Best Islamic credit cards in the UAE

Updated July 17, 2026 Fact checkedEditorial integrity

Sharia-compliant covered cards that skip conventional interest — with real rewards, from cashback to airline miles.

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Best OverallTravelEmiratesEtihadMarriottCash BackNo Annual FeeSigning Bonus0% LoansIslamic

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How Islamic credit cards work

Islamic cards replace interest with Sharia-compliant structures — typically murabaha, tawarruq or a fixed ujrah fee — approved by each bank’s Sharia board. Day to day they work like any card: you can earn cashback or miles, pay in installments and use the same networks.

Compare the fixed monthly fee or profit rate the same way you would an interest rate, and check what happens if you carry a balance — structures differ more between Islamic banks than headline rewards do.

Yajool's top picks at a glance
EEmirates IslamicCCashback
#1Best Islamic cashback

Emirates Islamic Cashback Plus Card

Cashback Min. salary AED 12,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.3 / 5Go to review

Our take: The strongest Sharia-compliant cashback card — high rates on groceries, dining and school fees with no interest, ever.

Heads up: Cashback is capped at AED 1,000 a month, and the boosted rates apply to domestic spend only — international purchases earn the 1% base rate.

Annual fee

AED 368AED 0/year
First year waived
Offer
Welcome offerUp to AED 500 Cashback
How to unlockSpend AED 5,000 · 2 statements

Cashback rate

4%Earn 4% cashback on supermarkets and groceries.
4%Earn 4% cashback on dining.
2%Earn 2% cashback on school fees.
1%Earn 1% cashback on all other purchases.

Key benefits

Foreign fees2.85%
Lounge accessNot included
Cashback capAED 1,000/month
1st year valueAED 1,800
Apply now

Why we chose it

The strongest Sharia-compliant cashback card — high rates on groceries, dining and school fees with no interest, ever.

Pros

  • Sharia-compliant murabaha structure
  • First-year fee waived (AED 368 value)
  • 4% cashback on groceries and dining
  • 2% back on school fees — rare in the UAE
  • AED 500 welcome cashback
  • Cashback posts automatically as statement credit

Cons

  • Fee becomes AED 368 after year one
  • Cashback capped at AED 1,000 a month
  • No lounge access
  • AED 12,000 minimum salary
  • Profit charges apply if you carry a balance
Annual fee (year 1)AED 0 — waived
Annual fee (year 2+)AED 368
Minimum salaryAED 12,000/month
Foreign transaction fee2.85%
0% installment planUp to 12 months
Welcome offerUp to AED 500 Cashback · Spend AED 5,000 · 2 statements
Interest rate3.09% per month
Earning cap1,000 / month
NetworkVisa Platinum
AADIBEEtihad Guest
#2Best Islamic travel card

ADIB Etihad Guest Visa Signature

Travel Min. salary AED 10,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.3 / 5Go to review

Our take: The strongest Etihad Guest earner in the market, with tier-mile accelerators for Abu Dhabi flyers.

Heads up: Accelerated miles apply to Etihad bookings and international spend; local AED spend earns at the base rate.

Annual fee

AED 999AED 0/year
First year waived
Offer
Welcome offer60,000 Etihad Guest Miles
How to unlockSpend AED 5,000 · 3 statements

Rewards rate

3xEarn 3 Guest Miles per AED 1 on Etihad bookings.
2xEarn 2 Guest Miles per AED 1 on international spend.
1xEarn 1 Guest Mile per AED 1 on everything else.

Key benefits

Foreign feesNone
Lounge access8 visits / year
Installments0% for 12 months
1st year valueAED 4,100
Apply now

Why we chose it

The strongest Etihad Guest earner in the market, with tier-mile accelerators for Abu Dhabi flyers.

Pros

  • 60,000-mile welcome bonus
  • First-year annual fee waived (AED 999 value)
  • Tier-mile accelerators toward Silver and Gold
  • 8 lounge visits per year
  • No foreign transaction fees
  • Sharia-compliant structure

Cons

  • AED 999 annual fee from year two
  • Base earn rate on local spend is modest
  • Best value requires flying Etihad regularly
  • Welcome bonus requires AED 5,000 spend in 90 days
Annual fee (year 1)AED 0 — waived
Annual fee (year 2+)AED 999
Minimum salaryAED 10,000/month
Foreign transaction feeNone
0% installment planUp to 12 months
Lounge access8 visits / year
Welcome offer60,000 Etihad Guest Miles · Spend AED 5,000 · 3 statements
Interest rate3.09% per month
NetworkVisa Signature

Frequently asked questions

They avoid conventional interest, but costs still exist — fixed monthly fees, profit rates or ujrah charges. Pay in full each month and, like any card, they cost little or nothing.

Yes — cashback, points and airline miles are all available on Sharia-compliant cards; the earning mechanics are the same as conventional cards.

Each issuing bank’s internal Sharia supervisory board, under the UAE’s Higher Sharia Authority at the Central Bank.

How we chose these cards

Yajool's editors score every UAE card on the same four pillars — rewards value, travel benefits, fees & costs, and eligibility. Category winners are re-checked monthly against current public offers. Read our full ratings methodology and see how the top pick performed in our Skywards Infinite editorial review.

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