Lifestyle
Merchant
noon FOOD
Enjoy up to 50% off on noon food during live World Cup matches
Valid until 19 Jul 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.
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 12,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic Cashback Plus Credit Card expects AED 12,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
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
10%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 17,500+
Top tier. 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
Mid tier. 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
Entry tier. 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 breakdownJuly Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 14View offer
Lifestyle
Merchant
Excellence Driving School
Learn from expert instructors across Dubai and save today.
Valid until 22 Jul 2026
Lifestyle
Merchant
Americana Food
Mouth-watering offers with your Card
Valid until 30 Jul 2026
Lifestyle
Merchant
talabat
Get up to 30% discount across all categories on talabat
Valid until 30 Jul 2026
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 breakdownEligibility
21
Minimum Age
12,000AED
Minimum Income
Fees
Free
Joining Fee
299AED
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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