Free
Joining Fee
- Joining Fee
- Free
- Annual Fee
- Free for life
- Minimum Salary
- AED 5,000
Islamic
Al Hilal Cashback Credit Card
Free-for-life Shariah-compliant card earning up to 5% cashback on 2 chosen categories, plus 1% on other eligible retail spend.
≈ AED 6,736 potential value / year · incl. perks
At a glance
Fees and eligibility
Joining FeeFree
Annual FeeFree for life
Minimum SalaryAED 5,000
Monthly Profit Rate
3.69%
International Transaction Fee (non-AED)
3.14%
Rewards
| Category | Under AED 3,000 | AED 3,000+ | AED 8,000+ |
|---|---|---|---|
Dining, Grocery Capped at AED 250 a month each | 1% | 3% | 5% |
All other spend | 1% | 1% | 1% |
| Category | Under AED 3,000 | AED 3,000+ | AED 8,000+ |
|---|---|---|---|
Dining, Grocery Capped at AED 250 a month each | 1% | 3% | 5% |
All other spend | 1% | 1% | 1% |
Tiers are total monthly spend on the card. Total rewards capped at AED 500 a month
Rewards
Up to 5%
cashback on your 2 chosen categories, tiered by monthly spend
1%
cashback on all other retail spends
1%
cashback on EEA international spends
Rewards Calculator
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Eligibility
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
November Spotlight
Emirates NBD
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.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Additional Benefits
Airport Lounge Access
Up to 4 shared lounge visits or dining offers per year via Mastercard Travel Pass
Fees
Free
Annual Fee
3.69%
Monthly Profit Rate
Frequently Asked Questions
Get answers to common questions about Al Hilal Cashback Credit Card credit card
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