Emirates Islamic Cashback Card, UAE
Credit cards are no longer just about convenience—they’re lifestyle companions, designed to maximize your savings, rewards, and experiences. Among the most popular options in the UAE, the Emirates Islamic Cashback Card has emerged as a trusted choice for residents looking to turn everyday spending into guaranteed value. With cash rewards on essentials like telecom and electronics, alongside luxury travel and entertainment perks, this card blends practical benefits with lifestyle upgrades.
Why the Emirates Islamic Cashback Card Stands Out
Dubai is a hub of smart consumers—whether it’s dining out at Jumeirah Beach, shopping at Dubai Mall, or paying your monthly Etisalat bill, every dirham spent counts. That’s where the Emirates Islamic Cashback Card steps in. Unlike many cards with complicated reward structures, it offers straightforward cashback with no minimum spend requirement. This means you start saving from your very first transaction.
Key highlights include:
- 5% guaranteed cashback on telecom expenses and electronic store purchases.
- Up to 1% cashback on all other domestic and international transactions.
- AED 200 joining gift voucher from noon.com (limited-time welcome offer).
- Complimentary Reel Cinemas movie tickets with “Buy 1 Get 1” access.
For UAE residents juggling bills, lifestyle spends, and travel plans, this card ensures that spending works in your favor.
Reward Features and Benefits
Everyday Cashback You Can Count On
Cashback is the card’s strongest feature. Whether you’re buying a new smartphone in Mall of the Emirates or settling your du/Etisalat bills online, the card returns money to your pocket. With no minimum spend threshold, you won’t miss out on rewards even if your usage varies month-to-month.
Lifestyle Privileges
Entertainment, dining, and travel experiences are built into the Emirates Islamic Cashback Card:
- Cinema offers: Up to 2 complimentary “Buy 1 Get 1” Reel Cinemas tickets every month (with AED 3,000 minimum spend).
- DragonPass Dine & Fly: Discounts at over 200 airport restaurants worldwide.
- Agoda hotel discount: Save up to 12% on more than 985,000 hotels and vacation rentals globally.
- YQ Meet & Assist: Up to 30% off VIP airport services across 450+ destinations.
Travel and Luxury Perks
Thanks to its Visa network benefits, cardholders enjoy the Visa Luxury Hotel Collection, with privileges such as:
- Complimentary room upgrades (when available).
- Free daily breakfast.
- Late check-out upon request.
- USD 25 food & beverage credit.
These benefits turn your hotel stays into an elevated experience—perfect for frequent travelers across the Gulf and beyond.
Security and Purchase Protection
Financial peace of mind is just as important as rewards. The Emirates Islamic Cashback Card provides:
- Purchase protection: Coverage up to USD 20,000 annually for theft or accidental damage.
- Extended warranty: Adds up to 12 months extra coverage on eligible purchases.
- Balance transfer facility: Move outstanding balances from other banks at 0% profit rate for six months.
- Cash on call: Instant access to funds when you need liquidity.
These features make it not just a rewards card, but also a safety net for your purchases.
Fees, Eligibility, and Application
Understanding the cost and eligibility requirements is crucial before applying.
Fees & Charges
- Annual Fee: AED 367.50 (inclusive of VAT).
- Profit Rate: 3.49% per month.
- Cash Advance Fee: 3% (minimum AED 199).
- Foreign Transaction Fee: 3.49%.
Eligibility Criteria
- Minimum salary: AED 5,000.
- Age requirement: 21 years and above.
- Nationality: UAE nationals and expatriates are both eligible.
- Employment status: Salaried or self-employed.
- Credit score: As per Emirates Islamic’s policy.
Documents Required
- For UAE Nationals: Emirates ID, passport copy, salary certificate/trade license, and 3–6 months’ bank statements.
- For Expats: Emirates ID, residence visa, passport copy, salary certificate/trade license, and recent bank statements.
How to Apply for the Emirates Islamic Cashback Card
Applying for the Emirates Islamic Cashback Card in the UAE is simple. You can apply directly via the Emirates Islamic website, at a branch, or through trusted comparison platforms.
At TheDubaiWeb.com, we recommend using official and authorized channels to ensure smooth processing and access to the latest offers. Our credit card guides help readers compare multiple banking products across Dubai, Sharjah, and Abu Dhabi—so you choose the one that fits your lifestyle best.
Emirates Islamic Cashback Card in the UAE: Final Verdict
The Emirates Islamic Cashback Card isn’t just another piece of plastic in your wallet—it’s a financial tool designed to save money, enhance your lifestyle, and provide security. With its generous cashback rewards, lifestyle perks, and global travel benefits, it’s particularly well-suited for young professionals, families, and frequent travelers across the UAE.
If you’re looking for a balance between practical savings and luxury experiences, this card delivers both.
Frequently Asked Questions (FAQ)
Q. What is the main benefit of the Emirates Islamic Cashback Card?
The card offers up to 5% cashback on telecom and electronics purchases, plus 1% cashback on all other spends, making it ideal for everyday savings.
Q. Is the Emirates Islamic Cashback Card free for life?
No, it carries an annual fee of AED 367.50 (inclusive of VAT).
Q. Can I get free movie tickets with this card?
Yes. You receive up to 2 complimentary “Buy 1 Get 1” Reel Cinemas tickets per month, provided you spend a minimum of AED 3,000.
Q. What is the minimum salary required for the Emirates Islamic Cashback Card?
Applicants need a monthly salary of at least AED 5,000.
Q. Can expatriates apply for this card?
Yes. Both UAE nationals and expatriates are eligible, provided they meet the salary and documentation requirements.
Q. How does cashback redemption work?
Cashback is redeemed via Emirates Islamic’s online or mobile banking platforms.
Q. Does the Emirates Islamic Cashback Card support Apple Pay and Google Pay?
Yes, it can be linked to mobile wallets for contactless payments across the UAE.
Q. How does the Emirates Islamic Cashback Card compare with other cashback cards in Dubai?
While some cards offer higher cashback in niche categories (e.g., fuel or groceries), the Emirates Islamic Cashback Card is valued for its straightforward structure, no minimum spend, and balanced lifestyle benefits.
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