ADIB Cashback Visa Covered Card
First year AED 3,496.05
Ongoing year AED 3,496.05
Modelled spending estimate; conditions apply.
Salary minimum: Confirm with bank.
NO PAID RANKINGS · UAE REWARDS1 · ADIB 2 · ADCB 3 · Emirates Islamic
Best Sharia-Compliant Islamic Covered Cards in the UAE
Compare islamic cards credit cards using source-reviewed UAE bank terms and a common monthly spending profile. The shortlist below shows the highest modelled first-year returns among available cards in this category. It uses AED 10,000 per month across the published benchmark categories; it does not put your entire budget into one category. Minimum salary, employer criteria and credit assessment remain separate from estimated rewards.
First-year net value adds eligible welcome rewards, supported promotional extras and twelve-month spend rewards, then deducts annual fees, joining fees and required plan costs. Category caps, minimum spending gates and any initial earning delay reduce the forecast. Negative results stay visible in the detailed breakdown. Products with unmodelled reward currencies are not promoted as zero-value winners.
Ongoing value removes one-off joining rewards and acquisition charges, restores recurring fees and applies only documented renewal waivers. Borrowing costs, unverified FX charges and subjective lifestyle savings are excluded from this benchmark. Use the focused other input below or the full personal selector to compare your actual circumstances. All point valuations and exclusions are explained in the methodology.
Top three by benchmark first-year net value
ADCB Islamic 365 Cashback Card
First year AED 3,305
Ongoing year AED 2,556.75
Partial rewards estimate; exclusions apply.
Salary minimum: AED 5,000.
Emirates Islamic Cashback Plus Credit Card
First year AED 3,300
Ongoing year AED 3,300
Partial rewards estimate; exclusions apply.
Salary minimum: AED 12,000.
Get three matches for your salary, spending and repayment habits · Read the full net AED calculation
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Change this category independently. Other categories retain their benchmark proportions. The breakdown uses your actual combined inputs.
Sharia-compliant
ADIBISLAMIC CASHBACK
ADIB Cashback Visa Covered Card
Dirham Score 3.1/590% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Official product sources linked
- + Sharia-compliant product
- − Annual fee AED 103.95
- − Salary minimum needs bank confirmation
Annual fee AED 103.95
ESTIMATED FIRST-YEAR VALUE
AED 3,496
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,600
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 103.95
Actual modelled netAED 3,496.05
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Cashback Visa Covered Card review and fee maths
No cinema benefit verified. · No complimentary access verified
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Annual fee AED 99 plus 5% VAT = AED 103.95.
No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.
Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.
Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.
Official bank source · checked 2026-10-18Official product-specific reward terms
Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source
WELCOME OFFERAED 365 welcome cashbackNo stated deadline
Sharia-compliant
ADCBISLAMIC EVERYDAY
ADCB Islamic 365 Cashback Card
Dirham Score 3.4/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published cinema benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.99%; scheme charges may apply
Annual fee AED 383.25First year waived
ESTIMATED FIRST-YEAR VALUE
AED 3,305
Partial estimate · see detailsView breakdown
Regular welcome+ AED 365
Promotional booster+ AED 0
Annual rewards+ AED 2,940
Fee waiver+ AED 383.25
Joining-fee refund+ AED 0
Annual fee− AED 383.25
Actual modelled netAED 3,305
Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.
Calculation assumptionsRewards, fees & important conditions
Read the full ADCB Islamic 365 Cashback Card review and fee maths
3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.
VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified
Monthly profit rate: 3.69%. Bank FX charge: 2.99%.
Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.
AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.
Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.
International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.
Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.
First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.
Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.
Official bank source · checked 2026-10-18Current Islamic schedule, September 2026
Supplemental terms; conventional June2026, Islamic link may retain older category table
Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
AED 365 welcome cashbackStandard welcome credit after qualifying initial spend.
No stated deadline
- Spend AED 5,000 within 45 days of card issuance.
- New-customer and eligible retail conditions apply.
Counted once in regular welcome value when qualifying conditions are met.
Official offer terms
Sharia-compliant
FABBANK-SOURCED
FAB Cashback Islamic Credit Card
Dirham Score 3.7/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.61%; scheme charges may apply
Annual fee AED 315
ESTIMATED FIRST-YEAR VALUE
AED 2,861
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,176.25
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 315
Actual modelled netAED 2,861.25
Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Cashback Islamic Credit Card review and fee maths
Issuer materials conflict: marketing says no minimum spend and different headline caps; detailed table and programme terms give AED 3,000 previous-calendar-month qualifying spend, AED 150/category and AED 1,000 total for expats (AED 200/category and AED 1,500 total for UAE nationals). Programme clauses 7 and 8 also contradict each other. Conservative expat schedule is used; confirm issued terms with FAB.
