Emirates Islamic Switch Cashback Credit Card (Travel Option) Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic with 4% cashback on travel and dining.
AED 313.95
4% travel
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, mostly on travel and dining.
Not ideal if
You spend heavily on groceries, fuel, or categories outside travel and dining.
Watch out for
AED 200 monthly cap per category limits cashback on high travel or dining spend.
Calculate This Card’s Value
Earning Rates
4%
Cap: Up to AED 200/mo
4%
Cap: Up to AED 200/mo
0.5%
1%
Perks
Key Strengths and Weaknesses
Strengths
4% cashback on travel and dining, strong for focused spenders.
AED 500 welcome bonus after spending AED 15,000 in 60 days.
Sharia-compliant with lifestyle perks including lounge access and cinema buy-one-get-one.
1% cashback on all other spends provides baseline earning.
Watch out for
AED 200 monthly cap per category limits high earners on travel or dining.
AED 30,000 monthly spend required to waive AED 313.95 annual fee.
3.49% foreign exchange markup increases cost of international transactions.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
DIB
SHAMS Platinum Islamic Credit Card
Similarity score81/100
Emirates NBD
Etihad Guest Visa Inspire Credit Card
Similarity score77/100
Mashreq
Cashback Credit Card
Similarity score75/100
ADCB
Essential Cashback Credit Card
Similarity score75/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
RAKBANK
World Credit Card
Comparison fit75/100
DIB
SHAMS Infinite Islamic Credit Card
Comparison fit74/100
Mashreq Al Islami
Cashback Islamic Credit Card
Comparison fit71/100
Emirates NBD
Etihad Guest Visa Elevate Credit Card
Comparison fit71/100
Frequently Asked Questions
What is the cashback rate on travel and dining?
You earn 4% cashback on travel and dining, capped at AED 200 per month per category. All other spends earn 1% cashback with no cap.
How does the welcome bonus work?
Spend AED 15,000 within 60 days of card approval to receive AED 500 cashback, credited in your third statement cycle.
Is the annual fee waived?
The AED 313.95 annual fee is waived if you spend AED 30,000 or more per month. Otherwise, you pay the full fee each year.
Can I use this card abroad?
Yes, but foreign transactions incur a 3.49% markup, which can reduce the value of your cashback on international spend.
What perks does this card offer?
You get lounge access, cinema buy-one-get-one offers, complimentary golf rounds, and valet parking. These perks add lifestyle value beyond cashback.