CashBack plus card Cashback Plus Credit Card

CashBack Plus Card

Get your Emirates Islamic Cashback Plus Credit Card with no Annual Membership Fee*

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Key Benefits

Cashback

Up to 10% cash back on groceries, education, dining and telecom.

Lounge access

Unlimited complimentary access to over 1000+ airport lounges worldwide.

Complimentary Golf

Two rounds of complimentary golf per month.

Valet Parking

1 complimentary valet parking service per month.

Click Here to view the Key Facts Statement, Schedule of Charges and other important information for this product.

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Rewards

Earn up to 10% cash back


   Up to 10% cash back on supermarket spends

Start saving on your groceries by earning up to 10% cash back on purchases made at any supermarket in the UAE and abroad.

   Up to 10% cash back on education

Give your children the best education they deserve and get up to 10% cash back on school and university fees, in the UAE and overseas.

   Up to 10% cash back on dining

Dine at your favorite restaurants around the world and enjoy up to 10% cash back.

   Up to 10% cash back on telecom expenses

Enjoy great savings on your Etisalat and du bills in UAE and telecom services across the globe.

Redeem your Cashback Plus points

Redeem your cashback points within seconds through Online Banking or through our Mobile Banking app.
All you need to do is follow the steps below:
  • Log in to your Emirates Islamic account through Online Banking or Mobile Banking
  • Click on 'Cards'
  • Tap on 'Rewards'
  • Select 'Redemption' and submit your request.

How to earn cash back

Total Monthly Spend Cash Back Rewards
  Supermarkets Education Dining Telecom
AED 0-2,999 0% 0% 0% 0%
AED 3,000 - 9,999 3% 3% 3% 3%
AED 10,000 - 17,499 5% 5% 5% 5%
AED 17,500+ 10% 10% 10% 10%
Maximum Cash Back Per Month 200 200 200 200

For more details about Cashback Plus earning rates please Click here.

Click here to calculate how much cashback you can earn with the Emirates Islamic Cashback Plus Card.

Benefits

RTA benefits

Auto top-up facility on Salik
With your Emirates Islamic Cashback Plus Credit Card you can enjoy auto top-ups on Salik. By activating this facility you don't have to remember to recharge your Salik account. To activate the auto top-up facility, please call us on 600 599 995.

Any top up made on your Card through online or mobile banking channels will get updated/recharged after 48hrs. For more details please Click here.

Complimentary Reel Cinemas Movie Tickets

Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit. If the spend criteria is not met or on exceeding the maximum complimentary tickets usage, your credit card will be billed with the discount availed. For more information on the Reel Cinemas offer, Click here.

Enjoy 20% off at Roxy Cinemas

Enjoy an exclusive 20% discount on all movie tickets at Roxy Cinemas. Plus, indulge in your favourite snacks and drinks with a 20% discount on food and beverages. Offer valid until 30 April 2025. For more information, click here.

Complimentary airport lounge access

Travelling abroad? You and your supplementary cardholders can enjoy unlimited access to over 1000 airport lounges worldwide. Just present your Card at the participating lounges to enjoy complimentary access.
You can access airport lounges exclusively via the new Visa Airport Companion Mobile App. Click here to know more.

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards 15 days prior the lounge visit. If the spend criteria is not met then customer will be charged US $27 per usage to the used card.
  • For every accompanying guest, cardholders will be charged US $27 per person per visit.

Complimentary Golf

Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Jebel Ali Golf Course, The Trump International Golf Club or Abu Dhabi Golf Club on weekends or weekdays, subject to availability. A minimum monthly (calendar month) retail spend of AED 5,000 is required on your card to avail the benefit. If the spend criteria is not met or on exceeding the maximum complimentary golf rounds or no show at the club, your credit card will be billed with the applicable green fee.

Click here to book your game.
Click here for the Terms & Frequently Asked Questions (FAQs).

Extended Warranty

When you buy quality, you expect it to last. That's why we automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty. For more details, visit www.visamiddleeast.com.

Meet & Greet Bronze Service

Enjoy up to 2 complimentary Marhaba Meet & Greet services per year. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit. If the spend criteria is not met or on exceeding the maximum complimentary service usage, your credit card will be billed with the applicable service fee.

Click here for the Terms & Conditions.
Click here to book now!

Purchase protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift. For more details Click here.

Cash on call facility

With your Emirates Islamic Cashback Plus Credit Card you can avail Cash on Call facility of up to 80% of your available credit limit. For more details Click here.

Luxury Hotel Collection

Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Cashback Plus Credit Card. This hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.

Privileges on your card:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Complimentary in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher

For more details please www.visaluxuryhotels.com

Multi Trip Travel Insurance

Travel with complete freedom and peace of mind. Your Cashback Plus Credit Card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. To get your travel insurance certificate please click here.

