Best Credit Cards for Sharaf DG UAE
Compare UAE credit cards for Sharaf DG: Emirates Islamic Cashback earns 5% on electronics, SIB Cashback earns 10% on online spend, plus flat cashback options for in-store and online shopping.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
EMIRATES ISLAMIC
Emirates Islamic Cashback Credit Card
≈ AED 5,124 potential value / year · incl. perks
5% Cashback on telecom
5% Cashback on electronics
Up to 1% cashback on all local and international spends
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on all spends
0.5% Cashback on Other Credit Card Bills
Total Cashback up to AED 2,500/month
Up to 600 ENTERTAINER offers
Best Credit Cards for Sharaf DG UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 367.50 | AED 5,000 | 5% cashback on electronics and telecom spend including Sharaf DG, AED 350 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online spend including sharafdg.com, from AED 8,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on all spend up to AED 1,500/month, from AED 25,000 |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Sharaf DG spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
 | AED 735 (waivable) | AED 15,000 | EI SmartMiles on all spend including electronics, AED 735 annual fee, from AED 15,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible electronics spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 367.50 | AED 5,000 | 5% cashback on electronics and telecom spend including Sharaf DG, AED 350 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online spend including sharafdg.com, from AED 8,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on all spend up to AED 1,500/month, from AED 25,000 |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Sharaf DG spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
| AED 735 (waivable) | AED 15,000 | EI SmartMiles on all spend including electronics, AED 735 annual fee, from AED 15,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible electronics spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
Emirates Islamic Cashback Credit Card
Annual feeAED 367.50
Min. salaryAED 5,000
Highlight5% cashback on electronics and telecom spend including Sharaf DG, AED 350 annual fee, from AED 5,000
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on online spend including sharafdg.com, from AED 8,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on all spend up to AED 1,500/month, from AED 25,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible Sharaf DG spend, no separate card annual fee, qualifying plan required, from AED 5,000
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735 (waivable)
Min. salaryAED 15,000
HighlightEI SmartMiles on all spend including electronics, AED 735 annual fee, from AED 15,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED on eligible electronics spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000
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.
4.1/5
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
3.9/5
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
Why use a credit card at Sharaf DG
1.
Electronics category cards earn at Sharaf DG's core products
Emirates Islamic Cashback earns 5% specifically on electronics and telecom — the primary categories at Sharaf DG. This is the most targeted earn structure for electronics retail.
2.
Online orders qualify for 10% cashback
SIB Cashback earns 10% on all online purchases. Orders placed via sharafdg.com earn the full 10% up to the AED 300/month cap.
3.
High-value electronics purchases amplify cashback
Electronics at Sharaf DG often carry high price points — laptops, TVs, smartphones. A 3–5% cashback rate on a AED 3,000–5,000 purchase returns AED 90–250 in real value.
How to choose the right card for Sharaf DG
1.
Electronics-first spender: EI Cashback's dedicated category is best
5% on electronics and telecom directly targets Sharaf DG's product range. If electronics represent a significant share of your monthly spend, this is the most rewarding structure.
2.
Online buyer: SIB Cashback at 10% beats the category rate above the AED 3,000 mark
SIB's 10% online rate beats EI Cashback's 5% for online orders. For orders above ~AED 3,000 on sharafdg.com, SIB earns more total cashback before the AED 300 cap is reached.
8 cards in the UAE
EMIRATES ISLAMIC
Emirates Islamic Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 367.50
- 5% Cashback on telecom
- 5% Cashback on electronics
- Up to 1% cashback on all local and international spends
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
3.9/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Credit Cards for Sharaf DG UAE
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