Emirates Islamic Switch Cashback Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 3.7/550% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Salary minimum needs bank confirmation
Explore all Emirates Islamic cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 313.95
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- Confirm with bank
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
The first year is free. The ongoing fee is waived after AED 30,000 annual qualifying purchases; otherwise AED 313.95 including VAT applies.
Cashback or points earning rules, thresholds and caps
Lifestyle mode earns 4% on groceries, dining and education, capped at AED 200 each, and 8% on domestic fuel, capped at AED 100. Travel mode instead earns 4% on airlines, hotels and dining, capped at AED 200 each. Both modes earn 1% on other purchases and 0.5% on telecoms, utilities, real estate, government and charity. Qualifying monthly spending of AED 2,500 is required.
Minimum earning gate: AED 2,500. Accelerated-rate spending gate: See published category rules. 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 |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
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 Switch Cashback Card
Dirham Score 3.7/550% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Salary minimum needs bank confirmation
The first year is free. The ongoing fee is waived after AED 30,000 annual qualifying purchases; otherwise AED 313.95 including VAT applies.
View breakdown
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Switch Cashback Card review and fee maths
Lifestyle mode earns 4% on groceries, dining and education, capped at AED 200 each, and 8% on domestic fuel, capped at AED 100. Travel mode instead earns 4% on airlines, hotels and dining, capped at AED 200 each. Both modes earn 1% on other purchases and 0.5% on telecoms, utilities, real estate, government and charity. Qualifying monthly spending of AED 2,500 is required.
Get two buy-one-get-one-free tickets per month, subject to the spending requirement. · Visa Airport Companion access is available. Confirm the current visit allowance and activation requirements.
Monthly profit rate: Confirm with bank. Bank FX charge: Confirm with bank.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
The 8% rate applies to domestic fuel, not dining. Select Lifestyle or Travel mode; the two sets of accelerated categories cannot be combined. The verified page does not publish a minimum salary. Statement credit redemption starts at AED 300, and rewards expire after 24 months.
Official bank source · checked 2026-10-22VAT-inclusive schedule of charges
Exact earning caps and exclusions
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Visa Airport Companion access is available. Confirm the current visit allowance and activation requirements.
- Cinema: Get two buy-one-get-one-free tickets per month, subject to the spending requirement.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The 8% rate applies to domestic fuel, not dining. Select Lifestyle or Travel mode; the two sets of accelerated categories cannot be combined. The verified page does not publish a minimum salary. Statement credit redemption starts at AED 300, and rewards expire after 24 months.
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.
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Compare Emirates Islamic Switch Cashback Card with American Express Gold Credit Card — MoneybackOfficial bank sources and application information
- Emirates Islamic Switch Cashback Card official product terms
- Emirates Islamic: Official product page
- Emirates Islamic: VAT-inclusive schedule of charges
- Emirates Islamic: Exact earning caps and exclusions
- Emirates Islamic Switch Cashback 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.