Ruya Mastercard Cashback Credit Card

You earn 2% cashback automatically on eligible retail purchases — both online and in-store. There is no registration required and no minimum spend. Cashback is credited to your account within each billing cycle, up to a maximum of AED 500 per billing cycle.

Cashback is not earned on: cash withdrawals, installment plans, utility bills, telecom charges, government-related retail transactions, and foreign exchange conversion fees. All other retail purchases — online and in-store — qualify.

Yes. Eligible retail transactions made in foreign currency qualify for cashback. However, the foreign exchange conversion fee itself does not earn cashback.

Cashback expires 24 months from the date it was credited. You can redeem it through the ruya Mobile Digital App. The minimum redemption amount is AED 100. Redeemed cashback is adjusted against your unbilled purchases — it is not treated as a payment.

Yes. The card operates on a commodity Murabaha structure, making it fully Shari'ah-compliant. Any late payment charges are donated to charity rather than retained as profit.

The first year is free. From year 2 onwards, the annual fee is AED 313.95. It is waived if your total annual spend on the card reaches AED 30,000.

Yes. The application is entirely digital via the ruya app. You will need an active Ruya bank account, valid Emirates ID, passport, and three months of bank statements and salary documents.