Lifestyle
Merchant
Apple
Easy Payment Plan Offer
Valid until 30 Aug 2026
- Joining Fee
- Free
- Annual Fee
- AED 367.50
- Minimum Salary
- AED 5,000
Emirates Islamic Cashback Credit Card
Earn 5% cashback on telecom and electronics plus up to 1% on all other local and international spends.
Updated Jun 2026
≈ AED 5,124 potential value / year · incl. perks
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
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Eligibility
21
Minimum Age
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August 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
- 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
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Offers
See all 10View offer
Lifestyle
Merchant
Careem Plus
Careem Plus Offer
Valid until 30 Aug 2026
Lifestyle
Merchant
Keeta
Keeta Offer
Valid until 30 Aug 2026
Lifestyle
Merchant
noon Minutes
Pay 50% less on noon Minutes
Valid until 30 Aug 2026
Additional Benefits
VOX Cinemas BOGO Tickets
2 Buy-One-Get-One free tickets per month at VOX
No minimum spend requiredEnjoy 2 Buy-One-Get-One free movie tickets per month at VOX Cinemas. Complimentary ticket of equal or lesser value.
See full breakdownFees
Free
Joining Fee
367.5AED
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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