The UAE is home to a growing demand for financial products that are aligned with Islamic principles.
For many residents, finding the best Islamic credit cards is a top priority whether for cashback, rewards, or travel benefits.
In 2025, Shariah compliant credit cards are more accessible than ever, with top banks offering a variety of benefits that don’t compromise on the values of Islamic banking.
In this guide, we’ll take you through the best Islamic credit cards in the UAE for 2025, explore their features, and help you find the perfect card for your needs.
What Are Islamic Credit Cards?
Islamic credit cards are financial products that adhere to Shariah law, meaning they operate without interest (Riba) or any activities considered haram (forbidden). Instead of charging interest on outstanding balances, Islamic credit cards work under a profit-sharing model or offer fixed fees.
Key features of Islamic credit cards include:
- No interest charges: Cardholders are not charged interest, but instead, they may be charged a flat service fee.
- Profit-sharing: Some Islamic credit cards work on a profit-sharing basis, where the bank earns a profit through investments instead of charging interest.
- Ethical transactions: The credit cards encourage purchases that align with Islamic values.
For many UAE residents, the appeal lies in the interest-free feature and the Shariah-compliant structure.
Top Islamic Credit Cards in UAE for 2025
1. Dubai Islamic Bank (DIB)- Platinum Credit Card
Key Features:
- Cashback: Up to 1.5% cashback on local and international purchases.
- No Annual Fee: Free for the first year.
- Airport Lounge Access: Complimentary access to over 900 airport lounges worldwide.
- Balance Transfer: Available for transferring balances at low profit rates.
Best For: People looking for a simple, rewarding credit card with cashback benefits and travel perks.
Dubai Islamic Bank offers a straightforward approach with their Platinum Credit Card.
Whether you're a frequent traveler or someone who enjoys the convenience of cashback, this card is perfect for those who want to earn while spending.
It's a Shariah-compliant product with no hidden fees and great value added features.
2. Abu Dhabi Islamic Bank (ADIB)- ADIB Touch Credit Card
Key Features:
- Contactless Payments: The ADIB Touch card supports tap-and-go functionality.
- Reward Points: Earn reward points on every purchase, redeemable for flights, hotel stays, and more.
- Zero Interest: Full payment of the balance within the interest-free period ensures zero profit charges.
- Airport Lounge Access: Free access to select lounges worldwide.
Best For: Tech savvy customers and those who want reward points to redeem for travel.
If you're someone who values contactless payment for convenience and wants to earn reward points for your everyday purchases, the ADIB Touch Credit Card is an excellent choice.
It combines the best of Shariah-compliant banking with modern technology to offer seamless payments and travel perks.
3. Emirates Islamic Bank – Platinum Credit Card
Key Features:
- Cashback: Earn up to 1% cashback on all purchases.
- No Annual Fee: First year free, with a low annual fee after.
- Airport Lounge Access: Enjoy free access to over 1,000 airport lounges worldwide.
- Shariah-Compliant Rewards Program: Points can be redeemed for shopping, dining, or travel.
Best For: People who prefer a simple, no-frills cashback card.
The Emirates Islamic Platinum Credit Card offers excellent value with its cashback and airport lounge access benefits.
Whether you're purchasing groceries or booking flights, you earn cashback on every transaction. Plus, if you travel often, you’ll love the access to premium airport lounges across the globe.
4. Mashreq Bank – Mashreq Al Islami Gold Credit Card
Key Features:
- Reward Points: Earn points on every dirham spent and redeem for flights, shopping, and more.
- EMI Option: Flexible EMI options for big-ticket purchases.
- Cashback: Competitive cashback offers on various categories.
- No Hidden Fees: Transparent pricing with no hidden charges.
Best For: Those looking for flexible EMI options and a rewards program.
Mashreq Bank's Mashreq Al Islami Gold Credit Card offers a blend of flexibility and rewards.
It is designed for individuals who want to balance between earning reward points and taking advantage of EMI options.
Whether it’s for shopping or travel, you can redeem your points for a variety of rewards.
5. Sharjah Islamic Bank – Platinum Credit Card
Key Features:
- No Annual Fee: First year free, with a reasonable fee for subsequent years.
- Reward Points: Earn points for every dirham spent, redeemable for travel, shopping, and more.
- Zero Interest: Interest-free periods for purchases paid in full.
