Emirates Islamic Amazon World Credit Card
Earn up to 500 in welcome Amazon Reward Points
at Emirates Islamic's secure site
Spend 10,000 retail + 2,500 in foreign currency within 60 days (Prime). See rates & fees.
Rewards rate
“If you have Prime and an Amazon habit, this card pays for itself instantly because it never charges a fee — 6% back in points that are literally off your next order. Just don't put fuel, groceries or bills on it, and know the rates halve the day your Prime lapses.”
Earning and redeeming Amazon Reward Points
The card earns Amazon Reward Points based on your daily Prime status: 6% on Amazon.ae, 2% on Amazon Fresh and gift cards, 2.5% on international spend (outside the UK/EEA) and up to 2% on other domestic spend. A long list of everyday categories — government services, utilities, supermarkets, education, insurance, real estate, car dealerships, fast food and fuel — earns just 0.25%.
Redemption is the simplest in the UAE market: 1 point = 1 off at Amazon.ae checkout once the card is added as a payment method. Points land within 3 days of a transaction posting, last 5 years, and there is no monthly earning cap — though points only accrue on spend up to your credit limit each month, and bank-channel bill payments earn nothing.
Related: Best cards for online shopping in the UAE
Rates and fees
- Annual fee
- 0 — free for life, no joining fee advertised.
- Profit rate
- 3.69% per month (44.28% APR) on unpaid balances; up to 55 profit-free days when you pay in full.
- Foreign currency fee
- 2.34%, plus a ~1.15% Mastercard scheme processing fee. Paying in abroad (DCC) costs 1.99% instead.
- Cash advance
- 3.15% of the amount (min 103.95), up to 10,000 or 50% of limit per withdrawal.
- Late payment
- 131.25 per month, charged as a Shariah-compliant donation to charity.
- Over-limit fee
- 261.45 per billing cycle.
- Minimum payment
- 5% of the closing balance or 100, whichever is higher.
All charges include 5% VAT, per the Emirates Islamic credit cards Key Facts Statement (May 2026 edition). The card uses a Murabaha structure.
Card benefits
8 lounge visits a year
Mastercard Travel Pass access to 1,300+ lounges in 450+ cities. First visit free; keep access unlocked with a USD 1+ foreign-currency purchase every 3 months. Guests USD 32.
Reel Cinemas BOGO
Up to 2 buy-1-get-1 movie tickets a month at Reel Cinemas with 3,000 monthly spend.
Complimentary golf
Two rounds a month at Arabian Ranches, Jebel Ali or Abu Dhabi Golf Club with 5,000 monthly spend.
Monthly valet parking
1 complimentary valet service a month at select UAE locations with 5,000 monthly spend.
Travel medical insurance
Mastercard World cover up to USD 500,000 for accidents, evacuation and emergencies — family, helper and visiting parents included when trips go on the card.
Everyday partner offers
40 off Carrefour online monthly, 20% off one talabat order, 10% off Justlife services and free Costa items at Dubai airports.
Pros and cons
- No annual fee, ever — free for life
- Up to 6% back on Amazon.ae with Prime, with no monthly points cap
- Solid 2.5% on international spend outside the UK/EEA
- Simple rewards: 1 point = 1 off at Amazon.ae checkout, valid 5 years
- 8 lounge visits a year plus golf, valet, cinema and Carrefour perks
- Apple Pay is not supported
- Earn rates drop sharply without Prime — 3% on Amazon, 1% international
- Fuel, supermarkets, government, utilities and education earn just 0.25%
- Points can only be spent on Amazon.ae — no cashback, transfers or travel redemptions
- 2.34% foreign-currency fee (plus a ~1.15% scheme fee) eats into the 2.5% international earn
Is it right for you?
Get this card if
- You have Amazon Prime and order from Amazon.ae most weeks
- You want a genuinely free-for-life card with no fee to justify
- You spend abroad (outside the UK/EEA) and want 2.5% back on it
- You earn 15,000+ a month and pay your balance in full
Consider skipping it if
- You don't have Prime — rates drop to 3% / 1% and better cards exist
- Apple Pay is a must-have for you
- Most of your spend is groceries, fuel, school fees or bills (0.25%)
- You'd rather earn flexible cashback or airline miles than Amazon credit
Alternatives to consider
Same 6% Amazon earn engine and free-for-life fee with an 5,000 income bar — you trade away golf, valet and most travel perks.
Best Islamic credit cards →
Emirates NBD's noon co-brand plays the same game for the other big UAE marketplace — pick the card that matches where you actually shop.
Best cards for online shopping →
Emirates Islamic's Switch Cashback pays real cashback you can use anywhere instead of points locked to Amazon.ae.
Best cashback cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Does the Emirates Islamic Amazon World Credit Card have an annual fee?+
No. It is a free-for-life card with no annual membership fee, confirmed in the bank's Key Facts Statement.
What are Amazon Reward Points worth?+
1 Amazon Reward Point = AED 1 as a discount on Amazon.ae. You redeem at Amazon checkout after adding the card as a payment method.
Do Amazon Reward Points expire?+
Yes — points expire 5 years from the date they are credited to your wallet.
Do I need Amazon Prime to earn the 6% rate?+
Yes. The 6% on-Amazon rate (and 2.5% international) applies to Prime members, checked on your daily Prime status. Without Prime you earn 3% on Amazon and 1% internationally.
Does the card support Apple Pay?+
No — the bank states Apple Pay is not supported for the Amazon World Credit Card.
Will supplementary cards earn Amazon Reward Points?+
Yes. Supplementary card spending counts toward the primary account's monthly spend and earns points at the applicable rates, calculated at account level.
What is the minimum income for this card?+
Monthly income above AED 15,000. If you earn between AED 5,000 and 14,999, Emirates Islamic points you to the Amazon Platinum Credit Card instead.
Is the Amazon World Credit Card Sharia-compliant?+
Yes. Like all Emirates Islamic credit cards it uses a Murabaha structure, and late payments are charged as a charity donation (AED 131.25) rather than penalty interest.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.