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Islamic Credit Cards

480 cards · 80 issuers · 14 countries

Every Islamic credit card we have verified

Filter by the contract the card is built on, not just the rewards. That is the part that decides whether it is Shariah-compliant, and it is the part everyone else leaves out.

Country

Shariah contract

480 cards

aafaq Islamic Finance

Aafaq Platinum Credit Card

AED 250 welcome bonus, 2% AIF Rewards on international spend, free for life

Annual fee
No annual fee
Profit rate
3.99% /mo
Minimum income
AED 8,000 a month
Structure
Murabahah
Mixed rewards

Full breakdown

aafaq Islamic Finance

Aafaq Titanium Credit Card

No rewards programme — the Titanium card is positioned on 0% balance transfer and instalment plans

Annual fee
AED 200
Profit rate
3.99% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah

Full breakdown

aafaq Islamic Finance

Aafaq World Elite Credit Card

5% AIF Rewards on online and dining, 3% on international spend, plus a 20% cashback welcome offer

Annual fee
AED 1,000
Profit rate
3.99% /mo
Minimum income
AED 20,000 a month
Structure
Murabahah
Mixed rewards

Full breakdown

ADCB Islamic Banking

ADCB Emirati Islamic Card

7% cashback across seven categories, up to AED 1,500 a month, for UAE nationals only

Annual fee
AED 945
Profit rate
3.69% /mo
Minimum income
AED 8,000 a month
Structure
Murabahah
Cashback

Full breakdown

ADCB Islamic Banking

Islamic 365 Cashback Card

6% cashback on dining, 5% on fuel and Salik, 3% on groceries; up to AED 1,000 a month

Annual fee
AED 383.25
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Cashback

Full breakdown

ADCB Islamic Banking

Shukran ADCB Islamic Card

10% back as Shukrans at Landmark Group brands, up to AED 1,200 welcome bonus

Annual fee
AED 262.50
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

ADCB Islamic Banking

TouchPoints Gold Credit Card

Up to 0.5 TouchPoints per AED 1 spent, on a no-annual-fee card

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

ADCB Islamic Banking

TouchPoints Infinite Credit Card

Up to 1.5 TouchPoints per AED 1 spent plus an AED 1,200 Expedia stay voucher

Annual fee
AED 1,050
Profit rate
3.69% /mo
Minimum income
AED 30,000 a month
Structure
Murabahah
Reward points

Full breakdown

ADCB Islamic Banking

TouchPoints Platinum Credit Card

Up to 1 TouchPoint per AED 1 spent, plus 10,000 bonus TouchPoints on AED 10,000 monthly spend

Annual fee
AED 630
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

ADCB Islamic Banking

talabat ADCB Islamic Card

35% back as talabat credit on the first 10 talabat orders each month, and free for life

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Cashback

Full breakdown

Abu Dhabi Islamic Bank

Booking.com Visa Signature Card

10% off Booking.com Genius hotel bookings plus 2.5 Exceed Rewards per AED 100 on airline spend

Annual fee
AED 299
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Mixed rewards

Full breakdown

Abu Dhabi Islamic Bank

Cashback Visa Covered Card

4% cashback across five everyday categories, capped at AED 1,000 a month in total

Annual fee
AED 99
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Cashback

Full breakdown

Abu Dhabi Islamic Bank

Emirates Skywards Visa Infinite Card

Up to 3 Skywards Miles per AED 3.68 spent, plus up to 50,000 bonus Miles and Gold tier fast track

Annual fee
AED 4,500
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Air miles

Full breakdown

Abu Dhabi Islamic Bank

Emirates Skywards Visa Signature Card

Up to 2.5 Skywards Miles per AED 3.68 spent, plus up to 25,000 bonus Miles and Silver tier

Annual fee
AED 1,500
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Air miles

Full breakdown

Abu Dhabi Islamic Bank

Etihad Guest Visa Gold Card

Up to 1.5 Etihad Guest Miles per AED 4 spent, plus a 35,000-mile welcome bonus

Annual fee
AED 1,000
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Air miles

Full breakdown

Abu Dhabi Islamic Bank

Etihad Guest Visa Infinite Card

Up to 3.5 Etihad Guest Miles per AED 4 spent, plus a welcome bonus of up to 100,000 Miles

Annual fee
AED 3,000
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Air miles

Full breakdown

Abu Dhabi Islamic Bank

Etihad Guest Visa Platinum Card

Up to 3 Etihad Guest Miles per AED 4 spent, plus a 50,000-mile welcome bonus

Annual fee
AED 2,000
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Air miles

Full breakdown

Abu Dhabi Islamic Bank

Exceed Visa Covered Card

0.5 Exceed Rewards per AED 100 spent in the UAE, 1.0 internationally

Annual fee
AED 99
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Abu Dhabi Islamic Bank

Exceed Visa Platinum Covered Card

0.5 Exceed Rewards per AED 100 in the UAE, 1.5 internationally, plus 2 lounge visits a year

Annual fee
AED 199
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Abu Dhabi Islamic Bank

Marriott Bonvoy ADIB Visa Infinite Covered Card

Annual fee
AED 2,500
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah

Full breakdown

Abu Dhabi Islamic Bank

Marriott Bonvoy ADIB Visa Signature Covered Card

Annual fee
AED 499
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah

Full breakdown

Abu Dhabi Islamic Bank

SHARE Visa Infinite Card

Up to 6% back in SHARE Points at Carrefour and Majid Al Futtaim (12% for the first 3 months), 2% on everything else

Annual fee
AED 999
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Abu Dhabi Islamic Bank

SHARE Visa Platinum Card

Up to 3% back in SHARE Points at Carrefour and Majid Al Futtaim (6% for the first 3 months), 1.25% on everything else

Annual fee
AED 199
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Abu Dhabi Islamic Bank

Smiles Classic Card

4 Smiles points per AED 5 spent locally, 12 per AED 5 in the Smiles app, no annual fee

Annual fee
No annual fee
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Abu Dhabi Islamic Bank

Smiles Visa Signature Card

10 Smiles points per AED 5 spent locally, 30 per AED 5 in the Smiles app, 70,000 on sign-up

Annual fee
AED 1,199
Profit rate
3.75% /mo
Minimum income
AED 20,000 a month
Structure
Murabahah
Reward points

Full breakdown

Ajman Bank

BRight Platinum Credit Card

10,000 upfront BRight Rewards, 0% foreign transaction fee, up to 1.5 Rewards per AED 10

Annual fee
AED 1,000
Profit rate
3.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Ajman Bank

BRight Titanium Credit Card

Up to 1 BRight Reward for every AED 10 spent, free for life

Annual fee
Free for life
Profit rate
3.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Ajman Bank

BRight World Credit Card

15,000 upfront BRight Rewards, 0% foreign transaction fee, 2.5 Rewards per AED 10

Annual fee
AED 1,500
Profit rate
3.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Ajman Bank

LIFE Cashback Credit Card (Platinum)

50% cashback on refreshments and snacks, 10% on noon/Amazon/Careem — with AED 50 monthly caps

Annual fee
No annual fee
Profit rate
45.6%
Minimum income
AED 10,000 a month
Structure
Murabahah
Cashback

Full breakdown

Ajman Bank

LIFE Cashback Credit Card (World)

50% on refreshments, 10% online, 7% dine-in and 5% on international spend — AED 100 cap per category

Annual fee
AED 600
Profit rate
45.6%
Minimum income
AED 10,000 a month
Structure
Murabahah
Cashback

Full breakdown

Ajman Bank

Power Gold Credit Card

Annual fee
AED 300
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Ajman Bank

Power Platinum Credit Card

Annual fee
AED 400
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Ajman Bank

Power World Credit Card

Annual fee
AED 500
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Ajman Bank

Roadmiles Classic Credit Card

Annual fee
AED 200
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Air miles

Full breakdown

Ajman Bank

Roadmiles Platinum Credit Card

Annual fee
AED 300
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Air miles

Full breakdown

Ajman Bank

Roadmiles Premium Credit Card

Annual fee
AED 250
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Air miles

Full breakdown

Ajman Bank

ULTRACASH Mastercard Credit Card

Pick 2 of 4 everyday categories and earn up to 10% cashback

Annual fee
AED 500
Profit rate
3.5% /mo
Minimum income
AED 10,000 a month
Structure
Murabahah
Cashback

Full breakdown

CBD Al Islami

Al Islami Infinite Card

Up to 3 reward points per AED of international spend, redeemable for Skywards or Etihad miles

Annual fee
Not published
Profit rate
Not published
Minimum income
AED 15,000 a month
Structure
Not stated
Reward points

Full breakdown

CBD Al Islami

Al Islami Super Saver Credit Card

Up to 10% cashback across four everyday categories, each capped at AED 200 a month

Annual fee
Not published
Profit rate
Not published
Minimum income
AED 5,000 a month
Structure
Not stated
Cashback

Full breakdown

Dubai Islamic Bank

Consumer Cashback Platinum Card

Up to 4% guaranteed cashback on everyday categories, capped AED 1,000 per billing cycle

Annual fee
AED 261.45
Profit rate
3.69% /mo
Minimum income
AED 15,000 a month
Structure
Salam
Cashback

