Which categories earn cashback?

Only four categories earn cashback — Supermarkets, Education, Dining and Telecom. Other transactions, including rent, fuel, utilities, government, retail and bill payments, earn no cashback.

Is there a cap on cashback?

Yes. Cashback is capped at AED 200 per month per category, so the theoretical maximum across the four eligible categories is AED 800 per month.

Does the Emirates Islamic Cashback Plus Credit Card have an annual fee?

Yes. Emirates Islamic lists an annual fee of AED 313.95.

What is the minimum salary for the Cashback Plus Credit Card?

The listed minimum monthly salary is AED 12,000. Final approval is subject to Emirates Islamic's credit and policy assessment.

What benefits beyond cashback does the card include?

The Cashback Plus card includes unlimited complimentary access to 1,000+ airport lounges worldwide via Visa Airport Companion and up to 2 complimentary golf rounds per month at participating UAE clubs.

Emirates Islamic Cashback Plus Credit Card Benefits

Q: How does the tiered cashback on the Cashback Plus card work?

The cashback rate is based on your total monthly card spend across all categories combined. You earn 3% on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 3,000–9,999, 5% from AED 10,000–17,499, and 10% at AED 17,500 and above. Total monthly spend below AED 3,000 earns no cashback.

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 breakdown

5%

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 breakdown

3%

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 breakdown

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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.

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