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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

United Arab Emirates · 28 cards

Islamic credit cards with no annual fee in the UAE

28 of the 85 Islamic credit cards on sale in the UAE have a published annual fee of zero. Use this list to see which ones, then check the profit rate and the conditions before you apply.

How this list is built

Which cards are included
The bank's published annual fee for the main card is zero. Some banks attach a condition to that, such as a spending target from the second year. Where the bank states one, it is printed under the fee.
The order
Alphabetical by bank, then by card name. Every card here has a published annual fee of zero, so there is no fee to rank them by. Check any condition printed under a fee: some are free only in the first year, or only if you spend a set amount.
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 28 cards at a glance

CardAnnual feeProfit rateMinimum incomeRewards
Aafaq Platinum Credit Cardaafaq Islamic FinanceNo annual fee3.99% a monthAED 8,000 a monthMixed rewards
Smiles Classic CardAbu Dhabi Islamic BankNo annual fee3.75% a monthAED 5,000 a monthReward points
talabat ADCB Islamic CardADCB Islamic BankingNo annual fee3.69% a monthAED 5,000 a monthCashback
TouchPoints Gold Credit CardADCB Islamic BankingNo annual fee3.69% a monthAED 5,000 a monthReward points
BRight Titanium Credit CardAjman BankFree for life3.5% a monthNot publishedReward points
LIFE Cashback Credit Card (Platinum)Ajman BankNo annual fee45.6% a yearAED 10,000 a monthCashback
Al Hilal Cashback Credit CardAl Hilal BankFree3.69% a monthNot publishedCashback
My Home Covered CardDubai Islamic BankNo annual fee3.69% a monthNot publishedNone
Prime Classic CardDubai Islamic BankNo annual fee3.69% a monthNot publishedReward points
Prime Gold CardDubai Islamic BankNo annual fee3.69% a monthAED 5,000 a monthReward points
Prime Infinite CardDubai Islamic BankNo annual fee3.69% a monthAED 20,000 a monthReward points
Prime Platinum CardDubai Islamic BankNo annual fee3.69% a monthAED 5,000 a monthReward points
Prime Signature CardDubai Islamic BankNo annual fee3.69% a monthAED 15,000 a monthReward points
Amazon Platinum Credit CardEmirates IslamicNo annual fee3.69% a monthAED 5,000 a monthReward points
Amazon World Credit CardEmirates IslamicNo annual fee3.69% a monthAED 15,000 a monthReward points
Barça Cashback CardEmirates IslamicNo annual fee3.69% a monthNot publishedCashback
Emarati Credit CardEmirates IslamicNo Annual Membership Fee.3.59% a monthNot publishedAir miles
Flex Credit CardEmirates IslamicNo annual fee3.69% a monthNot publishedAir miles
RTA Credit CardEmirates IslamicNo annual fee3.69% a monthNot publishedCashback
MAI Cashback Credit CardMashreq Al IslamiNo annual fee46.2% a yearAED 5,000 a monthCashback
MAI Platinum Elite Credit CardMashreq Al IslamiNo annual fee46.2% a yearNot publishedReward points
My Ras Al Khaimah Platinum Credit CardRAKislamicNo annual fee2.75% a monthAED 8,000 a monthReward points
RAKislamic Platinum Credit CardRAKislamicNo annual fee3.45% a monthAED 5,000 a monthReward points
RAKislamic World Credit CardRAKislamicNo annual feeCondition: Product page: 'First year: No annual fee. Subsequent years: Free upon spending AED 50,000 in the previous year'.3.65% a monthAED 20,000 a monthReward points
Watani Credit CardRAKislamicNo annual feeCondition: Customers who apply for the Watani Credit Card from 2023 until 31 December 2026 are eligible for a lifetime annual fee waiver (terms apply).2.75% a monthAED 15,000 a monthMixed rewards
Smiles Excellence World Covered CardSharjah Islamic BankNo annual feeCondition: Held by an SIB Excellence Banking customer.2.49% a monthAED 5,000 a monthReward points
Smiles Titanium Covered CardSharjah Islamic BankFree for life2.49% a monthAED 5,000 a monthReward points
Smiles Visa Platinum Covered CardSharjah Islamic BankFree3.49% a monthNot publishedReward points

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Other ways to filter cards in the UAE

Cashback20 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.