Full breakdown

Dubai Islamic Bank

Consumer Cashback Reward Card

Up to 3% guaranteed cashback on everyday categories, capped AED 1,000 per billing cycle

Annual fee
AED 210
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Salam
Cashback

Full breakdown

Dubai Islamic Bank

DIB SHAMS Infinite Covered Card

5% back on dining and 5% back on travel as Wala'a rewards, plus 3.5 rewards per AED 1 on domestic spend

Annual fee
AED 733.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

DIB SHAMS Platinum Covered Card

5% back on dining and travel as Wala'a rewards, plus 1.5 rewards per AED 1 on domestic spend

Annual fee
AED 208.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

DIB SHAMS Signature Covered Card

5% back on dining and travel as Wala'a rewards, plus 2.5 rewards per AED 1 on domestic spend

Annual fee
AED 523.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

My Home Covered Card

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Salam

Full breakdown

Dubai Islamic Bank

Prime Classic Card

0.5 Wala'a Rewards per AED 1 domestic and 0.8 per AED equivalent in foreign currency, with no annual fee

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

Prime Gold Card

0.6 Wala'a Rewards per AED 1 domestic and 1.0 per AED equivalent in foreign currency, with no annual fee

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

Prime Infinite Card

3.0 Wala'a Rewards per AED 1 domestic and 3.5 per AED equivalent in foreign currency, with no annual fee

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 20,000 a month
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

Prime Platinum Card

2.0 Wala'a Rewards per AED 1 domestic and 2.2 per AED equivalent in foreign currency, with no annual fee

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

Prime Signature Card

2.5 Wala'a Rewards per AED 1 domestic and 3.0 per AED equivalent in foreign currency, with no annual fee

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 15,000 a month
Structure
Salam
Reward points

Full breakdown

Dubai Islamic Bank

The Emirates Skywards DIB Infinite Covered Card

Earn up to 75,000 bonus Skywards Miles and up to 2 Miles per USD on Emirates spend

Annual fee
AED 2,625
Profit rate
3.69% /mo
Minimum income
AED 20,000 a month
Structure
Salam
Air miles

Full breakdown

Dubai Islamic Bank

The Emirates Skywards DIB Platinum Covered Card

Earn up to 5,000 bonus Skywards Miles and 1 Mile per USD on Emirates spend

Annual fee
AED 525
Profit rate
3.69% /mo
Minimum income
AED 10,000 a month
Structure
Salam
Air miles

Full breakdown

Dubai Islamic Bank

The Emirates Skywards DIB Signature Covered Card

Earn up to 30,000 bonus Skywards Miles and 1.5 Miles per USD on Emirates spend

Annual fee
AED 1,575
Profit rate
3.69% /mo
Minimum income
AED 15,000 a month
Structure
Salam
Air miles

Full breakdown

Emirates Islamic

Amazon Platinum Credit Card

Up to 6% back in Amazon Reward Points, with no earning limit

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Emirates Islamic

Amazon World Credit Card

Up to 6% back in Amazon Reward Points, with no earning limit

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
AED 15,000 a month
Structure
Murabahah
Reward points

Full breakdown

Emirates Islamic

Barça Cashback Card

Up to 4% cashback on supermarkets, dining, fuel and sports

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Emirates Islamic

Cashback Card

5% guaranteed cashback on telecom and electronics, with no minimum spend

Annual fee
AED 367.50
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Emirates Islamic

Cashback Plus Card

Up to 10% cashback on supermarkets, education, dining and telecom

Annual fee
AED 313.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Emirates Islamic

Emarati Credit Card

Up to 3.75% back in EI SmartMiles, exclusively for UAE Nationals

Annual fee
No Annual Membership Fee.
Profit rate
3.59% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Etihad Guest Ameera Card

Women-only Etihad card: up to 3 Miles per USD 1, a 20,000-Mile welcome bonus and a fast track to Silver Tier

Annual fee
AED 733.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Etihad Guest Platinum Card

Up to 2 Etihad Guest Miles per USD 1, including on online and mobile-wallet transactions

Annual fee
AED 208.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Etihad Guest Premium Card

Up to 3.5 Etihad Guest Miles per USD 1, plus a 55,000-Mile welcome bonus and a fast track to Gold Tier

Annual fee
AED 1,575
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Etihad Guest Saqer Card

Up to 3 Etihad Guest Miles per USD 1, a 30,000-Mile welcome bonus and a fast track to Silver Tier

Annual fee
AED 943.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Flex Credit Card

Up to 2.25 EI SmartMiles per AED 1 spent, redeemable instantly anywhere

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Flex Elite Card

Up to 3.75% back in EI SmartMiles plus unlimited lounge access for you and a guest

Annual fee
AED 735
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

RTA Credit Card

10% cashback on RTA transport payments and fuel, on a card with a built-in nol chip

Annual fee
No annual fee
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Emirates Islamic

Skywards Black Card

Up to 3.5 Skywards Miles per USD spent, plus a fast track to Emirates Skywards Gold

Annual fee
AED 5,775
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Skywards Gold Credit Card

A flat 0.40 Skywards Miles per USD 1, and zero on every demoted category

Annual fee
AED 420
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Air miles

Full breakdown

Emirates Islamic

Skywards Infinite Card

Up to 2 Skywards Miles per USD spent, with automatic Emirates Skywards Silver status

Annual fee
AED 2,100
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Skywards Platinum Credit Card

1 Skywards Mile per USD 1 on Emirates/flydubai spend

Annual fee
AED 735
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Air miles

Full breakdown

Emirates Islamic

Skywards Signature Card

Up to 1.5 Skywards Miles per USD spent

Annual fee
AED 735
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Emirates Islamic

Switch Cashback Card

Up to 8% cashback, switchable each month between a Lifestyle and a Travel category set

Annual fee
AED 313.95
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

FAB Islamic

Blue FAB Islamic Credit Card

10% cashback as Al-Futtaim FAB Rewards at Al-Futtaim retail brands

Annual fee
AED 300
Profit rate
3.99% /mo
Minimum income
AED 15,000 a month
Structure
Murabahah
Cashback

Full breakdown

FAB Islamic

Etihad Guest Infinite Islamic Credit Card

55,000 welcome Etihad Guest Miles and up to 7 miles per AED 10 spent

Annual fee
AED 2,500
Profit rate
3.99% /mo
Minimum income
AED 30,000 a month
Structure
Murabahah
Air miles

Full breakdown

FAB Islamic

Etihad Guest Platinum Islamic Credit Card

10,000 welcome Etihad Guest Miles and up to 4 miles per AED 10 spent

Annual fee
AED 500
Profit rate
3.99% /mo
Minimum income
AED 8,000 a month
Structure
Murabahah
Air miles

Full breakdown

FAB Islamic

Etihad Guest Signature Islamic Credit Card

35,000 welcome Etihad Guest Miles and up to 5.5 miles per AED 10 spent

Annual fee
AED 1,500
Profit rate
3.99% /mo
Minimum income
AED 15,000 a month
Structure
Murabahah
Air miles

Full breakdown

FAB Islamic

FAB Cashback Islamic Credit Card

Up to 5% cashback on groceries, fuel and dining; up to AED 1,500 cashback a month

Annual fee
AED 300
Profit rate
3.99% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Cashback

Full breakdown

FAB Islamic

FAB Emirati Islamic Credit Card

Up to 15 FAB Islamic Rewards per AED 1 spent, exclusively for UAE nationals

Annual fee
AED 600
Profit rate
3.99% /mo
Minimum income
AED 15,000 a month
Structure
Murabahah
Reward points

Full breakdown

Mashreq Al Islami

MAI Cashback Credit Card

Up to 5% cashback on dining, and free for life

Annual fee
No annual fee
Profit rate
46.2%
Minimum income
AED 5,000 a month
Structure
Tawarruq
Cashback

Full breakdown

Mashreq Al Islami

MAI Emirati Solitaire Credit Card

Up to 5 Mashreq Vantage points per AED on international spend, at the lowest profit rate in the range

Annual fee
Not published
Profit rate
29.4%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Mashreq Al Islami

MAI Platinum Elite Credit Card

6 Mashreq Vantage points per AED of spend, with free worldwide lounge access

Annual fee
No annual fee
Profit rate
46.2%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

RAKislamic

Gold Credit Card

Annual fee
No annual fee
Profit rate
3.45% /mo
Minimum income
Not published
Structure
Murabahah

Full breakdown

RAKislamic

My Ras Al Khaimah Platinum Credit Card

Up to 3.75 RAKrewards per AED 1 internationally, with boosted fuel and cinema earn

Annual fee
No annual fee
Profit rate
2.75% /mo
Minimum income
AED 8,000 a month
Structure
Murabahah
Reward points

Full breakdown

RAKislamic

RAKislamic Platinum Credit Card

Up to 3.75 RAKrewards per AED 1 on domestic and international spend

Annual fee
No annual fee
Profit rate
3.45% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

RAKislamic

RAKislamic World Credit Card

Up to 6.25 RAKrewards for every AED 1 spent

Annual fee
No annual fee
Profit rate
3.65% /mo
Minimum income
AED 20,000 a month
Structure
Murabahah
Reward points

