Emirates Islamic Cashback Card

Unlimited Cashback. Guaranteed Savings.

Get guaranteed cash back on all your purchases with your Emirates Islamic Cashback Card


Emirates Islamic Cashback Card brings to you the best cash back program. Your Card is powered with

  10% guaranteed cash back on telecom expenses
  5% guaranteed cash back on electronic purchases
  Up to 1% guaranteed cash back on all local and international transactions
  No minimum spend criteria for earning cash back rewards
  Free for life card based on annual spend of AED 5000


Cash Back Redemption
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.

Terms and Conditions

  • Cashback on all domestic and international transactions includes non-government spends only
  • Your cash back rewards are calculated each month based on your monthly spend and have a validity of two years
  • Cash back on Telecommunication spends (Du and Etisalat only) is capped at AED 100. Spends at Du and etisalat stores, website or through Emirates Islamic channels are eligible
  • Cash back on Electronics spends is capped at AED 100. Spends classified as electronics by Visa and MasterCard are eligible
  • Cash back points will be given as a statement credit in AED
  • Emirates Islamic is not responsible if a transaction does not get captured under the appropriate merchant category.
  • Effective July 01, 2019, retail spends made under category "Grocery / Supermarkets" will earn 25% of Base Cashback Point, Automobiles & Insurance will earn 15% of Base Cashback Point, Education, Fuel and Real Estate will earn 10% of Base Cashback Point. The Base Cashback Point is defined as 1%.
  • Effective July 01, 2019, to redeem your cashback points you must have a minimum of 300 cash back points
  • In any given month, a Card member shall only be entitled to earn Cashback points for transactions carried out up to the extent of the assigned Credit Limit on the Card. Transactions exceeding the assigned Credit Limit shall not be entitled to earn Cashback Points during that month.


Easy payment plans

Convert your purchases in to convenient monthly installments by purchasing them through your Emirates Islamic Cashback Credit Card. You can avail our cash back payment plans of 3, 6, 9 and 12 months when making a purchase. For more details click here

Balance transfer facility

Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Cashback Credit Card with nothing more than a processing fee. For more details click here

Cash on call facility

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

Supplementary card

Share the same privileges and benefits on your Emirates Islamic Cashback Credit Card with your loved ones for free. Each supplementary card issued under your account not only allows you to share benefits but also allows you to track your expenses and manage your cash flows effectively through single monthly payment. Now you and your loved ones can enjoy card privileges and convenience together.

To Apply please call 600 599 995 or visit your nearest Emirates Islamic branch

Islamic credit shield

Emirates Islamic Card offers you the Credit Shield facility that covers your Card outstanding in the case of death or permanent disability. You are automatically entitled to this facility free for the first two months from the date of Card issuance, after which you will be charged a nominal fee. To discontinue your credit shield at any time, please call 600 599 995.

Purchase protection

It provides coverage of USD 5000 per occurrence and USD 20,000 per year against loss or damage that occurs within a limited time duration from the date of purchase. For more details click here

Extended warranty

Extended Warranty allows you to double the warranty up to 12 months on purchased items. It provides a coverage if USD 2500 per occurrence and USD 5000 per year. For more details click here

Payment options

Choose from the following options to make your 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 cheque deposit machines
  • Cash payments through Al Ansari Exchange, Al Fardan Exchange, Al Rostamani Exchange or UAE Exchange branches

24-hour customer service facility

Call our 24-hour customer service centre on 600 599 995 or log on to our website emiratesislamic.ae to benefit from the following facilities 24 hours a day, 7 days a week:

  • Complete online access to your Card including card transactions and billing statements
  • Pay your Emirates Islamic Cashback Credit Card bill
  • Pay your utility bills
  • Set up standing instructions to pay your bills


Luxury hotel collection

Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Cashback Credit Card. This hand-selected portfolio includes a range of properties, from boutique gems to world famous hotels and resorts.

Privileges on your card:

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

For more details please click here

Medical and legal referral

Accidents and mishaps can happen anytime, anywhere. During these unfortunate events, simply contact us and we'll provide you with the medical and legal assistance you need.

  • Telephone medical advice
  • Medical service provider referral
  • Monitoring medical condition pre and post hospitalization
  • Essential medicine/ equipment delivery
  • Dispatch of physician to customer location
  • Hospital admittance guarantee
  • Medical evacuation/repatriation
  • Legal referral
  • Interpreter referral**

For more details please click here or for assistance call +44 (0) 208 762 8373

** Any interpreting fees or related charges will be borne by the customer.

Please note the above benefits are subject to change without prior notice.


Get unmatched benefits, discounts and privileges at restaurants and retailers across the UAE.


Dining

Get mouth-watering discounts of up to 30% at restaurants across the UAE with your Cashback Credit Card.

Shopping

Get fabulous discounts at shopping outlets across the UAE when you shop using your Cashback Credit Card.

Travel

Enjoy travel benefits with our exclusive travel season offers.

For more details and a complete list of our partner outlets, please click here

Please click here to view schedule of charges.

General FAQs:

Can I withdraw cash with my card?

You can withdraw cash from any Emirates Islamic branch or from more than 780,000 ATMs around the world displaying the VISA logo, for a nominal fee.

What are the payment options on the card?

Card payments can be made through a range of different channels including:

Cheque Payments
Cheque deposits through the Drop Box, which is available at all designated branches. Make sure that you write your name and Credit Card number on the back of the cheque.
Please Note: Cheques are sent for Clearing and payment is made after the funds are received, which can take 3 - 5 days

Exchange Houses
Payments through UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange can be made in cash up to a maximum value of AED 35,000 per day. All payments will reflect in your credit card account in 2 to 3 working days.

Pay Bills Online
As an Emirates Islamic account holder, you can use your online banking service to pay your monthly bills online. Simply visit www.emiratesislamic.ae and log in to online banking. Call 600 599995 for assistance to link your Credit Card with your online banking account.
Online Auto Payment Facility
Schedule your monthly bill payment through your online banking account using the Auto Payment Transfer facility, which enables your monthly bill to be automatically deducted from your account at the click of a button.

Cash At Counter
Make a cash payment for your Emirates Islamic Credit Card at any of our branches during banking hours

Cash Deposit Machines
Make your payment by depositing the payment at one of our network of Cash Deposit Machines. You can make your payments even if you do not have your card with you, all you need is the card number.

Can I avail of supplementary cards with this card?

You can get up to 4 supplementary cards for your family members and enable them to take advantage of discounts available on your primary card while earning reward points on every Dirham spent.

Is the card Shari'a compliant?

The Emirates Islamic cashback is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

Emirates Islamic Cashback Card FAQs:

Will I earn cash back on spends on my supplementary card?

Yes, you can earn cash back for spends on your supplementary card.

Do I need to apply or register to receive cash back?

No, by holding a cash back card you are automatically eligible to receive cash back, as long as the criteria of spend is met.

Are there transaction that do not earn cash back?

Yes, below transactions on your card are not eligible for cash back:
Balance transfers, cash advances,fees and charges.

How do cash back points work?

Cash back Points are reward points you earn every time you use your Emirates Islamic Cashback Card for payments related to telecom (etisalat and du only), electronic and all other purchases. Cash back points are redeemable for cash back on your Emirates Islamic Cashback Credit Card.

Do cash back points expire?

Yes, cash back points expire after two years from the date of earn.





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