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Cashback
Al Hilal Bank
Cashback Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 5% cashback on two spend categories of your choice from Grocery, Education, Fuel, International spends and Dining
- 5% tier applies only when total retail spend in the calendar month exceeds AED 8,000; 3% at AED 3,000.01-8,000; 1% below AED 3,000
- 1% cashback on all other retail transactions (0% on government MCCs and utility bill payments made via the app)
- Cashback capped at AED 250 per month per chosen category and AED 500 total per month
- Purchases at merchants in the European Economic Area earn 1% regardless of chosen category
- Unlimited complimentary airport lounge access to over 25 Lounge Key, Marhaba and CAC lounges worldwide
- Buy-one-get-one-free offers on dining, premium spas and leisure activities
- Up to 30% Cleartrip travel discount (up to USD 200), 10% cashback on Booking.com, 15% off IHG 'Best Available Rate'
- Car rental: 10% off Rentalcars.com, up to 20% off Avis with complimentary upgrade, up to 10% off Budget
- Mastercard Purchase Protection against theft/accident for 180 days
- Up to 3 supplementary cards free (AED 105 from the 4th card)
- Change of preferred cashback categories free twice a year (AED 25 from the 3rd change in a year)
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.