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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

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Islamic credit cards in United Arab Emirates

Every Shariah-compliant credit card we can verify from 18 issuers, with the contract behind each one and the fee schedule it came from.

Cards indexed

101

Issuers

18

With no annual fee

31

Currency

AED

How the Emirati market works

The market

Islamic card structures in the UAE are far more varied than the common summary suggests, and the variation is the most useful thing a consumer can know. Across the issuers researched for this dataset, the dominant contract is NOT Ujrah but some form of commodity Murabaha / Tawarruq: Standard Chartered Saadiq (commodity Murabaha, per its published ISSC pronouncement), RAKislamic (structured Murabaha), ADIB (commodity Murabaha over a 10-year tenor, certified against AAOIFI Shari'ah Standard No. 61), Mashreq Al Islami (explicitly Tawarruq), Emirates Islamic (Murabaha over EIFL certificates), and FAB Islamic and ADCB Islamic (both commodity Murabaha with a Wakala offset account, with the word 'ujrah' appearing in neither bank's card documentation). DIB is different again and uses Salam — the customer sells commodities forward to the bank and draws on the proceeds held in an Investment Wakala account. Pure Ujrah cards do exist but are the receding generation: Standard Chartered's withdrawn Saadiq Platinum Ujrah carried NO profit rate at all and an AED 800 monthly maintenance fee instead, and Emirates Islamic's surviving Skywards Platinum and Skywards Gold are priced off a legacy monthly-fee-by-credit-limit table. RATE QUOTING IS MOSTLY, BUT NOT ALWAYS, MONTHLY. Emirates Islamic, DIB, ADIB, RAKislamic, Standard Chartered Saadiq, FAB and ADCB all lead with a monthly percentage; several also publish the annualised equivalent (ADIB 3.75%/month = 45.63% APR; ADCB 3.69% = 44.28%; FAB up to 3.99% = 47.88%; Emirates Islamic 3.25/3.59/3.69% = 39/43.08/44.28%). Mashreq Al Islami is the clear exception: its Key Facts Sheet states the Tawarruq profit rate ANNUALLY only (29.4% to 46.2% per annum) and publishes no monthly figure. Any comparison table must normalise the units or it will rank Mashreq as an outlier purely through a presentation difference. WHETHER PROFIT IS WAIVED ON FULL SETTLEMENT IS THE SINGLE MOST VARIABLE TERM, and the wording matters more than the fact. RAKislamic states it flatly and contractually: 'No profit on retail transaction balances will be levied if 100% of the statement outstanding balance is paid on or before the payment due date.' Standard Chartered Saadiq is similarly firm but carves out cash: 'No Profit rate (excluding for Cash Advances) will be levied in case 100% payment is made on or before the payment due date.' Mashreq Al Islami, Emirates Islamic, ADIB, DIB and FAB all make it DISCRETIONARY — 'the Bank may waive the profit for that month at its sole discretion' (Mashreq), a 'Discretionary Rebate' (DIB), a shareholder-funded Bonus that FAB's own definitions say 'should not in any circumstances create a contractual obligation even if it is continuously or repeatedly given'. ADCB is the notable positive outlier among the windows, publishing an actual profit-free period of 20 to 25 days from transaction date on full settlement. MARKET SHARE — UNVERIFIED FIGURE, TREAT WITH CARE. A search-engine summary of the CBUAE's 'Banking Indicators December 2025' page reports the share of Islamic banks in total banking assets at 18.1% as of December 2025. That page was fetched directly (HTTP 200) but publishes its figures through a downloadable data file rather than in the rendered HTML, so the number could NOT be confirmed by primary read and is recorded here as unverified rather than asserted. Anyone publishing this figure should open the CBUAE statistics file itself first. AAOIFI: recorded as null rather than true. A direct read of the CBUAE 'Standard Re. Shari'ah Governance for Islamic Financial Institutions' found AAOIFI mentioned only as one of the bodies whose professional certification qualifies the head of an institution's internal Shari'ah control or audit function — not as a blanket adoption of AAOIFI Shari'ah standards. Individual products are certified against AAOIFI standards (ADIB's covered card cites Shari'ah Standard No. 61), but a general CBUAE adoption mandate was not verified in the documents read, so the field is left null instead of guessed.

Who decides what is compliant

Two tiers, and the upper one is binding. The Higher Shari'ah Authority (HSA) sits inside the Central Bank under Article 17 of Decretal Federal Law No. (14) of 2018: it has five to seven members appointed by the Governor, it 'shall determine the rules, standards, and general principles applicable to Shari'ah-compliant Licensed Financial Activities and business', and it supervises the Internal Shari'ah Supervision Committees of every Islamic financial institution. Article 17(7) is the load-bearing clause: 'The Fatawa and opinions of the Higher Shari'ah Authority shall be binding on the internal Shari'ah supervisory committees ... and on Licensed Financial Institutions which conduct the whole or part of their business and activities in accordance with the provisions of Islamic Shari'ah.' Each bank then appoints its own Internal Shari'ah Supervision Committee (ISSC), whose own resolutions are valid only so far as they do not contradict the HSA's. The HSA can also commission an external Shari'ah audit of any institution, at that institution's expense (Article 17(8)). Institutions bear the HSA's running costs. Practical consequence for a card comparison site: a UAE Islamic card's structure is not purely a bank-by-bank matter of scholarly opinion — there is a national backstop, which is why the structures cluster into a small number of recognisable families.

