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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

United Arab Emirates · 20 cards

Islamic credit cards that pay cashback in the UAE

20 of the 85 Islamic credit cards on sale in the UAE pay their reward as cashback. The rate, the categories and the monthly cap differ a lot, so read the headline for each card.

How this list is built

Which cards are included
The card's reward is cashback, and the bank describes it as cashback. Cards that mix cashback with points, and cards that pay store credit or a one-off welcome bonus, are not included.
The order
Lowest published annual fee first, then alphabetical by bank and card name. Cards whose annual fee the bank does not publish come last.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

The 20 cards at a glance

CardAnnual feeProfit rateMinimum incomeRewards
LIFE Cashback Credit Card (Platinum)Ajman BankNo annual fee45.6% a yearAED 10,000 a month50% cashback on refreshments and snacks, 10% on noon/Amazon/Careem — with AED 50 monthly caps
Al Hilal Cashback Credit CardAl Hilal BankFree3.69% a monthNot publishedPick two categories for up to 5% cashback — but the rate is tiered by your monthly spend
Barça Cashback CardEmirates IslamicNo annual fee3.69% a monthNot publishedUp to 4% cashback on supermarkets, dining, fuel and sports
RTA Credit CardEmirates IslamicNo annual fee3.69% a monthNot published10% cashback on RTA transport payments and fuel, on a card with a built-in nol chip
MAI Cashback Credit CardMashreq Al IslamiNo annual fee46.2% a yearAED 5,000 a monthUp to 5% cashback on dining, and free for life
Cashback Visa Covered CardAbu Dhabi Islamic BankAED 993.75% a monthAED 5,000 a month4% cashback across five everyday categories, capped at AED 1,000 a month in total
Cashback Covered Card (Titanium)Sharjah Islamic BankAED 1993.49% a monthAED 5,000 a month10% cashback on online and digital-wallet spend, capped at AED 300 a month
Consumer Cashback Reward CardDubai Islamic BankAED 2103.69% a monthAED 5,000 a monthUp to 3% guaranteed cashback on everyday categories, capped AED 1,000 per billing cycle
Consumer Cashback Platinum CardDubai Islamic BankAED 261.453.69% a monthAED 15,000 a monthUp to 4% guaranteed cashback on everyday categories, capped AED 1,000 per billing cycle
Blue FAB Islamic Credit CardFAB IslamicAED 3003.99% a monthAED 15,000 a month10% cashback as Al-Futtaim FAB Rewards at Al-Futtaim retail brands
FAB Cashback Islamic Credit CardFAB IslamicAED 3003.99% a monthAED 5,000 a monthUp to 5% cashback on groceries, fuel and dining; up to AED 1,500 cashback a month
Cashback Plus CardEmirates IslamicAED 313.953.69% a monthNot publishedUp to 10% cashback on supermarkets, education, dining and telecom
Switch Cashback CardEmirates IslamicAED 313.953.69% a monthNot publishedUp to 8% cashback, switchable each month between a Lifestyle and a Travel category set
ruya Mastercard Cashback Credit Cardruya Community Islamic BankAED 313.953.5% a monthAED 5,000 a monthA flat 2% cashback on every purchase, capped at AED 500 per billing cycle
Cashback CardEmirates IslamicAED 367.503.69% a monthNot published5% guaranteed cashback on telecom and electronics, with no minimum spend
Islamic 365 Cashback CardADCB Islamic BankingAED 383.253.69% a monthAED 5,000 a month6% cashback on dining, 5% on fuel and Salik, 3% on groceries; up to AED 1,000 a month
ULTRACASH Mastercard Credit CardAjman BankAED 5003.5% a monthAED 10,000 a monthPick 2 of 4 everyday categories and earn up to 10% cashback
LIFE Cashback Credit Card (World)Ajman BankAED 60045.6% a yearAED 10,000 a month50% on refreshments, 10% online, 7% dine-in and 5% on international spend — AED 100 cap per category
ADCB Emirati Islamic CardADCB Islamic BankingAED 9453.69% a monthAED 8,000 a month7% cashback across seven categories, up to AED 1,500 a month, for UAE nationals only
Al Islami Super Saver Credit CardCBD Al IslamiNot publishedNot publishedAED 5,000 a monthUp to 10% cashback across four everyday categories, each capped at AED 200 a month

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Other ways to filter cards in the UAE

No annual fee28 cardsLowest minimum income32 cards

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in the UAE, with the issuers and the contracts they use.