Merchant
Optic Studio
Get notified about UAE latest credit card products
Get notified about UAE latest credit card products

A Sharia-compliant card for UAE Nationals, earning 7% cashback on dining, fuel, hotels, travel, fitness, spas and jewellery.
Updated Sep 2026
| Category | Under AED 7,000 | AED 7,000+ |
|---|---|---|
All other spend | 0% | 1% |
| Category | Under AED 7,000 | AED 7,000+ |
|---|---|---|
All other spend | 0% | 1% |
Tiers are total monthly spend on the card. Total rewards capped at AED 1,500 a month
7%
Cashback on dining, fuel, hotels, travel, fitness, spas and jewellery.
50%
Cashback on movie tickets purchased online.
My Cards
Add it to your wallet, include any other cards you own, and see exactly where this card should be used.
18
Minimum Age
8,000AED
Minimum Income
15,000AED
Minimum Credit Limit
UAE Nationals only
This Sharia-compliant card is available exclusively to UAE Nationals.
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
October Spotlight
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
EMIRATES NBD
EMIRATES NBD
Merchant
Optic Studio
Merchant
The Ninth Cut
Merchant
The Ninth Cut Experience
Merchant
Al Badayer Retreat
Unlimited worldwide lounge access
Unlimited visits to 1,000+ lounges for you and a guest.
Caribou Coffee offer
Unlimited buy 1 get 1 free on beverages.
Takaful Credit Shield
Complimentary Sharia-compliant life cover.
Travel insurance
Complimentary medical and inconvenience cover.
Visa Infinite Concierge
24/7 concierge for travel, dining and events.
ENTERTAINER 2-for-1 offers
2-for-1 at restaurants, spas, fitness and entertainment.
Avis President's Club
Up to 35% off worldwide car rentals.
Bicester Village discount
10% off at The Bicester Village Shopping Collection.
945AED
Annual Membership Fee
Free
Supplementary Card
3.15%
Cash Advance Fee
Get answers to common questions about ADCB Islamic Emirati Credit Card credit card
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