Islamic Visa Infinite Credit Card
IslamicNo salary transfer needed
Free for life (NBF Islamic Schedule of Charges note: AED 750 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 750 annual fee is waived till the relevant segment eligibility is maintained)
- Monthly rate
- 2.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 34.3%
- Minimum salary
- AED 40,000
- 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, up to AED 150 each month
- Complimentary access to over 1,200 airport lounges worldwide via the Visa Airport Companion app
- Complimentary multi-trip domestic and international travel insurance for up to 90 days when travel is booked on the card
- 24/7 concierge for travel bookings, event reservations and gift deliveries (toll-free 800 0441 3487)
- 0% instalment plans with repayment terms starting from 3 months
- EZ Draft: up to 70% of the credit limit as cash transferred to your account
- Extended warranty: up to double the manufacturer's coverage on eligible purchases
- NBF Rewards points on everyday spending, redeemable via the NBF Rewards App
- 3 free supplementary cards (AED 250 from the fourth card onwards)
- Up to 50 profit-free days; Shari'ah compliant (Commodity Murabaha); 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.