Emirates Islamic CashBack Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic offering 5% cashback on utilities and shopping, capped at AED 100 monthly per category.
AED 367.50
5% utilities
AED 5,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 2,000 or more monthly on utilities and shopping combined.
Not ideal if
You mainly spend on dining, travel, or fuel with little utility or shopping spend.
Watch out for
Each 5% category caps at AED 100 monthly, limiting high-spend value.
Calculate This Card’s Value
Earning Rates
5%
Cap: Up to AED 100/mo
5%
Cap: Up to AED 100/mo
1%
Perks
Key Strengths and Weaknesses
Strengths
5% cashback on utilities and shopping, useful for everyday household spend.
1% cashback on all other spending with no cap or exclusions.
Sharia-compliant structure for customers seeking Islamic banking products.
Cinema buy-one-get-one-free perk for entertainment savings.
Watch out for
AED 100 monthly cap per category limits cashback on high utility or shopping spend.
AED 367.50 annual fee is not waivable, requiring consistent spend to break even.
3.49% foreign exchange markup makes international spending costly.
Fees & Conditions
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Frequently Asked Questions
What is the cashback rate on utilities and shopping?
You earn 5% cashback on utilities and shopping, each capped at AED 100 per month. All other spending earns 1% cashback with no cap.
Is the annual fee worth it?
The AED 367.50 annual fee is not waivable. If you consistently earn close to AED 200 monthly from the two 5% categories, you can offset the fee and gain net value.
Can I use this card abroad?
Yes, but the 3.49% foreign exchange markup makes it expensive for international transactions. Consider a card with lower FX fees for travel.
What is the minimum salary to apply?
The stated minimum salary is AED 5,000, but eligibility data suggests AED 25,000 may be required. Confirm with Emirates Islamic before applying.
Does this card have a welcome bonus?
No welcome bonus is listed for this card. The main value comes from ongoing 5% cashback on utilities and shopping.