Emirates Islamic Cashback Plus Card
The Emirates Islamic Cashback Plus is a Sharia-compliant card delivering generous cashback on supermarkets, dining and fuel with no annual fee and complimentary lounge access.
Why it ranks
- Sharia-compliant structure
- High dining cashback rate
- No annual fee with lounge access
What holds it back
- Cashback is subject to monthly caps
- Foreign currency markup on overseas spend
- Top rates may require a minimum spend
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Emirates Islamic Cashback Plus is a Sharia-compliant card delivering generous cashback on supermarkets, dining and fuel with no annual fee and complimentary lounge access.
Emirates Islamic Cashback Plus Card at a glance
| Issuer | Emirates Islamic |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Welcome cashback offer for new cardholders |
| Rewards rate | Up to 10% on dining, with strong supermarket and fuel rates |
| Intro APR | Not applicable (profit rate applies under Islamic finance) |
| Regular APR | Approx. 3.45% monthly profit rate on outstanding balances |
| Foreign transaction fee | Foreign currency markup applies (approx. 2.99%) |
| Credit needed | Stable income, UAE residency |
| Best for | Customers wanting Sharia-compliant cashback |
| Airport lounge access | Yes |
Rewards & benefits
- Up to 10% cashback on dining
- Strong cashback on supermarkets and fuel
- No annual fee
- Complimentary airport lounge visits
Eligibility & who it suits
- UAE resident with valid Emirates ID
- Minimum salary of approximately AED 5,000 per month
- Stable, verifiable income
- Pass Emirates Islamic credit assessment
How to apply
Check current rates on Emirates Islamic’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UAE cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | EIEmirates IslamicCashback PlusNo annual fee · AE Emirates Islamic Cashback Plus CardCustomers wanting Sharia-compliant cashback |
None | Up to 10% on dining, with strong supermarket and fuel rates | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency | |
| 2 | ADAbu Dhabi Commercial Bank (ADCB)ADCB 365 CashbackAED 383.25/yr · AE ADCB 365 Cashback Credit CardDining, fuel and grocery spenders who put AED 5,000+ a month on one card |
AED 383.25/yr | 6% dining (incl. online orders), 5% fuel and Salik, 5% home digital entertainmen… | See issuer for the current offer | See issuer | Minimum monthly salary AED 5,000… | |
| 3 | MMashreq BankMashreq CashbackNo annual fee · AE Mashreq Cashback Credit CardEveryday spenders wanting fee-free cashback |
None | 5% on dining, 1% on other spends in the UAE and abroad | Welcome cashback offer for new cardholders | 2.89% spread on internatio… | Stable income, UAE residency | |
| 4 | FAFirst Abu Dhabi Bank (FAB)FAB CashbackAED 300/yr · AE FAB Cashback Credit CardHouseholds wanting fee-free cashback on essentials |
AED 300/yr | 5% on dining, groceries and fashion, 3% on international spends, 1% elsewhere | Welcome cashback offer for new cardholders | Foreign currency markup ap… | Stable income, UAE residency |
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