Best Credit Card In UAE
+971

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Free for life
  • Earn EI SmartMiles on all your purchases
  • Multiple cards for partners & employees
  • Unlimited complimentary airport lounge access

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Multiple cards for your partners and your employees
  • Better control on business expenses such as business travel, dining, utility bill payments and much more
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • 0% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Cash-On-Call facility through 24/7 phone banking service.
  • Earn EI SmartMiles on all your purchases
  • Wide range of redemption options - flights, hotels and other retail transactions
  • Easy payment plans for better cash flow management
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • Fine Dining Discounts
  • Kaligo Business Discounts
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Balance transfer facility on existing business credit cards from other banks
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 10% cashback on Groceries, Education, Dining & Telecom
  • Unlimited complimentary access to over 1,000 airport lounges
  • Complimentary Golf any day of the week
  • 1 complimentary valet parking service per month
  • AED 500 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • Auto Top-Up for Salik: Automated recharge facility for Salik accounts.
  • Reel Cinemas: 2 "Buy 1 Get 1" tickets monthly with AED 3,000 spend.
  • Roxy Cinemas: 20% off tickets, snacks, and beverages.
  • Lounge Access: Unlimited worldwide access; subsequent visits with USD 1 foreign spend or USD 27 fee.
  • Complimentary Golf: 2 rounds per month at select clubs with AED 5,000 spend.
  • Extended Warranty: Doubles the manufacturer’s warranty up to 1 year.
  • Meet & Greet: 2 Marhaba services annually with AED 3,000 spend.
  • Purchase Protection: Covers theft or damage for purchases.
  • Cash on Call: Access up to 80% of your credit limit as cash.
  • Luxury Hotel Collection: Exclusive perks at 900+ properties, including upgrades and free breakfast.
  • Travel Insurance: Covers accidents and inconveniences on trips up to 90 days.
  • Easy Payment Plan: 0% installment plans at partner outlets (3–12 months).
  • Valet Parking: 1 free service monthly with AED 3,000 spend.
  • Dubai & Sharjah Ladies Club: Free access with AED 3,000 spend.
  • Visa Travel Offers: Discounts on hotels, car rentals, and more (up to 35%).

Reward Features

Earn cashback on your Emirates Islamic Cashback Plus Credit Card

Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:

  • Up to AED 2,999 - 0% cashback
  • Between AED 3,000 & AED 9,999 - 3% cashback
  • Between AED 10,000 & AED 17,499 - 5% cashback
  • Above AED 17,500 - 10% cashback

Maximum Cash Back Per Month - AED 200 for above categories.

Things To Be Aware Of

  • AED 3000 minimum should be spend to earn cashback
  • For telecom spends on this card use direct payment channels
  • Cashback points Redemption is done via Online/Mob Banking

MINIMUM SALARY

AED 10,000

RATE

3.69%

ANNUAL FEE

AED 733

  • Golf offers
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status.
  • Up to 3 Etihad Guest Miles per USD spent.
  • Unlock 25% Etihad Guest Miles Discount Voucher
  • Complimentary Airport Transfers & lounge access
  • Complimentary Golf and Valet parking

MINIMUM SALARY

AED 10,000

RATE

3.69%

ANNUAL FEE

AED 733

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Joining Offers

Welcome Bonus: Earn 20,000 Etihad Guest Miles upon paying an annual membership fee.

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status:Spend AED 2,000 on Etihad Airways within 12 months of card issuance. Benefits valid for 12 months from enrollment (Primary cardholders only).
  • 25% Etihad Guest Miles Redemption Discount Vouchers: Spend AED 100,000 in a year to get a 25% discount voucher. Spend AED 50,000 to < AED 100,000 for a 10% voucher (one voucher per year).
  • Complimentary Lounge Access: First lounge visit is free; subsequent visits require a foreign currency spend of $1 or equivalent. Guest access: $27/person/visit.
  • Complimentary Golf: 2 rounds per month at select UAE golf courses (minimum AED 5,000 monthly spend required).
  • Meet & Greet Service:2 complimentary services annually at Dubai/Abu Dhabi airports (AED 3,000 monthly spend required).
  • Multi-Trip Travel Insurance:Covers trips up to 90 days.
  • Extended Warranty:Doubles the manufacturer’s warranty up to 1 additional year.
  • Global Assistance:24/7 multilingual Visa support for lost/stolen cards.
  • Movie Cashback:50% cashback on cinema tickets (max AED 75/month with AED 3,000 monthly spend).
  • Exclusive Roxy Cinemas Offer:20% off tickets, food, and beverages (valid until April 30, 2025).
  • Complimentary Valet Parking:1 service/month at select UAE locations (AED 3,000 monthly spend required)
  • Purchase Protection:Coverage against theft or damage of purchases.
  • Balance Transfer Facility: Pay off other bank balances with 0% profit rate on transfers.
  • Global Concierge:24/7 service for reservations and travel assistance.
  • Complimentary Access to Dubai Ladies Club:Pool, gym, and outdoor activities (AED 3,000 monthly spend required).
  • Visa Travel Offers:Discounts on hotels, car rentals, and staycations.
  • Inflight Wi-Fi Vouchers: 2 vouchers annually for transactions of AED 500+ on Etihad Airways.
  • Complimentary Airport Transfers:2 transfers/year for eligible Etihad flights (within 6 months of transaction). These features make the card ideal for frequent travelers and those seeking premium lifestyle perks.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3 Etihad Guest mile for spend at  Etihad Airline
2 Etihad Guest mile for spend at International Spend
1.5 European Economic Area (EEA) including the United Kingdom
Upto 1.5 Etihad Guest mile for spend at domestic spend