Easy Payment Plan

Shop to your heart's content with the 0% Easy Payment Plan. From electronics, telecom, supermarket and jewellery; ask for our Easy Payment Plans of 3, 6, 9 or 12 months when making a purchase at our partner outlets such as Carrefour and Sharaf DG among others. For more details click here.

Complimentary Valet Parking

Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Cashback Plus card at the valet parking desk. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit. If the spend criteria is not met or on exceeding the maximum complimentary services, your credit card will be billed with the actual service amount.

Click here for the valet parking locations, charges and other Terms & Conditions.

Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club

You can avail complimentary access to Dubai Ladies Club & Sharjah Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit. If the spend criteria is not met, your credit card will be billed with the applicable service fee.

Click here for the Terms & Conditions.
Click here to book now!

Card Benefits

Explore the benefits of using your Emirates Islamic Credit Card. Learn more about our security features, ways to pay and other card benefits.

Schedule of Charges

Please click here to view schedule of charges.

Important Information

Please click here to view important information on Emirates Islamic Cashback Plus Credit Card.

Mazaya Offers

Mazaya Offers

Mazaya Offers

We are delighted to present to you our Mazaya Offers.

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Frequently Asked Questions

Emirates Islamic Cashback Plus Credit Card brings to you:

  • Up to 10% cash back on supermarkets, education, dining and telecom spends in the UAE and abroad
  • Auto top-up facility for Salik accounts
  • Gold Class cabin access on the metro
  • Unlimited complimentary access to over 1000 airport lounges worldwide

Please note all above benefits can be enjoyed by Primary as well as Supplementary card holders

 

An Emirates Islamic Cashback Plus Credit Card is the only credit card that brings to you a cash back equipped rewards program with an embedded RTA Nol Chip. This makes it a unique offering in the market as the Card not only will rewards you for your daily spends but also allows you to make RTA network payments through a single card. You can earn cash back on both domestic and international spend under each qualifying categories. It also allows you to enjoy complimentary unlimited access to over 1000 airport lounges worldwide.

Cash back will be earned on payments for supermarket, school fees, dining and telecom earn up to 10% cash back in the form of cash back points. The maximum cash back mentioned above is subject to meeting the minimum monthly expenditure of AED3,000. Total expenditure includes all spends on your Card and are not limited to payments made for supermarket, school fees, dining and telecom only.

Cash back % is based on the spend tiers. Please see the below table for your reference. Under each category there is a cap on the maximum cashback that can be earned.

Total Monthly Spend Cash Back Rewards
Supermarkets Education Dining Telecom
AED 0-2,999 0% 0% 0% 0%
AED 3,000 - 9,999 3% 3% 3% 3%
AED 10,000 - 17,499 5% 5% 5% 5%
AED 17,500+ 10% 10% 10% 10%
Maximum Cash Back Per Month 200 200 200 200

1 Cash back Point = 1 AED

The annual fee on the Card is AED 299 for the primary card holder. Supplementary cards have no annual fee.

Cash back will be earned on spends made on the supplementary card. However please note that the cash back can be redeemed only against the Primary Card account and will appear only on the statement of the Primary Card account.

Redeem your cashback points within seconds through Online Banking or through our Mobile Banking app.
All you need to do is follow the steps below:

  • Log in to your Emirates Islamic account through Online Banking or Mobile Banking
  • Click on 'Cards'
  • Tap on 'Rewards'
  • Select 'Redemption' and submit your request.

Yes Cashback Plus points have a validity of 2 years from the date of earning and if not redeemed within the period will be expired.

Cashback Plus points that has not been redeemed within 2 years from its earn date or post the cancellation of the Card will be forfeited.

In case of a reversal of a transaction, the cashback on the transaction will also be reversed. Savings will be awarded to only actual purchase transactions.

  • Balance transfer
  • Cash withdrawals
  • Easy Payment plans
  • School Fee Payment Plan installment
  • Cash Advances
  • Fees and Charges
  • Credit Card payments
  • Merchant refunds
  • Any other transaction determined by Emirates Islamic Bank from time to time

No this cannot be done as rewards redemption can only be done against the card on which the reward points were accrued.

You can choose from the below options to make Card payments:

  • Standing instruction to debit your Emirates Islamic Current/Investment Savings Account
  • Online payments through Emirates Islamic Online Banking
  • Cash payments through Emirates Islamic branches or Cash Deposit Machines
  • Cheque payments (for current dated Cheques only) through Emirates Islamic branches or Cheque Deposit Machines
  • Cash Payments through Al Ansari Exchange, Al Fardan Exchange, Al Rostamani Exchange or UAE Exchange branches

No, Emirates Islamic does not charge any additional profit on accrued profit on any credit product granted to customers.

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