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Cashback %

Lifestyle categories:

  • Supermarkets (4%)
  • Dining (4%)
  • Fuel(8%)
  • Education (4%)
  • Telecom, Utilities, Government (0.5%)
  • Other spends(1%)

Travel Categories:

  • Airlines (4%)
  • Hotels (4%)
  • Dining (4%)
  • Telecom, Utilities, Government (0.5%)
  • Other spends (1%)

Why We Choose It

  • Unique feature of changing categories.
  • Flexible EI Cashback redemption options: convert a minimum of 300 EI Cashback into instant statement credits, redeem as little as 40 EI Cashback for travel benefits across 300+ airlines, 180,000+ hotels, and car rentals, or exchange your EI Cashback for partner loyalty program rewards.

Welcoming Gift/Bonus

Emirates Islamic Switch Cashback Credit Card offers AED 500 Cashback points on spends of AED 15,000 within 60 days of Card approval.

Annual Fee (inclusive of Vat)

AED 313.95 – waived if spends in last 12 months exceeds AED 30,000

Minimum Salary Requirement

AED 10,000

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

Cashback %:

Lifestyle categories:

  • Supermarkets (4%)
  • Dining (4%)
  • Fuel(8%)
  • Education (4%)
  • Telecom, Utilities, Government (0.5%)
  • Other spends(1%)

Travel Categories:

  • Airlines (4%)
  • Hotels (4%)
  • Dining (4%)
  • Telecom, Utilities, Government (0.5%)
  • Other spends (1%)

Key benefits

  • A minimum monthly (calendar month) retail spend of AED2,500.
  • Flexibility to change cashback categories from Lifestyle to travel every month
  • Complementary airport lounge access for one person.
  • Two rounds of complimentary golf per month.

Other benefits

  • Up to 2 “Buy 1 Get 1” complimentary Vox/Reel Cinemas Movie Tickets per month.
  • 20% off at Roxy Cinemas.
  • Complimentary Access to Dubai Ladies Club.

Why We Choose It

  • Unique feature of changing categories.
  • Flexible EI Cashback redemption options: convert a minimum of 300 EI Cashback into instant statement credits, redeem as little as 40 EI Cashback for travel benefits across 300+ airlines, 180,000+ hotels, and car rentals, or exchange your EI Cashback for partner loyalty program rewards.

What We Did Not Like

  • A minimum of AED 2500 monthly is spent to earn cashback.
  • Caps apply per category.
  • A minimum of 300 cashback points is required to redeem your rewards.

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.

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