Up to 10% cash back on groceries, education, dining, and telecom.
Built in Nol card for easy access and payments on RTA transport network.
Unlimited complimentary access to over 1000+ airport lounges worldwide.
2 free rounds of golf any day of the week.
Embedded Nol chip
Your Cashback Plus Credit Card comes with a built-in RTA Nol Chip. Not only can you use your Card to make purchases and cash withdrawals, but also for payments on the RTA transit network, including RTA Metro, RTA Bus, RTA Water Bus, parking meters, Salik and much more.
Auto top-up facility on Salik and Nol
With your Emirates Islamic Cashback Plus Credit Card you can enjoy auto top-ups on Nol and Salik. By activating this facility you don’t have to remember to recharge your Salik account or queue up at the RTA station to recharge your Nol chip. 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. You must visit any metro station reader or parking machine after 48 hours in order to update the NOL balance on the card prior to use. For more details please Click here.
Gold Class cabin access
Enjoy travelling at ease with your Cashback Plus Credit Card. Your card is embedded with a chip that allows you access to Gold Class Cabin on the Dubai Metro. Now you can escape the crowd and sit in peace while you get to your destination.
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. To find out about participating lounges please visit www.loungekey.com/visasignature
Terms & Conditions:
Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends and weekdays. To book your game, please click here and submit the completed form.
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
Convert your purchases in to convenient monthly installments by purchasing them through your Emirates Islamic Cashback Plus Credit Card. You can avail our easy payment plans of 3, 6, 9, 12 and 24 months once you have made a purchase by simply calling our Call Centre at 600 599 995.
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 Plus Credit Card with nothing more than a processing fee. For more details Click here
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
Apply for a supplementary card for your loved ones to share the privileges and benefits offered on your Cashback Plus Credit Card.
Each Supplementary Card issued under your account allows you to track your expenses and helps you manage your cash flow under simplified billing with a single monthly payment for all cards on the same account.
To Apply please call 600 599 995 or visit your nearest Emirates Islamic branch
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.
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 Click here
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
Choose from the following options to make your Card payments:
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:
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:
Accidents and mishaps may happen anytime, anywhere. During these unfortunate events, simply contact the below mentioned numbers and we shall provide you with the medical and legal assistance you may need. We will refer you to physicians, hospitals, clinics, dentists, lawyers or legal practitioners based on your request wherever you may be.
UAE: +971 4 361 1234 Outside UAE: +44 (0) 208 762 8373
Customer will have to pay any interpreting fees or related charges for third parties involved.
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 points within seconds through Online Banking or through our Mobile Banking app.
All you need to do is follow the steps below:
| Total Monthly Spend | Cash Back Rewards | |||
|---|---|---|---|---|
| Supermarkets | Education | Dining | Telecom | |
| AED 0 - 2,499 | 0% | 0% | 0% | 0% |
| AED 2,500 - 7,499 | 3% | 3% | 3% | 3% |
| AED 7,500 - 14,999 | 5% | 5% | 5% | 5% |
| AED 15,000+ | 10% | 10% | 10% | 10% |
| Maximum Cash Back Per Month | 200 | 400 | 200 | 200 |
Please note that cash back is eligible on spends that fall under the above mentioned categories as classified by Visa and MasterCard.
This offer (Offer) is applicable for all Emirates Islamic Cashback Plus Credit Card Program ("Program" "Card") applicants (the Applicant(s)) and shall be valid only during the Offer's campaign period starting from 1st January 2020 to 31st March 2020 inclusive of both dates (Campaign Period).
This Terms and Conditions are applicable to all Applicants(s) who have successfully submitted their application to Emirates Islamic with complete documentation during the Campaign Period.
The Offer's documentation requirements shall be processed as per Emirates Islamic Policy and Procedures regarding the same.
The first year annual fee of AED 299 (the "Annual Fees") shall not be applied to Applicant's Card, however to qualify for the annual fee waiver for subsequent years (Waiver), a minimum spend of AED 30,000.00 is required per year on the Cashback Plus Credit Card.
The following transactions (Transactions) are excluded from the Program and do not qualify for the waiver:
Emirates Islamic reserves the right to amend, reduce or extend at any time the start or end dates of this Offer.
Emirates Islamic reserves the right to terminate this Offer during the Campaign Period with immediate effect and without any further notice of such termination to the Applicants. In such event, the Applicant waive the Emirates Islamic from any liability, rights, which Applicant's may have against Emirates Islamic and/or against any third party(ies).
Applicant acknowledge that he/or she will have no recourse and/or claim of any nature whatsoever against Emirates Islamic, Emirates Islamic Directors', Members, Partners, Employees, Agents, Consultants, Suppliers and/or Contractors.
In the event of any dispute in respect of the Offer and/or the Program / Card, Emirates Islamic decision will be final and binding on all aspects of this Offer and no correspondence will be entered into.
Any acceptance of the Offer after the Campaign Period shall not be accepted, and considered null and void.
All Emirates Islamic other credit card's terms and conditions shall be applied for this Offer, for more information please click here.
Please click here to view schedule of charges
Explore the benefits of using your Emirates Islamic Credit Card. Learn more about our security features, ways to pay and other card benefits.
Please click here to view Emirates Islamic Credit Cards – Important information.
Emirates Islamic Cashback Plus Credit Card brings to you:
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 AED2,500. 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.
| Monthly Spend Tiers (AED) | Dining | Hypermarket | Education | Telecom |
|---|---|---|---|---|
0-2,499 |
0% | 0% | 0% | 0% |
2500-7,499 |
3% | 3% | 3% | 3% |
7,500 -14,999 |
5% | 5% | 5% | 5% |
15000+ |
10% | 10% | 10% | 10% |
| Monthly Maximum Cash Back (AED) | 200 | 200 | 400 | 200 |
1 Cash back Point = 1 AED
The annual fee on the Card is AED 299 for the primary card holder. Supplementary cards are free for life.
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.
Cash back points can be redeemed by calling us on 600 599 995 when there is a minimum of 100 Cashback Plus points on your Card account. Your Cashback Plus points will be credited to your Card account as a statement credit in AED in 2-3 working days post your request has been received.
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 cash back on the transaction will also be reversed. Savings will be awarded to only actual purchase transactions.
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:
