Al Islami Super Saver Card
IslamicNo salary transfer needed
Free for the first year; from year 2 the fee is waived on achieving the bank's minimum annual spend target (target amount not published on the card page)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 420
- Fee note
- Free for the first year; from year 2 the fee is waived on achieving the bank's minimum annual spend target (target amount not published on the card page)
- Monthly rate
- 3.45%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.2%
- 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.
What you get.
- Up to 10% cashback on B.E.S.T categories: Bills (telecom/utility), Education (schools, colleges, universities), Supermarket and Transport (fuel); 10% per category capped at a fixed AED amount
- 50% off movie tickets at Novo, Reel & VOX cinemas
- Complimentary valet parking service at 30 locations across the UAE
- Complimentary access to over 1,000 airport lounges (first lounge visit in the calendar year complimentary)
- Multi-trip travel insurance for cardholder and family, 90 days from date of travel, up to USD 500,000
- Purchase protection and extended warranty (doubles the original manufacturer's warranty up to 1 year)
- Up to 12% discount at Agoda.com and up to 8% at Hotels.com
- 2-for-1 offers via the Xperience app with the ENTERTAINER powered by Visa
- Emaar attractions: 20% off KidZania, E-Kart Zabeel, Dubai Aquarium Penguin Cove, The Storm Coaster, Dubai Ice Rink and Zabeel Sports District; bonus credits at Play DXB
- 0% Easy Payment Plan, Balance Transfer and Quick Cash available
- Supplementary cards free for life (family members aged above 15)
- Sharia-compliant Murabaha financing structure with Special Wakala Savings Account (monthly expected profit rate 3.45%)
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.