What is an Islamic Credit Card? (Shariah-Compliant Explained)

An Islamic credit card, also known as a Shariah-compliant or halal credit card, is a financial product that follows the principles of Islamic banking. Unlike conventional credit cards that charge interest (Riba) on outstanding balances, Islamic cards are structured around profit rates, Ujrah (service fees), or Murabaha (cost-plus financing).

These cards are approved by Shariah supervisory boards to ensure that every feature is aligned with Islamic finance rules. This means:

• No interest is charged on balances.
• Earnings are based on transparent fees or pre-agreed profit rates.
• Cashback and rewards are offered without involving haram activities like gambling or alcohol-related purchases.

Islamic credit cards in the UAE are popular among both Emiratis and expats who prefer ethical, interest-free banking while enjoying modern perks such as cashback, airport lounge access, travel protection, and shopping discounts.

Deciding between conventional and Shariah-compliant options? Check out our detailed guide on Islamic vs Conventional Credit Cards in UAE for a side-by-side comparison. You may also like our related resources: Best Credit Cards in UAE Without Annual Fees and How to Build Credit Score in UAE.

Top 7 Best Islamic Credit Cards in UAE for 2025

Looking for a halal credit card in UAE 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.

If you’re exploring options beyond Islamic cards, you may also like our guide on the Best Cashback Credit Cards in UAE and the Best Travel Credit Cards in UAE.

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.

• 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 card is perfect for everyday spending and lifestyle perks while staying Shariah-compliant. It also offers a balanced mix of cashback and travel benefits.

If you want to compare more no annual fee options, check out our guide on the Best Credit Cards in UAE Without Annual Fees.

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 Etihad Airways fans.

• Earn Etihad Guest Miles on every AED spent
• Welcome bonus of up to 50,000 Etihad Guest Miles (limited offer)
• Free valet parking, roadside assistance, and airport benefits
• Exclusive Etihad discounts and priority check-in
• Annual Fee: AED 1,000

Why Frequent Travelers Choose It: This card is an excellent fit for those who travel often and prefer halal banking. You earn air miles ethically and enjoy luxury perks.

Compare with other options in our Best Travel Credit Cards in UAE guide.

3. Emirates Islamic Cashback Plus Credit Card

The Emirates Islamic Cashback Plus Card is designed for families and professionals who want maximum cashback without compromising Islamic principles.

• Up to 10% cashback on groceries, fuel, education fees, and telecom bills
• Complimentary roadside assistance and valet parking
• Free first-year annual fee (AED 313.95 from second year)

Why Choose This Card: This card is ideal for households looking to save significantly on regular expenses.

If you earn a modest salary, check our guide on Best Credit Cards in UAE for Low Salary Earners.

4. Sharjah Islamic Bank Cashback Card

The Sharjah Islamic Bank Cashback Card is affordable and ethical, perfect for shoppers who value transparency.

• Flat 1% cashback on all purchases
• Works with Apple Pay, Google Pay, Samsung Pay
• Annual Fee: AED 300

Why It’s Smart: Simple, low-cost, and halal a practical everyday card.

5. Ajman Bank Platinum Credit Card

The Ajman Bank Platinum Card is an entry-level option that’s Shariah-compliant and beginner-friendly.

• Free first-year annual fee (AED 300 from second year)
• Free airport transfers, discounts, purchase protection
• Transparent fee-based structure

Why It’s Ideal: Great for students, first-time credit card users, or those seeking an affordable halal card.

If you're new to the UAE and want to improve eligibility, see our guide on How to Build a Credit Score in UAE.

6. Emirates Islamic Skywards Infinite Card

The Emirates Islamic Skywards Infinite Card is a luxury Shariah-compliant card for high-income professionals who want Skywards Miles and global travel benefits.

• Earn Skywards Miles with every spend
• Airport lounge access, valet parking, concierge
• Annual Fee: AED 2,625

Why High-Income Users Prefer It: It’s perfect for luxury travelers who want first-class perks while staying compliant with Islamic banking.

7. ADIB Cashback Visa Platinum Card

The ADIB Cashback Visa Platinum Card offers flat cashback and lifestyle discounts.

• 1% cashback on all spends
• Exclusive SmartDeals on dining, shopping, and travel
• Annual Fee: AED 990

Why It’s Recommended: Perfect for professionals who want cashback flexibility without interest charges.

For more cashback choices, check out the Best Cashback Credit Cards in UAE.

Comparison of the Best Islamic Credit Cards in UAE (2025)

Here’s a quick comparison of the top Shariah-compliant credit cards in UAE for 2025. This will help you easily choose the card that matches your lifestyle, spending habits, and financial goals.

For more detailed breakdowns and alternatives, check our full guide on Best Credit Cards in UAE.

