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Co-brand rewardsMastercard
Emirates Islamic
Amazon World Credit Card
IslamicNo salary transfer needed
Min. salary
AED 15,000
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 15,000
- 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.
- Welcome bonus up to AED 500 Amazon Reward Points (AED 250 on AED 10,000 retail + AED 250 on AED 2,500 FX spends within 60 days; AED 200 for non-Prime)
- Up to 6% back on Amazon.ae spend for Prime members (up to 3% non-Prime), unlimited
- Up to 2.5% back on international spend (up to 1% non-Prime); up to 2% on domestic off-Amazon spend (up to 1% non-Prime)
- 8 complimentary visits per calendar year to 1,300+ airport lounges via Mastercard Travel Pass; each qualifying transaction unlocks 3 months of lounge access (guests USD 32)
- 2 complimentary golf rounds per month at Arabian Ranches, Jebel Ali or Abu Dhabi Golf Club (minimum monthly spend applies)
- 1 complimentary valet parking service per month at select UAE locations
- Up to 2 Buy-1-Get-1 Reel Cinemas tickets per month with AED 3,000 minimum monthly retail spend
- Travel medical insurance plus personal accident cover up to USD 500,000 (Mastercard World)
- Up to AED 40 off one Carrefour online order per month (min AED 250 spend); 20% off 1 talabat order per month
- 0% Easy Payment Plan on Amazon purchases (3/6 months no fee); up to 35% off Avis car rentals
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.