Emirates Islamic CashBack Plus Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic with 10% cashback on groceries, dining, education, and utilities.
AED 313.95
10% groceries
AED 5,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000+ monthly across groceries, dining, education, and utilities.
Not ideal if
You spend heavily on travel or prefer cards with no annual fee.
Watch out for
AED 313.95 annual fee is not waivable; earn enough to offset it.
Calculate This Card’s Value
Earning Rates
10%
Cap: Up to AED 200/mo
10%
Cap: Up to AED 200/mo
10%
Cap: Up to AED 200/mo
10%
Cap: Up to AED 200/mo
Perks
Key Strengths and Weaknesses
Strengths
10% cashback on groceries, dining, education, and utilities.
Up to AED 800 monthly cashback if all four category caps are maxed.
Sharia-compliant structure for customers seeking Islamic finance.
Includes lounge access, golf, cinema BOGO, and valet parking perks.
Watch out for
AED 313.95 annual fee with no waiver option.
Each category capped at AED 200 monthly, limiting high spenders.
3.49% FX markup makes international use expensive.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 313.95 annual fee is not waivable. You need to earn at least that much in cashback to break even. Maxing out two categories monthly (AED 400 cashback) will cover the fee in under eight months, so regular spenders in groceries, dining, education, or utilities will find it worthwhile.
What is the cashback cap on each category?
Each of the four categories (groceries, dining, education, utilities) is capped at AED 200 per month. You can earn up to AED 800 monthly if you max out all four caps.
Does this card earn on school or university fees?
Yes, education spend earns 10% cashback, capped at AED 200 per month. This includes school and university fees, making it useful for families with tuition expenses.
Can I use this card abroad?
You can use it internationally, but the 3.49% foreign exchange markup makes it expensive. The 10% cashback does not apply to travel or international spend, so you will lose value on overseas transactions.
What is the minimum salary requirement?
Emirates Islamic requires a minimum salary of AED 5,000 to apply for the CashBack Plus Islamic Credit Card.