Mawarid Falak Tayyeb Finance Credit Cards

Four Islamic cards are verified on Kredit: Mawarid Titanium, Platinum, World and World Elite. All four are Mastercard and all four pay 10% cashback on groceries, dining and fuel and 2% on all other eligible retail. Titanium and Platinum are free for life; World costs AED 525 a year and World Elite AED 1,050, each waived on enough annual spend. The tiers differ by minimum salary and by how much cashback each category can return per month.

AED 5,000 a month for the Mawarid Titanium Credit Card, which is the entry tier. Mawarid Platinum, World and World Elite each require AED 15,000 a month.

Two of the four do. Mawarid Titanium and Platinum are free for life, so their cashback is not offset by a recurring card charge. Mawarid World costs AED 525 a year and Mawarid World Elite AED 1,050, each waived once annual card spend reaches AED 30,000 and AED 50,000 respectively.

It depends on the tier, because the 10% rate is capped per category and each category has its own cap. Mawarid World Elite returns up to AED 750 a month on groceries, AED 750 on dining and AED 250 on fuel. World returns up to AED 500, AED 500 and AED 200. Platinum returns up to AED 250, AED 250 and AED 150. Titanium returns up to AED 100 on each of the three. All other eligible retail earns 2% with no separate category cap.

Yes, and every tier has one. Total monthly cashback is capped at AED 5,000 on World Elite, AED 3,500 on World, AED 2,500 on Platinum and AED 1,500 on Titanium. Each ceiling includes the category cashback rather than sitting on top of it, so check the per-category caps above before assuming a high-spend month reaches the maximum.

Yes. Mawarid issues its cards under an Islamic structure, so they are an option if you want a Shariah-compliant card that still pays category cashback.