Emirates Islamic Cashback Plus Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
Dirham Score 4.5/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 12,000
- Annual fee
- AED 313.95
- Bank FX charge
- 2.54%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Tiered supermarket, education, dining and separately entered telecom earning is modelled. Each eligible category has its own AED 200 cap; no broad 10% rate is applied to other spending.
Cashback or points earning rules, thresholds and caps
Base earning: 0 % cashback.
Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 3 % cashback | AED 200 | 0 |
| School Fees | 3 % cashback | AED 200 | 0 |
| Dining | 3 % cashback | AED 200 | 0 |
Spending tiers and monthly cashback caps
The table above shows the first earning tier. Your total eligible monthly spend selects one tier for the categories below; capped categories are not additional to the overall cap.
| Minimum monthly spend | Cashback | Cap per category / month | Overall cap / month |
|---|---|---|---|
| AED 3,000 | 3% | AED 200 | Category caps apply |
| AED 10,000 | 5% | AED 200 | Category caps apply |
| AED 17,500 | 10% | AED 200 | Category caps apply |
Categories: Groceries, School Fees, Dining, plus eligible Telecom spending entered in the detailed calculator. Below the first spending tier, the model earns no category cashback. Other purchase exclusions and bank classifications apply.
First-year AED value and conditional welcome offers
The benchmark produces AED 3,300 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Emirates Islamic Cashback Plus Credit Card
Dirham Score 4.5/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,300
Fee waiver+ AED 313.95
Joining-fee refund+ AED 0
Annual fee− AED 313.95
Actual modelled netAED 3,300
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Calculation assumptionsRewards, fees & important conditions
Tiered supermarket, education, dining and separately entered telecom earning is modelled. Each eligible category has its own AED 200 cap; no broad 10% rate is applied to other spending.
Reel Buy 1 Get 1 tickets after AED 3,000 monthly retail spend; Roxy 20% discount through 30 April 2027. Eligible ticket and booking rules apply. · Visa Airport Companion: unlimited eligible airport lounge access, subject to foreign-currency activation and current issuer conditions.
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Monthly total spend below AED 3,000 earns no cashback; AED 3,000–9,999 earns 3%, AED 10,000–17,499 earns 5%, AED 17,500+ earns 10% on qualifying supermarkets, education, dining and telecom. Each category has a separate AED 200/month cap.
One cashback point equals AED 1. There is no verified broad 10% cashback on all spending; telecom must be identified separately and not inferred from general utility input.
Annual fee AED 313.95 including VAT. Current catalogue advertises first-year waiver after AED 5,000 qualifying retail spend within 90 days and subsequent annual waiver after AED 30,000. The calculator first-year waiver is conditional.
One complimentary valet/month needs AED 5,000 monthly spend from 1 March 2026. Two golf rounds/month, lounge, takaful and meet-and-greet benefits have additional issuer/provider eligibility.
FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement.
Official bank source · checked 2026-10-18VAT-inclusive card schedule of charges
Official catalogue: salary, fee waiver and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion: unlimited eligible airport lounge access, subject to foreign-currency activation and current issuer conditions.
- Cinema: Reel Buy 1 Get 1 tickets after AED 3,000 monthly retail spend; Roxy 20% discount through 30 April 2027. Eligible ticket and booking rules apply. · stated expiry 2027-04-30
- Valet: 1 published visits per month
- Golf: Published benefit; qualifying conditions apply
Exclusions and important product notes
- Monthly total spend below AED 3,000 earns no cashback; AED 3,000–9,999 earns 3%, AED 10,000–17,499 earns 5%, AED 17,500+ earns 10% on qualifying supermarkets, education, dining and telecom. Each category has a separate AED 200/month cap.
- One cashback point equals AED 1. There is no verified broad 10% cashback on all spending; telecom must be identified separately and not inferred from general utility input.
- Annual fee AED 313.95 including VAT. Current catalogue advertises first-year waiver after AED 5,000 qualifying retail spend within 90 days and subsequent annual waiver after AED 30,000. The calculator first-year waiver is conditional.
- One complimentary valet/month needs AED 5,000 monthly spend from 1 March 2026. Two golf rounds/month, lounge, takaful and meet-and-greet benefits have additional issuer/provider eligibility.
- FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement.
Official bank sources and application information
- Emirates Islamic Cashback Plus Credit Card official product terms
- Emirates Islamic: Official product page
- Emirates Islamic: VAT-inclusive card schedule of charges
- Emirates Islamic: Official catalogue: salary, fee waiver and artwork
- Emirates Islamic Cashback Plus Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.