Lifestyle
Merchant
Careem Dine Out
Careem Dine Out Offer
Valid until 30 Oct 2026
- Joining Fee
- Free
- Annual Fee
- AED 313.95
- Minimum Salary
- AED 12,000
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 10,990 potential value / year · incl. perks
At a glance
Fees and eligibility
Joining FeeFree
Annual FeeAED 313.95
Minimum SalaryAED 12,000
Monthly Profit Rate
3.69%
International Transaction Fee (non-AED)
2.54%
Rewards
| Category | Under AED 3,000 | AED 3,000+ | AED 10,000+ | AED 17,500+ |
|---|---|---|---|---|
Dining, Education, Grocery, Telecom Capped at AED 200 a month each | 0% | 3% | 5% | 10% |
| Category | Under AED 3,000 | AED 3,000+ | AED 10,000+ | AED 17,500+ |
|---|---|---|---|---|
Dining, Education, Grocery, Telecom Capped at AED 200 a month each | 0% | 3% | 5% | 10% |
Tiers are total monthly spend on the card.
Rewards
10%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 17,500+
5%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 10,000–17,499
3%
cashback on Supermarkets, Education, Dining and Telecom when total monthly spend is AED 3,000–9,999
Rewards Calculator
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Eligibility
21
Minimum Age
12,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
October 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Offers
See all 6View offer
Lifestyle
Merchant
Careem DineOut
Careem DineOut Offer
Valid until 28 Nov 2026
Lifestyle
Merchant
Emirates Holidays
Emirates Holidays Offer
Valid until 16 Dec 2026
Lifestyle
Merchant
Golden ALPHA
Golden ALPHA Offer
Valid until 30 Dec 2026
Additional Benefits
Unlimited Airport Lounge Access
Access 1,000+ airport lounges worldwide
Complimentary Golf
2 complimentary golf rounds per month
Complimentary Valet Parking
1 complimentary valet parking service per month
Fees
Free
Joining Fee
313.95AED
Annual Fee
3.69%
Monthly Profit Rate
Frequently Asked Questions
Get answers to common questions about Emirates Islamic Cashback Plus Credit Card credit card
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