Emirates Islamic Cashback Card
Guaranteed 5% back on telecom and electronics
at Emirates Islamic's secure site
Terms & conditions apply. See rates & fees.
Cashback rate
"This is cashback with the conditions stripped out: no monthly minimum, no tiers, no wallet thresholds — 5% on your phone bills and gadgets, credited within 15 days. The trade-off is everything else: a vague 'up to 1%' base rate, no travel perks, and an 367.50 fee that needs about 7,400 of telecom and electronics spending a year just to pay for itself."
Earning and redeeming Cashback Points
Two categories carry the card: telecom — Etisalat and du payments only — and electronics stores, both at a guaranteed 5%. Everything else, at home or abroad, earns up to 1%. Uniquely for a UAE cashback card, there is no minimum spend criteria whatsoever: your first earns.
Cashback accrues as points (redeemable against your card balance) and is credited within 15 days — no separate wallet, no 300 redemption floor. Balance transfers, cash advances and fees never earn. Supplementary cardholders — up to 4, free — earn cashback on their spending too.
Rates and fees
- Annual fee
- 367.50 (VAT inclusive) — no waiver or first-year-free offer advertised
- Profit rate
- 3.69% per month (44.28% APR) on unpaid balances — Murabaha structure
- Profit-free period
- Up to 55 days on retail purchases when the balance is paid in full
- Minimum payment
- 5% of the outstanding balance or 100, whichever is higher
- Foreign transaction fee
- 2.54% on non- transactions (plus ~1.15% network fee); 1.99% on -billed transactions processed abroad
- Cash advance
- 3.15% of the amount, minimum 103.95; max 10,000 or 50% of limit per transaction
- Late payment
- 131.25/month 'Commitment to Donate' — paid to charity under the bank's Sharia framework
- Over-limit fee
- 261.45 per month
- Supplementary cards
- Up to 4 free
- Minimum salary
- Not published — the bank applies a per-card minimum income requirement at application
Rates verified against Emirates Islamic's Key Facts Statement and Schedule of Charges (August 2026), VAT inclusive. Always confirm on the bank's site before applying.
Card benefits
5% with zero conditions
Guaranteed cashback on Etisalat/du payments and electronics purchases from your very first transaction — no minimum spend, no registration.
Purchase protection & extended warranty
Purchases are protected, and the manufacturer's warranty is extended by up to one year, automatically.
Cash on Call and 0% instalments
Convert your credit limit to cash or split purchases into easy payment plans at partner outlets.
Balance transfer facility
Consolidate other banks' card balances into one manageable payment.
Luxury Hotel Collection
Visa hotel privileges — rate guarantees, upgrades and amenities — at luxury properties worldwide.
Pros and cons
- 5% on telecom and electronics with no minimum spend requirement at all — rare in the UAE market
- Cashback is guaranteed and credited to the card within 15 days, not parked in a wallet with redemption hurdles
- Everything else still earns up to 1%, locally and abroad
- Up to 4 free supplementary cards, and their spends earn cashback too
- Fully Sharia-compliant Murabaha structure with charity-based late payment
- 367.50 annual fee — the highest of Emirates Islamic's three cashback cards — with no advertised waiver or first-year-free offer
- No lounge access, golf, valet or travel perks advertised for this card
- The base rate is 'up to 1%' — the bank doesn't publish exactly what general spending earns
- Cashback caps, if any, are not published
- 2.54% foreign-currency fee plus ~1.15% network fee on non- spends
Is it right for you?
Get this card if
- Your Etisalat/du bills and electronics purchases add up to 600+ a month — the 5% then clearly beats the fee.
- You want cashback with literally no minimum spend or tier tracking.
- You want a straightforward Sharia-compliant card and don't care about airport perks.
Consider skipping it if
- You want lounges, golf or travel benefits — this card advertises none.
- Your spending is broad rather than telecom/electronics-heavy — 'up to 1%' elsewhere won't cover 367.50.
- You'd rather have Emirates Islamic's Switch card: free first year, higher rates, more categories, real perks.
Alternatives to consider
Free first year, 4–8% on everyday categories, lounges and golf — the stronger card for most people at the same bank.
Best cashback cards →
Up to 10% on groceries, school fees, dining and telecom once your monthly spend crosses 17,500 — plus lounges and golf.
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
What cashback does the Emirates Islamic Cashback Card pay?+
5% guaranteed cashback on telecom payments (Etisalat and du only), 5% at electronics stores, and up to 1% on all other local and international purchases. There is no minimum spend requirement — you earn from your first transaction.
When is the cashback credited?+
Cashback is credited to the card account within 15 days. Redemption is done via Online Banking or the EI + mobile app under Cards → Rewards → Redemption.
Do I need to register to earn cashback?+
No. Holding the card automatically qualifies you — cashback accrues as long as the spend criteria are met.
Which transactions don't earn cashback?+
Balance transfers, cash advances, and fees and charges are not eligible for cashback.
Do supplementary cards earn cashback?+
Yes — spends on supplementary cards earn cashback, and you can have up to 4 supplementary cards free of charge.
Is the card Sharia compliant?+
Yes. The card is fully compliant with Sharia principles, structured on Murabaha. A 3.69% monthly profit rate applies to unpaid balances, and the bank charges no profit on accrued profit. Late payment triggers an AED 131.25 commitment-to-donate amount paid to charity.
What is the annual fee?+
AED 367.50 including VAT, per the bank's Key Facts Statement and Schedule of Charges. No fee waiver is advertised for this card.
Can I withdraw cash with the card?+
Yes, at Emirates Islamic branches and 780,000+ Visa ATMs worldwide. A cash advance fee of 3.15% (minimum AED 103.95) applies, up to AED 10,000 or 50% of your limit per transaction.
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.