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Islamic Credit Cards

United Arab Emirates · 7 cards

Al Hilal Bank Islamic credit cards

Every Shariah-compliant card Al Hilal Bank currently offers, with the contract behind each one and the fee schedule it came from.

Fully Islamic bank3 with no annual feeTawarruq

Who Al Hilal Bank are

A fully Islamic bank — every product it offers is Shariah-compliant.

ALIVE AND ISSUING. Al Hilal Bank relaunched as a fully digital bank on 2 February 2022 (its own press release) and still actively sells two consumer credit cards: the Al Hilal Cashback Credit Card and the Al Hilal Bank World Mastercard Credit Card. Its current Schedule of Fees (V3.7, June 2026) carries fee tables for seven more card products: World Elite Mastercard and Emirati World Mastercard (both on the bank's own 'Legacy Cards' page, recorded as discontinued), Platinum Smart Covered Card and Mastercard Platinum Credit Card (fee schedule only, no product page), and Etihad Guest Infinite / Signature / Platinum (fee schedule only; the World Mastercard fee table refers throughout to 'migrated Etihad Guest cards'). All cards are 'Covered Credit Cards' based on Tawarruq. PARENT NOT VERIFIED: the brief's premise that Al Hilal is part of ADCB Group could NOT be confirmed from any Al Hilal or CBUAE page read in this research — the only ADCB reference on the site is 'ADCB ATMs' in the branch locator, which is suggestive but not proof of ownership. Recorded as null rather than asserted.

Legal name
Al Hilal Bank PJSC
Head office
Abu Dhabi, UAE
Regulator
Central Bank of the UAE (and the Securities and Commodities Authority under licence 601035, for promotion activity)
Shariah board
Internal Shariah Supervision Committeesource
alhilalbank.ae

All 7 Al Hilal Bank Islamic credit cards

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 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

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

Etihad Guest Platinum Credit Card

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

Full breakdown

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

Mastercard Platinum Credit Card

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

Full breakdown

Platinum Smart Covered Card

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

Full breakdown

Cards Al Hilal Bank no longer offers

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 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

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