CashBack plus card CashBack plus card

Key Benefits

Cashback

Cashback

Up to 10% cash back on groceries, education, dining, and telecom.

Nol card

Nol card

Built in Nol card for easy access and payments on RTA transport network.

Lounge access

Lounge access

Unlimited complimentary access to over 1000+ airport lounges worldwide.

Complimentary Golf

Complimentary Golf

2 free rounds of golf any day of the week.

Rewards

Earn up to 10% cash back


Up to 10% cash back on supermarket spends

Start saving on your groceries by earning up to 10% cash back on purchases made at any supermarket in the UAE and abroad

Up to 10% cash back on education

Give your children the best education they deserve and get up to 10% cash back on school and university fees, in the UAE and overseas

Up to 10% cash back on dining

Dine at your favorite restaurants around the world and enjoy up to 10% cash back

Up to 10% cash back on telecom expenses

Enjoy great savings on your Etisalat and du bills in UAE and telecom services across the globe

Redeem your Cashback Plus points

Redeem your cashback points within seconds through Online Banking or through our Mobile Banking app.

All you need to do is follow the steps below:
  • Log in to your Emirates Islamic account through Online Banking or Mobile Banking
  • Click on 'Cards'
  • Tap on 'Rewards'
  • Select 'Redemption' and submit your request.

How to earn cash back

Total Monthly Spend Cash Back Rewards
  Supermarkets Education Dining Telecom
AED 0-2,999 0% 0% 0% 0%
AED 3,000 - 9,999 3% 3% 3% 3%
AED 10,000 - 17,499 5% 5% 5% 5%
AED 17,500+ 10% 10% 10% 10%
Maximum Cash Back Per Month 200 200 200 200

For more details about Cash Back Plus earning rates please Click here.

Benefits

RTA benefits

Embedded Nol chip
Your Cashback Plus Credit Card comes with a built-in RTA Nol Chip. Not only can you use your Card to make purchases and cash withdrawals, but also for payments on the RTA transit network, including RTA Metro, RTA Bus, RTA Water Bus, parking meters, Salik and much more.

Auto top-up facility on Salik and Nol
With your Emirates Islamic Cashback Plus Credit Card you can enjoy auto top-ups on Nol and Salik. By activating this facility you don’t have to remember to recharge your Salik account or queue up at the RTA station to recharge your Nol chip. To activate the auto top-up facility, please call us on 600 599 995.

Any top up made on your Card through online or mobile banking channels will get updated/recharged after 48hrs. You must visit any metro station reader or parking machine after 48 hours in order to update the NOL balance on the card prior to use. For more details please Click here.

Gold Class cabin access
Enjoy travelling at ease with your Cashback Plus Credit Card. Your card is embedded with a chip that allows you access to Gold Class Cabin on the Dubai Metro. Now you can escape the crowd and sit in peace while you get to your destination.

Complimentary Reel Cinemas Movie Tickets

Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week. Click here to know about the eligibility criteria.

Complimentary airport lounge access

Travelling abroad? You and your supplementary cardholders can enjoy unlimited access to over 1000 airport lounges worldwide. Just present your Card at the participating lounges to enjoy complimentary access. To find out about participating lounges please visit www.loungekey.com/visasignature

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
  • For every accompanying guest, cardholders will be charged US $27 per person per visit

Complimentary Golf any day of the week

Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. To book your game, please click here and submit the completed form.

Enjoy 15% off on Emaar Entertainment Attractions

Enjoy 15% discount on the below Emaar Entertainment Attractions.

  • Dig It - Stay and Dig
  • KidZania Abu Dhabi
  • KidZania Dubai
  • VR Park – Pay & Play
  • Ekart
  • Ice Rink
  • The Dubai Fountain Boardwalk
Click here to know about Emaar Attractions Term & Conditions.

Extended warranty

When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer’s warranty up to one year from the expiry date of the original warranty. For more details Click here

Purchase protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift. For more details Click here

Cash on call facility

With your Emirates Islamic Cashback Plus Credit Card you can avail Cash on Call facility of up to 80% of your available credit limit. For more details Click here

Luxury Hotel Collection

Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Cashback Plus Credit Card. This hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.

Privileges on your card:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher
For more details please www.visaluxuryhotels.com

Multi Trip Travel Insurance

Travel with complete freedom and peace of mind. Your Cashback Plus Credit Card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. To get your travel insurance certificate please click here

Easy Payment Plan

Shop to your heart's content with the 0% Easy Payment Plan. From electronics, telecom, supermarket and jewellery; ask for our profit free Easy Payment Plans of 3, 6, 9 or 12 months when making a purchase at our partner outlets such as Carrefour and Sharaf DG among others. For more details click here.