Detailed expat schedule: 5% groceries, fuel and dining, capped at AED 150 each; 3% foreign retail and 1% other eligible spend. Selected MCCs earn 0.15%.
No cinema benefit verified. · Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.
Monthly profit rate: 3.99%. Bank FX charge: 2.61%.
Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.
Conservative detailed expat schedule: 5% groceries/fuel/dining, each capped AED 150/month; 3% non-AED, 1% other eligible and 0.15% selected MCCs, AED 1,000 overall cap.
Detailed programme terms require AED 3,000 in the preceding calendar month; this model therefore assumes no rewards in the first calendar month. Marketing no-minimum-spend wording and clause 8 conflict and remain unresolved.
UAE-national detailed caps differ: AED 200 for each accelerated category and AED 1,500 overall.
Annual membership fee AED 300 excluding VAT = AED 315; retail profit rate up to 3.99% monthly.
The separate Islamic fee schedule states 2.61% international fee + 1.15% scheme charges and says fees inclusive of VAT unless otherwise specified; do not apply the conventional FAB extra-VAT fee assumption to this record.
Commodity Murabahah structure. Non-Shariah-compliant merchant types are blocked. Zero-profit instalment conversions and financial/fee transactions do not earn cashback.
Official bank source · checked 2026-10-18Islamic fees (October 2025, currently linked)
Cashback Islamic programme terms
The official page browser title says Islamic Cashback Credit Card, while its visible H1 names the product FAB Cashback Islamic Credit Card. Use the H1 name. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source
LIMITED-TIME BOOSTUp to 150,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation
Sharia-compliant
ADIBBANK-SOURCED
ADIB Etihad Guest Visa Platinum Covered Card
Dirham Score 2.7/590% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee AED 2,100
A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.
ESTIMATED FIRST-YEAR VALUE
AED 180
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,280
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,100
Actual modelled netAED 180
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Platinum Covered Card review and fee maths
2.2 Etihad Guest miles per AED 4 local retail and 3 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.
No cinema benefit verified. · Four annual visits via Visa Airport Companion from 1 October 2026; app registration and current qualifying conditions apply.
Valet: Selected UAE valet locations; confirm current allowance.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Non-self-funded annual fee includes VAT: AED 2,000 + 100 = 2,100. Self-funded Platinum pricing/earning differs.
Local retail earns 2.2 miles per AED 4; non-AED retail outside the EEA earns 3 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
Official bank source · checked 2026-10-18Official reward and welcome terms
Official lounge/provider notices
Current Sharia-compliant covered card; title and product copy retain Visa Platinum while the page heading shortens it to ADIB Etihad Guest Platinum Card. Transparent tilted card with shadow; VISA Platinum is visible. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 150,000 additional Etihad Guest milesOfficial product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Headline is additional to standard welcome and normal earning; do not double count.
- Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.
Qualifying extra bonus in this forecast: AED 0.
Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.
Official offer termsLIMITED-TIME BOOSTUp to 225,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation
Sharia-compliant
ADIBBANK-SOURCED
ADIB Etihad Guest Visa Infinite Covered Card
Dirham Score 2.6/590% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee AED 3,150
A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,475
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 3,150
Actual modelled netAED -675
Costs exceed estimated rewards; headline is floored at zero.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Infinite Covered Card review and fee maths
2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.
No cinema benefit verified. · Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.
Valet: Four visits monthly through Valtrans at selected UAE locations.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.
Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
Official bank source · checked 2026-10-18Official reward and welcome terms
Official lounge/provider notices
Current consumer covered card with active Apply Now on the official product page. Separate product selected as replacement for Dana, not a Dana rename. Transparent tilted black card with shadow; VISA Infinite is visible. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 225,000 additional Etihad Guest milesOfficial product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Headline is additional to standard welcome and normal earning; do not double count.
- Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.
Qualifying extra bonus in this forecast: AED 0.
Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.
