Best Islamic Credit Cards in the UAE

For DIB cashback, Consumer Cashback Platinum earns 4% from an AED 15,000 salary, while Consumer Cashback Reward earns 3% from AED 5,000. For premium travel, compare DIB Shams Infinite or Emirates Islamic Skywards Infinite. For Al Futtaim shoppers, compare ADIB SHARE Platinum or Infinite.

Islamic credit cards use Sharia-compliant contracts — most commonly Tawarruq (commodity murabaha) or Ujrah (fee-based). The bank buys a commodity, sells it to you at a profit margin, and the markup replaces conventional interest. Late charges go to charity instead of the bank.

Dubai Islamic Bank (DIB), Emirates Islamic (EI — Emirates NBD's Islamic arm), Abu Dhabi Islamic Bank (ADIB), Sharjah Islamic Bank (SIB), and a few others. Each has a Sharia Supervisory Committee that certifies the products as compliant.

Total cost depends on the individual card's annual fee, profit rate and usage charges. The underlying contract differs from a conventional card, but the KFS is still the right place to compare total cost. Some Sharia-compliant cards have no annual fee, while DIB Consumer Cashback Platinum and Reward carry published annual fees.