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 mainly spend on dining, travel, fuel, or general shopping categories.

Watch out for
AED 420 annual fee is not waivable; you need strong category spend to break even.

If you regularly spend 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 monthly cap.

Sharia-compliant structure for customers seeking Islamic finance products.

Includes airport lounge access and Entertainer membership as perks.

Watch out for

AED 420 annual fee is not waivable, requiring significant spend to justify.

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

4.65% foreign exchange markup makes international spending expensive.

Fees & Conditions

Annual FeeAED 420

FX Markup4.65%

Minimum SalaryAED 5,000/mo

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Frequently Asked Questions

Is the annual fee worth it?

The AED 420 annual fee is not waivable, so you need to spend at least AED 4,200 annually on utilities, education, and groceries to earn enough cashback to break even. If your spend in these three categories is lower, the fee will exceed your rewards.

Does this card earn cashback on school or university fees?

Yes, the card earns 10% cashback on education spending, including school and university fees, with no stated monthly cap. This makes it valuable for families paying tuition regularly.

Can I use this card abroad?

Yes, but the 4.65% foreign exchange markup makes international transactions expensive. You will not earn cashback on most overseas spending unless it falls into utilities, education, or groceries.

What categories earn cashback?

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

Is this card Sharia-compliant?

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