Official offer terms
Sharia-compliant
DIBBANK-SOURCED
Prime Infinite Card
Dirham Score 3.8/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Bank FX charge 3.7%; scheme charges may apply
Annual fee Free for life
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 0
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Calculation assumptionsRewards, fees & important conditions
Read the full Prime Infinite Card review and fee maths
3 Walaa points per AED on eligible local spend; 3.5 points per AED international spend.
No cinema benefit verified. · 12 annual lounge visits with one guest via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.
Valet: Two monthly visits at selected locations; AED 8,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.
Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.
Eligible local general retail earns 3 Walaa points/AED; eligible non-AED general retail earns 3.5. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.
EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.
No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.
Official bank source · checked 2026-10-18Current fees effective 12 October 2026
Official new covered-card key facts
Official valet spend conditions
Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source
Sharia-compliant
DIBBANK-SOURCED
Prime Signature Card
Dirham Score 3.8/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Bank FX charge 3.7%; scheme charges may apply
Annual fee Free for life
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 0
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Calculation assumptionsRewards, fees & important conditions
Read the full Prime Signature Card review and fee maths
2.5 Walaa points per AED on eligible local spend; 3 points per AED international spend.
No cinema benefit verified. · 8 annual lounge visits via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.
Valet: Two monthly visits at selected locations; AED 5,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.
Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.
Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.
Eligible local general retail earns 2.5 Walaa points/AED; eligible non-AED general retail earns 3. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.
EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.
No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.
Official bank source · checked 2026-10-18Current fees effective 12 October 2026
Official new covered-card key facts
Official valet spend conditions
Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source
FEE WAIVERFirst-year annual-fee waiverNo stated deadline
Sharia-compliant
DIBBANK-SOURCED
Consumer Cashback Reward Card
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 3.7%; scheme charges may apply
Annual fee AED 210Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 2,160
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,160
Fee waiver+ AED 210
Joining-fee refund+ AED 0
Annual fee− AED 210
Actual modelled netAED 2,160
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Calculation assumptionsRewards, fees & important conditions
Read the full Consumer Cashback Reward Card review and fee maths
3% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 3,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.
No cinema benefit verified. · Not verified; confirm current benefit eligibility with DIB.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Monthly retail purchases of AED 3,000 within a statement cycle are required for cashback.
Grocery and school caps effective 10 October 2026 are AED 200 per category monthly; fuel and utilities each cap at AED 100. Combined cap AED 1,000 per billing cycle.
Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.
Annual fee includes VAT: AED 210; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.
Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.
Official bank source · checked 2026-10-18Current official product and reward conditions
Current fees effective 12 October 2026
Official new covered-card key facts
Consumer Cashback is a family, not a single exact current product name. The old /consumer-card path redirects to this Reward product. Current official listing packshot, angled card perspective; small 248x190 source. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
First-year annual-fee waiverUndated limited offer on the current product page. Confirm it applies to your approved card.
No stated deadline
- Bank must approve the card under the advertised first-year waiver.
- Annual renewal fee remains payable in later years.
Qualifying extra bonus in this forecast: AED 0.
Official offer termsFEE WAIVERFirst-year annual-fee waiverNo stated deadline
Sharia-compliant
DIBBANK-SOURCED
Consumer Cashback Platinum Card
Dirham Score 3.2/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 3.7%; scheme charges may apply
Annual fee AED 261.45Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 2,880
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,880
Fee waiver+ AED 261.45
Joining-fee refund+ AED 0
Annual fee− AED 261.45
Actual modelled netAED 2,880
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Calculation assumptionsRewards, fees & important conditions
Read the full Consumer Cashback Platinum Card review and fee maths
4% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 4,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.
No cinema benefit verified. · Not verified; confirm current benefit eligibility with DIB.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Monthly retail purchases of AED 4,000 within a statement cycle are required for cashback.
Grocery and school caps effective 10 October 2026 are AED 300 per category monthly; fuel and utilities each cap at AED 150. Combined cap AED 1,000 per billing cycle.
Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.
Annual fee includes VAT: AED 261.45; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.
Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.
Official bank source · checked 2026-10-18Current official product and reward conditions
Current fees effective 12 October 2026
Official new covered-card key facts
Additional distinct current Consumer Cashback product supplied to resolve the ambiguous family name. Current official listing packshot, angled card perspective; small 248x190 source. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
First-year annual-fee waiverUndated limited offer on the current product page. Confirm it applies to your approved card.
No stated deadline
- Bank must approve the card under the advertised first-year waiver.
- Annual renewal fee remains payable in later years.