Full breakdown

RAKislamic

Watani Credit Card

100% cashback on Salik and DARB road tolls, plus RAKrewards points

Annual fee
No annual fee
Profit rate
2.75% /mo
Minimum income
AED 15,000 a month
Structure
Murabahah
Mixed rewards

Full breakdown

Sharjah Islamic Bank

Cashback Covered Card (Titanium)

10% cashback on online and digital-wallet spend, capped at AED 300 a month

Annual fee
AED 199
Profit rate
3.49% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Cashback

Full breakdown

Sharjah Islamic Bank

Smiles Excellence World Covered Card

3 Smiles per AED 2 spent internationally, 1.5 Smiles per AED 2 locally, with 8 complimentary lounge visits

Annual fee
No annual fee
Profit rate
2.49% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Sharjah Islamic Bank

Smiles Titanium Covered Card

2 Smiles per AED 2 spent internationally, 1 Smiles per AED 2 locally

Annual fee
Free for life
Profit rate
2.49% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Sharjah Islamic Bank

Smiles Visa Platinum Covered Card

2 Smiles per AED 2 spent internationally, 1 Smiles per AED 2 locally, free for life

Annual fee
Free
Profit rate
3.49% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Sharjah Islamic Bank

Smiles World Covered Card

3 Smiles per AED 2 spent internationally, 1.5 Smiles per AED 2 locally, plus 50,000 bonus Smiles

Annual fee
AED 525
Profit rate
2.49% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Sharjah Islamic Bank

Smiles World Elite Covered Card

3 Smiles per AED 2 spent internationally, 1.5 Smiles per AED 2 locally, on SIB's top tier

Annual fee
AED 733.95
Profit rate
2.49% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Reward points

Full breakdown

Standard Chartered Saadiq

Smart Saadiq Credit Card

Zero fees on the things that usually cost money, plus 360 Rewards points

Annual fee
AED 315
Profit rate
3.69% /mo
Minimum income
AED 8,000 a month
Structure
Murabahah
Reward points

Full breakdown

ruya Community Islamic Bank

ruya Mastercard Cashback Credit Card

A flat 2% cashback on every purchase, capped at AED 500 per billing cycle

Annual fee
AED 313.95
Profit rate
3.5% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Cashback

Full breakdown

Al Hilal Bank

Al Hilal Cashback Credit Card

Pick two categories for up to 5% cashback — but the rate is tiered by your monthly spend

Annual fee
Free
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Al Hilal Bank

Al Hilal Bank World Mastercard Credit Card

Up to 2.9 TouchPoints per AED spent internationally, with an AED 500 joining bonus

Annual fee
AED 787.50
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Al Hilal Bank

Platinum Smart Covered Card

Annual fee
Free for life
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Al Hilal Bank

Mastercard Platinum Credit Card

Annual fee
Free for life
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Al Hilal Bank

Etihad Guest Infinite Credit Card

Annual fee
AED 2,100
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Al Hilal Bank

Etihad Guest Signature Credit Card

Annual fee
AED 1,050
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Al Hilal Bank

Etihad Guest Platinum Credit Card

Annual fee
AED 525
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Islami Bank Bangladesh

Khidmah Gold Card

Discounts at 1,000+ brand outlets and up to 36 months 0% EMI

Annual fee
Tk 1,500
Profit rate
Not published
Minimum income
Tk 20,000 a month
Structure
Ujrah
Mixed rewards

Full breakdown

Islami Bank Bangladesh

Khidmah Platinum Card

Balaka Lounge access, buy-one-get-free five-star buffets, and 36-month 0% EMI

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Tk 70,000 a month
Structure
Ujrah
Mixed rewards

Full breakdown

Islami Bank Bangladesh

Khidmah Mastercard World

The top of the Khidmah range, dual currency, limit up to Tk. 500,000

Annual fee
Tk 7,000
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Mixed rewards

Full breakdown

Islami Bank Bangladesh

Khidmah Priority Platinum Card

Two Balaka Lounge visits a year on a Tk. 500,000 credit limit

Annual fee
Tk 4,000
Profit rate
Not published
Minimum income
Tk 100,000 a month
Structure
Ujrah
Mixed rewards

Full breakdown

Islami Bank Bangladesh

Khidmah VISA Signature Card

Annual fee
Tk 7,000
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Mixed rewards

Full breakdown

EXIM Bank

EXIM Islamic Investment (Credit) Card — VISA Gold

45 days profit-free, plus airport Meet & Greet

Annual fee
Tk 2,000
Profit rate
25%
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

EXIM Bank

EXIM Islamic Investment (Credit) Card — VISA Platinum

45 days profit-free with Meet & Greet and priority service

Annual fee
Tk 5,000
Profit rate
25%
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

EXIM Bank

EXIM Islamic Investment (Credit) Card — VISA Signature

50 days profit-free plus year-round Balaka VIP Lounge access

Annual fee
Tk 8,000
Profit rate
25%
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Social Islami Bank

SIBL Visa Islamic Credit Card (Dual)

Priority Pass for Platinum, Balaka VIP Lounge visits, and 0% instalments up to 24 months

Annual fee
Tk 1,200
Profit rate
2% /mo
Minimum income
Not published
Structure
Not stated
Mixed rewards

Full breakdown

Social Islami Bank

SIBL Visa Islamic Credit Card (Local)

Taka-only Shariah card with 0% instalments and a 51-day profit-free window

Annual fee
Not published
Profit rate
2% /mo
Minimum income
Not published
Structure
Not stated
Mixed rewards

Full breakdown

Global Islami Bank

GIB VISA Gold Dual

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Global Islami Bank

GIB VISA Platinum

Annual fee
Tk 4,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Standard Islami Bank

Tijarah Gold Card

Two complimentary worldwide lounge visits and Visa travel privileges

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Standard Islami Bank

Tijarah Platinum Card

Complimentary Balaka Lounge plus four worldwide LoungeKey visits

Annual fee
Tk 3,500
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Shahjalal Islami Bank

Click! Platinum Card

Free Balaka Lounge access with a guest, up to 8 visits a year

Annual fee
Tk 4,000
Profit rate
24%
Minimum income
Not published
Structure
Wakalah
Mixed rewards

Full breakdown

Shahjalal Islami Bank

Click! Gold Card

Annual fee
Tk 2,000
Profit rate
24%
Minimum income
Not published
Structure
Wakalah
Mixed rewards

Full breakdown

Shahjalal Islami Bank

Click! Classic Card

Annual fee
Tk 1,000
Profit rate
24%
Minimum income
Not published
Structure
Wakalah
Mixed rewards

Full breakdown

Al-Arafah Islami Bank

La-Riba Islamic Credit Card — Silver

First year free, and no annual fee thereafter on 18 transactions a year

Annual fee
Tk 1,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah

Full breakdown

Al-Arafah Islami Bank

La-Riba Islamic Credit Card — Gold

First year free, mid-tier carrying cost of Tk. 1,170 a month

Annual fee
Tk 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah

Full breakdown

Al-Arafah Islami Bank

La-Riba Islamic Credit Card — Platinum

Complimentary Balaka and worldwide airport lounge access, for supplementary holders too

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah

Full breakdown

City Bank (City Islamic)

City Islamic Gold American Express Card

10 MyRewards points per BDT 50 at supermarkets on the first and last weekend of each month

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Reward points

Full breakdown

City Bank (City Islamic)

City Islamic Blue American Express Card

Entry-tier Islamic American Express card with 0% Flexibuy instalments

Annual fee
Tk 1,250
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Reward points

Full breakdown

Prime Bank (Hasanah)

Visa Hasanah Platinum Credit Card

45-day profit-free window and 0% instalments up to 36 months

Annual fee
Tk 5,000
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah

Full breakdown

Prime Bank (Hasanah)

Visa Hasanah Gold Credit Card

Lower-tier Hasanah card with a 45-day profit-free window

Annual fee
Tk 2,500
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah

Full breakdown

Bank Asia (Islamic)

Platinum Islamic Card

Dual-currency Islamic card priced on a banded monthly maintenance fee

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah

Full breakdown

Bank Asia (Islamic)

Gold Islamic Card

Entry Islamic tier at Bank Asia, dual currency

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah

Full breakdown

Southeast Bank (Southeast Tijarah)

Tijarah Islamic Visa Signature

Annual fee
Tk 10,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Southeast Bank (Southeast Tijarah)

Tijarah Islamic Mastercard World

Annual fee
Tk 6,500
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Southeast Bank (Southeast Tijarah)

Tijarah Islamic Visa Platinum

MUKAFA for Sadakah — reward points routed to charity

Annual fee
Tk 6,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Southeast Bank (Southeast Tijarah)

Tijarah Islamic Titanium

Annual fee
Tk 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Southeast Bank (Southeast Tijarah)

Tijarah Islamic Visa Gold

MUKAFA for Sadakah — reward points routed to charity

Annual fee
Tk 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Mutual Trust Bank (MTB Islamic)

MTB Islamic Ujrah Card — Visa Gold

MRewardz points, redeemable against the annual fee itself

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Mutual Trust Bank (MTB Islamic)

