Amazon World Credit Card review
Prime members earn up to 6% back on Amazon.ae, up to 2.5% on international spend and up to 2% domestically, while non-Prime members earn up to 3%, 1% and 1% respectively; everyday categories such as grocery, fuel, education and government earn reduced rates. Crucially, there are no stated earning caps, so the returns scale with your spending.
Cashback is paid as Amazon.ae balance or statement credit and remains valid for five years from the date of credit. A welcome bonus of up to AED 500 is available on AED 10,000 retail plus AED 2,500 foreign currency spend within 60 days for cards issued in the qualifying window.
With no annual membership fee, travel medical insurance up to USD 500K, access to 1,300+ airport lounges and up to four supplementary cards, the card is a natural fit for online-first households that already pay for Prime and earn at least AED 15,000 a month.
Card details
| Bank | Emirates Islamic |
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| Card type | Cashback |
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| Card network | Mastercard |
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| Co-brand | Amazon |
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| Minimum salary | AED 15,000 |
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| Annual fee | Free for life |
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| Fee waiver | No annual membership fee |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback (Amazon.ae balance / statement credit) |
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| Reward rate | Prime members: up to 6% on Amazon.ae, up to 2.5% international and up to 2% domestic. Non-Prime: up to 3% on Amazon.ae, up to 1% international and up to 1% domestic. Reduced rates apply on government, grocery, education, insurance, real estate, auto, quick-service restaurants and fuel.The higher tier requires an active Amazon Prime membership, and rates vary by spend category and Prime status No earning caps (unlimited) stated Rewards expire 5 years from the date of credit |
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| Welcome bonus | Up to AED 500 (Prime members AED 250, non-Prime AED 100) on AED 10,000 retail plus AED 2,500 foreign currency spend within 60 days. Valid for cards issued 23 May 2026 to 31 August 2026.Spend AED 10,000 retail plus AED 2,500 foreign currency within 60 days | Prime vs non-Prime bonus tiers | Offer valid until 2026-08-31 |
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| Lounge access | Complimentary unlimited access to 1,300+ airport lounges (8 complimentary visits annually) |
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| Quick cash | Cash advance available |
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| Balance transfer | Balance transfer facility available |
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| Instalment plan | 0% Easy Payment Plans |
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Welcome bonus: Up to AED 500 (Prime members AED 250, non-Prime AED 100) on AED 10,000 retail plus AED 2,500 foreign currency spend within 60 days. Valid for cards issued 23 May 2026 to 31 August 2026.
Terms: Spend AED 10,000 retail plus AED 2,500 foreign currency within 60 days | Prime vs non-Prime bonus tiers | Offer valid until 2026-08-31
Amazon World Credit Card benefits
✓Up to 6% back on Amazon.ae for Prime members
✓No annual fee
✓No earning caps
✓Travel medical insurance up to USD 500K
✓Airport lounge access
✓Up to 4 supplementary cards
Offers and payment options
Quick cashCash advance available
Balance transferBalance transfer facility available
Instalment plan0% Easy Payment Plans
Amazon World Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% (purchase and cash advance) |
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| Cash advance fee | 3.15% of amount or AED 103.95, whichever is higher |
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| Late payment fee | 131.25 |
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| Over-limit fee | 261.45 |
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| Foreign currency fee | 2.34% |
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| Minimum payment | 5% of closing balance or AED 100, whichever is higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It is ideal for frequent Amazon.ae shoppers in the UAE, especially Prime members.
What works well
- ✓Strong 6% return on Amazon.ae for Prime members
- ✓No annual fee and no earning caps
- ✓Good lounge access
What to weigh up
- −Best rate requires a paid Amazon Prime membership
- −Lower earn rates on non-Amazon and everyday categories
Amazon World Credit Card eligibility
Income of more than AED 15,000 per month (per the official page); lower earners are directed to the Amazon Platinum variant
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Amazon World Credit Card FAQs
Income of more than AED 15,000 per month (per the official page); lower earners are directed to the Amazon Platinum variant
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Prime members: up to 6% on Amazon.ae, up to 2.5% international and up to 2% domestic. Non-Prime: up to 3% on Amazon.ae, up to 1% international and up to 1% domestic. Reduced rates apply on government, grocery, education, insurance, real estate, auto, quick-service restaurants and fuel.
It is ideal for frequent Amazon.ae shoppers in the UAE, especially Prime members.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