*Cashback Plus Free for life

This offer (Offer) is applicable for all Emirates Islamic Cashback Plus Credit Card Program ("Program" "Card") applicants (the Applicant(s)) and shall be valid only during the Offer's campaign period starting from February 2021 to 31 December 2021 inclusive of both dates (Campaign Period). For more details on the campaign please Click here.

Card Benefits

Explore the other benefits of using your Emirates Islamic Credit Card. Learn more about Supplementary Cards, Cash on Call, balance Transfer, Easy Payment Plans and other card benefits.

Schedule of Charges

Please click here to view schedule of charges

Important information

Please click here to view Emirates Islamic Credit Cards – Important information.

Mazaya Offers

Mazaya Offer

Get unmatched benefits, discounts and privileges.

Know More »

Frequently Asked Questions

Emirates Islamic Cashback Plus Credit Card brings to you:

  • Up to 10% cash back on supermarkets, education, dining and telecom spends in the UAE and abroad
  • An embedded RTA NOL chip that allows you to make payments on the RTA transit network
  • Auto top-up facility for Salik and NOL accounts
  • Gold Class cabin access on the metro
  • Unlimited complimentary access to over 1000 airport lounges worldwide

Please note all above benefits can be enjoyed by Primary as well as Supplementary card holders

An Emirates Islamic Cashback Plus Credit Card is the only credit card that brings to you a cash back equipped rewards program with an embedded RTA Nol Chip. This makes it a unique offering in the market as the Card not only will rewards you for your daily spends but also allows you to make RTA network payments through a single card. You can earn cash back on both domestic and international spend under each qualifying categories. It also allows you to enjoy complimentary unlimited access to over 1000 airport lounges worldwide.

Cash back will be earned on payments for supermarket, school fees, dining and telecom earn up to 10% cash back in the form of cash back points. The maximum cash back mentioned above is subject to meeting the minimum monthly expenditure of AED3,000. Total expenditure includes all spends on your Card and are not limited to payments made for supermarket, school fees, dining and telecom only.

Cash back % is based on the spend tiers. Please see the below table for your reference. Under each category there is a cap on the maximum cashback that can be earned.

Total Monthly Spend Cash Back Rewards
  Supermarkets Education Dining Telecom
AED 0-2,999 0% 0% 0% 0%
AED 3,000 - 9,999 3% 3% 3% 3%
AED 10,000 - 17,499 5% 5% 5% 5%
AED 17,500+ 10% 10% 10% 10%
Maximum Cash Back Per Month 200 200 200 200

1 Cash back Point = 1 AED

The annual fee on the Card is AED 299 for the primary card holder. Supplementary cards are free for life.

Cash back will be earned on spends made on the supplementary card. However please note that the cash back can be redeemed only against the Primary Card account and will appear only on the statement of the Primary Card account.

Redeem your cashback points within seconds through Online Banking or through our Mobile Banking app.


All you need to do is follow the steps below:

  • Log in to your Emirates Islamic account through Online Banking or Mobile Banking
  • Click on 'Cards'
  • Tap on 'Rewards'
  • Select 'Redemption' and submit your request.

Yes Cashback Plus points have a validity of 2 years from the date of earning and if not redeemed within the period will be expired.

Cashback Plus points that has not been redeemed within 2 years from its earn date or post the cancellation of the Card will be forfeited.

In case of a reversal of a transaction, the cash back on the transaction will also be reversed. Savings will be awarded to only actual purchase transactions.

  • Balance transfer
  • Cash withdrawals
  • Easy Payment plans
  • School Fee Payment Plan installment
  • Cash Advances
  • Fees and Charges
  • Credit Card payments
  • Merchant refunds
  • Any other transaction determined by Emirates Islamic Bank from time to time

No this cannot be done as rewards redemption can only be done against the card on which the reward points were accrued.

You can choose from the below options to make Card payments:

  • Standing instruction to debit your Emirates Islamic Current/Investment Savings Account
  • Online payments through Emirates Islamic Online Banking
  • Cash payments through Emirates Islamic branches or Cash Deposit Machines
  • Cheque payments (for current dated Cheques only) through Emirates Islamic branches or Cheque Deposit Machines
  • Cash Payments through Al Ansari Exchange, Al Fardan Exchange, Al Rostamani Exchange or UAE Exchange branches