MTB Islamic Ujrah Card — Visa Platinum

MRewardz points, redeemable against the annual fee itself

Annual fee
Tk 5,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Mutual Trust Bank (MTB Islamic)

MTB Islamic Ujrah Card — Visa Signature

MRewardz points, redeemable against the annual fee itself

Annual fee
Tk 10,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dhaka Bank (Tayyebah)

Tayyebah Islamic Credit Card (Platinum)

Annual fee
Tk 3,500
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Dhaka Bank (Tayyebah)

Tayyebah MasterCard Credit Card (Titanium)

Annual fee
Tk 3,500
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Standard Chartered Saadiq

Saadiq Visa Platinum Credit Card

Free Priority Pass, 1,200+ lounges, and 1 point per BDT 50 spent

Annual fee
Tk 5,000
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Reward points

Full breakdown

Standard Chartered Saadiq

Saadiq Visa Gold Credit Card

Annual fee
Tk 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah

Full breakdown

Bahrain Islamic Bank

Visa Infinite

BisB Rewards points on every spend, exchangeable for travel, cashback, products and partner programmes

Annual fee
BD 44
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bahrain Islamic Bank

Visa Signature

BisB Rewards points on every spend, plus 12 complimentary airport lounge visits a year

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bahrain Islamic Bank

Visa Platinum

BisB Rewards points plus 6 complimentary lounge visits a year

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bahrain Islamic Bank

Titanium Mastercard

BisB Rewards points plus 8 Mastercard lounge visits a year

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bahrain Islamic Bank

Mastercard Cashback Credit Card

3% cashback on supermarket purchases, 2% on international transactions, 1% on e-commerce

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

Bahrain Islamic Bank

Gold

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Al Salam Bank

Visa Infinite

Al Salam Rewards loyalty points on every banking transaction

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Al Salam Bank

Signature

Al Salam Rewards loyalty points on every banking transaction, plus 12 lounge visits a year

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Al Salam Bank

Platinum

Al Salam Rewards loyalty points on every banking transaction

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Khaleeji Commercial Bank (KHCB)

Infinite Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Bank Islam Brunei Darussalam

Classic Mastercard

Annual fee
B$ 35
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Wakalah

Full breakdown

Bank Islam Brunei Darussalam

Gold Mastercard

Annual fee
B$ 120
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Wakalah

Full breakdown

Bank Islam Brunei Darussalam

Visa Gold

Annual fee
B$ 120
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Wakalah

Full breakdown

Bank Islam Brunei Darussalam

Visa Platinum

Annual fee
B$ 250
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Wakalah

Full breakdown

Bank Islam Brunei Darussalam

World Mastercard

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Wakalah

Full breakdown

Bank Islam Brunei Darussalam

Corporate Credit Card

Annual fee
B$ 50
Profit rate
Not published
Minimum income
Not published
Structure
Wakalah

Full breakdown

DND Finance

Score Mastercard

No rewards. The product's benefit is credit-file building.

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Bank Syariah Indonesia

BSI Hasanah Card Classic

Annual fee
Rp 120,000
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah

Full breakdown

Bank Syariah Indonesia

BSI Hasanah Card Gold

Rp50,000 welcome bonus on first activation and transaction

Annual fee
Rp 240,000
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Cashback

Full breakdown

Bank Syariah Indonesia

BSI Hasanah Card Platinum

Rp150,000 welcome bonus plus free airport executive lounge access

Annual fee
Rp 600,000
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Cashback

Full breakdown

CIMB Niaga Syariah

OCTO Card Syariah

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

CIMB Niaga Syariah

Syariah Gold

25 Poin Xtra for every Rp50,000 of retail spend

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

CIMB Niaga Syariah

Syariah Platinum

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

CIMB Niaga Syariah

Preferred Infinite Syariah

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

CIMB Niaga Syariah

World Syariah

Mileage rewards — 'Elevate your journey with Mileage rewards'

Annual fee
Rp 3,000,000
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Air miles

Full breakdown

Bank Mega Syariah

Syariah Card Gold

1.5% monthly cashback up to Rp500,000 in selected countries, plus 10 points per Rp10,000 of retail spend

Annual fee
Rp 240,000
Profit rate
Not published
Minimum income
Rp 5,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Mixed rewards

Full breakdown

Bank Mega Syariah

Syariah Card Platinum

1.5% monthly cashback up to Rp1,000,000 in selected countries, plus 20 points per Rp10,000 of retail spend

Annual fee
Rp 600,000
Profit rate
Not published
Minimum income
Rp 10,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Mixed rewards

Full breakdown

Kuwait Finance House

Visa / MasterCard Diamond Card

KFH Rewards points with 2-year validity

Annual fee
KD 200
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

Visa Signature Credit Card

Up to 6% cashback per month via KFH Rewards (Baitak points)

Annual fee
KD 150
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

Kuwait Finance House

VISA / Master Platinum Card

KFH Rewards points

Annual fee
KD 100
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

Visa Platinum Select

KFH Rewards points, 2-year validity, redeemable for e-vouchers

Annual fee
KD 25
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

“Oasis Club” Mastercard World

3 Oasis Club miles per KD spent locally, 4 miles per KD spent internationally

Annual fee
KD 150
Profit rate
Not published
Minimum income
KD 1,000 a month
Structure
Not stated
Air miles

Full breakdown

Kuwait Finance House

“Oasis Club” Mastercard World Elite

4 Oasis Club miles per KD spent locally, 5 miles per KD spent internationally

Annual fee
KD 250
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Air miles

Full breakdown

Kuwait Finance House

Visa Infinite Metal Veneer

Up to 6% cashback on eligible purchases per month

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

Kuwait Finance House

“Al-Tayseer” Classic Package

KFH Rewards points with 2-year validity

Annual fee
KD 50
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

“Al-Tayseer” Gold Package

KFH Rewards points with 2-year validity

Annual fee
KD 80
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

“Al-Tayseer” Platinum Standard

KFH Rewards points with 2-year validity

Annual fee
KD 120
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

“Al-Tayseer” Platinum Premium

KFH Rewards points with 2-year validity

Annual fee
KD 200
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait Finance House

“Al-Tayseer” Diamond Package

KFH Rewards points with 2-year validity

Annual fee
KD 400
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Boubyan Bank

“Oasis Club” Visa Infinite

Kuwait Airways Oasis Club miles on everyday spend

Annual fee
Not published
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Air miles

Full breakdown

Boubyan Bank

“Oasis Club” Mastercard World

Kuwait Airways Oasis Club miles on everyday spend

Annual fee
Not published
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Air miles

Full breakdown

Boubyan Bank

Visa Infinite

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
KD 250
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Boubyan Bank

Premium Mastercard World Elite

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
Not published
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Boubyan Bank

Mastercard World Elite

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
KD 250
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Boubyan Bank

World Mastercard

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
KD 150
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Boubyan Bank

Visa Signature

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
KD 150
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Boubyan Bank

Visa Platinum

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
KD 80
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Boubyan Bank

Mastercard Platinum

Boubyan Rewards points, redeemable for flights, hotels, car rentals and gift cards

Annual fee
KD 80
Profit rate
0% /mo
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Warba Bank

Mastercard World Elite Dual Chip

Up to 10% monthly cashback via the Warba Cashback Programme

Annual fee
KD 240
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

Warba Bank

Mastercard World Elite

Up to 10% monthly cashback via the Warba Cashback Programme

Annual fee
KD 240
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

Warba Bank

VISA Signature

Annual fee
KD 150
Profit rate
0% /mo
Minimum income
KD 1,000 a month
Structure
Not stated

Full breakdown

Warba Bank

Mastercard World

Up to 10% monthly cashback via the Warba Cashback Programme

Annual fee
KD 100
Profit rate
0% /mo
Minimum income
KD 1,000 a month
Structure
Not stated
Cashback

Full breakdown

Warba Bank

Mastercard Platinum

Annual fee
KD 150
Profit rate
0% /mo
Minimum income
KD 250 a month
Structure
Not stated

Full breakdown

Warba Bank

VISA Platinum

Annual fee
KD 150
Profit rate
0% /mo
Minimum income
KD 990 a month
Structure
Not stated

Full breakdown

Warba Bank

Visa Infinite

Warba Travel Points: 3 per KD local, 8 per KD international, convertible to miles or hotel points

Annual fee
Not published
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Warba Bank

Visa Infinite Privilege

Warba Travel Points: 3 per KD local, 10 per KD international

Annual fee
Not published
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuwait International Bank

Visa Classic Card

KIB Rewards Points on card spend

Annual fee
KD 45
Profit rate
Not published
Minimum income
KD 400 a month
Structure
Not stated
Reward points

Full breakdown

Kuwait International Bank

Visa Gold Card

KIB Rewards Points on card spend

Annual fee
KD 55
Profit rate
Not published
Minimum income
KD 400 a month
Structure
Not stated
Reward points

Full breakdown

Kuwait International Bank

Visa Platinum Card

KIB Rewards Points on card spend

Annual fee
KD 100
Profit rate
Not published
Minimum income
KD 400 a month
Structure
Not stated
Reward points

