CBD Al Islami Super Saver Islamic Credit Card Sharia-compliant

A Sharia-compliant credit card by CBD Al Islami offering 10% cashback on utilities, education, and groceries.

Annual feeVAT included
AED 420.00

Top ratebest category
10% utilities

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
4.65%

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This card also has a conventional version (CBD Super Saver Credit Card).

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You spend heavily on utilities, education fees, and groceries each month.

Not ideal if
You spend mainly on dining, travel, fuel, or general shopping categories.

Watch out for
AED 420 annual fee is not waivable and requires strong category spend.

If you spend regularly on utilities, school or university fees, and groceries, this Sharia-compliant card can deliver strong cashback in those three…

Calculate This Card’s Value

Earning Rates

Utilities
10%

Education
10%

Groceries
10%

Perks

Airport Lounge Access

Annual Entertainer Membership

Key Strengths and Weaknesses

Strengths

10% cashback on utilities, education, and groceries with no stated cap.

Sharia-compliant structure for customers seeking Islamic finance products.

Accessible AED 5,000 minimum salary requirement.

Includes lounge access and Entertainer perks.

Watch out for

AED 420 annual fee with no waiver option available.

No cashback on dining, travel, fuel, or general shopping.

4.65% foreign exchange markup on international transactions.

Fees & Conditions

Annual FeeAED 420

FX Markup4.65%

Minimum SalaryAED 5,000/mo

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Frequently Asked Questions

Does this card earn cashback on school or university fees?

Yes, the CBD Al Islami Super Saver Islamic Credit Card earns 10% cashback on education spend, including school and university fees, with no stated cap.

Is the AED 420 annual fee worth it?

It depends on your spend. If you spend at least AED 350 monthly on utilities, education, and groceries combined, the 10% cashback will cover the annual fee. Lower spend makes the fee hard to justify.

Can I use this card abroad?

Yes, but the 4.65% foreign exchange markup makes it expensive for international transactions. Consider a card with lower FX fees for travel.

What categories earn cashback on this card?

You earn 10% cashback on utilities, education, and groceries only. Dining, travel, fuel, and general shopping do not earn cashback.

Is this card Sharia-compliant?

Yes, the CBD Al Islami Super Saver Islamic Credit Card is structured to comply with Islamic finance principles.