Sharjah Islamic Bank Cashbank Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Sharjah Islamic Bank with up to 10% cashback on shopping and 2% internationally.
AED 208.95
10% shopping
AED 5,000
3.65%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000+ monthly with heavy shopping and international purchases.
Not ideal if
You spend mostly on dining or travel with minimal shopping activity.
Watch out for
AED 300 monthly cap on 10% shopping cashback limits high-spend upside.
Calculate This Card’s Value
Earning Rates
10%
Cap: Up to AED 300/mo
2%
1%
0.5%
0.5%
0.5%
1%
Key Strengths and Weaknesses
Strengths
10% cashback on shopping, capped at AED 300 per month.
2% cashback on international spend with no cap.
Annual fee waived with AED 10,000 monthly spend.
Sharia-compliant structure for Islamic banking customers.
Watch out for
No elevated earn rate for dining or domestic travel.
AED 300 monthly cap on shopping cashback limits high earners.
3.65% FX markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
How much cashback can I earn on shopping?
You earn 10% cashback on shopping, capped at AED 300 per month. This means you can earn the maximum AED 300 by spending AED 3,000 on shopping each month. Additional shopping spend earns 1% cashback.
Is the annual fee waived?
Yes, the AED 208.95 annual fee is waived if you spend at least AED 10,000 per month. If you spend less, the fee applies and will reduce your net cashback.
Does this card earn cashback on school or university fees?
Yes, education spend earns 0.5% cashback with no cap. This includes school and university fees.
Can I use this card abroad?
Yes, you earn 2% cashback on international purchases with no cap. However, a 3.65% FX markup applies, which reduces the effective return to a net cost of 1.65% on foreign currency transactions.
What is the minimum salary to apply?
The minimum salary requirement is AED 5,000 per month.