Emirates Islamic Etihad Guest Ameera card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 25,000 Tier Miles can be earned in a membership year.

Things To Be Aware Of

  • AMF is 733.95

MINIMUM SALARY

AED 20,000

RATE

3.49%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track update to Etihad Guest Gold Tier Status
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Up to 2- 60% Etihad Guest Miles Discount Vouchers
  • Complimentary airport transfers and airport lounge access
  • Complimentary Golf and Valet parking

MINIMUM SALARY

AED 20,000

RATE

3.49%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Welcome Bonus

Select your preferred option from the below table and earn up to 55,000 Etihad Guest Miles as welcome bonus up on payment of Annual Membership Fee.

Options Welcome Bonus Annual Membership Fee (AMF)
25,000 Etihad Guest miles AED 1,500/-
55,000 Etihad Guest miles AED 2,500/-

Key Features

  • Welcome Bonus: Earn up to 55,000 Etihad Guest Miles as a welcome bonus with an annual fee.
  • Gold Tier Status: Fast-track to Etihad Guest Gold Tier for 12 months by spending AED 4,500 on Etihad Airways.
  • Discount Vouchers: Unlock two 60% Etihad Guest Miles redemption discount vouchers by meeting spending targets.
  • Airport Transfers: Get up to 4 complimentary airport transfers per year with eligible Etihad transactions.
  • Lounge Access: Enjoy unlimited complimentary access to 1,000+ airport lounges with a guest.
  • Golf Benefits: Unlimited complimentary golf rounds with a monthly spend of AED 10,000.
  • Meet & Greet: Receive 2 free Marhaba or Salam meet-and-greet services with AED 5,000 monthly spend.
  • Travel Insurance: Automatic travel accident and inconvenience insurance for trips up to 90 days.
  • Visa Infinite Offers: Access exclusive luxury discounts and offers through Visa Infinite.
  • Extended Warranty: Get an additional year of warranty on purchases.
  • Global Assistance: 24/7 multilingual support for card-related emergencies worldwide.
  • Cinema Cashback: Enjoy 50% cashback on movie tickets with a monthly spend of AED 5,000.
  • Roxy Cinemas Discount: Save 20% on tickets, food, and beverages at Roxy Cinemas.
  • Valet Parking: Avail 2 complimentary valet parking services per month with eligible spend.
  • Global Concierge: Access 24/7 concierge services for reservations and assistance worldwide.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend

Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

Every spend domestically or internationally brings you closer to exciting rewards. Earn 1 Etihad Guest Tier Mile for every 1 USD equivalent spent using your card. A maximum cap of 50,000 Etihad Guest Tier Miles can be earned in a membership year. Start accumulating Etihad Guest Tier Miles today and elevate your travel experience with the Emirates Islamic Etihad Guest Credit Card!

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 899

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent.
  • Unlock 25% Etihad Guest Miles Discount Voucher
  • Complimentary Airport Transfers and Airport Lounge access
  • Complimentary Golf and Valet parking

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 899

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Welcome Bonus: Earn 30,000 Etihad Guest Miles upon paying an annual membership fee of AED 899.