Rules that limit you

  • Debt burden ratio: total deductions from salary and regular income for ALL facilities, including credit cards, must not exceed 50% of gross salary and any regular income from a defined and specific source at any time — Regulation 29/2011 Article 7(a).
  • Credit card eligibility floor: cards may only be provided to persons whose annual income equals or exceeds AED 60,000, or against a pledged deposit of not less than AED 60,000 — Regulation 29/2011 Article 5(c). Note this is an ANNUAL figure, i.e. AED 5,000 a month, which is exactly the minimum monthly income most UAE issuers publish.
  • CORRECTION TO A WIDELY REPEATED CLAIM: the '20 times salary' cap is a PERSONAL LOAN limit, not a credit card limit. Article 2(b) caps a personal consumer loan at 20 times salary or total income, repayable within 48 months, and overdrafts count inside that same 20x envelope. For credit cards the Clarifications say something different: 'Credit card limit is allowed as additional facility but repayment of outstandings must remain within 50% of gross salary and any regular income.' The binding constraint on a card limit is the 50% DBR, not a salary multiple.
  • Card fee ceilings, quoted net of VAT (Consumer Protection Standards, Annexure): late payment max AED 230; card replacement AED 75; liability/no liability letter AED 50; duplicate statement AED 45; copy of sales voucher AED 65. With 5% VAT these become AED 241.50 and AED 78.75 respectively — the figures seen across the market.
  • Late-payment charges on Shariah products, including any commitment to donate to charity, must be based on administrative cost and must not include any remuneration to the institution — Consumer Protection Standards 2.1.3.12(b).

The contracts Emirati banks use

The contract is the whole difference between an Islamic card and a conventional one. These are the structures in use here.

Murabahah67Qard Hasan + Ujrah3Tawarruq10Salam14Ujrah2

Where to start

Lowest published rate

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

No annual fee

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

Narrow it down

Each list applies one rule to every card on sale here and shows what passes. A filter, not a ranking.

No annual fee28 cardsCashback20 cardsLowest minimum income32 cards
How these lists are built

Every issuer in United Arab Emirates

aafaq Islamic Finance

3 cards · fully Islamic bank

From No annual fee a year · 3.99% profit rate

Abu Dhabi Islamic Bank

15 cards · fully Islamic bank

From No annual fee a year · 3.75% profit rate

ADCB Islamic Banking

7 cards · Islamic window

From No annual fee a year · 3.69% profit rate

Ajman Bank

12 cards · fully Islamic bank

From Free for life a year · 3.5% profit rate

Al Hilal Bank

7 cards · fully Islamic bank

From Free a year · 3.69% profit rate

CBD Al Islami

2 cards · Islamic window

Dubai Islamic Bank

14 cards · fully Islamic bank

From No annual fee a year · 3.69% profit rate

Emirates Islamic

19 cards · fully Islamic bank

From No annual fee a year · 3.69% profit rate

Emirates NBD (Islamic)

0 cards · Islamic window

FAB Islamic

6 cards · Islamic window

From AED 300 a year · 3.99% profit rate

HSBC Amanah UAE

0 cards · Islamic window

Mashreq Al Islami

3 cards · Islamic window

From No annual fee a year · 46.2% profit rate

NBF Islamic

0 cards · Islamic window

Noor Bank

0 cards · fully Islamic bank

RAKislamic

5 cards · Islamic window

From No annual fee a year · 3.45% profit rate

ruya Community Islamic Bank

1 card · fully Islamic bank

From AED 313.95 a year · 3.5% profit rate

Sharjah Islamic Bank

6 cards · fully Islamic bank

From No annual fee a year · 2.49% profit rate

Standard Chartered Saadiq

1 card · Islamic window

From AED 315 a year · 3.69% profit rate

All 101 Islamic credit cards in United Arab Emirates

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

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

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

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

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

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

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

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

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 Platinum Credit Card

Annual fee
AED 525
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

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

Platinum Smart Covered Card

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

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

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

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

No longer offered

We keep withdrawn cards on the site because people still hold them and still search for them, and because a card quietly disappearing is itself worth knowing.

