Sharjah Islamic Bank Cashbank Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Sharjah Islamic Bank with up to 10% cashback on shopping and 2% internationally.
AED 208.95
10% shopping
AED 5,000
3.65%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 3,000 monthly on shopping and want Sharia-compliant cashback rewards.
Not ideal if
You prioritize dining or travel rewards over shopping and general spend.
Watch out for
Shopping cashback capped at AED 300 monthly, limiting upside for very high spenders.
Calculate This Card’s Value
Earning Rates
10%
Cap: Up to AED 300/mo
2%
1%
0.5%
0.5%
0.5%
1%
Key Strengths and Weaknesses
Strengths
10% cashback on shopping, up to AED 300 per month.
2% cashback on international spend with no stated cap.
Annual fee waived with just AED 10,000 annual spend.
Sharia-compliant structure for Islamic banking customers.
Watch out for
No elevated earn rates on dining, fuel, or travel bookings.
AED 300 monthly cap on shopping cashback limits high spenders.
3.65% FX markup reduces value on foreign currency 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.
Emirates NBD
Darna Visa Signature Credit Card
Similarity score84/100
Emirates Islamic
Amazon Platinum Credit Card
Similarity score79/100
FAB
Blue Platinum Credit Card
Similarity score76/100
Mashreq
Noon Credit Card
Similarity score70/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Emirates NBD
Darna Visa Infinite Privilege Credit Card
Comparison fit80/100
FAB
SHARE Infinite Credit Card
Comparison fit78/100
Emirates Islamic
Amazon World Credit Card
Comparison fit76/100
ADCB
Shukran Credit Card
Comparison fit75/100
Frequently Asked Questions
How much cashback can I earn on shopping each month?
You earn 10% cashback on shopping, capped at AED 300 per month. That means the first AED 3,000 in shopping spend each month earns the full 10%, and any spend beyond that earns 1% as part of the all other spends category.
Is the annual fee waived?
Yes, the AED 208.95 annual fee is waived if you spend AED 10,000 or more per year. That is less than AED 834 monthly, a low threshold for most active cardholders.
Does this card earn cashback on school or university fees?
Yes, education spend earns 0.5% cashback with no stated cap. It is a modest rate, but it does provide some return on tuition and school fees.
Can I use this card abroad?
Yes, you can use it internationally and earn 2% cashback on foreign spend. However, the 3.65% FX markup means you pay more than the base exchange rate, reducing your net benefit.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.