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Cashback
Emirates Islamic
Cashback Credit Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 367.5
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%
No standard waiver
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 367.5
- Fee note
- No standard waiver
- 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% guaranteed cashback on telecom expenses
- 5% guaranteed cashback on electronic store purchases
- Up to 1% cashback on all other local and international transactions
- No minimum spend criteria for earning cashback
- Cashback categories have maximum monthly caps
- Balance transfer facility: 0% profit rate for 6 months on balances from other banks
- Cashback redemption via Online/Mobile Banking
- Up to 12% off Agoda hotels and other Visa card offers
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.