Emirates Islamic Amazon Platinum Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic with 6% cashback on shopping and 2.5% on international spend.
Free
6% shopping
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 with heavy online shopping and international transactions.
Not ideal if
You prioritise dining, groceries, or travel spending over shopping categories.
Watch out for
3.49% FX markup reduces international cashback to a net loss of around 1%.
Calculate This Card’s Value
Earning Rates
6%
2.5%
2%
0.25%
0.25%
Perks
Key Strengths and Weaknesses
Strengths
6% cashback on shopping with no monthly cap.
Zero annual fee makes it cost-free for moderate spenders.
Up to AED 500 welcome bonus for retail and international spend.
Sharia-compliant structure suitable for Islamic banking customers.
Watch out for
Only 2% cashback on dining, travel, and groceries.
3.49% FX markup erases international cashback benefit.
Education and utilities earn just 0.25% cashback.
Fees & Conditions
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Frequently Asked Questions
Is the Emirates Islamic Amazon Platinum Islamic Credit Card annual fee worth it?
There is no annual fee, so you avoid ongoing costs entirely. This makes the card a low-risk option for moderate spenders who want cashback without fee waiver thresholds.
How much cashback do I earn on Amazon purchases?
You earn 6% cashback on shopping, which includes Amazon and other online retailers. There is no monthly cap, so high-volume shoppers can maximise returns.
Can I use this card abroad without losing money?
The card earns 2.5% cashback on international spend, but the 3.49% FX markup means you lose around 1% on foreign currency transactions. It is better suited for AED-denominated online shopping than overseas travel.
How does the welcome bonus work?
You can earn up to AED 500: AED 250 for AED 10,000 in retail spend and AED 250 for AED 2,500 in international spend, both within 60 days of card activation.
Does this card earn cashback on school or university fees?
Yes, but only 0.25% cashback on education spend. If school fees are a major expense, other cards with higher education earn rates will deliver better value.