How to Choose the Right Islamic Credit Card in UAE

When selecting a Shariah-compliant credit card in the UAE, it’s not just about the cashback or travel perks — you also need to ensure the card fits your lifestyle, salary eligibility, and spending habits.

1. Check Salary Requirements

Most Islamic credit cards in UAE have minimum income requirements ranging from AED 3,000 to AED 15,000. If you earn less, look at beginner-friendly cards such as the Ajman Bank Platinum Credit Card or the ADCB Lulu Platinum Card (covered in our guide on Best Credit Cards in UAE for Low Salary Earners).

2. Look at Cashback & Rewards

If your goal is saving on daily expenses, go for cards like the Emirates Islamic Cashback Plus. Frequent travelers, on the other hand, may benefit more from options like the ADIB Etihad Guest Visa Platinum Card or the Emirates Islamic Skywards Infinite Card (also discussed in our Best Travel Credit Cards in UAE guide).

3. Compare Annual Fees

Some cards are free for life, while others charge between AED 300 – AED 2,600 annually. Always check whether the perks justify the cost. For example, a premium travel card may be worth the fee if you frequently fly.

4. Ensure Shariah Compliance

Every Islamic credit card in UAE follows different models like Ujrah (fee-based) or Murabaha (cost-plus). Choose the one reviewed and approved by a reputable Shariah board to ensure it’s truly halal.

5. Extra Perks

Many Islamic cards come with add-ons like:

• Roadside assistance
• Free lounge access
• Purchase protection
• Digital wallet compatibility (Apple Pay, Samsung Pay, Google Pay)

Still confused? Check out our comparison of Best Credit Cards in UAE Without Annual Fees to see alternatives that may also fit your needs.

How to Choose the Best Islamic Credit Card in UAE (2025)

Picking the right Islamic credit card depends on your spending style, lifestyle needs, and financial goals. While all the cards listed are Shariah-compliant, each comes with unique benefits designed for different types of users. Here are the key factors to consider:

• Spending Habits: If you spend more on groceries, fuel, or education, a cashback-focused card like the Emirates Islamic Cashback Plus Card or Sharjah Islamic Bank Cashback Card may suit you best.
• Travel Frequency: For frequent flyers, travel-focused cards like the ADIB Etihad Guest Visa Platinum Card or Emirates Islamic Skywards Infinite Card provide the best rewards.
• Annual Fees: New users or budget-conscious individuals may prefer cards with low or waived annual fees such as the Ajman Bank Platinum Credit Card.
• Lifestyle Benefits: If you value perks like valet parking, roadside assistance, or lounge access, cards like the Dubai Islamic Bank Prime Platinum Card or ADIB Cashback Visa Platinum Card offer strong lifestyle advantages.
• Compliance & Transparency: All cards listed avoid interest (Riba) and are reviewed by Shariah boards, but the Ujrah model (fixed-fee based) may be preferable if you want maximum transparency.

Pro tip: Before applying, always compare your shortlisted cards with other available options in our guide on Best Personal Loans in UAE and Salary Transfer Accounts in UAE, as bundling financial products can sometimes bring extra benefits.

Benefits of Using Islamic Credit Cards in UAE

Islamic credit cards are not only Shariah-compliant but also practical for everyday spending, travel, and lifestyle perks. They combine modern financial convenience with ethical values, making them an excellent choice for both UAE nationals and expats.

Here are the key benefits of choosing an Islamic credit card in 2025:

• Halal and Ethical Banking – All cards avoid interest (Riba) and instead use models like Ujrah or fee-based structures, ensuring compliance with Islamic principles.
• Cashback and Rewards – Many cards offer cashback on essential spending categories such as fuel, groceries, and education, helping you save while you spend.
• Travel Privileges – Premium cards provide free airport lounge access, travel insurance, valet parking, and discounts on flights, particularly with airlines like Emirates and Etihad.
• Lifestyle Discounts – Islamic credit cards often come with added perks like dining offers, healthcare discounts, and SmartDeals on shopping and entertainment.
• Transparency and Trust – Shariah boards review each product, ensuring fair practices, no hidden charges, and ethical transactions.

Looking for cards that save you money on fuel and groceries? Check our detailed guide on the  Best Cashback Credit Cards in UAE .

Eligibility & Documents Required for Islamic Credit Cards in UAE

Applying for an Islamic credit card in the UAE is simple, but banks have certain eligibility requirements. These requirements vary slightly from one bank to another, but the general conditions are:

Basic Eligibility Criteria

• Minimum salary requirement (ranges from AED 5,000 to AED 15,000 depending on the card).
• Applicant must be at least 21 years old.
• UAE residents and expats are both eligible.
• A good credit score (Al Etihad Credit Bureau report) improves your chances of approval.

