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Cashback
Emirates Islamic
Cashback Credit Card
Min. salary
AED 5,000
Annual fee
AED 350
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
01Fees & rates
What it costs.
- Annual fee
- AED 350
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Balance Transfer facility available
- Up to 5% cashback on telecom and electronic store purchases
- Up to 2 ‘Buy 1 Get 1’ free Reel movie ticket offers every month
- Food and beverages credit of USD 25 at 900+ hotels with Visa Luxury Hotel Collection globally
- Quickly redeem your reward points through online and mobile banking
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.