United Arab Emirates · 32 cards

Islamic credit cards with the lowest minimum income in the UAE

If your income is modest, start here. 57 of the 85 cards on sale in the UAE publish a minimum income, and the 32 with the lowest figures are listed below, lowest first.

How this list is built

Which cards are included: The 12 cards with the lowest minimum monthly income the bank publishes, plus any card tied with the 12th. Cards that publish no minimum income are left out, because we will not guess one.
The order: Lowest minimum monthly income first, then lowest annual fee, then alphabetical by bank and card name.
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.

28 cards are left out because the bank publishes no minimum income

Of the 85 cards on sale in the UAE, 28 do not have a published minimum income, so they cannot be placed in this order. That does not mean they have a high one. Ask the bank. A further 25 cards publish a higher minimum income than the ones shown here.

The 32 cards at a glance

Card	Minimum income	Annual fee	Profit rate	Rewards
Smiles Classic CardAbu Dhabi Islamic Bank	AED 5,000 a month	No annual fee	3.75% a month	Reward points
talabat ADCB Islamic CardADCB Islamic Banking	AED 5,000 a month	No annual fee	3.69% a month	Cashback
TouchPoints Gold Credit CardADCB Islamic Banking	AED 5,000 a month	No annual fee	3.69% a month	Reward points
Prime Gold CardDubai Islamic Bank	AED 5,000 a month	No annual fee	3.69% a month	Reward points
Prime Platinum CardDubai Islamic Bank	AED 5,000 a month	No annual fee	3.69% a month	Reward points
Amazon Platinum Credit CardEmirates Islamic	AED 5,000 a month	No annual fee	3.69% a month	Reward points
MAI Cashback Credit CardMashreq Al Islami	AED 5,000 a month	No annual fee	46.2% a year	Cashback
RAKislamic Platinum Credit CardRAKislamic	AED 5,000 a month	No annual fee	3.45% a month	Reward points
Smiles Excellence World Covered CardSharjah Islamic Bank	AED 5,000 a month	No annual fee	2.49% a month	Reward points
Smiles Titanium Covered CardSharjah Islamic Bank	AED 5,000 a month	Free for life	2.49% a month	Reward points
Cashback Visa Covered CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 99	3.75% a month	Cashback
Exceed Visa Covered CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 99	3.75% a month	Reward points
Exceed Visa Platinum Covered CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 199	3.75% a month	Reward points
SHARE Visa Platinum CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 199	3.75% a month	Reward points
Cashback Covered Card (Titanium)Sharjah Islamic Bank	AED 5,000 a month	AED 199	3.49% a month	Cashback
Aafaq Titanium Credit Cardaafaq Islamic Finance	AED 5,000 a month	AED 200	3.99% a month	None
Consumer Cashback Reward CardDubai Islamic Bank	AED 5,000 a month	AED 210	3.69% a month	Cashback
Shukran ADCB Islamic CardADCB Islamic Banking	AED 5,000 a month	AED 262.50	3.69% a month	Reward points
Booking.com Visa Signature CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 299	3.75% a month	Mixed rewards
FAB Cashback Islamic Credit CardFAB Islamic	AED 5,000 a month	AED 300	3.99% a month	Cashback
ruya Mastercard Cashback Credit Cardruya Community Islamic Bank	AED 5,000 a month	AED 313.95	3.5% a month	Cashback
Islamic 365 Cashback CardADCB Islamic Banking	AED 5,000 a month	AED 383.25	3.69% a month	Cashback
Smiles World Covered CardSharjah Islamic Bank	AED 5,000 a month	AED 525	2.49% a month	Reward points
TouchPoints Platinum Credit CardADCB Islamic Banking	AED 5,000 a month	AED 630	3.69% a month	Reward points
Smiles World Elite Covered CardSharjah Islamic Bank	AED 5,000 a month	AED 733.95	2.49% a month	Reward points
SHARE Visa Infinite CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 999	3.75% a month	Reward points
Etihad Guest Visa Gold CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 1,000	3.75% a month	Air miles
Emirates Skywards Visa Signature CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 1,500	3.75% a month	Air miles
Etihad Guest Visa Platinum CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 2,000	3.75% a month	Air miles
Etihad Guest Visa Infinite CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 3,000	3.75% a month	Air miles
Emirates Skywards Visa Infinite CardAbu Dhabi Islamic Bank	AED 5,000 a month	AED 4,500	3.75% a month	Air miles
Al Islami Super Saver Credit CardCBD Al Islami	AED 5,000 a month	Not published	Not published	Cashback

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

Abu Dhabi Islamic Bank

Smiles Classic Card

MurabahahClassic

Visa

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

ADCB Islamic Banking

talabat ADCB Islamic Card

MurabahahPlatinum

Mastercard

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

MurabahahGold

Visa

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

Dubai Islamic Bank

Prime Gold Card

SalamGold

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 Platinum Card

SalamPlatinum

Visa

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

Emirates Islamic

Amazon Platinum Credit Card

MurabahahPlatinum

Mastercard

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

Mashreq Al Islami

MAI Cashback Credit Card

Tawarruqother

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

RAKislamic

RAKislamic Platinum Credit Card

MurabahahPlatinum

Mastercard

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

Sharjah Islamic Bank

Smiles Excellence World Covered Card

MurabahahWorld

Mastercard

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

MurabahahTitanium

Mastercard

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

Abu Dhabi Islamic Bank

Cashback Visa Covered Card

Murabahahother

Visa

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

Exceed Visa Covered Card

Murabahahother

Visa

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

MurabahahPlatinum

Visa

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

SHARE Visa Platinum Card

MurabahahPlatinum

Visa

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

Sharjah Islamic Bank

Cashback Covered Card (Titanium)

MurabahahTitanium

Mastercard

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

aafaq Islamic Finance

Aafaq Titanium Credit Card

MurabahahTitanium

Mastercard

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

Dubai Islamic Bank

Consumer Cashback Reward Card

Salamother

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

ADCB Islamic Banking

Shukran ADCB Islamic Card

MurabahahPlatinum

Visa

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

Abu Dhabi Islamic Bank

Booking.com Visa Signature Card

MurabahahSignature

Visa

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

FAB Islamic

FAB Cashback Islamic Credit Card

MurabahahWorld

Mastercard

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

ruya Community Islamic Bank

ruya Mastercard Cashback Credit Card

Murabahahother

Mastercard

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

ADCB Islamic Banking

Islamic 365 Cashback Card

MurabahahPlatinum

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

Sharjah Islamic Bank

Smiles World Covered Card

MurabahahWorld

Mastercard

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

ADCB Islamic Banking

TouchPoints Platinum Credit Card

MurabahahPlatinum

Visa

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

Sharjah Islamic Bank

Smiles World Elite Covered Card

MurabahahWorld Elite

Mastercard

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

Abu Dhabi Islamic Bank

SHARE Visa Infinite Card

MurabahahInfinite

Visa

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

Etihad Guest Visa Gold Card

MurabahahGold

Visa

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

Emirates Skywards Visa Signature Card

MurabahahSignature

Visa

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 Platinum Card

MurabahahPlatinum

Visa

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

Etihad Guest Visa Infinite Card

MurabahahInfinite

Visa

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

Emirates Skywards Visa Infinite Card

MurabahahInfinite

Visa

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

CBD Al Islami

Al Islami Super Saver Credit Card

Signature

Visa

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 cards Cashback20 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.