In 2025, more UAE residents are choosing best halal credit cards in UAE 2025 that align with their faith and support ethical finance. These Shariah-compliant credit cards are designed without interest charges and avoid transactions that go against Islamic principles. Whether you're a UAE national or an expat in Dubai, there are excellent interest-free Islamic credit cards in UAE that offer real value.
Leading Islamic banks such as Emirates Islamic, Dubai Islamic Bank (DIB), and Abu Dhabi Islamic Bank (ADIB) provide top-rated options tailored for responsible spending. You can enjoy features like cashback on every purchase, airport lounge access, and no hidden fees. All while staying true to your values.
In this updated guide, we’ll explore the Best Islamic Credit Cards in UAE 2025, including detailed comparisons, exclusive benefits, and tips to choose the right option for your lifestyle. From Islamic credit cards with cashback in UAE to Shariah-compliant credit cards for expats in Dubai, find the perfect card that fits both your beliefs and your budget.
Top 7 Best Islamic Credit Cards in UAE for 2025
Looking for a halal credit card that fits your lifestyle in 2025? Whether you’re after cashback, travel perks, or no interest charges, these Shariah-compliant credit cards in the UAE are trusted, ethical, and packed with valuable features.
Here are the top 7 best Islamic credit cards in UAE for 2025:
1. Dubai Islamic Bank Prime Platinum Card
The DIB Prime Platinum Card is one of the most popular Shariah-compliant credit cards in the UAE for 2025. It's designed for individuals who want practical rewards, ethical spending, and access to convenient lifestyle perks.
Key Features of Dubai Islamic Bank Prime Platinum Card:
- Earn 1% cashback on both local and international purchases
- Enjoy free airport lounge access through LoungeKey
- Get complimentary roadside assistance and discounted healthcare services
- Built on the Ujrah model, making it fully compliant with Islamic finance principles
- Annual Fee: AED 315
Why It's a Top Islamic Credit Card in UAE:?
The Dubai Islamic Bank Prime Platinum Card is a smart choice for individuals who want a credit card that aligns with their values without compromising on benefits. Built on the Ujrah model, this card is Shariah-compliant, meaning it avoids interest (Riba) and supports ethical spending habits.
Here’s why it stands out in 2025:
- Everyday cashback: Earn a flat 1% cashback on all local and international purchases, helping you save on daily expenses.
- Travel and lifestyle perks: Enjoy free airport lounge access, roadside assistance, and discounts on medical and wellness services.
- Affordable annual fee: At just AED 315, it offers premium benefits at a reasonable cost.
- Transparent and ethical: There’s no interest involved, no hidden charges, and the card is reviewed by a dedicated Shariah board.
Whether you're a frequent traveler, a professional, or someone who simply prefers halal financial products, the DIB Prime Platinum Card delivers a balance of value, convenience, and Islamic ethics.
Apply Now – Dubai Islamic Bank Prime Platinum Card (Official Website)
2. ADIB Etihad Guest Visa Platinum Card
The ADIB Etihad Guest Visa Platinum Card is a premium Shariah-compliant travel credit card that caters to frequent flyers and those who prefer Etihad Airways. It offers generous air mile rewards, luxury benefits, and a halal financing structure that avoids interest charges.
Key Features of ADIB Etihad Guest Visa Platinum Card:
- Earn Etihad Guest Miles on every AED you spend
- Get a welcome bonus of up to 50,000 Etihad Guest Miles (limited time offer)
- Enjoy free valet parking, roadside assistance, and airport benefits
- Benefit from exclusive Etihad travel discounts and priority check-in offers
- Annual Fee: AED 1,000
Built on a Shariah-compliant structure with no interest, approved by ADIB’s Islamic board
Why Frequent Travelers Choose It:?
This card is perfect for UAE residents who want to earn air miles in a halal way while enjoying luxury travel perks. Whether you're flying for business or leisure, the ADIB Etihad Guest Card helps you turn every expense into a travel reward.
Here’s why this card stands out in 2025:
- Get rewarded with Etihad Guest Miles on everyday spending, including retail, groceries, and online purchases
- Access premium benefits such as free valet parking, exclusive travel offers, and airport lounge services
- No interest applies. The card uses a fixed fee or profit-sharing model under Islamic banking guidelines
- Offers peace of mind through ADIB’s trusted reputation and commitment to ethical finance
If you fly Etihad often and want a halal credit card that brings you closer to your next trip, this card is a top travel companion.
