Emirates Islamic Amazon World Credit Card Sharia-compliant
A Sharia-compliant cashback card by Emirates Islamic with 6% cashback on shopping and 2.5% on international spend.
Free
6% shopping
AED 15,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 or more monthly on shopping, groceries, and international purchases.
Not ideal if
You mainly spend on dining or prefer travel-specific perks over shopping cashback.
Watch out for
The 3.49% FX markup reduces your net cashback on international spend significantly.
Calculate This Card’s Value
Earning Rates
6%
2%
2.5%
2%
0.25%
0.25%
Perks
Key Strengths and Weaknesses
Strengths
6% cashback on shopping with no monthly cap.
No annual fee, making it cost-free to hold long-term.
2.5% cashback on international spend and 2% on groceries.
Sharia-compliant structure with perks like lounge access and cinema offers.
Watch out for
3.49% FX markup erodes international cashback to below 1% net return.
Only 0.25% cashback on education and utilities, limiting value on those categories.
AED 15,000 minimum salary requirement restricts eligibility.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for this card?
No, the Emirates Islamic Amazon World Islamic Credit Card has no annual fee, so you can hold it without ongoing costs.
How much cashback do I earn on Amazon purchases?
You earn 6% cashback on shopping, which includes Amazon and other retail purchases, with no monthly cap.
What is the welcome bonus and how do I qualify?
You can earn up to AED 1,000 welcome bonus: AED 250 for spending AED 10,000 on retail within 60 days, and AED 250 for spending AED 2,500 in foreign currency within 60 days.
Does this card earn cashback on school or university fees?
Yes, but only 0.25% cashback on education spend, which is significantly lower than the 6% on shopping or 2% on groceries.
Can I use this card abroad without losing value?
You earn 2.5% cashback on international spend, but the 3.49% FX markup means you'll pay more in conversion fees than you earn back, resulting in a net cost.