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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

United Arab Emirates · 7 cards

ADCB Islamic Banking credit cards

Every Shariah-compliant card ADCB Islamic Banking currently offers, with the contract behind each one and the fee schedule it came from.

Islamic window2 with no annual feeMurabahah

Who ADCB Islamic Banking are

An Islamic window: a Shariah-compliant division inside a conventional bank.

ADCB Islamic Banking is the Islamic window of Abu Dhabi Commercial Bank PJSC, which appears on the CBUAE 'List of Banks with Islamic Windows'. ADCB brands its Islamic cards 'covered cards'. Ten consumer Islamic cards were found: seven active (365 Cashback, Emirati, Shukran, talabat, TouchPoints Gold / Platinum / Infinite) and three discontinued on 30 November 2025 (Etihad Guest Platinum / Signature / Infinite). All run on a Commodity Murabaha + Wakala Investment Account structure with a stated 20-25 day profit-free period on full settlement. Annual fees vary by customer segment (Aspire / Privilege-Emirati / Excellency-Emirati Excellency). ADCB also operates 'ADCB Islamic' under the adcbislamic.com brand domain.

Legal name
Abu Dhabi Commercial Bank PJSC
Parent group
Abu Dhabi Commercial Bank PJSC
Head office
Abu Dhabi, UAE
Regulator
Central Bank of the UAE
Shariah board
ADCB Internal Shari'ah Supervision Committee (ISSC)source
adcb.com/en/islamic/personal/

All 7 ADCB Islamic Banking Islamic credit cards

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

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

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

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

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

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

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

Cards ADCB Islamic Banking no longer offers

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

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

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

Other Islamic card issuers in United Arab Emirates

aafaq Islamic Finance3 cards · from No annual feeAbu Dhabi Islamic Bank15 cards · from No annual feeAjman Bank12 cards · from Free for lifeAl Hilal Bank7 cards · from FreeCBD Al Islami2 cardsDubai Islamic Bank14 cards · from No annual feeEmirates Islamic19 cards · from No annual feeEmirates NBD (Islamic)0 cards