Terms and Conditions

Merchant Category	Cashback %	Monthly Cap (in AED)
Telecom Expenses	5%	100
Electronic Purchases	5%	100
Local and International Transactions	1%	No Cap

Cashback rewards

Cash back on all domestic and international transactions includes non-government spends only.
Your cash back rewards are calculated each month based on your monthly spend and have a validity of two years.
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