If you’re living in the UAE, you know how everyday expenses like groceries, dining, telecom, and education quickly add up. Now imagine turning those very expenses into rewards. The Emirates Islamic Cashback Plus Card does exactly that—transforming your routine spending into valuable cashback, travel perks, and lifestyle benefits that fit Dubai’s fast-paced rhythm.

This card isn’t just another cashback product—it’s one of Emirates Islamic’s flagship offerings, designed to meet the lifestyle of professionals, families, and frequent travelers in the Emirates. Let’s dive deep into what makes this credit card stand out, and why it’s becoming a favorite across Dubai, Abu Dhabi, and the wider UAE.

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Key Highlights of the Emirates Islamic Cashback Plus Card

Up to 10% cashback on groceries, dining, telecom, and education.
Unlimited airport lounge access to 1,000+ lounges worldwide.
Complimentary golf rounds every month at premium UAE golf courses.
Valet parking in Dubai—one complimentary service each month.
Welcome gift worth AED 500 with noon.com (limited-time offer).

It’s a cashback card that goes beyond just savings—it opens the door to exclusive travel, lifestyle, and shopping privileges that align perfectly with the UAE’s dynamic lifestyle.

Cashback Rewards Explained

One of the most common questions readers ask is: “How much cashback can I actually earn?”

Here’s the breakdown of the Emirates Islamic Cashback Plus Card’s tiered cashback system:

Monthly spend below AED 3,000 → No cashback.
AED 3,000 – AED 9,999 → 3% cashback.
AED 10,000 – AED 17,499 → 5% cashback.
Above AED 17,500 → 10% cashback.

👉 Monthly cashback cap: AED 200 across eligible categories (groceries, telecom, dining, and education).

This makes the card particularly attractive for families or professionals who already cross the AED 10,000 monthly spend mark—unlocking higher tiers of cashback effortlessly.

Fees and Charges You Should Know

Minimum Salary Requirement: AED 12,000
Annual Fee: AED 299
Finance Charges: 3.49% per month
Cash Advance Fee: 3.15% or AED 103.95 minimum
Foreign Transaction Fee: 3.49% on non-AED purchases

💡 Tip: If you frequently spend abroad, consider pairing this card with a zero-foreign transaction fee card for maximum savings.

Exclusive Lifestyle and Travel Benefits

The Emirates Islamic Cashback Plus Card is more than a financial tool—it’s a lifestyle enabler. Here are some benefits that add depth to its appeal:

Travel Privileges

Airport Lounge Access: Unlimited complimentary access to 1,000+ lounges worldwide.
Travel Insurance: Coverage for trips up to 90 days, including accidents and inconveniences.
Luxury Hotel Collection: Exclusive benefits at 900+ global hotels, such as complimentary breakfast, upgrades, and late checkout.
Visa Travel Offers: Up to 35% off hotels, car rentals, and experiences.

Lifestyle Enhancements

Golf Benefits: Up to 2 complimentary rounds per month at premium courses with AED 5,000 spend.
Cinemas: Buy 1 Get 1 free at Reel Cinemas; 20% off at Roxy Cinemas.
Ladies’ Club Access: Complimentary entry at Dubai and Sharjah Ladies Clubs with qualifying spend.
Valet Parking: One free service per month with AED 3,000 spend—perfect for Dubai’s busy shopping malls.

Everyday Savings

Salik Auto Top-Up: Never worry about missed toll payments.
Easy Payment Plans: 0% installment options at partner outlets for 3–12 months.
Purchase Protection & Extended Warranty: Safeguards big-ticket purchases against theft, damage, and manufacturer defects.

Joining Bonus: Noon.com Voucher

For new applicants, Emirates Islamic is offering a AED 500 Noon.com voucher (including Noon Food and Noon Daily). To qualify, you’ll need to:

Apply and get approved by the promotional deadline.
Spend AED 5,000 within the qualifying period.

It’s a strong incentive if you’re already a frequent Noon user in Dubai or across the UAE.

Who Should Consider This Card?

The Emirates Islamic Cashback Plus Card is best suited for:

Families in the UAE who spend significantly on groceries, school fees, and telecom.
Frequent travelers who want unlimited lounge access and travel insurance bundled into one card.
Dubai professionals who value lifestyle perks like valet parking, cinema deals, and golf access.
Shoppers who can benefit from the welcome Noon voucher and long-term cashback savings.

If your monthly spend is below AED 3,000, however, you may want to explore other entry-level cashback cards with lower thresholds.

FAQs about the Emirates Islamic Cashback Plus Card

Q: What is the annual fee for the Emirates Islamic Cashback Plus Card?
The annual fee is AED 299, making it one of the more affordable premium cashback cards in the UAE.

Q: How much cashback can I earn per month?
You can earn up to AED 200 in cashback each month, depending on your spending tier.

Q: Does the card cover international purchases?
Yes, but note the 3.49% foreign transaction fee on non-AED transactions.

Q: What makes this card better than standard cashback cards?
Unlike basic cards, this one combines cashback with lifestyle perks—unlimited airport lounges, cinema deals, golf benefits, and valet parking in Dubai.

Q: Is the Noon.com voucher still available?
Yes, but it’s a limited-time joining offer. Always check Emirates Islamic’s latest promotions before applying.

Final Take

The Emirates Islamic Cashback Plus Card is more than a cashback card—it’s a lifestyle and travel companion built for the UAE’s modern residents. From turning school fees into cashback to unlocking free lounge access at airports worldwide, it seamlessly blends financial savings with premium perks.

If you’re looking to maximize everyday spending while enjoying Dubai’s vibrant lifestyle, this card deserves a spot in your wallet. And with TheDubaiWeb.com as your trusted guide, you can always compare and discover the best financial products in the UAE.

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Safna

Safna is a full-time writer at TheDubaiWeb.com, where she covers the latest finance news and trending topics across the UAE. With over 10 years of experience living in the UAE, she brings local insight and a deep understanding of the region to her reporting.