Emirates Islamic Cashback Plus Card
Up to 10% back on groceries, school fees, dining and telecom
at Emirates Islamic's secure site
Terms & conditions apply. See rates & fees.
Cashback rate
"Cashback Plus pays its best rates exactly where UAE families spend — supermarkets, school fees, restaurants, phone bills — and stacks a premium-feeling perk set on top. But be honest with yourself about your monthly total: at 5,000 a month you're a 3% cardholder, not a 10% one, and the 200 category caps mean even big spenders top out at 800 a month."
Earning and redeeming Cashback Points
Four categories earn: supermarkets, education, dining and telecom, in the UAE and abroad. The rate is set by your total monthly card spend — everything counts toward the tier, but only the four categories earn. 3,000–9,999 pays 3%, 10,000–17,499 pays 5%, and 17,500+ unlocks the full 10%. Each category caps at 200 cashback a month, and months below 3,000 earn nothing.
Points are worth 1 each and redeem in seconds through Online Banking or the EI + app (Cards → Rewards → Redemption). They stay valid for 2 years — after that, or if you cancel the card, unredeemed points are forfeited. Balance transfers, cash advances, instalment plans, fees and refunds never earn.
Rates and fees
- Annual fee
- 313.95 (VAT inclusive) for the primary card; supplementary cards free (up to 4)
- 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
- Late payment
- 131.25/month 'Commitment to Donate' — paid to charity under the bank's Sharia framework
- Over-limit fee
- 261.45 per month
- 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
Up to 10% on family essentials
Supermarkets, education, dining and telecom — in the UAE and abroad — at 3%, 5% or 10% depending on your total monthly spend.
Unlimited lounge access
1,000+ lounges worldwide via Visa Airport Companion for you, a guest and your supplementary cardholders — with the usual first-visit-free, then small-FX-spend conditions.
Two golf rounds a month
Free rounds at top UAE clubs with 5,000 monthly spend.
Movies half price — or better
50% cashback on cinema tickets anywhere in the UAE ( 5,000 monthly spend, 100/month cap), plus 20% off at Roxy Cinemas.
Dubai commuter perks
Automatic Salik top-ups and Gold Class cabin access on the Dubai Metro.
Purchase protection & warranty
Cover for lost, stolen or damaged purchases and up to one extra year of manufacturer's warranty, automatically.
Pros and cons
- 10% on groceries, school fees, dining and telecom is among the highest category rates in the UAE — and works abroad too
- The four bonus categories are exactly where UAE family budgets go
- Unlimited lounge access with a guest, golf, valet, movie cashback and Sharjah Ladies Club — a big perk set for a mid-fee card
- Salik auto top-up and metro Gold Class are genuinely useful Dubai commuter extras
- Simple redemption: 1 point = 1, redeemed in-app in seconds
- The 10% rate needs 17,500+ of TOTAL monthly spend — at 3,000–9,999 you only earn 3%
- 200 monthly cap per category limits maximum cashback to 800 a month
- Spending below 3,000 in a month earns nothing at all
- No published rate on spending outside the four bonus categories
- Most lifestyle perks (golf, valet, movies, meet & greet) require 5,000 monthly spend
- 2.54% foreign-currency fee plus ~1.15% network fee on non- spends
Is it right for you?
Get this card if
- Your total card spend is 10,000+ a month and concentrated in groceries, school fees, dining and telecom.
- You want Islamic cashback plus a genuinely premium perk set — lounges, golf, valet, movies — at a mid-tier fee.
- You drive Salik roads or ride the metro daily and will actually use the RTA extras.
Consider skipping it if
- You spend under 3,000 a month on cards — this card would earn you literally nothing.
- Your spending is spread across categories the card doesn't boost — there's no published base rate.
- You want simple, flat cashback without spend tiers and caps to track.
Alternatives to consider
Flat 4–8% accelerated rates from 2,500 monthly spend, a free first year and a switchable travel mode — no tiers to climb.
Best cashback cards →
Guaranteed 5% on telecom and electronics with no minimum spend at all — fewer perks, fewer conditions.
Best Islamic cards →
A conventional premium card earning TouchPoints on everything, redeemable for cashback, travel and more.
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
How does Cashback Plus tiered earning work?+
Your cashback rate on supermarkets, education, dining and telecom depends on your TOTAL monthly card spend: 0% below AED 3,000; 3% from AED 3,000–9,999; 5% from AED 10,000–17,499; and 10% at AED 17,500 or more. All card spending counts toward the tier, but only the four categories earn cashback.
Is there a cap on cashback?+
Yes — AED 200 per category per month (AED 800 total across supermarkets, education, dining and telecom).
What is a Cashback Point worth?+
1 Cashback Point = AED 1. Redeem within seconds via Online Banking or the EI + app under Cards → Rewards → Redemption.
What is the annual fee?+
AED 299 excluding VAT (AED 313.95 including VAT) for the primary cardholder. Supplementary cards are free.
Do the points expire?+
Yes. Cashback Plus points are valid for 2 years from the date of earning; unredeemed points expire, and any balance is forfeited if the card is cancelled.
Which transactions don't earn cashback?+
Balance transfers, cash withdrawals and advances, easy payment plan and school-fee plan instalments, fees and charges, card payments, merchant refunds, and other transactions the bank determines from time to time.
Is the card Sharia compliant?+
Yes. Emirates Islamic cards use the Murabaha structure. A 3.69% monthly profit rate applies to unpaid balances, and late payment triggers an AED 131.25 commitment-to-donate amount paid to charity.
Does the card include airport lounge access?+
Yes — unlimited complimentary access to 1,000+ lounges worldwide via the Visa Airport Companion app, for primary and supplementary cardholders. The first visit each calendar year is free; later free visits require a small foreign-currency spend 15 days before travel, otherwise USD 32 per visit applies.
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.