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Emirates Islamic Switch Cashback Credit Card
A Visa Signature cashback card letting you switch between Lifestyle and Travel categories monthly, earning up to 8% cashback on fuel.
Updated Jul 2026
≈ AED 5,146 value / year · incl. perks · Lifestyle mode
Welcome offer
First Year Free
No annual fee for the first year
Annual fee of AED 313.95 waived for the first year. Subsequently waived with AED 30,000 annual spend.
Rewards
2 Modes
switch between Lifestyle or Travel cashback category each month
Use the EI+ app to switch between Lifestyle and Travel categories. The mode active at the end of the calendar month is used for calculating cashback earned that month.
1%
cashback on all other spends
No cap. Applies to both Lifestyle and Travel modes. Requires minimum AED 2,500 monthly spend.
0.5%
cashback on telecom, utilities, real estate & government
Reduced rate on telecom, utilities, real estate, government, and charitable transactions. No cap. Applies to both modes.
Lifestyle
8%
cashback on domestic fuel
Capped at AED 100 per month. Requires minimum AED 2,500 monthly spend. Only domestic fuel transactions qualify.
4%
cashback on supermarket, dining & education
Each category capped at AED 200 per month. Supermarket cashback applies to domestic transactions only. Requires minimum AED 2,500 monthly spend.
Travel
4%
cashback on airlines, hotels & dining
Each category capped at AED 200 per month. Switch to Travel mode via the EI+ app. Requires minimum AED 2,500 monthly spend.
Rewards Calculator
Eligibility
21
Minimum Age
10,000AED
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
1,000+ airport lounges worldwide for primary and supplementary cardholders
First annual visit complimentary. Subsequent visits require a minimum USD 1 foreign currency spend within the prior 15 days, otherwise a fee of USD 32 per visit applies.
Golf
2 rounds per month at 5 UAE golf clubs
Arabian Ranches, Jebel Ali, Abu Dhabi Golf Club, Sharjah Golf & Shooting Club, and The Track Meydan. Requires AED 5,000 monthly spend. Book 5–14 days in advance.
See full breakdownBuy 1 Get 1 Cinema Tickets
Up to 2 BOGO tickets per month at VOX and Reel Cinemas
Requires minimum AED 5,000 monthly retail spend. Valid at VOX and Reel Cinemas across the UAE.
Complimentary Valet Parking
1 per month at 25+ locations across the UAE
Mall of the Emirates, Yas Mall, City Walk, Dubai airports, and more across Dubai, Abu Dhabi, Sharjah, and Ajman. Requires AED 5,000 monthly spend.
See full breakdownAirport Meet & Greet
Up to 2 complimentary sessions per year
Requires minimum AED 3,000 monthly retail spend. Available at select airports.
Fees
313.95AED
Annual Membership Fee
Waived first year; waived if annual spend exceeds AED 30,000
Free
Supplementary Card
Up to 4 complimentary supplementary cards
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% or AED 103.95, whichever is higher
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 Switch Cashback Credit Card credit card
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