Abu Dhabi Islamic Bank

Booking Infinite Card

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

Full breakdown

Abu Dhabi Islamic Bank

Booking Signature Card

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

Full breakdown

Abu Dhabi Islamic Bank

Cashback Visa Platinum Card

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

Full breakdown

Abu Dhabi Islamic Bank

Dana Master Card

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

Full breakdown

Abu Dhabi Islamic Bank

Edge Card

Annual fee
AED 750
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Withdrawn

Full breakdown

Abu Dhabi Islamic Bank

Emirates Skywards World Card

Annual fee
Not published
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Withdrawn

Full breakdown

Abu Dhabi Islamic Bank

Emirates Skywards World Elite Card

Annual fee
Not published
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Withdrawn

Full breakdown

Abu Dhabi Islamic Bank

Etihad Guest Visa Classic Card

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

Full breakdown

Abu Dhabi Islamic Bank

Etisalat Classic Card

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

Full breakdown

Abu Dhabi Islamic Bank

Etisalat Gold Card

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

Full breakdown

Abu Dhabi Islamic Bank

Etisalat Visa Platinum Card

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

Full breakdown

Abu Dhabi Islamic Bank

Etisalat Visa Signature Card

Annual fee
AED 1,199
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Withdrawn

Full breakdown

Abu Dhabi Islamic Bank

Fast Card

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

Full breakdown

Abu Dhabi Islamic Bank

Football Card

Annual fee
AED 250
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Withdrawn

Full breakdown

Abu Dhabi Islamic Bank

Rotana Rewards Exclusive Visa Card

Annual fee
AED 1,250
Profit rate
3.75% /mo
Minimum income
AED 5,000 a month
Structure
Murabahah
Withdrawn

Full breakdown

Abu Dhabi Islamic Bank

Smiles Visa Gold Card

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

Full breakdown

Abu Dhabi Islamic Bank

Smiles Visa Platinum Card

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

Full breakdown

Abu Dhabi Islamic Bank

Spice Card

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

Full breakdown

Abu Dhabi Islamic Bank

Value Card

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

Full breakdown

Abu Dhabi Islamic Bank

Value+ Card

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

Full breakdown

Abu Dhabi Islamic Bank

Visa Cashback Card

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

Full breakdown

ADCB Islamic Banking

Etihad Guest Infinite Card

60,000 welcome Etihad Guest Miles and up to 3 miles per USD 1 spent (WITHDRAWN 30 Nov 2025)

Annual fee
Not published
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air milesWithdrawn

Full breakdown

ADCB Islamic Banking

Etihad Guest Platinum Card

12,000 welcome Etihad Guest Miles and up to 1.25 miles per USD 1 spent (WITHDRAWN 30 Nov 2025)

Annual fee
Not published
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air milesWithdrawn

Full breakdown

ADCB Islamic Banking

Etihad Guest Signature Card

35,000 welcome Etihad Guest Miles and up to 2 miles per USD 1 spent (WITHDRAWN 30 Nov 2025)

Annual fee
Not published
Profit rate
3.69% /mo
Minimum income
Not published
Structure
Murabahah
Air milesWithdrawn

Full breakdown

Al Hilal Bank

Al Hilal Bank Emirati World Mastercard

Annual fee
AED 787.50
Profit rate
2.99% /mo
Minimum income
Not published
Structure
Tawarruq
Withdrawn

Full breakdown

Al Hilal Bank

Al Hilal Bank World Elite Mastercard

Al Hilal's former top tier, on Joud Reward Points

Annual fee
AED 2,625
Profit rate
2.99% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown

Dubai Islamic Bank

Al Islami Classic Charge Card

Annual fee
AED 315
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Withdrawn

Full breakdown

Dubai Islamic Bank

Al Islami Classic Credit Card

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

Full breakdown

Dubai Islamic Bank

Al Islami Gold Charge Card

Annual fee
AED 420
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Withdrawn

Full breakdown

Dubai Islamic Bank

Al Islami Gold Credit Card

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

Full breakdown

Dubai Islamic Bank

Al Islami Gold Premium Credit Card

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

Full breakdown

Dubai Islamic Bank

Al Islami Infinite Credit Card

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

Full breakdown

Dubai Islamic Bank

Al Islami Platinum Charge Card

Annual fee
AED 1,050
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Withdrawn

Full breakdown

Dubai Islamic Bank

Al Islami Platinum Credit Card

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

Full breakdown

Dubai Islamic Bank

Al Islami Platinum Plus Credit Card

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

Full breakdown

Emirates Islamic

Expo Credit Card

Discontinued Expo 2020 Dubai co-brand card, on the EI SmartMiles programme

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air milesWithdrawn

Full breakdown

Emirates Islamic

Rewards Gold / Classic Card (Choice Points)

1 Choice Point per AED 1 on domestic and international spend

Annual fee
AED 210
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Reward pointsWithdrawn

Full breakdown

Emirates Islamic

Rewards Platinum Card (Choice Points)

2 Choice Points per AED 1 on domestic and international spend

Annual fee
AED 210
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Reward pointsWithdrawn

Full breakdown

Emirates Islamic

RTA Gold Card (Choice Points)

1 Choice Point per AED 2, with 5x earning on nol and Salik top-ups

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Reward pointsWithdrawn

Full breakdown

Emirates Islamic

Union Coop Tamayaz Card

Tamayaz Points redeemable against purchases at Union Coop stores

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

Full breakdown

Sharjah Islamic Bank

Classic Visa Credit Card

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

Full breakdown

Sharjah Islamic Bank

Platinum Visa Credit Card

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

Full breakdown

Standard Chartered Saadiq

Saadiq Platinum Murabaha

Annual fee
AED 300
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Murabahah
Withdrawn

Full breakdown

Standard Chartered Saadiq

Saadiq Platinum Ujrah

Annual fee
AED 750
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Withdrawn

Full breakdown