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CashbackVisa
Emirates Islamic
Barça Cashback Credit Card
IslamicNo salary transfer needed
Min. salary
–Not published in the catalogue yet; it is not zero.
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
- –Not published in the catalogue yet; it is not zero.
- 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.
- 4% cashback on supermarkets (UAE), dining, fuel (UAE) and sports spends, capped at AED 100 per category per month
- Up to 2% cashback on international spends (no cap); up to 1% on other domestic spends (no cap)
- 0.25% on EEA/UK spends and on automobiles, insurance, education, real estate, telecom and utilities
- Minimum spend of AED 1,000 per month required to qualify for the cashback program; 1 cashback point = AED 1
- Exclusive FC Barcelona experiences: Camp Nou match tickets, signed merchandise and fan experiences
- Access to 1,200+ airport lounges worldwide for you and one guest via Visa Airport Companion
- Up to 2 complimentary Marhaba Silver (Dubai) or Salam (Abu Dhabi) Meet & Greet services per year
- 2 complimentary valet parking services per month at select UAE locations
- Up to 2 Buy-1-Get-1 Reel Cinemas tickets per month (AED 3,000 minimum monthly spend on the card)
- Up to 4 free supplementary cards; cashback credited within 15 days, expires after 2 years
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.