Key Features

  • Fast-Track to Silver Tier: Spend AED 2,000 on Etihad Airways within 12 months to get Etihad Guest Silver Tier Status for one year.
  • Tier Miles: Earn 1 Etihad Guest Tier Mile per USD spent (capped at 25,000 per membership year).
  • 25% Miles redemption discount for AED 100,000 annual spend.
  • 10% discount for AED 50,000 to AED 100,000 annual spend.
  • Complimentary WiFi Vouchers: 2 vouchers annually for Etihad spends of AED 500 or more.
  • Complimentary Airport Transfers: 2 transfers annually for Etihad-related spends (terms apply).
  • Unlimited access after a minimum foreign currency spend of USD 1 (first visit free).
  • Guest fee: USD 27 per visit.
  • Meet & Greet Service: 2 Marhaba or Salam services annually for AED 3,000 monthly retail spend.
  • Multi-Trip Travel Insurance: Coverage for trips up to 90 days.
  • Golf: 2 complimentary rounds per month (AED 5,000 monthly spend required).
  • Cinema Cashback: 50% cashback on tickets (AED 3,000 monthly spend; max AED 75/month).
  • Roxy Cinemas: 20% discount on tickets, food, and beverages (valid until April 30, 2025).
  • Valet Parking: 1 complimentary service per month (AED 3,000 monthly spend).
  • Dubai Ladies Club Access: Free access with AED 3,000 monthly retail spend.
  • Balance Transfer: Transfer balances from other banks with no profit charged.
  • Cash Advance: Instant cash withdrawal from ATMs worldwide.
  • Purchase Protection: Coverage against theft or damage.
  • Extended Warranty: Doubles original manufacturer’s warranty by up to 1 year.
  • Concierge Service: 24/7 assistance for reservations and bookings.
  • Global Assistance: Multilingual support for lost/stolen cards.
  • Visa Travel Offers: Discounts on hotels, car rentals, and luxury experiences.
  • Maximize your rewards and benefits with the Emirates Islamic Etihad Guest Saqer Credit Card!

Reward Features

3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
1.5 Etihad Guest miles for European Economic Area (EEA) including the United Kingdom
Upto 1.5  Etihad Guest miles at domestic spend

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.

Maximum cap: 25,000 Tier Miles per membership year.

Things To Be Aware Of

  • This card joining offer is only for UAE Nationals

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn upto 100,000 bonus Emirates Skywards Miles
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Skywards Gold Tier Membership for Supplementary Cardholder

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

Earn upto 100,000 bonus skywards miles!

Welcome Miles Bonus Category: 35,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.
2) Cumulative retail spend of AED 120,000 within 3 months: 40,000 skywards miles
3) Cumulative Foreign currency spend of AED 50,000 within 6 months : 25,000 skywards miles

Key Features

  • Complimentary Emirates Skywards Silver Tier Membership: Includes bonus tier miles, extra baggage allowance, and priority check-in as long as the card is active.
  • Fast Track to Gold Tier Membership: Spend USD 5,000 (AED 18,365) on Emirates Airline within 12 months to achieve Gold status for 12 months.
  • Gold Membership for Supplementary Cardholder: Available with additional USD 5,000 spend and AED 5,500 annual fee.
  • Complimentary Lounge Access: Unlimited access for the cardholder and a guest at 1,000+ airport lounges.
  • Complimentary Airport Transfers: Up to 4 per year for eligible Emirates flights.
  • Meet & Greet Service: Up to 2 complimentary Marhaba Silver services annually with a minimum AED 5,000 spend.
  • 4 "Buy 1 Get 1" complimentary VOX movie tickets per month with AED 5,000 spend.
  • 20% discount on Roxy Cinemas tickets and F&B.
  • Complimentary Golf: Unlimited rounds at select clubs with AED 10,000 monthly spend.
  • Complimentary Valet Parking: 3 services per month with AED 5,000 spend.
  • 25% Discount on Skywards 'Buy Miles' and 'Gift Miles'.
  • Purchase Protection: Covers theft or damage.
  • Extended Warranty: Doubles the manufacturer's warranty up to 1 year.
  • Multi-Trip Travel Insurance: Includes personal accident coverage, baggage delay, and loss of belongings.
  • Global Assistance: 24/7 support for lost/stolen cards.
  • 0% Easy Payment Plan: Convert Emirates purchases into 3-month installments.
  • Balance Transfer: Transfer balances from other banks with no profit charges.
  • Cash Advance: Accessible worldwide at ATMs and branches.
  • Visa Infinite Privileges: Discounts and luxury offers via Visa Infinite.
  • Global Concierge Services: Assistance for reservations and bookings 24/7.
  • Dubai & Sharjah Ladies Club Access: Complimentary with AED 5,000 monthly spend.
  • Visa Travel Offers: Discounts on hotels, staycations, and car rentals.
  • Complimentary VOX Movie Tickets: Up to 4 BOGO tickets monthly.
  • Exclusive Discounts: Save on tickets, food, and beverages at Roxy Cinemas.

