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Open Optimiser

Emirates Islamic

Switch Cashback Credit Card

Earn up to 8% Cashback on your spends

default

8.00%

8% cashback on domestic fuel spends

fuel

8.00%

8% cashback on domestic fuel spends [Derived category mapping: fuel]

groceries

4.00%

4% cashback on domestic supermarket spends

Eligibility

Eligibility details not available yet.

Annual fee

AED 299

First year fee

AED 0

B.E.S.T cashback ladder

Full rewards table

Rates increase with monthly total spend. Scan each category row for the spend band, rate, and cap.

Categories
7
Best rate
8.00%
Top cap
AED 0
G

Groceries

Up to 4.00% cashback

Spend tier

Published reward rule

Rate

4.00%

Cap

No cap listed

4% cashback on domestic supermarket spends

D

Dining

Up to 4.00% cashback

Spend tier

Published reward rule

Rate

4.00%

Cap

No cap listed

4% cashback on dining spends

D

Default

Up to 8.00% cashback

Spend tier

Published reward rule

Rate

8.00%

Cap

No cap listed

8% cashback on domestic fuel spends

Spend tier

Published reward rule

Rate

4.00%

Cap

No cap listed

4% cashback on education spends

Spend tier

Published reward rule

Rate

0.50%

Cap

No cap listed

0.5% cashback on telecom, utilities, real estate and government spends

Spend tier

Published reward rule

Rate

1.00%

Cap

No cap listed

1% cashback on all other spends

F

Fuel

Up to 8.00% cashback

Spend tier

Published reward rule

Rate

8.00%

Cap

No cap listed

8% cashback on domestic fuel spends [Derived category mapping: fuel]

E

Education

Up to 4.00% cashback

Spend tier

Published reward rule

Rate

4.00%

Cap

No cap listed

4% cashback on education spends [Derived category mapping: education]

U

Utilities

Up to 0.50% cashback

Spend tier

Published reward rule

Rate

0.50%

Cap

No cap listed

0.5% cashback on telecom, utilities, real estate and government spends [Derived category mapping: utilities]

TG

Travel General

Up to 4.00% cashback

Spend tier

Published reward rule

Rate

4.00%

Cap

No cap listed

4% cashback on airline spends

Spend tier

Published reward rule

Rate

0.50%

Cap

No cap listed

0.5% cashback on telecom, utilities, real estate and government spends

Spend tier

Published reward rule

Rate

1.00%

Cap

No cap listed

1% cashback on all other spends

Benefits

Travel

Travel Category Cashback - Airlines

Cashback

4% cashback on airline spends

Conditions: Monthly cap of AED 200. Minimum monthly spend of AED 2,500 required. Must select Travel category for the month

Travel Category Cashback - Hotels

Cashback

4% cashback on hotel spends

Conditions: Monthly cap of AED 200. Minimum monthly spend of AED 2,500 required. Must select Travel category for the month

Complimentary Airport Lounge Access

Lounge Access

Unlimited access to 1,200+ airport lounges worldwide

Conditions: Minimum calendar month spend required (amount not specified)

Meet & Greet Bronze Service

Airport Service

Airport meet and greet service for smooth airport experiences

Conditions: 1 service per period. Minimum calendar month spend required (amount not specified)

Luxury Hotel Collection

Hotel Benefits

Access to luxury hotel collection benefits

Exclusive Visa Travel Offers

Discounts

Exclusive travel offers through Visa

Lifestyle

Complimentary Golf

Golf

Two complimentary rounds of golf every month

Conditions: Minimum calendar month spend required (amount not specified)

Complimentary Valet Parking

Parking

Hassle-free valet parking at premium locations

Conditions: 1 complimentary valet parking per period. Minimum calendar month spend required (amount not specified)

Cinema Tickets - Buy One Get One

Entertainment

Buy one get one movie tickets at Vox or Reel Cinemas

Conditions: 2 BOGO tickets. Minimum calendar month spend required (amount not specified)

Partner: Vox CinemasPartner: Reel Cinemas

Sharjah Ladies Club Access

Club Membership

Unlimited access to Sharjah Ladies Club

Conditions: Minimum calendar month spend required (amount not specified)

Partner: Sharjah Ladies Club

Entertainment Offers

Discounts

Entertainment offers including cinema and other venues

Insurance

Extended Warranty

Purchase Protection

Extended warranty coverage on purchases

Purchase Protection

Purchase Protection

Protection for purchases made with the card

Multi-Trip Travel Takaful

Travel Insurance

Complimentary multi-trip travel takaful (Sharia-compliant travel insurance)

General

Lifestyle Category Cashback - Other Spends

Cashback

1% cashback on all other spends

Conditions: No cap. Minimum monthly spend of AED 2,500 required. Must select Lifestyle category for the month

Travel Category Cashback - Other Spends

Cashback

1% cashback on all other spends

Conditions: No cap. Minimum monthly spend of AED 2,500 required. Must select Travel category for the month

Convenience

Cash-on-Call Facility

Cash Advance

Cash on call facility available

Easy Payment Plans

Installment

Easy payment plan options for purchases

Dining

Lifestyle Category Cashback - Dining

Cashback

4% cashback on dining spends

Conditions: Monthly cap of AED 200. Minimum monthly spend of AED 2,500 required. Must select Lifestyle category for the month

Travel Category Cashback - Dining

Cashback

4% cashback on dining spends

Conditions: Monthly cap of AED 200. Minimum monthly spend of AED 2,500 required. Must select Travel category for the month

Education

Lifestyle Category Cashback - Education

Cashback

4% cashback on education spends

Conditions: Monthly cap of AED 200. Minimum monthly spend of AED 2,500 required. Must select Lifestyle category for the month

Fuel

Lifestyle Category Cashback - Fuel

Cashback

8% cashback on domestic fuel spends

Conditions: Monthly cap of AED 100. Minimum monthly spend of AED 2,500 required. Must select Lifestyle category for the month

Grocery

Lifestyle Category Cashback - Supermarket

Cashback

4% cashback on domestic supermarket spends

Conditions: Monthly cap of AED 200. Minimum monthly spend of AED 2,500 required. Must select Lifestyle category for the month

Signup Bonus

Welcome Bonus

Cashback

Get AED 500 Cashback points on spends of AED 15,000 within 60 days of Card approval

Conditions: Spend AED 15,000 within 60 days of card approval. Offer valid till 30 June 2026

Utilities

Lifestyle Category Cashback - Telecom/Utilities/Real Estate/Government

Cashback

0.5% cashback on telecom, utilities, real estate and government spends

Conditions: No cap. Minimum monthly spend of AED 2,500 required. Must select Lifestyle category for the month

Travel Category Cashback - Telecom/Utilities/Real Estate/Government

Cashback

0.5% cashback on telecom, utilities, real estate and government spends

Conditions: No cap. Minimum monthly spend of AED 2,500 required. Must select Travel category for the month

Active promotions

No verified active promotions yet.