Apply Now-ADIB Etihad Guest Visa Platinum Card (Official Website)
3. Emirates Islamic Cashback Plus Credit Card
The Emirates Islamic Cashback Plus Card is one of the most rewarding Shariah-compliant credit cards in the UAE for 2025. It's designed for families, working professionals, and ethical spenders who want maximum cashback on their daily expenses.
Key Features:
- Earn up to 10% cashback on groceries, fuel, education fees, and telecom bills
- No interest charges, as it follows a fixed monthly fee model
- Enjoy complimentary roadside assistance and free valet parking at selected locations
- Annual Fee: Free in the first year, then AED 313.95 from the second year onward
- Fully Shariah-compliant and approved by a dedicated Islamic finance board
Why Choose Emirates Islamic Cashback Plus Credit Card?
If you want to save more on the expenses you make every day, this card delivers excellent value. It offers one of the highest cashback rates available in the UAE while maintaining a halal, interest-free structure.
Here is what makes it a top pick:
- Offers one of the highest cashback rates among Islamic credit cards in the UAE
- Helps you save on your monthly household expenses without paying interest
- Comes with value-added benefits like valet parking and emergency roadside help
- Simple fee structure and transparent terms backed by Emirates Islamic’s trusted reputation
If you are looking for a halal credit card that gives you practical rewards and peace of mind, this one should be at the top of your list for 2025.
Apply Now - Emirates Islamic Cashback Plus Credit Card (Official Website)
4. Sharjah Islamic Bank Cashback Card
The Sharjah Islamic Bank Cashback Card is a reliable and affordable option for anyone seeking a halal credit card for everyday use. With a flat cashback rate and no interest involved, it's ideal for shoppers who value simplicity, transparency, and ethical banking.
Key Features of Sharjah Islamic Bank Cashback Card:
- Earn a flat 1 percent cashback on every purchase, whether local or international
- Fully Shariah-compliant, based on a fixed monthly fee instead of interest
- Works with Apple Pay, Google Pay, and Samsung Pay for easy digital payments
- Designed for hassle-free, ethical spending with no hidden charges
- Annual Fee: AED 300
Why Sharjah Islamic Bank Cashback Card is a Smart Option?
This card is a great fit if you want a straightforward cashback card that follows Islamic finance principles. There are no complex reward rules or category restrictions. Just spend, earn cashback, and stay compliant with your values.
Reasons to choose this card:
- Ideal for day-to-day expenses like groceries, fuel, dining, and online shopping
- Offers interest-free transactions with a predictable, low monthly cost
- Trusted by many UAE residents for its simplicity and ethical structure
- Fully supports contactless and mobile payments, making it convenient and modern
If you want a low-cost Islamic credit card that rewards you on every dirham spent, this is a dependable choice in 2025.
Apply Online -Sharjah Islamic Bank Cashback Card (Official Website)
5. Ajman Bank Platinum Credit Card
The Ajman Bank Platinum Credit Card is a great entry-level option for those new to credit cards or looking for an affordable, Shariah-compliant solution. It offers essential lifestyle benefits, simple usage terms, and zero interest in line with Islamic finance principles.
Key Features of Ajman Bank Platinum Credit Card:
- Fully Shariah-compliant, using a transparent fee-based structure
- Enjoy free airport transfers, exclusive discounts, and purchase protection
- No annual fee in the first year, making it easy for new users to get started
- Compatible with digital wallets and secure for online transactions
- Annual Fee: AED 0 for Year 1, AED 300 from Year 2
Why Ajman Bank Platinum Credit Card Ideal for New Users?
This card is designed for students, first-time credit card users, or anyone looking for a low-cost Islamic credit card in the UAE. It provides access to useful benefits without charging interest or complex fees.
Here’s why this card is worth considering:
- Offers essential perks like airport transfers and purchase protection
- Keeps your spending halal through a no-interest, fixed-fee model
- Makes it easy to build credit responsibly while staying within your budget
- Supported by Ajman Bank’s commitment to ethical, transparent banking
If you're just getting started with credit or want a simple, affordable halal card, this is one of the best choices available in 2025.
Apply Online Ajman Bank Platinum Credit Card (official Website)
6. Emirates Islamic Skywards Infinite Card
The Emirates Islamic Skywards Infinite Card is one of the most prestigious Shariah-compliant credit cards in the UAE. It is tailored for frequent flyers and luxury seekers who want to earn Skywards Miles while enjoying first-class travel privileges, all within an interest-free, halal financial structure.
Key Features of mirates Islamic Skywards Infinite Card:
- Earn Skywards Miles every time you spend, with accelerated rewards on Emirates bookings
- Access to airport lounges, valet parking, and concierge services
- Comes with multi-trip travel insurance for global protection
- No interest charges. The card follows the Ujrah fee-based model under Islamic principles
- Annual Fee: AED 2,625
Why High-Income Users Prefer This Card?
