Enjoy up to 10% Cashback on your Spends
| Spend Categories* |
Cashback % |
Maximum Cashback per month |
| RTA Transport Payments |
10% |
AED 75 |
| Fuel Stations |
10% |
AED 75 |
| International Spends |
2.25% |
Unlimited |
| Domestic Spends |
1.25% |
Unlimited |
| European Economic Area (EEA) countries and UK spends |
0.56% |
Unlimited |
| Domestic & International Spends in specific categories |
| Grocery & Supermarkets |
1% |
Unlimited |
| Quick Service Restaurants (Fast Food Restaurants) |
0.31% |
Unlimited |
| Automobiles & Insurance |
0.19% |
Unlimited |
| Education, Telecommunication & Real Estate |
0.13% |
Unlimited |
*As defined by VISA/Mastercard
- Cashback on all domestic and international transactions includes non-government spends only.
- Transactions at Charitable Social Service Organizations will NOT earn rewards.
- Bill Payments via Emirates Islamic banking channels (Online Banking, Mobile App, ATM/CDM, and Call center) 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
- Effective 1 March 2025; a minimum retail spend of AED 1,000 per statement cycle will be required to earn cashback on Emirates Islamic RTA credit card.
- A minimum of 300 Cashback Points are required to redeem your Cashback Points.
- Your Cashback rewards are calculated each month based on your monthly spend and have a validity of two years.
- In any given month, a Card member shall only be entitled to earn Cashback Points 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 Points during that month.
- Emirates Islamic is not responsible if a transaction does not get captured under the appropriate merchant category.
