ruya Cashback
ruya Cashback is a UAE Islamic covered card with Cashback rewards. Its published minimum monthly salary is AED 5,000. The listed annual fee is AED 313.95 before the conditional first-year waiver. Its value depends on your eligible spending, fees and redemption choices.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.7/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 3%; scheme charges may apply
Explore all ruya cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 313.95
- Bank FX charge
- 3%; scheme fees may apply
- Monthly profit rate
- 3.5%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
An active ruya account, age 21+ and a minimum monthly salary of AED 5,000 are required. Apply through the ruya app; employer, income-document and credit checks apply. No mandatory transfer of salary to ruya is established by the product page.
Cashback or points earning rules, thresholds and caps
2% cashback on eligible retail purchases, including eligible foreign-currency purchases; up to AED 500 per billing cycle. No minimum spending gate. AED 100 minimum redemption through the app; cashback expires after 24 months.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: AED 500. Reward earning delay: 0 modelled months.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible retail, including foreign currency | 2% cashback | AED 500 per billing cycle | No minimum spending gate. Excludes government, utilities, telecoms, cash withdrawals and instalment plans. |
| Government, utilities, telecoms, cash and instalments | No cashback | Not applicable | Merchant classification and the bank’s eligibility rules apply. |
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.
Renewal waiver assumes at least AED 30,000 qualifying spend in the preceding card year.
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are excluded. 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 calculatorFirst-year AED value and conditional welcome offers
The benchmark produces AED 1,800 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.
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are excluded.
Calculate this card using your own monthly spending. The expandable breakdown below applies current offer dates and shows the full fee and welcome conditions.
Full offer and qualification details for ruya Mastercard Cashback Credit Card
ruya Mastercard Cashback Credit Card
Dirham Score 2.7/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 3%; scheme charges may apply
First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
An active ruya account, age 21+ and a minimum monthly salary of AED 5,000 are required. Apply through the ruya app; employer, income-document and credit checks apply. No mandatory transfer of salary to ruya is established by the product page.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,800
First-year fee adjustment+ AED 313.95
Joining-fee refund+ AED 0
Annual fee− AED 313.95
Actual modelled netAED 1,800
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are excluded.
Calculation assumptionsRewards, fees & important conditions
Read the full ruya Mastercard Cashback Credit Card review and fee maths
2% cashback on eligible retail purchases, including eligible foreign-currency purchases; up to AED 500 per billing cycle. No minimum spending gate. AED 100 minimum redemption through the app; cashback expires after 24 months.
No cinema benefit verified. · No current airport lounge benefit verified.
Monthly profit rate: 3.5%. Bank FX charge: 3%.
Models 2% on eligible general retail, capped at AED 500 per billing cycle. Utilities are excluded. School fees are excluded conservatively because the monthly input does not distinguish eligible private tuition from excluded government payments. Government, telecom, cash withdrawals and instalments do not earn cashback. Unpriced perks are excluded.
Government, utility and telecom retail, cash withdrawals and instalment plans are excluded from cashback. Foreign-exchange conversion charges do not earn cashback.
Cashback must be redeemed through the app and is applied to unbilled purchases; it does not replace the required monthly repayment. Unredeemed rewards are forfeited when the card closes.
The current tariff quotes 3% for foreign-currency purchases and AED transactions outside the UAE. Mastercard exchange-rate effects and any additional scheme component are not fully verified.
No welcome bonus, airport lounge entitlement or cinema offer is assumed. The standard account can be free; optional account-plan fees are not required or included in this card forecast.
Official bank source · checked 2026-10-24Product page and published cashback FAQs
Current fee schedule, April 2026
Actual ruya Cashback Mastercard photographed in the bank’s credit-card product banner. Cropped to the product, with original photographic details preserved; no generation, redrawing or background replacement. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No current airport lounge benefit verified.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Government, utility and telecom retail, cash withdrawals and instalment plans are excluded from cashback. Foreign-exchange conversion charges do not earn cashback.
- Cashback must be redeemed through the app and is applied to unbilled purchases; it does not replace the required monthly repayment. Unredeemed rewards are forfeited when the card closes.
- The current tariff quotes 3% for foreign-currency purchases and AED transactions outside the UAE. Mastercard exchange-rate effects and any additional scheme component are not fully verified.
- No welcome bonus, airport lounge entitlement or cinema offer is assumed. The standard account can be free; optional account-plan fees are not required or included in this card forecast.
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.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare ruya Mastercard Cashback Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare ruya Mastercard Cashback Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare ruya Mastercard Cashback Credit Card with CBD Super Saver Visa Signature Credit Cardruya Cashback FAQs
What salary do you need for ruya Cashback?
The published minimum monthly salary is AED 5,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for ruya Cashback?
The listed annual fee is AED 313.95. First year is free. The current April 2026 fee schedule states AED 313.95 including VAT from year two unless AED 30,000 annual spending qualifies for waiver. The linked KFS instead quotes AED 299 while describing fees as VAT-inclusive; confirm your issued fee. The current website tariff is used for the forecast.
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
- ruya Mastercard Cashback Credit Card official product terms
- ruya: Product page and published cashback FAQs
- ruya: Current fee schedule, April 2026
- ruya: Key facts statement
- ruya: Credit card terms
- ruya Mastercard Cashback 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.