Full breakdown

Kuwait International Bank

Visa Signature Card

KIB Rewards Points on card spend

Annual fee
KD 120
Profit rate
Not published
Minimum income
KD 1,100 a month
Structure
Not stated
Reward points

Full breakdown

Kuwait International Bank

Visa Infinite Card

KIB Rewards Points on card spend

Annual fee
KD 250
Profit rate
Not published
Minimum income
KD 3,000 a month
Structure
Not stated
Reward points

Full breakdown

Kuwait International Bank

VISA Infinite Biometric Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Affin Islamic Bank Berhad

AFFIN AURA Card Credit Card-i

Annual fee
No annual fee
Profit rate
8%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN AVANCE Affiliate Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN AVANCE Mastercard Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN AVANCE Visa Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO Mastercard Rewards Credit Card-i

Annual fee
RM 75
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO+ Mastercard Credit Card-i

Annual fee
RM 100
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO+ Visa Credit Card-i

Annual fee
RM 100
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO Visa Cash Back Credit Card-i

Annual fee
RM 75
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN INVIKTA Visa Infinite Credit Card-i

Annual fee
RM 500
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN INVIKTA World Mastercard Credit Card-i

Annual fee
RM 500
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Mastercard Basic Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Mastercard Gold Credit Card-i

Annual fee
RM 150
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN MPN Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Platinum Mastercard Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN UKM Alumni Mastercard Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN UKM Alumni Premier World Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Visa Business Platinum Credit Card-i

Annual fee
RM 300
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN World Mastercard Credit Card-i

Annual fee
RM 500
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

alrajhi bank Malaysia

Visa Platinum Credit Card-i

5% cashback on dining, groceries, online transactions and utility payments, capped at RM30 per month

Annual fee
No annual fee
Profit rate
18%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

alrajhi bank Malaysia

Visa Signature Credit Card-i

Up to 10% cashback on overseas spend, capped at RM80 per month

Annual fee
RM 500
Profit rate
18%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

AmBank Islamic

SIGNATURE Priority Banking Visa Infinite Credit Card-i

Up to 5% cashback on retail spend, scaled to your assets under management with the bank

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

AmBank Islamic

Islamic SIGNATURE Priority Banking World Mastercard-i

5X AmBonus Points for every RM1 of overseas retail spend, with unlimited lounge access

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

Islamic Visa Infinite Card-i

5X AmBonus Points for every RM1 of overseas retail spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

Islamic Visa Platinum Card-i

2X AmBonus Points for every RM1 of overseas retail spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

Islamic Visa Platinum CARz Card-i

Up to 5% cash rebate on petrol at any brand

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

AmBank Islamic

Islamic Visa Signature Card-i

3X AmBonus Points for every RM1 of overseas retail spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Islam Malaysia Berhad

Mastercard Gold Credit Card-i

Entry-level Shariah-compliant Mastercard at the RM24,000 annual income floor

Annual fee
RM 130
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Mastercard Inspire Credit Card-i

Lifetime fee waiver for 21-35 year olds, with a 9% p.a. rate for education-sector customers

Annual fee
No annual fee
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Mastercard Platinum Credit Card-i

TruPoints and cash back on a RM36,000 minimum annual income

Annual fee
RM 388
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Mastercard World Credit Card-i

Up to 3X TruPoints on contactless and petrol spend

Annual fee
RM 777
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Islam Malaysia Berhad

Mastercard World Premier Wealth Credit Card-i

Up to 3X TruPoints with a lifetime annual fee waiver, by Premier Wealth invitation

Annual fee
No annual fee
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Islam Malaysia Berhad

Visa Gold Credit Card-i

Entry-level Shariah-compliant card at the RM24,000 annual income floor

Annual fee
RM 130
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Visa Infinite Credit Card-i

Up to 8% cash back on online, auto billing, grocery and dining spend

Annual fee
RM 777
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Islam Malaysia Berhad

Visa Platinum Credit Card-i

Cash back and TruPoints on a RM36,000 minimum annual income

Annual fee
RM 388
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat AmanahRaya Visa Platinum-i

Entry-level Shariah card at the RM24,000 income floor, with lounge access

Annual fee
RM 80
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat EON Visa Infinite-i

5% cash back on contactless spend, lounge access and EON VIP events

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat EON Visa Platinum-i

3% cash back on contactless spend plus EON automotive discounts

Annual fee
RM 138
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat Pos Malaysia Visa Infinite-i

8% cash back at Pos Malaysia counters with a lifetime fee waiver and lounge access

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat Pos Malaysia Visa Platinum-i

8% cash back at Pos Malaysia counters

Annual fee
RM 80
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Visa Infinite-i

Lifetime fee waiver with lounge access and unlimited 1% overseas cash back

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Visa Platinum-i

Unlimited 1% cash back on overseas spend, first year fee free

Annual fee
RM 138
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Cikgu Sejati Credit Card-i

5% cashback at petrol stations, stationery shops, bookstores and hotels

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Mixed rewards

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Gold Credit Card-i

1 Rakyat Rewards point per RM10 spent with the annual fee waived outright

Annual fee
RM 150
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Gold PDRM Credit Card-i

1 Rakyat Rewards point per RM10 plus a discounted 1.5% cash withdrawal fee

Annual fee
RM 150
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Jit Sin Alumni Credit Card-i

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Muslimah Credit Card-i

5% cashback on dining and utilities, with more categories unlocked as income rises

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Cashback

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

MyF1RST Credit Card-i

5x Rakyat Rewards points on online purchases

Annual fee
RM 150
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

PAUTM Credit Card-i

10x points on Shariah-compliant overseas spend and 5x on groceries, car servicing and EV charging

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Perodua Credit Card-i

5x Rakyat Rewards points on fuel, vehicle maintenance, motor takaful and EV charging

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Platinum Credit Card-i

1 Rakyat Rewards point per RM10 spent, plus a profit rebate rising to 3% by year 3

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Platinum Explorer Credit Card-i

5% cash back on all airline and hotel bookings plus Rakyat Rewards points

Annual fee
RM 388
Profit rate
13.5%
Minimum income
RM 5,000 a month
Structure
Murabahah + Tawarruq
Mixed rewards

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

PDRM Platinum Credit Card-i

1 Rakyat Rewards point per RM10 plus a discounted 1.5% cash withdrawal fee

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Xclusive Explorer Credit Card-i

5% cash back on airline and hotel bookings, capped at RM1,000 a year

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Cashback

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

World Mastercard Credit Card-i

10x Rakyat Rewards points on overseas spend plus a 5% rebate on travel and dining capped at RM1,500 a year

Annual fee
RM 500
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Mixed rewards

Full breakdown

Bank Simpanan Nasional (BSN)

Al-Aiman Classic Credit Card-i

No annual fee for life with profit charge from 11% p.a., plus BSN Happy Points

Annual fee
No annual fee
Profit rate
11%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

Al-Aiman Gold Credit Card-i

Free-for-life Gold card with RM100,000 travel accident takaful and Happy Points

Annual fee
No annual fee
Profit rate
11%
Minimum income
RM 3,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

Al-Aiman Platinum Credit Card-i

2x Happy Points on dining, golf, travel and all overseas spend, free for life

Annual fee
No annual fee
Profit rate
11%
Minimum income
RM 4,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN G-Card Al-Aiman Visa Credit Card-i

8.88% p.a. Tier I for civil servants plus 2,000 welcome Happy Points

Annual fee
No annual fee
Profit rate
8.88%
Minimum income
RM 2,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN-Teachers Al-Aiman Gold Credit Card-i

The cheapest card in BSN's range - 8.88% p.a. Tier I and a 14% p.a. worst case

Annual fee
No annual fee
Profit rate
8.88%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN-UUM Al-Aiman Mastercard Gold Credit Card-i

Free-for-life UUM community card with a 9.95% p.a. Tier I rate

Annual fee
No annual fee
Profit rate
9.95%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN-UUM Al-Aiman Mastercard Platinum Credit Card-i

Free-for-life UUM Platinum with RM300,000 travel accident takaful

Annual fee
No annual fee
Profit rate
9.95%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

CIMB Islamic

Lite-i Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

CIMB Islamic

PETRONAS Visa Infinite-i Credit Card

Up to 12% cash rebate at PETRONAS, Setel and PETRONAS EV charging

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

CIMB Islamic

PETRONAS Visa Platinum-i Credit Card

Up to 8% cash rebate at PETRONAS, Setel and PETRONAS EV charging

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

CIMB Islamic

Platinum-i Credit Card

1 Bonus Point for every RM1 spent

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

CIMB Islamic

Preferred Visa Infinite-i Credit Card

8X Bonus Points on local dining, overseas spend and zakat or charity payments

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

HSBC Amanah Malaysia Berhad

MPower Credit Card-i

Annual fee
RM 90
Profit rate
15%
Minimum income
Not published
Structure
Ujrah

Full breakdown

HSBC Amanah Malaysia Berhad

MPower Platinum Credit Card-i

Up to 8% bonus cashback on eWallet, groceries and petrol

Annual fee
RM 240
Profit rate
15%
Minimum income
Not published
Structure
Ujrah
Cashback

