Emirates Islamic lists 5% cashback on telecom spends including Etisalat (e&) and du bill payments.
Emirates Islamic Cashback Credit Card
Earn 5% cashback on telecom and electronics plus up to 1% on all other local and international spends.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic Cashback Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Rewards
5%
cashback on telecom spends
5% cashback on telecom spends including Etisalat (e&) and du bill payments.
See full breakdown5%
cashback on electronics purchases
5% cashback on electronics purchases at eligible electronics retailers.
See full breakdown1%
cashback on all other local and international spends
1% cashback on all other eligible local and international retail spends. Exclusions apply for government, utilities, and similar categories.
See full breakdownRewards Calculator
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Additional Benefits
VOX Cinemas BOGO Tickets
2 Buy-One-Get-One free tickets per month at VOX
Enjoy 2 Buy-One-Get-One free movie tickets per month at VOX Cinemas. Complimentary ticket of equal or lesser value.
See full breakdownEligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
Free
Joining Fee
350AED
Annual Fee
3.69%
Monthly Profit Rate
3.69% per month (44.28% per annum)
Minimum Monthly Payment5%*
*5% of outstanding balance and all fees and charges
Commitment to DonateAED 131.25*
*Charged on delayed or missed payments; donated to a bank-approved charity per Shariah requirements.
Over Limit FeeAED 261.45*
*Charged per month while over limit
Cash Advance Fee3.15%*
*3.15% of transaction amount or AED 103.95, whichever is higher
Supplementary CardFree*
*Up to 4 complimentary supplementary cards
Card ReplacementAED 78.75
Slip RetrievalAED 52.5
Direct Debit Return FeeAED 105
International Transaction Fee (non-AED)2.54%*
*2.54% of transaction amount
Credit Shield1.04%*
*1.04% of outstanding balance per month
Foreign Currency Transaction Fee (AED abroad)1.99%*
*1.99% on AED transactions processed abroad
Frequently Asked Questions
Get answers to common questions about Emirates Islamic Cashback Credit Card credit card
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