Qualifying extra bonus in this forecast: AED 0.
Official offer terms
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Skywards Black Credit Card
Dirham Score 3.0/5100% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.3%; scheme charges may apply
Annual fee AED 2,100
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,446.5
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,100
Actual modelled netAED -653.5
Costs exceed estimated rewards; headline is floored at zero.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Skywards Black Credit Card review and fee maths
Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.
Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.
Monthly profit rate: 3.25%. Bank FX charge: 2.3%.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Baseline without Gold fast track: AED 2,100 annual fee including VAT. Gold fast-track option totals AED 5,775 (AED 2,100 on issuance plus AED 3,675 on Gold qualification). The optional extra fee is not added to this baseline model.
Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.75 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.
The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.
Foreign fee 2.3% including VAT plus network approximately 1.15%. Monthly published profit 3.25%; check the signed offer and total borrowing cost.
Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.
Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.
Official bank source · checked 2026-10-18Detailed Skywards category and EEA/UK earn table
VAT-inclusive card schedule of charges
Official catalogue: salary 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
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Skywards Signature Credit Card
Dirham Score 3.2/5100% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Annual fee AED 735Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 822
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 821.99
Fee waiver+ AED 735
Joining-fee refund+ AED 0
Annual fee− AED 735
Actual modelled netAED 821.99
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Skywards Signature Credit Card review and fee maths
Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.
Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.
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.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Annual fee AED 735 including VAT. The bank currently advertises first-year fee waiver after AED 5,000 retail spend within 90 days; subsequent annual waiver requires AED 30,000 annual spend. Confirm application conditions.
Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.275 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.
The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.
Foreign fee 2.54% including VAT plus network approximately 1.15%. Monthly published profit 3.69%; check the signed offer and total borrowing cost.
Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.
Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.
Official bank source · checked 2026-10-18Detailed Skywards category and EEA/UK earn table
VAT-inclusive card schedule of charges
Official catalogue: salary 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
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic RTA Platinum Credit Card
Dirham Score 3.1/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 1,883
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,883.4
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,883.4
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic RTA Platinum Credit Card review and fee maths
Reel Buy 1 Get 1 tickets subject to AED 3,000 monthly retail spend, eligible formats and current booking terms. · No complimentary access verified
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.
Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.
General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.
Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.
FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate.
Official bank source · checked 2026-10-18VAT-inclusive card schedule of charges
Official catalogue: salary 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
Sharia-compliant
Emirates IslamicBANK-SOURCED
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
Annual fee AED 313.95Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 3,300
Partial estimate · see detailsView 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
Read the full Emirates Islamic Cashback Plus Credit Card review and fee maths
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
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Islamic cards: caps, qualifying spend and exclusions
Islamic does not mean cost-free borrowing. Review the covered-card structure, profit calculation, settlement obligations and fees in the bank’s own contract and key facts statement.
Review both the eligible merchant category and how the payment is processed. The provider, payment gateway and bank can classify a transaction differently from its everyday description. An advertised maximum rate is not necessarily the rate for every dirham spent.
Read the detailed islamic cards guideQuestions about UAE islamic cards cards
How are islamic cards cards ranked?
Cards are ordered by estimated first-year net AED value using the same AED 10,000 monthly benchmark and shared calculation engine. This is a spending illustration, not an approval recommendation. The ranking does not accept paid placement.
Does the top card fit my salary and repayment habits?
Not necessarily. Apply the published salary filter and use the personal card selector. The selector treats repayment habits separately; rewards do not justify interest-bearing balances, and salary alone does not establish bank approval.
What is the main islamic cards limitation?
Islamic does not mean cost-free borrowing. Review the covered-card structure, profit calculation, settlement obligations and fees in the bank’s own contract and key facts statement.
Are welcome offers included every year?
No. Year one includes only offers supported by the model and forecast qualifying spend. The ongoing-year estimate excludes acquisition rewards and joining costs, restores recurring annual fees and applies verified renewal waivers only where eligible.
Are bank points, lounge visits and movie offers guaranteed cash?
No. Points and airline miles use transparent illustrative redemption assumptions. Lounge, cinema, valet and insurance benefits are described separately and are not assigned guaranteed cash savings in the reward ranking.
Where can I verify the figures before applying?
Every product review links to official issuer pages and available tariff or reward terms with its source-review date. Read the current bank terms, merchant exclusions and eligibility requirements before submitting an application.