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Valid until 14 Aug 2026
Emirates Islamic Cashback Plus Credit Card
Earn up to 10% cashback on supermarkets, education, dining and telecom — rate tiered by your total monthly card spend.
Updated Jun 2026
≈ AED 3,538 value / year · incl. perks
Rewards
10%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 17,500+
All eligible-category transactions earn 10% cashback when your total monthly card spend reaches AED 17,500 or more. Capped at AED 200/month per category.
See full breakdown5%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 10,000–17,499
All eligible-category transactions earn 5% cashback when total monthly card spend is between AED 10,000 and AED 17,499. Capped at AED 200/month per category.
See full breakdown3%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 3,000–9,999
All eligible-category transactions earn 3% cashback when total monthly card spend is between AED 3,000 and AED 9,999. Capped at AED 200/month per category. No cashback below AED 3,000 monthly spend or on categories outside the four eligible ones.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
12,000AED
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.
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 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
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Additional Benefits
Unlimited Airport Lounge Access
Access 1,000+ airport lounges worldwide
Unlimited complimentary access to over 1,000 airport lounges worldwide via the Visa Airport Companion programme.
See full breakdownComplimentary Golf
2 complimentary golf rounds per month
Up to 2 complimentary 18-hole rounds per month at participating UAE golf clubs through the Emirates Islamic Golf Programme.
See full breakdownFees
Free
Joining Fee
313.95AED
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 Plus Credit Card credit card
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