Emirates Islamic Cashback Platinum Card
Emirates Islamic Cashback Platinum Card is a UAE Islamic covered card with Cashback rewards. Its minimum salary is unconfirmed; ask the issuer. The listed annual fee is AED 367.5. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.9/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
Explore all Emirates Islamic cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 367.5
- Bank FX charge
- 2.54%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
AED 367.50 including VAT. First-year fee waiver requires AED 3,000 retail spending within 90 days; renewal waiver requires AED 10,000 qualifying annual spending.
Salary eligibility is subject to bank confirmation. The product-specific official catalogue captured on 22 October 2026 listed AED 5,000 monthly salary.
Cashback or points earning rules, thresholds and caps
Telecom expenses: 5%; Electronics purchases: 5%; Other eligible retail: 1%
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Telecom expenses | 5% | AED 100 per month | Eligible telecom merchants; bank-channel bill payments excluded |
| Electronics purchases | 5% | AED 100 per month | Eligible electronics merchants |
| Other eligible retail | 1% | No published cap | Non-government local and international retail; exclusions apply |
Why this card has no annual AED forecast
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
Published earning rates, known fees and bank conditions remain available in this review.
Check Emirates Islamic's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Emirates Islamic Cashback Platinum Card
Emirates Islamic Cashback Platinum Card
Dirham Score 2.9/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Sharia-compliant product
- − Annual reward forecast unavailable
- − Salary minimum needs bank confirmation
AED 367.50 including VAT. First-year fee waiver requires AED 3,000 retail spending within 90 days; renewal waiver requires AED 10,000 qualifying annual spending.
Salary eligibility is subject to bank confirmation. The product-specific official catalogue captured on 22 October 2026 listed AED 5,000 monthly salary.
View breakdown
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Cashback Platinum Card review and fee maths
Telecom expenses: 5%; Electronics purchases: 5%; Other eligible retail: 1%
No cinema benefit verified. · Not independently verified; confirm access with the bank.
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
First-year fee waiver requires AED 3,000 spend within 90 days. Your forecast meets the spend target.
Published terms are described separately; no annual reward forecast is assumed until the product-specific exclusions and qualifying conditions are represented in the calculator.
This is the Cashback Platinum Card, separate from Cashback Plus and Switch. The standard annual fee is AED 367.50 including VAT. The first-year fee can be waived after AED 3,000 retail spending within 90 days; renewal requires AED 10,000 annual spending.
Earn 5% on eligible telecom expenses and electronics purchases, capped at AED 100 per category per month, and 1% on other eligible local and international retail. No minimum spending threshold applies to earning cashback.
Government payments, charity, cash-like transactions and bill payments through Emirates Islamic banking channels do not earn cashback. Cashback expires after two years.
Official bank source · checked 2026-10-24Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Not independently verified; confirm access with the bank.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- This is the Cashback Platinum Card, separate from Cashback Plus and Switch. The standard annual fee is AED 367.50 including VAT. The first-year fee can be waived after AED 3,000 retail spending within 90 days; renewal requires AED 10,000 annual spending.
- Earn 5% on eligible telecom expenses and electronics purchases, capped at AED 100 per category per month, and 1% on other eligible local and international retail. No minimum spending threshold applies to earning cashback.
- Government payments, charity, cash-like transactions and bill payments through Emirates Islamic banking channels do not earn cashback. Cashback expires after two years.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Emirates Islamic Switch Cashback Card
Emirates Islamic · minimum salary Confirm with bank
Compare Emirates Islamic Cashback Platinum Card with Emirates Islamic Switch Cashback CardADIB Cashback Visa Covered Card
ADIB · minimum salary Confirm with bank
Compare Emirates Islamic Cashback Platinum Card with ADIB Cashback Visa Covered CardCBD Al Islami Super Saver Visa Signature Credit Card
CBD · minimum salary Confirm with bank
Compare Emirates Islamic Cashback Platinum Card with CBD Al Islami Super Saver Visa Signature Credit CardEmirates Islamic Cashback Platinum Card FAQs
What salary do you need for Emirates Islamic Cashback Platinum Card?
A current minimum monthly salary is not confirmed in this record. Ask the bank before applying; salary alone never guarantees approval.
What is the annual fee for Emirates Islamic Cashback Platinum Card?
The listed annual fee is AED 367.5. AED 367.50 including VAT. First-year fee waiver requires AED 3,000 retail spending within 90 days; renewal waiver requires AED 10,000 qualifying annual spending.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Emirates Islamic Cashback Platinum Card official product terms
- Emirates Islamic: Official product page
- Emirates Islamic: Cashback programme terms
- Emirates Islamic: VAT-inclusive fees and profit
- Emirates Islamic: Credit card KFS
- Emirates Islamic Cashback Platinum 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.