Emirates Islamic Amazon Platinum 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
“This is the rare entry-level card that earns exactly like its premium sibling — same 6% on Amazon, same free-for-life fee, just fewer perks around it. If you have Prime and earn 5,000-15,000, there's very little to think about; without Prime, skip it.”
Earning and redeeming Amazon Reward Points
The Platinum card uses the same earn table as the Amazon World card, keyed to 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. Everyday categories — government services, utilities, supermarkets, education, insurance, real estate, car dealerships, fast food and fuel — earn 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
4 lounge visits a year
Mastercard Travel Pass access to 20+ regional and international Dragonpass lounges. First visit free; keep access active with a USD 1+ international 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.
Purchase protection
Theft and accidental-damage cover for 180 days from purchase — up to USD 2,000 per claim and USD 5,000 over 12 months.
Everyday partner offers
20% off one talabat order a month, 10% off Justlife home services and 25% off your first Fiit subscription.
Travel discounts
Up to 20% off Air Arabia fares (to 6 Sep 2026), 25% off MakeMyTrip flights and hotels, and up to 20% off Avis rentals.
Hotel offers
Up to 7% wallet credit on Booking.com stays and 15% off IHG Hotels & Resorts rooms with welcome drink and late checkout.
Pros and cons
- No annual fee, ever — free for life
- Identical 6% Amazon and 2.5% international earn rates to the pricier World variant
- Accessible 5,000 income requirement
- Simple rewards: 1 point = 1 off at Amazon.ae checkout, valid 5 years
- Purchase protection up to USD 2,000 per claim for 180 days
- 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
- Only 4 lounge visits at 20+ lounges, and no golf, valet or travel insurance like the World card
Is it right for you?
Get this card if
- You have Amazon Prime and order from Amazon.ae most weeks
- You earn between 5,000 and 15,000 a month
- You want a free-for-life card with premium-level earn rates
- You pay your balance in full every month
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 earn 15,000+ — the World variant adds golf, valet, travel insurance and 8 lounge visits for the same 0 fee
Alternatives to consider
The Amazon World variant keeps the same earn rates and 0 fee but adds golf, valet, travel insurance and 8 lounge visits a year.
Best Islamic credit cards →
Emirates Islamic's Cashback Card pays rewards you can use anywhere instead of points locked to Amazon.ae.
Best cashback 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 →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 Platinum 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 is the minimum income for the Amazon Platinum card?+
Monthly income above AED 5,000. From AED 15,000 the bank offers the Amazon World variant instead — the bank assigns the variant by income band.
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 Platinum Credit Card.
Does the card include airport lounge access?+
Yes — up to 4 complimentary visits per year to 20+ Dragonpass lounges via the Mastercard Travel Pass app, with a small international purchase every 3 months to keep access active.
Is the Amazon Platinum 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.