Emirates Islamic CashBack Plus Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic with 10% cashback on groceries, dining, education, and utilities.
AED 313.95
10% groceries
AED 5,000
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 groceries, dining, education, and utilities.
Not ideal if
You spend heavily on travel or categories outside the four bonus categories.
Watch out for
Each category caps at AED 200 cashback per month, limiting high spenders.
Calculate This Card’s Value
Earning Rates
10%
Cap: Up to AED 200/mo
10%
Cap: Up to AED 200/mo
10%
Cap: Up to AED 200/mo
10%
Cap: Up to AED 200/mo
Perks
Key Strengths and Weaknesses
Strengths
10% cashback on groceries, dining, education, and utilities with clear caps.
Up to AED 800 total monthly cashback across all four categories.
Sharia-compliant structure for customers seeking Islamic finance products.
Includes lounge access, golf, cinema buy-one-get-one, and valet parking perks.
Watch out for
AED 313.95 annual fee is not waivable under any spend threshold.
Each category caps at AED 200 cashback per month, limiting returns.
3.49% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 313.95 annual fee is worth it if you earn at least AED 314 in cashback per year, or about AED 26 per month. If you regularly spend on groceries, dining, education, or utilities, you will easily exceed this threshold and benefit from the 10% cashback rate.
What is the cashback cap on each category?
Each of the four categories, groceries, dining, education, and utilities, caps at AED 200 cashback per month. You can earn up to AED 800 total per month if you max out all four categories.
Does this card earn cashback on school or university fees?
Yes, education spending earns 10% cashback up to AED 200 per month. This includes school and university tuition, making it valuable for families with education expenses.
Can I use this card abroad?
Yes, but the 3.49% foreign exchange markup applies to all international transactions. The 10% cashback categories do not typically include travel or foreign spend, so value abroad is limited.
What perks come with the Emirates Islamic CashBack Plus Islamic Credit Card?
The card includes lounge access, a complimentary golf round, cinema buy-one-get-one offers, and valet parking. These perks add lifestyle value beyond the cashback earning structure.