Full breakdown

HSBC Amanah Malaysia Berhad

Premier World Mastercard Credit Card-i

1% unlimited cashback on all overseas spending

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Ujrah
Cashback

Full breakdown

Maybank Islamic

Ikhwan American Express Gold Card-i

5x TreatsPoints on all petrol spend and 2x on everything else

Annual fee
Lifetime annual fee waiver
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Maybank Islamic

Ikhwan American Express Platinum Card-i

8% cash back on online spend every month, plus TreatsPoints

Annual fee
Lifetime fee waiver
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Maybank Islamic

Ikhwan Mastercard Gold Card-i

5% rebate on petrol and groceries on Fridays and Saturdays, plus 1 TreatsPoint per RM1 spent

Annual fee
Free for life
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Maybank Islamic

Ikhwan Mastercard Platinum Card-i

5% rebate on petrol and groceries on Fridays and Saturdays, plus 1 TreatsPoint per RM1 spent

Annual fee
Free for life
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Maybank Islamic

Ikhwan Visa Infinite Card-i

Up to 2 TreatsPoints per RM1 locally and 5 TreatsPoints per RM1 overseas

Annual fee
RM 800
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Maybank Islamic

myimpact Ikhwan Mastercard Platinum Credit Card-i

Up to 8% cash back across eight ESG-friendly categories, up to RM70 a month

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Maybank Islamic

PETRONAS Ikhwan Visa Gold Card-i

8% cash back at PETRONAS stations on Saturdays and Sundays, 1% Monday to Friday

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Maybank Islamic

PETRONAS Ikhwan Visa Platinum Card-i

8% cash back at PETRONAS stations on Saturdays and Sundays, 1% Monday to Friday

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Maybank Islamic

World Elite Mastercard Ikhwan

10 TreatsPoints per RM5 locally and 25 TreatsPoints per RM5 overseas

Annual fee
RM 800
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Public Islamic Bank

Gold MasterCard Credit Card-i

1% Cash Back on groceries

Annual fee
RM 150
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Public Islamic Bank

Platinum MasterCard Credit Card-i

2% Cash Back on groceries and departmental store transactions

Annual fee
RM 333
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Public Islamic Bank

Visa Gold Credit Card-i

1% Cash Back on online transactions

Annual fee
RM 150
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Public Islamic Bank

Visa Platinum Credit Card-i

2% Cash Back on online and overseas transactions

Annual fee
RM 333
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

RHB Islamic Bank

Cash Back Credit Card-i

Up to 10% cashback on online dining and grocery spend

Annual fee
RM 70
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

RHB Islamic Bank

Premier Visa Infinite Credit Card-i

Up to 10x Loyalty Plus points per RM1 on overseas spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

RHB Islamic Bank

Rewards Credit Card-i

10x Loyalty points per RM1 on cinema and entertainment spend

Annual fee
RM 200
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

RHB Islamic Bank

Shell Visa Credit Card-i

Up to 12% cashback on Shell fuel

Annual fee
RM 195
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

RHB Islamic Bank

World Mastercard Credit Card-i

Up to 6% cashback on domestic petrol, travel and dining at the top spend tier

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Nizwa

Standard Credit Card

Annual fee
OMR 35
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Gold Credit Card

Annual fee
OMR 30
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Titanium Credit Card

Annual fee
OMR 35
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

Platinum Credit Card

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Bank Nizwa

World Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 300 a month
Structure
Qard Hasan

Full breakdown

Meethaq Islamic Banking

Meethaq VISA Gold Credit Card

Annual fee
OMR 10
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah

Full breakdown

Meethaq Islamic Banking

Meethaq VISA Platinum Credit Card

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah

Full breakdown

Meethaq Islamic Banking

Meethaq Hafawa Visa Signature Credit Card

Premium dining discount and rewards programme at 75+ premium restaurants, with reward points equal to the discount

Annual fee
OMR 100
Profit rate
0% /mo
Minimum income
OMR 1,000 a month
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Meethaq Islamic Banking

Meethaq Lulu Credit Card

2% reward points on Lulu Hypermarket spend in Oman, 0.5% on other local merchants

Annual fee
OMR 10
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Sohar Islamic

Visa Gold Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 400 a month
Structure
Ujrah

Full breakdown

Sohar Islamic

Visa Platinum Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 650 a month
Structure
Ujrah

Full breakdown

Sohar Islamic

Signature Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 1,300 a month
Structure
Ujrah

Full breakdown

Sohar Islamic

Infinite Credit Card

Complimentary 5,000 reward points on joining, plus a loyalty programme on purchases

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
OMR 3,000 a month
Structure
Ujrah
Reward points

Full breakdown

Alizz Islamic Bank

Alizz ONE Platinum Visa Credit Card

Annual fee
OMR 34.65
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Alizz Islamic Bank

Tharwa Infinite Visa Credit Card

Annual fee
OMR 105
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Dhofar Islamic

Mastercard Gold Credit Card

0.75% value back on international purchases, 0.5% on purchases in Oman

Annual fee
OMR 20
Profit rate
0% /mo
Minimum income
OMR 250 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown

Dhofar Islamic

Mastercard Titanium Credit Card

1% value back on international purchases, 0.75% on purchases in Oman

Annual fee
OMR 30
Profit rate
0% /mo
Minimum income
OMR 700 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown

Dhofar Islamic

Mastercard World Credit Card

1.5% value back on international purchases, 1% on purchases in Oman

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 3,000 a month
Structure
Qard Hasan + Ujrah
Cashback

Full breakdown

ahli islamic

Gold Credit Card

Earn Pearl Points on every spend

Annual fee
OMR 30
Profit rate
0% /mo
Minimum income
OMR 320 a month
Structure
Ujrah
Reward points

Full breakdown

ahli islamic

AlMajd Platinum Credit Card

Earn Pearl Points on every spend

Annual fee
OMR 50
Profit rate
0% /mo
Minimum income
OMR 1,000 a month
Structure
Ujrah
Reward points

Full breakdown

ahli islamic

Al Shumookh Signature Credit Card

Up to 1% cashback on card spend, plus Pearl Points on every spend

Annual fee
OMR 75
Profit rate
0% /mo
Minimum income
OMR 3,500 a month
Structure
Ujrah
Mixed rewards

Full breakdown

ahli islamic

Al Shumookh Infinite Credit Card

Up to 1% cashback on card spend, plus Pearl Points on every spend

Annual fee
OMR 100
Profit rate
0% /mo
Minimum income
Not published
Structure
Ujrah
Mixed rewards

Full breakdown

Faysal Bank

Faysal Islami Noor Velocity Card

1 reward point per Rs. 100 of local spend; 3x points on charity and social-service donations

Annual fee
Rs 6,500
Profit rate
43%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Faysal Bank

Faysal Islami Noor Gold Card

1 reward point per Rs. 100 local spend, plus Karachi airport lounge access

Annual fee
Rs 11,000
Profit rate
43%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Faysal Bank

Faysal Islami Noor Titanium Card

1 reward point per Rs. 100 local spend; up to 50% merchant discounts

Annual fee
Rs 13,000
Profit rate
43%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Faysal Bank

Faysal Islami Noor Platinum Card

Unlimited CIP and Majestic lounge access in Pakistan plus 25+ international lounges

Annual fee
Rs 19,000
Profit rate
43%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Faysal Bank

Faysal Islami Noor World Card

1,100+ international lounges via Mastercard Travel Pass, plus unlimited domestic CIP lounges

Annual fee
Rs 26,000
Profit rate
43%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Faysal Bank

Faysal Islami Noor Flexi Card

Cash access up to 100% of the card limit, with discounts of up to 40%

Annual fee
Rs 9,000
Profit rate
3.58% /mo
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Faysal Bank

Faysal Islami Noor Corporate Card

Annual fee
Rs 7,500
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Standard Chartered Saadiq

Saadiq Mastercard Platinum Credit Card

5% cashback on dining, groceries and e-commerce

Annual fee
Not published
Profit rate
3.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Qatar Islamic Bank

Infinite Credit Card

Absher Rewards points at QIB's fastest earn rate

Annual fee
QAR 500
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Signature Credit Card

Absher Rewards points on every card use

Annual fee
QAR 500
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Visa Platinum Credit Card

Absher points on every spend

Annual fee
QAR 350
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Visa Gold Credit Card

Absher points on all spends

Annual fee
QAR 250
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Ladies Credit Card

Absher points valid for 3 years, plus Visa concierge and travel cover

Annual fee
QAR 350
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Mastercard World Credit Card

Fastest Mastercard earn rate at QIB, plus full travel insurance

Annual fee
QAR 500
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Mastercard Platinum Credit Card

Absher points plus Dragon Pass lounge access

Annual fee
QAR 350
Profit rate
1% /mo
Minimum income
QAR 8,000 a month
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Bedaya Platinum Credit Card

A no-annual-fee student card with lounge access and purchase protection

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

QIB Digital Credit Card

A digital-only, fee-free card issued straight into a mobile wallet

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Al Meera Co-branded Credit Card

Meera Rewards points, earning fastest on Al Meera grocery spend

Annual fee
QAR 350
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Qatar Islamic Bank

Qatar Airways Gold Card

Avios into Qatar Airways Privilege Club, at the entry tier

Annual fee
QAR 250
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Qatar Islamic Bank

