Best Credit Card In UAE
+971

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 350

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 5% cash back on electronic store purchases & telecom
  • No min spend for earning cashback
  • Up to 1% cash back on all local and intnational transactions
  • AED 200 gift voucher from noon as joining offer

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 350

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 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

  • 5% guaranteed cash back on telecom expenses
  • 5% guaranteed cash back on electronic purchases
  • 1% guaranteed cash back on all other transactions
  • Upto 2 Movie tickets at reel Buy 1 and Get1
  • No minimum spend criteria for earning cash back rewards
  • Free for life card based on annual spend of AED 10,000
  • Hotel discounts
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Balance transfer facility
  • Purchase protection
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance

Reward Features

Earn Cashback on your Emirates Islamic Cashback Card

  • 5% cashback on telecom expenses (capped at AED 100)
  • 5% cash back on electronic purchases (capped at AED 100)
  • 1% guaranteed cash back on all other local and international transactions
  • No minimum spend criteria for earning cash back rewards

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Cashback redemption is done via Online/Mob Banking
  • A minimum spend of AED 3000 required for cinema offer

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

  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • Complilmentary cinema offers at Reel cinemas - Buy1 and Get 1 Free
  • Auto top-up facility on Salik and Nol
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Discounts on hotel bookings
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration

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 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 10% cash back on RTA transport payments, fuel spends
  • Free for life
  • Additional Cashback on Fuel and RTA payments
  • Up to 2.25% cashback on international spends
  • Up to 1.25% cash back on all other spends

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

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 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 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

  • 10% cash back on fuel spends
  • 10% cash back on RTA transport payments
  • 2.25% cash back on international spends
  • 1.25% cash back on all other spends
  • Visa Luxury Hotel collection offers
  • Access to over 200 airport restaurant offers globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Reel cinemas: Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week.
  • 8% discount on hotel bookings made at Hotels.com
  • Auto Top-up facility for NOL and Salik Accounts
  • Use your card like the RTA Nol Card
  • Purchase protection
  • Enjoy 15% discount on the below Emaar Entertainment Attractions.
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Emergency medical & legal referral service
  • Mazaya offers

Reward Features

  • Earn upto 1.25% cashback per AED 1 on domestic spend  
  • Earn upto  2.25% cashback per AED 1 on international spend
  • Earn 10% cash back on fuel spends (max AED 100 p.m)
  • Earn 10% cash back on RTA transport payments (max AED 100 p.m)

Things To Be Aware Of

  • Bonus cashback categories have maximum caps
  • Need to call the bank to redeem cashback

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