Name: Switch Cashback Credit Card
Brand: Emirates Islamic
SKU: Switch-Cashback-Credit-Card
Availability: InStock

Switch Cashback Credit Card

Earn up to 8% Cashback on your spends.

Apply Now

Key Benefits

Welcome Offer

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

Earn Cashback

Up to 8% on select categories.

Switch As You Go

Switch between Lifestyle or Travel category any month.

Exclusive Offer

Apply for a Switch Cashback Credit Card to earn a guaranteed Welcome Bonus of  500 and up to 8% monthly Cashback on all your spends. Whether you are travelling or spending time at home with your loved ones, enjoy earning Cashback on all your spends. Click here to apply now.

Offer is valid till 30 June 2026.

Click here to view Terms and Conditions.

Make the Most of Your Rewards

Earn cashback on everyday purchases or travel spends across key categories like supermarkets, dining, fuel, airlines, hotels, and more.

Lifestyle

Merchant Category	Cashback %	Monthly Cap (in AED)
Supermarket (Domestic)	4%	200
Dining	4%	200
Fuel (Domestic)	8%	100
Education	4%	200
Telecom, Utilities, Real Estate & Govt. Spends	0.5%	No Cap
Other spends	1%	No Cap

Travel

Merchant Category	Cashback %	Monthly Cap (in AED)
Airlines	4%	200
Hotels	4%	200
Dining	4%	200
Telecom, Utilities, Real Estate & Govt. Spends	0.5%	No Cap
Other spends	1%	No Cap

On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of  2,500.

Switch between Lifestyle or Travel spend categories anytime during the month through the EI + Mobile Banking app. The spend category selected during the calendar month will be applicable for rewards computation for that particular calendar month and will remain applicable for the following months if not changed. The category selected will continue in the subsequent months for earning unless changed using the EI + Mobile Banking app. For example, on 15 March 2024, the reward category was changed from Lifestyle to Travel category, the rewards for the month of March 2024 will be calculated and credited to the wallet on 2 April 2024 based on the travel category. In April 2024, the Travel category will continue as the choice of Cashback earning unless changed on or before 30 April 2024 and so on.

Cashback earning is based on the aforementioned merchant categories codes & Emirates Islamic PJSC is not responsible for a transaction that does not get captured under the appropriate category code defined by Visa or Mastercard.

Your Cashback is calculated each month based on your spends and are valid for 24 months.

Cashback will be accrued and credited to the Cashback wallet within 3 working days of the following calendar month. Customers can view and choose their redemption options from the EI + Mobile Banking app. To redeem your accrued cashback as a statement credit, you must have a minimum of  300 worth of Cashback in your Cashback wallet. In any given month, a Card member shall only be entitled to earn Cashback 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 during that month.

Click here to view the terms & conditions.

The Switch Cashback Card comes without an Annual Membership fee for the first year with the fee being applicable in the subsequent years. To qualify for the annual fee waiver for the subsequent years, a minimum spend of  30,000.00 is required per year on the Switch Cashback Credit Card. The following transactions (Transactions) are excluded from the Program and do not qualify for the waiver:

Balance transfers
Easy Payment Plans
Cash advances
Credit Card Cheques
Finance charges
All fees charged on the card by the Bank
Transactions reversed by Merchants
Other transactions determined by the Emirates Islamic
from time to time

See how much cashback you can earn monthly

Supermarket

 0

 20000

Dining

 0

 20000

Fuel

 0

 20000

Education

 0

 20000

Other Spends

 0

 20000

Dining

 0

 20000

Airlines

 0

 20000

Hotels

 0

 20000

Other Spends

 0

 20000

With Switch Cashback Credit Card, you could earn

Cashback Per Month

Notes : Please note that this is a just estimated calculation based on above amounts

Lifestyle Rewards & Benefits

Complimentary Airport Lounge Access

Travel in comfort across 1,200+ lounges

Complimentary Golf

Two rounds of golf every month

Meet & Greet Bronze Service

Smooth airport experiences made easy

Complimentary Valet Parking

Hassle-free parking at premium locations

Additional Privileges

Extended Warranty

Purchase Protection

Cash-on-Call Facility

Easy Payment Plans

Multi-Trip Travel Takaful

Luxury Hotel Collection

Exclusive Visa Travel Offers

Entertainment Offers

Frequently Asked Questions

Emirates Islamic Switch Cashback Credit Card is a Visa Signature Credit Card that allows the cardholder to earn cashback on all Qualifying Transactions based on the category type selected by the customer – Travel or Lifestyle. The cashback earned can then be redeemed as a payment to the card outstanding due if any or used for multiple options like Mile transfers, Gift vouchers, instant purchases, Flights, Hotels & much more.

Cashback means an amount in AED, earned on Qualifying Transactions in the selected category type at the rate decided by the Bank from time to time at its absolute discretion.

This is one of the two categories that can be chosen by the customers for any given calendar month. Choosing the Lifestyle category enables the customer to earn accelerated cashback (rewards) in the ‘Lifestyle category’ spends defined by the bank. This includes domestic spend categories classified by the Bank such as Supermarket, Dining, Fuel & Education are termed as Lifestyle categories.

This is one of the two categories that can be chosen by the customers for any given calendar month. Choosing the Travel category enables the customer to earn accelerated cashback in the ‘Travel category’ spends defined by the bank. This includes domestic and international spend categories classified by the Bank such as Airlines, Hotels & Dining.

No, you earn cashback on all your spends, the aforementioned categories only provide accelerated cashback based on the category type chosen by you.