Qatar Airways Platinum Card

Avios plus lounge access at the mid tier

Annual fee
QAR 350
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Qatar Islamic Bank

Qatar Airways Signature Card

QIB's fastest Avios earn rate, with 850+ lounges

Annual fee
QAR 500
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Qatar Islamic Bank

Marriott Bonvoy Platinum Credit Card

Marriott Bonvoy points with automatic Silver Elite status

Annual fee
QAR 250
Profit rate
1% /mo
Minimum income
QAR 8,000 a month
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Classic Credit Card

AlRayan's entry-level Islamic credit card

Annual fee
QAR 200
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Gold Credit Card

AlRayan Gold tier Islamic credit card

Annual fee
QAR 300
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Visa Platinum Credit Card

AlRayan Reward points redeemable into Qatar Airways Avios and Ooredoo Nojoom

Annual fee
QAR 400
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Visa Signature Credit Card

Faster AlRayan Reward points with 1,000+ lounges and concierge

Annual fee
QAR 500
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Visa Infinite Credit Card

AlRayan's top standard Visa tier

Annual fee
QAR 600
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Premier Credit Card (Visa Signature)

No annual fee, with points convertible to Avios, Nojoom, Al Meera points or cash back

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
QAR 35,000 a month
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Premier Credit Card (Visa Infinite)

AlRayan's fastest standard earn rate, with unlimited lounge access and no annual fee

Annual fee
No annual fee
Profit rate
1% /mo
Minimum income
QAR 50,000 a month
Structure
Murabahah
Reward points

Full breakdown

AlRayan Bank

Qatar Airways Co-Brand Credit Card (Visa Signature)

Avios straight into Qatar Airways Privilege Club, doubled on Qatar Airways flights

Annual fee
QAR 499
Profit rate
1% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

AlRayan Bank

Qatar Airways Co-Brand Credit Card (Visa Infinite)

AlRayan's fastest Avios earn rate, with unlimited lounge access

Annual fee
QAR 799
Profit rate
1% /mo
Minimum income
QAR 50,000 a month
Structure
Murabahah
Air miles

Full breakdown

Dukhan Bank

MasterCard Platinum Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 400
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

Visa Platinum Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 400
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

Visa Platinum + Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 400
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

World Mastercard Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 700
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

World Mastercard + Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 700
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

Visa Signature Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 700
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

Visa Infinite Retail Credit Card

DAwards at Dukhan's fastest rate, with unlimited Visa Infinite lounge access

Annual fee
QAR 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

Visa Infinite Retail + Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Dukhan Bank

Visa Infinite Retail ++ Credit Card

Dukhan Bank Rewards (DAwards) points, convertible to Qatar Airways Privilege Club and Ooredoo Nojoom

Annual fee
QAR 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Reward points

Full breakdown

Qatar International Islamic Bank

QIIB Visa Infinite Credit Card

QIIB Points, redeemable for Avios, Ooredoo Nojoom points, flights, hotels and car rentals

Annual fee
QAR 750
Profit rate
1% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Qatar International Islamic Bank

QIIB Visa Signature Credit Card

QIIB Points, redeemable for Avios, Ooredoo Nojoom points, flights, hotels and car rentals

Annual fee
QAR 400
Profit rate
1% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Qatar International Islamic Bank

QIIB Mastercard World Credit Card

QIIB Points, redeemable for Avios, Ooredoo Nojoom points, flights, hotels and car rentals

Annual fee
QAR 350
Profit rate
1% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Qatar International Islamic Bank

QIIB Visa Platinum Credit Card

QIIB Points, redeemable for Avios, Ooredoo Nojoom points, flights, hotels and car rentals

Annual fee
QAR 250
Profit rate
1% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Qatar International Islamic Bank

QIIB Platinum Mastercard Credit Card

QIIB Points, redeemable for Avios, Ooredoo Nojoom points, flights, hotels and car rentals

Annual fee
QAR 250
Profit rate
1% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Qatar International Islamic Bank

QIIB Installment Credit Card

QIIB Points, redeemable for Avios, Ooredoo Nojoom points, flights, hotels and car rentals

Annual fee
Not published
Profit rate
1% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Al Rajhi Bank

Infinite Credit Card

150,000 welcome mokafaa points on SAR 25,000 spend in the first 90 days

Annual fee
SAR 990
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

Signature Credit Card

75,000 welcome mokafaa points on SAR 25,000 spend in the first 90 days

Annual fee
SAR 790
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

Platinum Credit Card

25,000 welcome mokafaa points on SAR 15,000 spend in the first 90 days

Annual fee
SAR 490
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

SELECTIVE Credit Card

75,000 welcome mokafaa points on SAR 25,000 spend in the first 90 days

Annual fee
SAR 790
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

Signature Cashback Plus Card

Up to 15% cashback on food delivery and 10% on dining

Annual fee
SAR 450
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Al Rajhi Bank

Platinum Cashback Plus Card

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Al Rajhi Bank

AlFursan Infinite Credit Card

Up to 170,000 bonus and reward AlFursan miles

Annual fee
SAR 1,000
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Al Rajhi Bank

AlFursan Platinum Credit Card

Up to 20,000 bonus AlFursan reward miles on SAR 35,000 spend in the first year

Annual fee
SAR 490
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Al Rajhi Bank

Platinum Charge Credit Card

1 mokafaa point per SAR 1 domestic, 3 points international

Annual fee
SAR 370
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Alinma Bank

Infinite Credit Card

7 akthr points per SAR 1 international, 6 per SAR 1 local

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Signature Credit Card

7 akthr points per SAR 1 international, 5 per SAR 1 local

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Platinum Credit Card

6 akthr points per SAR 1 international, 4 per SAR 1 local

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

AlFursan Infinite Credit Card

Up to 142,500 total welcome and annual Miles

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Alinma Bank

AlFursan Signature Credit Card

25,000 welcome Miles plus up to 66,000 monthly bonus Miles a year

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Alinma Bank

AlFursan Platinum Credit Card

Up to 24,500 Miles as welcome, monthly and annual bonuses

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Alinma Bank

Travel akthr Infinite Credit Card

50,000 welcome akthr points and 8 points per riyal on international travel

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Travel akthr Signature Credit Card

20,000 welcome akthr points and 7 points per riyal on international travel

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Infinite Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Signature Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Platinum Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Gold Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Classic Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Infinite Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Signature Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Platinum Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Go Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

STC Bank

Visa Infinite Privilege Credit Card

Local and international cashback

Annual fee
SAR 10,000
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

STC Bank

Visa Infinite Credit Card

Local and international cashback

Annual fee
SAR 1,000
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

STC Bank

Visa Signature Credit Card

Local and international cashback

Annual fee
SAR 750
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

STC Bank

Visa Platinum Credit Card

Local and international cashback

Annual fee
SAR 250
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Bank Albilad

Silver Credit Card

Mukafaat Albilad loyalty points

Annual fee
SAR 195.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Platinum Credit Card

Mukafaat Albilad loyalty points plus Visa Platinum lifestyle privileges

Annual fee
SAR 425.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Signature Credit Card

Mukafaat Albilad points plus the full Visa Signature travel benefit set

Annual fee
SAR 483
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Infinite Credit Card

Mukafaat Albilad points plus the full Visa Infinite benefit set

Annual fee
SAR 540.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Tamkeen Credit Card

Annual fee
SAR 770.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Bank Albilad

Tamkeen Plus Classic Credit Card

Mukafaat Albilad loyalty points

Annual fee
SAR 115
Profit rate
1.8% /mo
Minimum income
SAR 3,000 a month
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Tamkeen Plus Platinum Credit Card

15,000 Mukafaat Albilad welcome points

Annual fee
SAR 115
Profit rate
1.8% /mo
Minimum income
SAR 3,000 a month
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Tamkeen Plus Signature Credit Card

75,000 Mukafaat Albilad welcome points

Annual fee
SAR 345
Profit rate
1.8% /mo
Minimum income
SAR 3,000 a month
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Tamkeen Plus Infinite Credit Card

250,000 Mukafaat Albilad welcome points

Annual fee
SAR 575
Profit rate
1.8% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Travel Pass Signature Credit Card (Visa)

150,000 welcome points on first purchase; 7 points per SAR 1 international, 6 points local

Annual fee
SAR 575
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Travel Pass Infinite Credit Card (Visa)

300,000 welcome points on first purchase; 9 points per SAR 1 international, 7 local, 6 in Europe

Annual fee
SAR 1,150
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Bank AlJazira

Visa Classic Credit Card

0.75 Ajwaa reward points per SAR 1 spent internationally

Annual fee
SAR 150
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Visa Platinum Credit Card

1.13 Ajwaa reward points per SAR 1 spent internationally, plus free access to 25 lounges

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Visa Infinite Credit Card

1.75 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 700
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Mastercard Platinum Credit Card

1.13 Ajwaa reward points per SAR 1 spent internationally; 8 complimentary lounge visits a year

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Plus Credit Card

2.25 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Platinum Credit Card

2.25 Ajwaa reward points per SAR 1 spent internationally; free lounge access at 25 airports

Annual fee
SAR 300
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Signature Credit Card

