Terms and Conditions

Merchant/Spend Category	Cashback (%)	Monthly Cap (in AED)
Supermarkets (UAE), Diners, Fuel (UAE) & Sports	4%	100
International Transactions	Up to 2%	No Cap
Domestic Transactions (Other)	Up to 1%	No Cap
European Economic Area (EEA) countries & the United Kingdom (UK) spends	0.25%	No Cap
Domestic & International Spend on Automobiles, Insurance, Education, Real Estate, Telecommunication, and Utilities	0.25%	No Cap

Cashback rewards

A minimum spend of AED 1,000 is required to qualify for the cashback program.
Your cashback rewards are calculated each month based on your monthly spend and have a validity of two years.
Cash back on all domestic and international transactions includes non-government spends only.
Bill payments on utilities, telecommunications, RTA, and other services made via Emirates Islamic banking channels (Online Banking, Mobile App, ATM/CDM, and Call center) will NOT earn rewards.
Emirates Islamic is not responsible if a transaction does not get captured under the appropriate merchant category.
Transactions at Charitable Social Service Organizations will NOT earn rewards.
Cash advance transactions will NOT earn rewards made at below merchant categorized by VISA/MasterCard as:
- Purchase of Foreign currency
- Cryptocurrency assets
- Money orders
- Account funding
- Travelers' cheques
- Debt payment
- Stored value card purchases/loads
- Security Brokers Dealers