This card is ideal for professionals, executives, and frequent travelers who value both luxury benefits and Shariah compliance. If you frequently book with Emirates or want a premium card that reflects your lifestyle while avoiding interest-based transactions, this is a standout option.
Reasons to consider this card:
- Earn generous Skywards Miles and enjoy faster upgrades and flight redemptions
- Access top-tier travel privileges, including global lounge entry and travel insurance
- Maintain full compliance with Islamic banking through a fee-only structure
- Enjoy world-class service backed by Emirates Islamic Bank’s reputation for ethical finance
If you are looking for a luxury Islamic credit card with global benefits and unmatched travel rewards, this is one of the most powerful options available in the UAE for 2025.
Apply Online Emirates Islamic Skywards Infinite Card (Official Website)
7. ADIB Cashback Visa Platinum Card
The ADIB Cashback Visa Platinum Card is a reliable choice for individuals who want consistent cashback on every purchase, paired with valuable lifestyle discounts. Fully Shariah-compliant, this card follows the Ujrah model, meaning there are no interest charges and all transactions remain halal.
Key Features of ADIB Cashback Visa Platinum Card:
- Earn 1 percent cashback on every transaction, both local and international
- Get exclusive access to SmartDeals, ADIB’s discount platform for dining, travel, shopping, and wellness
- Enjoy roadside assistance, purchase protection, and free supplementary cards
- Transparent fee-only structure that avoids interest or compound charges
- Annual Fee: AED 990
Why It's Recommended:?
This card is well-suited for both salaried professionals and self-employed individuals who want a halal cashback credit card that rewards all types of spending without interest.
Here’s what makes this card a strong pick in 2025:
- Offers flat cashback with no spending category restrictions
- Access to exclusive SmartDeals can significantly reduce your monthly expenses
- Provides added peace of mind with purchase protection and travel assistance
- Backed by Abu Dhabi Islamic Bank’s strong reputation for ethical banking
If you're looking for a dependable and flexible Shariah-compliant credit card that delivers value on every dirham you spend, this card is a solid option to consider.
Apply Online ADIB Cashback Visa Platinum Card Official Website
How to Choose the Best Islamic Credit Card
Choosing the right Islamic credit card in the UAE is more than just finding a card with rewards. It’s about matching the card to your lifestyle, spending habits, and values while ensuring compliance with Shariah principles. Here's how to make the best decision:
1. Understand Your Spending Habits
Your everyday expenses should guide your credit card choice:
- If you frequently spend on groceries, fuel, education, or telecom, a card with high cashback rates in those categories will be ideal.
- For those who travel often, look for Islamic cards offering airport lounge access, Etihad or Skywards miles, and travel insurance.
- If your expenses are varied, a flat cashback card is a smart all-rounder.
Matching your spending style with card features ensures you receive maximum value.
2. Compare Annual Fees and Long-Term Costs
Many halal credit cards offer zero annual fees in the first year, but charge a fee after that.
- If you’re a beginner or student, look for cards with low or waived annual fees.
- Premium cards that offer luxury benefits may come with higher annual fees, so choose one only if you will use those perks regularly.
- Always review the fee structure to avoid surprises later.
Lower fees mean you retain more savings over time without sacrificing benefits.
3. Choose Between Cashback and Rewards
Not all Islamic credit cards offer the same type of benefit:
- Cashback cards give you a percentage of your spending back, often as a statement credit or account rebate. These are great if you want simple, direct savings.
- Reward points or air miles are better for those who travel or shop frequently. These points can be redeemed for flights, hotel stays, shopping vouchers, or charitable donations.
Pick a reward structure that fits your goals—whether that’s saving money or enhancing your lifestyle.
4. Ensure Genuine Shariah Compliance
All Islamic credit cards should avoid interest (Riba), but the model used to replace it can vary:
- Cards operating under the Ujrah model charge a fixed monthly or annual fee instead of interest.
- Some use profit-sharing, where the bank earns through halal investments.
- Ensure the card offers a zero-profit option if you pay the full balance within the due period.
Transparency and compliance with Islamic finance principles are key for ethical and stress-free credit use.
By evaluating your spending patterns, understanding the fee structure, and comparing reward options, you can find a Shariah-compliant credit card that fits both your budget and beliefs.
Whether you're a traveler, a family spender, or a student, there's a halal credit card in the UAE to match your lifestyle in 2025.