3 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Infinite Credit Card

3.5 Ajwaa reward points per SAR 1 spent internationally - the highest earn rate in the range

Annual fee
SAR 900
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Digital Credit Card

1 Ajwaa reward point per SAR 1 spent internationally

Annual fee
SAR 50
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank AlJazira

Tomoh Low-Limit Credit Card

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Bank AlJazira

Visa Multi-currency Credit Card

Ajwaa loyalty rewards on a multi-currency card

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank AlJazira

Mastercard World Elite Credit Card

1.75 Ajwaa reward points per SAR 1 spent internationally; unlimited lounge access at 1,000+ airports

Annual fee
SAR 1,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Credit Card - Titanium

1.0 LAK point per SAR 1 of local spend and 1.5 per SAR 1 of international spend

Annual fee
SAR 400
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Credit Card - Platinum

1.5 LAK points per SAR 1 on both local and international spend

Annual fee
SAR 600
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Wessam Gold Credit Card - World

2.0 LAK points per SAR 1 on local and international spend, with no annual fee

Annual fee
No annual fee
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Wessam Platinum Credit Card - World

2.0 LAK points per SAR 1 local and 2.5 per SAR 1 international, with no annual fee

Annual fee
No annual fee
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Elite World Elite Credit Card

2.0 LAK points per SAR 1 local and 2.5 per SAR 1 international, with no annual fee

Annual fee
No annual fee
Profit rate
Not published
Minimum income
SAR 75,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Private World Elite Credit Card

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Private World Legend Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi National Bank

AlAhli Cashback Credit Card

Up to 2% cashback on monthly spend, capped at SAR 200 a month

Annual fee
No annual fee
Profit rate
2.8% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi National Bank

AlAhli Cashback Premium Credit Card

Up to 11% cashback on fuel, with unlimited overall monthly cashback

Annual fee
SAR 200
Profit rate
3.1% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi National Bank

UEFA Champions League Credit Card

Up to 2% cashback (SAR 200/month cap) on a UEFA Champions League branded card

Annual fee
No annual fee
Profit rate
2.8% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi National Bank

Alfursan Credit Card - Platinum

1 Alfursan Mile for every SAR 3 spent, locally or internationally

Annual fee
SAR 350
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi National Bank

Alfursan Credit Card - Infinite

1 Alfursan Mile per SAR 2 spent internationally, 1 per SAR 3 locally

Annual fee
SAR 750
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi National Bank

Global Multi Currency Credit Card

Zero FX markup across 4 default currency wallets, plus LAK Rewards points

Annual fee
SAR 172.50
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Flexi Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Riyad Bank

AlFursan Visa Infinite Credit Card

45,000 AlFursan Miles on activation plus up to 1 Mile per SAR 1.5 spent

Annual fee
SAR 2,000
Profit rate
2.2% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Riyad Bank

AlFursan Visa Signature Credit Card

25,000 AlFursan Miles on activation plus up to 1 Mile per SAR 2.5 spent

Annual fee
SAR 1,000
Profit rate
2.35% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Riyad Bank

Visa Signature Islamic Card

Up to 1.5% back in Hassad points plus 200 complimentary points on enrolment

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Cashback Visa Signature Islamic Credit Card

Up to 10% cashback on selected categories, tiered by monthly spend

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Visa Platinum Islamic Card

50 complimentary Hassad points on activation and 800 bonus points on SAR 8,000 spend in 3 months

Annual fee
SAR 390
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Mastercard Platinum Credit Card

1 Hassad Point per SAR 1 domestic, 1.5 per SAR 1 international

Annual fee
SAR 390
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Titanium Islamic Credit Card

20 complimentary Hassad points on activation and 400 bonus points on SAR 5,000 spend in 3 months

Annual fee
SAR 290
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

World Islamic Mastercard Credit Card

Up to 2.5% back in Hassad points plus 500 complimentary points on enrolment

Annual fee
SAR 750
Profit rate
2.35% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

World Elite Islamic Mastercard Credit Card

Up to 2.5% back in Hassad points plus 500 complimentary points on enrolment

Annual fee
SAR 1,500
Profit rate
2.2% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Dream Islamic Credit Card

Earn miles or points directly with a chosen travel partner - one card, ten partners

Annual fee
SAR 1,300
Profit rate
3.1% /mo
Minimum income
Not published
Structure
Not stated
Mixed rewards

Full breakdown

Riyad Bank

DufaatPlus Credit Card

Every transaction automatically split into 4 interest-free instalments

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Riyad Bank

Al-Hilal Mastercard Platinum Credit Card

Cashback on every purchase plus Al-Hilal club benefits

Annual fee
SAR 100
Profit rate
39.95%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Al-Hilal Mastercard World Credit Card

Cashback on every purchase plus Al-Hilal club benefits

Annual fee
SAR 350
Profit rate
40.72%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Al-Hilal Mastercard World Elite Credit Card

Cashback on every purchase plus Al-Hilal club benefits

Annual fee
SAR 1,000
Profit rate
42.76%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Supplementary Islamic Credit Card

A family card with its own credit limit, separate from the primary cardholder's limit

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB ALFURSAN Black Card World Elite Mastercard Credit Card

SAUDIA AlFursan co-brand card; SAB does not publish the Miles earn rate on an English page located.

Annual fee
SAR 1,950
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi Awwal Bank

SAB Emirates Infinite Visa Credit Card

Emirates Skywards co-brand card; SAB does not publish the Miles earn rate on an English page located.

Annual fee
SAR 750
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi Awwal Bank

SAB World Elite Exclusive Mastercard Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 10,000
Profit rate
2.39% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Platinum Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 400
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Visa Classic Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 225
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Titanium Mastercard Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 225
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Signature Visa Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 475
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB VISA Cashback Credit Card

1% unlimited domestic cashback, 2% unlimited international, up to 10% on three preferred categories

Annual fee
No annual fee
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi Awwal Bank

SAB Advance Visa Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
No annual fee
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Premier Mastercard Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
No annual fee
Profit rate
2.39% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB noon VISA Credit Card

Up to 10% cashback paid as noon credits, plus SAR 250 instant noon credit on the first transaction

Annual fee
SAR 199
Profit rate
3.75% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi Awwal Bank

SAB Visa "My Card" Credit Card

No rewards - the product page states customers cannot earn ICSAB+ points on My Card purchases.

Annual fee
SAR 50
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi Awwal Bank

SAB Umlaty Multi Currency Card VISA

Hold and spend in up to 18 currencies with the exchange rate shown before you buy

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi Awwal Bank

AQSAT Credit Card

Every purchase automatically split into 3 profit-free instalments

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi Awwal Bank

Household Salary Card

Prepaid salary card for domestic workers and household staff

Annual fee
SAR 90
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Arab National Bank

Visa Infinite Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 850
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Signature Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 450
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

MasterCard World Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 700
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Platinum Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Platinum MasterCard Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 350
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Titanium MasterCard Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 200
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Classic Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 200
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

VISA Infinite Privilege / MasterCard World Elite Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

AlFursan VISA Infinite Credit Card

More than a quarter of a million Miles on the anb marketing page

Annual fee
SAR 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Arab National Bank

AlFursan VISA Signature Credit Card

Up to 160,000 Miles on the anb marketing page

Annual fee
SAR 1,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Arab National Bank

anb Low-limit Credit Card

No rewards programme is published for the low-limit cards.

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Arab National Bank

Platinum Low-limit Credit Card

No rewards programme is published for the low-limit cards.

Annual fee
SAR 150
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Arab National Bank

Cashback Digital Card

anb markets this as a cashback card but publishes no cashback rate, tier table or cap on any English page located.

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Arab National Bank

Currencies Card

Multiple currencies in one card - 5 free currencies, digital issuance

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Türkiye Finans Katılım Bankası

Happy Kart (Happy Bonus)

Bonus programme points

Annual fee
Not published
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Türkiye Finans Katılım Bankası

Happy Zero Kart

No annual fee, with the same Bonus benefits as the rest of the Happy range

Annual fee
No annual fee
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuveyt Türk Katılım Bankası

Sağlam Kart

Altın Puan — points denominated in gold

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuveyt Türk Katılım Bankası

Sağlam Kart Kampüs

No card fee, aimed at students

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Kuveyt Türk Katılım Bankası

Miles&Smiles Kuveyt Türk Kart

Turkish Airlines Miles&Smiles miles, plus six instalments with no price differential on purchases

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Air miles

Full breakdown

Kuveyt Türk Katılım Bankası

Özel Bankacılık Kredi Kartı

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Albaraka Türk Katılım Bankası

Albaraka Worldcard

World programme points

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Albaraka Türk Katılım Bankası

Eflatun Kredi Kartı

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Albaraka Türk Katılım Bankası

Özel Kredi Kartı

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Vakıf Katılım Bankası

VKart

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Türkiye Emlak Katılım Bankası

Emlak Katılım Paraf Kredi Kartı

ParafPara points on instalment purchases at member merchants

Annual fee
Not published
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Standard Bank

Diners Club Shari'ah Charge Card

ClubMiles rewards, plus Diners Club airport lounge access earned on spend

Annual fee
R 142
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan + Ujrah
Air miles

Full breakdown