Reward Features

Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates

- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend

MINIMUM SALARY

AED 25,000

RATE

3.69%

ANNUAL FEE

AED 2000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Automatic upgrade to Emirates Skywards silver membership
  • Complimentary Valet Parking
  • Unlimited Complimentary golf 7 days a week
  • Best skyward miles earning rates

MINIMUM SALARY

AED 25,000

RATE

3.69%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.

2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000  within 6 months

3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months

Overall an ability to earn upto 90,000 bonus skywards miles!

Key Features

  • Unlimited Lounge Access: Free access for cardholder + 1 guest; USD 1 foreign spend needed for additional visits.
  • Skywards Silver Membership: Free for 12 months; renew with USD 2,500 Emirates spend.
  • 2 Free Meet & Greet Services: Annual benefit with AED 5,000 monthly spend.
  • Multi-Trip Travel Insurance: Covers accidents, baggage delays, and lost belongings.
  • 24/7 Global Assistance: Visa support for lost/stolen cards.
  • Reel Cinemas Offer: 3 "Buy 1 Get 1" tickets monthly with AED 5,000 spend.
  • Roxy Cinemas Discount: 20% off tickets, food, and beverages.
  • Free Valet Parking: 2 services monthly with AED 5,000 spend.
  • Unlimited Golf: Free rounds at select clubs with AED 10,000 spend.
  • Ladies Club Access: Free entry to Dubai & Sharjah clubs with AED 5,000 spend.
  • Balance Transfer: No profit charges for transferring balances.
  • Purchase Protection: Covers up to USD 7,500 per claim.
  • Extended Warranty: Adds 1 year to the manufacturer’s warranty.
  • Global Concierge: 24/7 booking and reservation assistance.
  • Cash Advance: Withdraw globally at 780,000+ ATMs.
  • Visa Infinite Discounts: Luxury offers and travel deals (up to 35% off).

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.69%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Automatic enrollment to Emirates Skywards blue membership
  • Unlimited Complimentary airport lounge access with a guest
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Complimentary Valet Parking

MINIMUM SALARY

AED 12,000

RATE

3.69%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.

2) Cummulative retail spends ( within 6 months): 20,000 skywards miles

Spend a minimum of AED 30,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months

Overall an ability to earn upto 60,000 bonus skywards miles!

Key Features

  • Lounge Access: Free first visit; subsequent visits with USD 1 spend or USD 27 fee.
  • Enjoy unlimiTravel Insurance: Covers accidents and inconveniences on trips up to 90 days.
  • Reel Cinemas: 2 "Buy 1 Get 1" tickets monthly with AED 3,000 spend.
  • Roxy Cinemas: 20% discount on tickets, food, and beverages.
  • Valet Parking: 1 free service monthly with AED 3,000 spend.ted complimentary access to over 1000 airport lounges
  • Golf: 2 complimentary rounds monthly with AED 5,000 spend.
  • Dubai Ladies Club: Free access with AED 3,000 spend.
  • Purchase Protection: Covers theft or damage for purchases.
  • Extended Warranty: Adds 1 year to the manufacturer’s warranty.
  • Luxury Hotel Collection: Perks like upgrades, late check-out, and free breakfast.
  • Visa Travel Offers: Discounts on hotels, car rentals, and staycations.

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month
  • 20% discount on the below Emaar Entertainment Attractions

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / AED 131.25

Joining Offers

Limited Time Offer - Welcome bonus of AED 500 as cashback points!*

*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.

Key Features

  • Rewards – Up to 8% Cashback on your spends.
  • Lifestyle – 4% Cashback on Supermarkets, Dining & Education with 8% Cashback on Fuel.
  • Travel - 4% cashback on Airlines, Hotels & Dining.
  • 2 "Buy 1 Get 1" complimentary movie tickets every month.
  • 2 rounds of complimentary golf per month.
  • Complimentary valet parking service per month.
  • 2 Bronze Meet & Greet services at Dubai Airport.
  • Unlimited Worldwide Airport lounge accesses for the cardholder.

Reward Features

Lifestyle

Merchant Category Cashback % Monthly Cap (in AED)
Supermarket (Domestic) 4% 200
Dining 4% 200
Fuel (Domestic) 8% 100
Education 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap

Travel

Merchant Category Cashback % Monthly Cap (in AED)
Airlines 4% 200
Hotels 4% 200
Dining 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap


On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.

Things To Be Aware Of

  • A minimum spend of AED 2,500 required for earning cashback