- Free Airport Lounge Access: Complimentary access to selected lounges.
Best For: Customers seeking a balance of reward points and low fees.
The Sharjah Islamic Bank Platinum Credit Card offers great value with its no annual fee for the first year, making it an attractive option for new cardholders.
The reward points can be redeemed for travel or shopping, and it’s an excellent choice for those looking for a Shariah-compliant card with low costs and added travel benefits.
How to Choose the Best Islamic Credit Card for You
Selecting the best Islamic credit card depends on your individual financial needs and lifestyle. Here are some factors to consider:
1. Consider Your Spending Habits
- If you spend frequently on groceries and shopping, look for cashback options that offer higher returns.
- For those who travel often, cards that offer airport lounge access and travel rewards will be the most beneficial.
2. Annual Fees
- Many Islamic credit cards offer no annual fee for the first year, but ensure that you’re aware of the fees for subsequent years.
- Low-fee cards can save you a lot over time, especially if you're not looking for high-end perks.
3. Rewards vs. Cashback
- Cashback credit cards are ideal if you want direct financial returns.
- If you’re interested in redeeming points for travel, shopping, or dining, choose a card with reward points.
4. Interest-Free Periods
- Choose cards that allow for zero profit if you pay off your balance in full before the due date.
Benefits of Using an Islamic Credit Card
Islamic credit cards offer several benefits, including:
- Shariah Compliance: No interest charges, ensuring you adhere to Islamic principles.
- Rewards and Cashback: Earn valuable points or cashback that can be redeemed for products, services, or travel.
- Transparency: Clear, upfront terms and fees without hidden charges.
- Ethical Spending: Islamic credit cards only support permissible transactions (halal spending).
- Global Benefits: Many Islamic credit cards offer global perks, such as airport lounge access and discounts on travel and shopping.
How to Apply for an Islamic Credit Card in the UAE
Step 1: Check Eligibility
Ensure you meet the eligibility requirements, including minimum age (usually 21 years or above), minimum income, and necessary documents such as proof of residency, salary certificate, and ID.
Step 2: Choose Your Card
Select the Islamic credit card that aligns with your needs, based on the features, rewards, and benefits discussed above.
Step 3: Submit the Application
You can apply for your credit card online or visit a branch. Some banks may offer easy application through their mobile apps.
Step 4: Wait for Approval
Most applications are approved within a few days, and you’ll be informed about your credit limit and other terms once your application is processed.
Conclusion
Choosing the best Islamic credit card in the UAE for 2025 is a personal decision, and it depends on your spending habits, rewards preferences, and travel needs.
Whether you’re looking for a cashback card, rewards points, or airport lounge access, there’s an Islamic credit card that suits your lifestyle.
Take the time to evaluate your options and choose the card that aligns with your financial goals while ensuring Shariah compliance.
With the right Islamic credit card, you can enjoy the benefits of ethical spending, rewards, and exclusive perks all while adhering to Islamic financial principles.
Frequently Asked Questions (FAQs)
Are Islamic credit cards truly interest-free?
Yes, Islamic credit cards do not charge interest (Riba). Instead, they may apply a profit rate on late payments or balance transfers.
The profit rate is typically lower than conventional interest rates and is in line with Shariah principles.
Can I transfer my balance to an Islamic credit card?
Yes, most banks in the UAE allow you to transfer your existing balance to an Islamic credit card. They usually offer competitive balance transfer rates with zero or low profit rates, depending on the bank’s terms and conditions.
Is there a minimum payment requirement?
Yes, like regular credit cards, Islamic credit cards also have a minimum payment requirement. It is typically a percentage of the outstanding balance, and it's due each month. Failure to meet the minimum payment can result in additional fees or profit charges.
Can I use an Islamic credit card for online shopping?
Yes, you can use your Islamic credit card for online shopping, just like any other credit card.
However, it is important to ensure that the merchant offers products and services that are Shariah-compliant, as Islamic cards cannot be used for transactions involving haram (forbidden) goods or services.
Do Islamic credit cards offer rewards or cashback?
Yes, many Islamic credit cards in the UAE offer reward points, cashback, or airline miles on purchases.
These rewards can be redeemed for various benefits, including shopping, travel, and dining. Always check the specific reward structure of the card to see what suits your spending habits.