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 AED 10,000 monthly with focus on travel and dining.
Not ideal if
You spend heavily in single categories or prefer uncapped cashback on high volumes.
Watch out for
AED 200 monthly cap per category limits cashback on travel and 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 moderate spenders.
Annual fee waived with AED 30,000 spend per year.
Sharia-compliant structure for customers seeking Islamic finance.
Perks include lounge access, cinema offers, golf, and valet parking.
Watch out for
AED 200 monthly cap per category limits high spenders on travel or dining.
AED 313.95 annual fee applies if you don't meet waiver threshold.
3.49% FX markup on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
What is the cashback rate on travel and dining?
You earn 4% cashback on both travel and dining purchases, up to AED 200 per category per month. All other spending earns 1% cashback, and utilities earn 0.5%.
Is the annual fee waived?
Yes, the AED 313.95 annual fee is waived if you spend AED 30,000 or more per year. That works out to an average of AED 2,500 monthly.
What is the welcome bonus?
You receive AED 500 cashback if you spend AED 15,000 within the first 60 days. The cashback is credited in your third statement cycle.
Can I use this card abroad?
Yes, but foreign currency transactions carry a 3.49% FX markup, which will reduce the effective value of your cashback on international purchases.
What perks does this card offer?
The card includes lounge access, cinema buy-one-get-one offers, complimentary golf rounds, and valet parking services.