Top 10 Islamic Credit Cards In UAE

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Emirates Islamic Switch Cashback Credit Card Emirates Islamic

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

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Emirates Islamic Skywards Black Credit Card Emirates Islamic

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

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Dubai Islamic Johara Gold Premium Credit Card Dubai Islamic Bank (DIB)

MINIMUM SALARY

AED 5,000

RATE

AED 475 p.m.

ANNUAL FEE

AED 0

Balance Transfer
Car Registration
Travel Insurance
Roadside Assistance

No annual fee
Roadside assistance services
Personal accident & travel insurance cover

MINIMUM SALARY

AED 5,000

RATE

AED 475 p.m.

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

-/-

Key Features

Earn Wala'a Dirhams on all spends
Travel & personal accident insurance with cover up to US $87,500
Complimentary Roadside assistance services
Balance transfer facility
Credit Shield Takaful
8% discount on hotel bookings made at Hotels.com

Reward Features

Earn 2.0 Wala’a Rewards for every AED 1 spent on all retail spends.
Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

Has a monthly subscription fee of AED 475 (no interest rate)

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Emirates Islamic Skywards Infinite Credit Card Emirates Islamic

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

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ADIB Rotana Rewards Exclusive Visa Card Abu Dhabi Islamic Bank (ADIB)

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1250

Golf offers
Valet Parking
Cinema Tickets
Dining Offers
Airport Lounge Access
Travel Insurance
Contactless Tech
Roadside Assistance

Exclusive discounts at Rotana properties
Earn Rotana reward points on all spends
Good travel & lifestyle benefits

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

Up to 50% discount at any Rotana restaurant
20% discount on hotel room bookings via www.rotana.com
Free Roadside Assistance
Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
Free ADIB Travel Desk
Access to over 850 airport lounges available worldwide
Withdraw 100% of your finance limit as cash
Earn Rotana Reward points on all spends
Exclusive Visa dining offers
USD $500,000 travel accident & inconvenience cover
Complimentary Global Concierge service

Reward Features

Rotana Rewards Exclusive Program

1 Rotana Reward Point for every 1 AED spend within UAE
2 Rotana Reward Points for every 1 AED spend in all Rotana properties in the UAE
3 Rotana Reward points for every 1 AED spend Internationally

Things To Be Aware Of

All cashback categories have maximum caps
5th supplementary card onwards annual fee is AED 1,250

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Emirates Islamic Flex Elite Credit Card Top 10 Emirates Islamic

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Golf offers
Valet Parking
Cinema Tickets
Dining Offers
Balance Transfer
Airport Lounge Access
Travel Insurance
Purchase Protection
Extended Warranty
Contactless Tech
Air Miles

Extensive premium lifestyle & travel benefits
Up to 3.75 EI SmartMiles per AED 1 spend
Upto 2.5 EI SmartMiles Per AED 1 spend
2 complimentary valet parking service per month
Complimentary unlimited access to 1000 lounges worldwide

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

The Emirates Islamic Flex Elite Credit Card is precisely that. Receive a welcome bonus equivalent to AED 750 with 75,000 EI SmartMiles upon payment of your first year annual fee. Your key to unforgettable adventures awaits!.

Begin with a generous welcome bonus of AED 750 and embark on a journey of earning rewards for all your spends. Travel worry-free with multi-trip insurance and unwind with unlimited complimentary Airport Lounge accesses for you & a guest. Discover how this card can transform your everyday into something extraordinary.

Key Features

Earn EI SmartMiles on all spends - domestic & international
Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
Earn unlimited miles and redeem with no blackout dates
Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
“Instant Purchase" - shop with EI SmartMiles anytime, anywhere
Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
A wide range of shopping options with online market place
Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
24-hour personalised premium concierge service
Free Valet parking up to 2 times per month
Visa Luxury Hotel collection offers
DragonPass 'Dine & Fly' airport dining program
Mazaya offers
Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
Extended warranty & purchase protection on purchases made on the card
8% discount on hotel bookings made at Hotels.com
Visa PayWave - new, convenient, faster and safer way to pay
2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

You can redeem your EI SmartMiles

With the instant purchase feature against any purchase, across the globe
At over 300 airlines and more than 180,000 hotels worldwide
For latest electronics or for gift vouchers at our online marketplace
Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

10,000 EI SmartMiles = 1,750 AirRewards by Air Arabia

10,000 EI SmartMiles = 1,500 Etihad Guest Miles

10,000 EI SmartMiles =2,500 Marriott Bonvoy Points

10,000 EI SmartMiles = 1,750 Qatar Airways Privilege Club Avios Points

10,000 EI SmartMiles = 1,000 Skywards Miles

7,500 EI SmartMiles = 5,000 Smiles

6,500 EI SmartMiles = 1,000 Upoints By Emaar

Miles will be transferred within 5 working days

Things To Be Aware Of

Specific categories of spend have lower earn rates
Welcome miles will be given once AMF is paid

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ADIB Booking.com Signature Card Abu Dhabi Islamic Bank (ADIB)

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

Golf offers
Valet Parking
Cinema Tickets
Dining Offers
Balance Transfer
Airport Lounge Access
Travel Insurance
Purchase Protection
Extended Warranty
Contactless Tech
Air Miles

Flight and hotel booking discounts
Travel & lifestyle benefits
Earn rewards on all spends & cashback on specific categories

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

10% discount on hotels
5% cashback on flights
7% discount on car rentals through rentalcars.com
20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
4% cashback on fuel spends
Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
Earn 2 Reward Points for every dirham spent internationally
Earn 1 Reward Points for every dirham spent domestically
Complimentary VIP airport lounge access across 850 lounges worldwide
Visa Luxury Hotels Collection offer
Complimentary Concierge Services
Medical & Travel assistance
Multi-Trip Travel insurance with cover up to USD 500,000
Purchase protection of up to USD 6,000 per item
Extended Warranty of up to 24 months
Exclusive dining offers
Free Valet Parking (4 times/month)
Withdraw 100% of your finance limit as cash
8% discount on hotel bookings made at Hotels.com
Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
Subscribe to Anghami Plus and enjoy upto four months free for the first year
Screen reader support enabled.

Reward Features

ADIB Rewards Program

Earn 2 reward points for every AED 1 international spend
Earn 1 reward points for every AED 1 domestic spend

Things To Be Aware Of

All cashback categories have maximum caps
5th supplementary card onwards annual fee is AED 299

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Dubai Islamic Al Islami Infinite Card Dubai Islamic Bank (DIB)

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

Valet Parking
Dining Offers
Car Registration
Airport Lounge Access
Travel Insurance
Purchase Protection
Extended Warranty
Air Miles
Roadside Assistance

Extensive premium luxury lifestyle benefits
Premium travel benefits
Premium card with no annual fee

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

Earn Wala'a Dirhams on all spends
Up to 4 free valet parking services per month in Dubai & Abu Dhabi
Free access for cardholder plus a guest to over 900 premium airport lounges globally
International concierge services
Visa fine dining offers
Emergency Merchant Authorization service
Exclusive Visa Infinite Privileges
Visa Luxury Hotel Collection offers
Free Multi-Trip Travel Insurance with cover up to US $1,000,000
Complimentary Concierge Services
Purchase protection for 60 days
Extended Warranty that automatically doubles the original warranty
Complimentary Roadside assistance services
Balance transfer facility

Reward Features

Earn Wala'a Dirhams

Earn 0.5% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.

Things To Be Aware Of

Only for DIB Wajaha customers
Has a monthly subscription fee of AED1000 (no interest rate)

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Emirates Islamic Etihad Guest Premium Emirates Islamic

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!

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