You can switch between Lifestyle and Travel cashback categories anytime during the month via the EI+ Mobile Banking app. The category active at the end of the calendar month is used for calculating your cashback earned that month.
Emirates Islamic Switch Cashback Credit Card
A Visa Signature cashback card that lets you switch between Lifestyle and Travel reward categories each month via the EI+ app, earning up to 8% cashback on fuel and 4% on dining, supermarkets, education, airlines, and hotels.
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 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic Switch Cashback Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
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.
Welcome offer
AED 500 Cashback Points
Spend AED 15,000 within 60 days of card approval
AED 500 in the form of cashback points will be credited in the 3rd statement cycle after completing the spend requirement. Only retail spends qualify. Offer valid till 31 March 2026.
See full breakdownFirst 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
July 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
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.
Eligibility
21
Minimum Age
5,000AED
Minimum Income
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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