Documents Required

• Valid Emirates ID (mandatory for all UAE residents).
• Passport copy with valid residence visa (for expats).
• Latest salary certificate or proof of income.
• Recent bank statements (3 to 6 months, depending on the bank).

If you earn below AED 5,000, you can still qualify for certain halal cards. Check our guide on Best Credit Cards in UAE for Low Salary Earners to explore more options.

Pro Tip: Before applying, you can improve your eligibility by building a strong credit history. Read our expert guide on How to Build Credit Score in UAE .

How to Choose the Right Islamic Credit Card in UAE

With so many Shariah-compliant credit cards available in the UAE, choosing the right one depends on your lifestyle, income, and financial goals. Instead of taking the first offer you see, compare features carefully to get maximum value.

Tips for Choosing the Best Islamic Credit Card

• Check the fee structure: Prefer transparent Ujrah (service fee) or fixed-fee models and avoid cards with hidden charges.
• Match benefits to lifestyle: Frequent flyers should pick cards with lounge access and air miles; families may benefit more from grocery/education cashback cards.
• Confirm salary eligibility: Verify the minimum salary before applying to prevent rejections. If your income is modest, see Best Credit Cards in UAE for Low Salary Earners.
• Review cashback & rewards caps: Some cards offer higher rates but impose monthly limits ensure they align with your spending.
• Bank reputation & Shariah oversight: Prefer established issuers like DIB, ADIB, and Emirates Islamic with active Shariah boards.

For everyday savings, explore our guide to the Best Cashback Credit Cards in UAE. If you travel often, compare perks in the Best Travel Credit Cards in UAE.

How to Apply for an Islamic Credit Card in UAE (Step-by-Step)

Follow these simple steps to get approved faster while staying fully Shariah-compliant.

Step 1: Compare and shortlist

Pick 2–3 cards that match your lifestyle (cashback vs travel) and salary eligibility. If you want zero yearly cost, also review best credit cards in UAE without annual fees.

Step 2: Check eligibility

• Minimum salary (typically AED 5,000–15,000)
• Age 21+ (some banks allow 18+ with conditions)
• Good AECB credit score and stable income

If your income is modest, see Best Credit Cards in UAE for Low Salary Earners.

Step 3: Prepare documents

• Emirates ID
• Passport + valid residence visa (for expats)
• Salary certificate or last 3 payslips
• Last 3–6 months’ bank statements

Step 4: Apply online or via branch

Submit your application through the bank’s website or visit a nearby branch. Many issuers offer quick pre-approvals and pickup of documents.

Step 5: Verification & approval

The bank may call to verify employment and income. Once approved, your card is delivered and you can activate it via mobile banking.

Step 6: Use responsibly & build score

• Pay the statement on or before due date
• Stay within limits and monitor spending caps
• Enable alerts and set autopay where possible

Want to boost approval odds? Read How to Build Credit Score in UAE.

Common Mistakes to Avoid When Applying for Islamic Credit Cards in UAE

Many applicants get rejected or miss out on benefits because of simple oversights. Here are the most common mistakes you should avoid when choosing a Shariah-compliant card.

1. Ignoring salary requirements

Applying for a card without meeting the minimum salary (AED 5,000–15,000) usually results in automatic rejection. If you earn on the lower side, check our guide on Best Credit Cards in UAE for Low Salary Earners.

2. Assuming “first year free” means lifetime free

Some banks waive the annual fee for only the first year. Always confirm if the card is free for life or if charges apply later.

3. Not checking credit score

A weak AECB credit score can delay or block approval. Build your credit health first by paying bills on time and reducing debt. Learn more in How to Build Credit Score in UAE.

4. Applying for too many cards at once

Submitting multiple applications creates multiple credit checks, lowering your score and reducing approval chances. Apply selectively for the best-fit card.

5. Choosing perks over real value

Don’t get swayed by premium perks like free golf or luxury lounge access if you won’t use them. Focus on cashback, rewards, and lifestyle benefits you actually need. For instance, if you’re a frequent traveler, consider checking our Best Travel Credit Cards in UAE.

Conclusion: Choosing the Best Islamic Credit Card in UAE

Islamic credit cards in the UAE combine halal financial principles with modern lifestyle benefits, making them a smart choice for both residents and expats. Whether you want to earn cashback, enjoy travel perks, or simply have a Shariah-compliant way to manage expenses, there are excellent options available in 2025.

To choose wisely, always compare salary requirements, cashback limits, and lifestyle perks. If your focus is daily savings, consider a cashback credit card in UAE. If you’re a frequent traveler, you might benefit more from a travel credit card in UAE. And for those seeking maximum affordability, explore our guide to no annual fee credit cards.

By aligning your choice with your lifestyle and financial goals, you’ll enjoy the best of both worlds—modern convenience and full compliance with Islamic banking principles.