Emirates Islamic Switch Cashback Credit Card (Lifestyle Option) Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic with 4% cashback on groceries, dining, and education.
AED 313.95
4% groceries
AED 5,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 5,000 to 10,000 monthly on groceries, dining, and education.
Not ideal if
You spend heavily on travel or make frequent international purchases abroad.
Watch out for
AED 30,000 annual spend required to waive the AED 313.95 fee.
Calculate This Card’s Value
Earning Rates
4%
Cap: Up to AED 200/mo
4%
Cap: Up to AED 200/mo
4%
Cap: Up to AED 200/mo
0.5%
1%
Perks
Key Strengths and Weaknesses
Strengths
4% cashback on groceries, dining, and education with AED 200 monthly cap each.
Sharia-compliant structure for customers seeking Islamic finance products.
AED 500 welcome bonus after AED 15,000 spend in 60 days.
Lounge access, cinema BOGO, golf, and valet parking perks included.
Watch out for
AED 313.95 annual fee requires AED 30,000 yearly spend to waive.
AED 200 monthly cap per category limits high spenders in groceries, dining, education.
3.49% foreign exchange markup makes international spending costly.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 313.95 annual fee is waived if you spend AED 30,000 per year, or about AED 2,500 annually. If you regularly spend on groceries, dining, and education, the 4% cashback and AED 500 welcome bonus can easily cover the fee.
Does this card earn cashback on school or university fees?
Yes, education spending earns 4% cashback, capped at AED 200 per month. This includes school and university fees, making it useful for families with tuition payments.
What is the cashback cap on groceries and dining?
Groceries and dining each earn 4% cashback, capped at AED 200 per month per category. That means you can earn up to AED 200 on groceries and another AED 200 on dining every month.
Can I use this card abroad?
You can, but the 3.49% foreign exchange markup makes it expensive for international purchases. It's better suited for local spending in the UAE.
How does the welcome bonus work?
Spend AED 15,000 within 60 days of card approval to receive AED 500 cashback, credited in your third statement cycle. This bonus helps offset the first-year annual fee.