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Cashback %

Cashback on Supermarket, Education, Dining, and Telecom depends on monthly spent as below:

  • Up to AED 2,999 – No cashback.
  • Between AED 3,000 & AED 9,999 – 3% cashback.
  • Between AED 10,000 & AED 17,499 – 5% cashback.
  • Above AED 17,500 – 10% cashback.

Why We Choose It

  • High cashback for high spenders.
  • No annual fee for the first year if you spend AED 5,000.
  • Limited cashback categories as no cashback is earned on the remaining categories.

Welcoming Gift/Bonus

Emirates Islamic Cashback Plus Credit Card currently doesn’t offer a welcoming bonus

Annual Fee (inclusive of Vat)

First Year Free if you spend a minimum of AED 5,000 in retail spending within the first 90 days , then AED 314 per year onwards (No annual fee , if you spend a minimum of AED 30,000 per year)

Minimum Salary Requirement

AED 12,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Cashback

  • AED 3000 minimum should be spent to earn cashback Maximum of AED 200 Cashback per category.
Cashback %:

Cashback on Supermarket, Education, Dining, and Telecom depends on monthly spent as below:

  • Up to AED 2,999 – No cashback.
  • Between AED 3,000 & AED 9,999 – 3% cashback.
  • Between AED 10,000 & AED 17,499 – 5% cashback.
  • Above AED 17,500 – 10% cashback.

Key benefits

  • Complimentary airport lounge access for one person.
  • Two complimentary rounds of golf per month.
  • One complimentary valet parking service per month.

Other benefits

  • Cash on-call facility.
  •  An auto top-up facility on Salik and Nol.
  •  Gold Class cabin access on the metro.
  •  Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.
  •  20% off at Roxy Cinemas.

Why We Choose It

  • High cashback for high spenders.
  • No annual fee for the first year if you spend AED 5,000.
  • Limited cashback categories as no cashback is earned on the remaining categories.

What We Did Not Like

  • A minimum of AED 3000 monthly is spent to earn cashback.
  • Cashback is capped at a maximum of AED 200 per category each month.
  • A minimum of 300 cashback points is required to redeem your rewards.
  • Limited cashback categories as no cashback is earned on the remaining categories.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.