Looking for a credit card that rewards you for everyday spending? Look no further than Emirates Islamic Cashback Credit Cards! 

These cards offer a variety of benefits designed to put money back in your pocket, from guaranteed cashback on specific categories to flexible redemption options.  

In this blog, we’ll explore the key features and advantages of the Emirates Islamic Cashback Credit Card, helping you decide which card fits your financial goals.

About Emirates Islamic Cashback Credit Card

Emirates Islamic Cashback Credit Card


Earn cashback on every swipe!

The Emirates Islamic Cashback Credit Card boasts a rewarding program that puts money back in your pocket with every purchase. Here’s what makes it so attractive:

  • Guaranteed Cashback: Enjoy 5% cashback on all your telecommunication expenses and electronic purchases.
  • Everyday Rewards: Earn up to 1% cashback on every local and international transaction, regardless of the amount.
  • No Minimum Spend: Start earning cashback rewards from your very first purchase. There’s no need to meet a spending threshold to qualify.

More Than Just Cashback: Enjoy Added Perks!

The Emirates Islamic Cashback Credit Card goes beyond just rewarding your spending.  It offers a range of benefits to enhance your lifestyle:

Extended Warranty

Shop with confidence! Get double the manufacturer’s warranty on your purchases for up to a year (visit https://km.visamiddleeast.com/ for details).

Movie Night Made Easy

Enjoy up to 2 complimentary “Buy 1 Get 1” movie tickets each month at Reel Cinemas, perfect for a fun night out!  Here’s what to know:

  • Minimum Spend: To qualify for the free tickets, you’ll need to spend at least AED 3,000 on your card in a calendar month.
  • Ticket Limit: This offer grants a maximum of 2 free tickets per month. If you exceed this limit, you’ll be charged for the additional tickets.
  • Any Day is Movie Day: No blackout dates! Enjoy this benefit any day of the week.

Unlock Luxury Travel

Transform your travels with exclusive access to over 900 hand-picked luxury hotels and resorts worldwide. The Emirates Islamic Cashback Credit Card grants you entry to a curated collection that boasts:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Complimentary in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher

Purchase Protection

Have peace of mind knowing your purchases are covered for theft or accidental damage within a certain timeframe from the date of purchase. This protection extends up to $5,000 per incident and $20,000 per year.

Unlock More with a Visa!

Enjoy dining, beauty, and fitness experiences for less with exclusive 2-for-1 deals from Visa. Download the new experience with the ENTERTAINER app to discover your favourite spots and start saving!

Emaar Entertainment Attractions

Save big on thrills and family fun at Emaar Entertainment Attractions! Get 20% off your next visit to exciting destinations like:

Access Cash on Demand with Cash on Call

Need immediate cash? The Cash on Call feature allows you to withdraw up to 80% of your available credit limit directly as cash. This is a convenient option for unexpected expenses or emergencies.

Save on Existing Debt with a Balance Transfer

Struggling with high-interest credit cards from other banks?

Transfer your outstanding balance to the Emirates Islamic Cashback Credit Card and enjoy a 0% profit rate for 6 months. This can significantly reduce your interest payments and help you pay down your debt faster. 

Note: There might be a processing fee associated with the transfer.

Spread Out Payments with the Easy Payment Plan

Love to shop but hate the upfront cost? The Easy Payment Plan allows you to split purchases at partner stores like Carrefour and Sharaf DG into convenient 0% interest instalments for 3, 6, 9, or even 12 months. 

This helps with budgeting and makes larger purchases more manageable.

How to Redeem Your Cashback

To quickly redeem your cashback points, you have two convenient options: Online Banking or our Mobile Banking app. Just follow these simple steps:

  1. Log in to your Emirates Islamic account using either Online Banking or the Mobile Banking app.
  2. Navigate to the ‘Cards’ section.
  3. Locate and click on ‘Rewards’.
  4. Choose ‘Redemption’ and proceed to submit your request.

By following these steps, you can effortlessly redeem your cashback points in a matter of seconds.

How to Apply for Emirates Islamic Cashback Credit Card

To apply for a cashback card, follow these steps:

  1. Visit the website or click here to start your cashback card application.
  2. Fill out the application form with the required information, including your first name, last name, mobile number, and email address.
  3. Select your country (in this case, “Emirates”) from the provided options.
  4. Provide your company name and monthly income in AED (United Arab Emirates Dirham).
  5. Read and agree to the Terms and Conditions before submitting your application.
  6. Click on the “Submit” button to send your application.
  7. Wait for a team member to contact you personally regarding your application.

Important Information You Need to Know Before Applying

Here’s a breakdown of some key charges associated with your Emirates Islamic Cashback Credit Card:

  • Interest: Cash withdrawals and partial payments accrue daily interest at a rate of 3.49% per month.
  • Minimum Payment: Ensure you make at least the minimum payment on your monthly statement by the due date. Please do so to avoid a late payment fee of AED 225.
  • Payment Options: Set up a direct debit for automatic payments or make manual payments through various channels (check the bank’s website for details and processing times).
  • Cash Advance Fees: Withdrawing cash using your credit card incurs a Cash Advance Fee of 3% of the amount or AED 99 (whichever is higher), on top of regular interest charges.
  • Over Limit Fee: Exceeding your credit limit triggers a one-time over-limit fee of AED 249 on your monthly statement until you fall back within the limit.
  • Foreign Transaction Fees: International transactions or those in currencies other than AED incur a foreign transaction fee of up to 2.34% on top of the standard processing fee by Mastercard or Visa. The exchange rate is determined by Mastercard or Visa based on market rates.
  • Card Takaful (Optional): You’re automatically enrolled in a complimentary “Credit Shield” program for the first two months. This covers your outstanding balance in case of unforeseen events, but a 0.99% monthly premium applies after the initial period.
  • Late Payment Consequences: Non-payment of your monthly dues can block your card, negatively impacting your credit score and future ability to obtain loans. The bank may also take legal action to recover any outstanding amount.
  • VAT Note: All fees listed exclude 5% Value Added Tax (VAT), where applicable.


Can I withdraw cash with my card?

Yes! You have two ways to access cash:

  • Emirates Islamic Branches: Visit any Emirates Islamic branch for a convenient withdrawal option, especially if you’re located near one.
  • Global ATMs: Withdraw cash from a massive network of over 780,000 ATMs worldwide displaying the VISA logo. Keep in mind there’s a nominal fee for ATM withdrawals.

Can I avail of supplementary cards with this card?

Yes, you can get up to 4 supplementary cards for your family members. They can take advantage of discounts available on your primary card. They will also earn reward points on every Dirham spent using their supplementary card.

Is the card Shariah-compliant?

Yes, the Emirates Islamic cashback card is fully compliant with Shariah principles.

Are there transactions that do not earn cash back?

Yes, there are certain transactions that do not earn cash back on your card. The following transactions are not eligible for cashback:

  • Balance transfers
  • Cash advances
  • Fees and charges

Do cashback points expire?

Yes, cash-back points expire after two years from the date of earn.

About Author

Hanna Rico

About Author

Hanna Mae Rico is a skilled content writer. With a bachelor's degree in English Language Studies, Hanna has spent over three years working in the digital marketing industry. Her versatility shines through her ability to captivate audiences with lifestyle, travel, and other engaging topics. Her love of written words and her innate ability to transport readers to different places make her a true wordsmith.