Islamic Platinum Credit Card
IslamicNo salary transfer needed
Free for life (NBF Islamic Schedule of Charges note: AED 250 annual fee is waived till the relevant segment eligibility is maintained)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life (NBF Islamic Schedule of Charges note: AED 250 annual fee is waived till the relevant segment eligibility is maintained)
- Monthly rate
- 2.99%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 42.4%
- Minimum salary
- AED 9,000
- 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.
- 10% cashback on all dining spends, capped at AED 150 per month, no activation required
- NBF Rewards points on everyday card usage, redeemable via the NBF Rewards App for travel, shopping and dining
- 0% instalment plans: convert purchases into monthly payments with profit rates as low as 0%
- EZ Draft: withdraw up to 70% of the credit limit as cash to your account
- Cash withdrawal up to 40% of the credit limit at over 840,000 ATMs worldwide
- 2 free supplementary cards (KFS: AED 100 from the fourth card onwards)
- Up to 50 profit-free days, subject to full payment
- Shari'ah compliant, based on Commodity Murabaha; Chip & PIN with Visa payWave tap-to-pay up to AED 300
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.