Looking for Shariah-compliant credit cards in the UAE? We have compared 10 Islamic credit cards from leading Islamic banks in the United Arab Emirates — all certified by Shariah boards and free from interest (riba).
Islamic credit cards in the UAE operate on Murabaha (cost-plus sale), Ujrah (fee-for-service), or Qardh (interest-free loan) models instead of charging conventional interest. Here are the best options for 2026.
Top 10 Islamic Credit Cards in UAE (2026)
1. ADIB Cashback Visa Card
Bank: Abu Dhabi Islamic Bank
- Shariah Model: Murabaha — profit-rate, no interest
- Cashback: 4% on groceries, fuel, dining, utilities (cap AED 1,000/month)
- Profit Rate: 2.99% per month
The ADIB Cashback Visa Card offers 4% cashback across most daily spending categories — one of the highest Shariah-compliant cashback rates in the UAE.
2. Emirates Islamic Cashback Credit Card
Bank: Emirates Islamic Bank
- Annual Fee: No annual fee
- Cashback: Up to 10% on supermarkets, education, dining, telecom
- Benefits: 1,000+ lounges, unlimited golf, Buy 1 Get 1 movies, 0% balance transfer 6 months
Best free Islamic cashback card in the UAE — up to 10% back on daily categories with premium benefits including unlimited golf and 1,000+ airport lounges.
3. ADIB Booking Infinite Card
Bank: Abu Dhabi Islamic Bank
- Travel Cashback: 7% on flights, 5% on fuel
- Flexibility: Any airline, any hotel, anywhere
- Benefits: Hotel discounts, dining cashback, lounge access, free valet
The top Islamic travel card in the UAE — 7% back on flights with full flexibility on airlines and hotels. Shariah-compliant with premium travel benefits.
4. DIB Consumer Platinum Card
Bank: Dubai Islamic Bank
- Cashback: Up to 4% on supermarkets, school fees, fuel, utilities
- Shariah Board: Certified by DIB's internal Shariah board
- Partnership: Developed with UAE Dept. of Economic Development
Ideal Islamic card for UAE families — 4% cashback on school fees, supermarkets and fuel. Developed in collaboration with the Department of Economic Development.
5. Emirates Islamic RTA Credit Card
Bank: Emirates Islamic Bank
- Annual Fee: Free for life
- Cashback: 10% on RTA and fuel payments, up to 2.25% on other spends
- Unique Feature: Built-in Nol chip for metro, bus, Salik and parking
- Benefits: Buy 1 Get 1 movies, extended warranty, emergency medical/legal assistance
The only credit card in the UAE with a built-in Nol chip — tap directly for metro, bus, Salik tolls and parking. 10% cashback on all RTA and fuel spending.
6. ADIB EDGE Card
Bank: Abu Dhabi Islamic Bank
- Rewards: 2.5 reward points per AED 1 spent
- Dining: 10% dining cashback
- Benefits: Shopping discounts, lounge access, purchase protection
High rewards rate of 2.5 points per AED 1 plus 10% dining cashback — one of the most rewarding Islamic cards in the UAE.
7. DIB Consumer Reward Card
Bank: Dubai Islamic Bank
- Cashback: Up to 3% on everyday purchases
- Shariah Board: DIB Shariah certified
Entry-level Islamic cashback card from the oldest and largest Islamic bank in the UAE. Simple 3% cashback on everyday categories.
8. Emirates Islamic Cashback Plus Card
Bank: Emirates Islamic Bank
- Annual Fee: No annual membership fee
- Shariah-Compliant: Yes
No-fee Islamic cashback card from Emirates Islamic — a subsidiary of Emirates NBD with full Shariah compliance.
9. SIB Smiles Titanium Mastercard
Bank: Sharjah Islamic Bank
- Rewards: Earn Smiles points on every transaction
- Redemption: Airline tickets, hotel stays, cashback, gift vouchers
Sharjah Islamic Bank's flagship rewards card — earn Smiles points on every purchase, redeemable for flights, hotels, cashback and more.
10. ADIB Etihad Guest Gold Card
Bank: Abu Dhabi Islamic Bank
- Miles: Up to 1.5 Etihad Guest Miles per AED 4 spent
- Welcome Bonus: Double signup Etihad Guest miles
- Shariah-Compliant: Yes
Best Islamic travel card for Etihad frequent flyers. Earn Etihad Guest Miles on every Shariah-compliant purchase.
How Islamic Credit Cards Work in the UAE
Islamic credit cards are fundamentally different from conventional cards:
- No interest (riba) — Instead of charging interest, Islamic banks use a profit-rate model (Murabaha) or fee-based structure (Ujrah)
- No gambling or speculation — Cards cannot be used for gambling, alcohol, or other non-halal transactions
- Shariah board oversight — Each Islamic bank has a certified Shariah board that reviews all products
- Profit rate vs. interest rate — While the monthly profit rate (2.75–2.99%) appears similar to conventional interest, it is structured as a sale-and-buyback transaction
- Same daily use — Islamic cards work at the same merchants, ATMs, and online stores as conventional cards
Islamic Banks Offering Credit Cards in UAE
- Abu Dhabi Islamic Bank (ADIB) — 11 credit cards, largest range of Islamic cards
- Dubai Islamic Bank (DIB) — 14 credit cards, oldest Islamic bank in UAE (est. 1975)
- Emirates Islamic Bank — 15 credit cards, subsidiary of Emirates NBD
- Sharjah Islamic Bank (SIB) — 6 credit cards
- Al Hilal Bank — 6 credit cards
Frequently Asked Questions
Are Islamic credit cards really interest-free?
Islamic cards don't charge interest in the conventional sense. Instead, they use a profit-rate model where the bank buys the item and sells it to you at a markup (Murabaha). The effective cost may be similar to interest, but the transaction structure is Shariah-compliant.
Can I use an Islamic credit card at any store?
Yes — Islamic credit cards work at all Visa/Mastercard merchants worldwide. However, transactions at non-halal merchants (gambling, alcohol) may be blocked or restricted depending on the bank.
What is the difference between Islamic and conventional credit cards?
The key differences are: (1) no riba — profit rate instead of interest, (2) Shariah board certification, (3) restrictions on non-halal transactions, (4) underlying transaction structured as Murabaha or Ujrah instead of a loan.
Which Islamic bank has the best credit card in the UAE?
For cashback: Emirates Islamic Cashback Card (up to 10%). For travel: ADIB Booking Infinite (7% on flights). For families: DIB Consumer Platinum (4% on school fees). For Etihad miles: ADIB Etihad Guest Gold.
Do Islamic credit cards have annual fees?
Several Islamic credit cards are free — Emirates Islamic Cashback, Emirates Islamic RTA, and Emirates Islamic Cashback Plus all have no annual fee. Premium cards from ADIB and DIB may charge annual fees.
Compare all 267 Credit Cards in the UAE →
Related Searches
People in the UAE also search for:
- Best credit cards in UAE 2026
- Best cashback credit cards in UAE 2026
- Halal credit cards in UAE
- Best Shariah-compliant savings accounts UAE
- Dubai Islamic Bank vs Abu Dhabi Islamic Bank
- Best savings accounts in UAE 2026
How We Compare Islamic Credit Cards in UAE 2026
Our editorial team reviews each Islamic credit card based on Shariah compliance structure, cashback/reward rates, annual fees, eligibility, and additional benefits. Data is sourced from official bank websites and Shariah board certifications.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Sign in with Google to join
