Switch Cashback Credit Card review
In Lifestyle mode the card pays a strong 8% on fuel and 4% on supermarket, dining and education, while Travel mode shifts 4% to airlines, hotels and dining; base categories earn 0.5% or 1%. You choose the category each calendar month in the mobile app, and accelerated cashback requires a minimum AED 2,500 posted to your statement.
Category caps keep earnings in check, running from AED 100 on fuel to AED 200 on supermarket, dining, education, airlines and hotels, and cashback is held in a wallet with a AED 300 minimum to redeem across statement credit, miles, vouchers or gadgets. A welcome offer adds AED 500 cashback on AED 15,000 spend within 60 days.
Lifestyle perks include unlimited lounge access, monthly golf rounds, buy-one-get-one cinema tickets, valet parking and travel takaful, and the AED 313.95 annual fee is free in year one and waived thereafter with AED 30,000 of annual spend.
Card details
| Bank | Emirates Islamic |
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| Card type | Cashback |
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| Card network | Visa |
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| Minimum salary | AED 10,000 |
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| Annual fee | AED 313.95 |
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| Fee waiver | Free for Year 1. AED 299 +VAT (AED 313.95 incl VAT) from Year 2, waived if annual retail spend exceeds AED 30,000. |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback |
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| Reward rate | Switchable each month between Lifestyle and Travel. Lifestyle: 8% fuel, 4% supermarket/dining/education, 0.5% telecom/utilities/real estate/government, 1% other. Travel: 4% airlines/hotels/dining, 0.5% telecom/utilities/real estate/government, 1% other.A minimum monthly spend of AED 2,500 posted to the statement is required to earn accelerated cashback. The category (Lifestyle or Travel) is selectable each calendar month via the mobile app, and rewards are calculated per calendar month. Monthly caps: fuel AED 100; supermarket AED 200; dining AED 200; education AED 200; airlines AED 200; hotels AED 200. The 0.5% and 1% base categories have no cap. Cashback is held in a wallet with a minimum AED 300 to redeem. Redeem as statement credit, miles, vouchers, flights, hotels or gadgets. Cashback expires 24 months from the date of credit, and processing takes up to 3 working days. |
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| Welcome bonus | AED 500 cashback on AED 15,000 spend within 60 days of card approval (credited in the 3rd statement cycle). Offer valid until 30 September 2026.Spend AED 15,000 within 60 days of card approval | Offer valid until 2026-09-30 |
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| Lounge access | Unlimited access to 1,200+ airport lounges; the first visit each year is complimentary, subsequent visits require USD 1+ foreign currency spend within 15 days otherwise USD 32 per visit; USD 32 per guest. |
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| Quick cash | Cash-on-Call up to 80% of the credit limit |
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| Balance transfer | Balance transfer facility available (no profit charged on transferred balances under the Islamic structure) |
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| Instalment plan | 0% Easy Payment Plans over 3-12 months |
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Welcome bonus: AED 500 cashback on AED 15,000 spend within 60 days of card approval (credited in the 3rd statement cycle). Offer valid until 30 September 2026.
Terms: Spend AED 15,000 within 60 days of card approval | Offer valid until 2026-09-30
Switch Cashback Credit Card benefits
✓Switch your cashback focus between Lifestyle and Travel each month
✓Up to 8% cashback on fuel
✓2 complimentary golf rounds monthly (AED 5,000 spend)
✓2 buy-one-get-one movie tickets monthly at Vox/Reel (AED 5,000 spend)
✓Complimentary valet parking (AED 3,000-5,000 spend)
✓Marhaba Meet & Greet Bronze twice a year (AED 3,000 spend)
✓Multi-trip travel takaful, purchase protection and extended warranty
Offers and payment options
Quick cashCash-on-Call up to 80% of the credit limit
Balance transferBalance transfer facility available (no profit charged on transferred balances under the Islamic structure)
Instalment plan0% Easy Payment Plans over 3-12 months
Switch Cashback 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 | 2.54% |
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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 works well for everyday UAE spenders who want flexible high cashback on fuel, groceries, dining or travel.
What works well
- ✓High 8% fuel and 4% lifestyle/travel cashback
- ✓Flexibility to switch categories each month
- ✓Free for life with AED 30,000 annual spend
What to weigh up
- −Requires AED 2,500 minimum monthly spend to earn accelerated cashback
- −Tight category caps of AED 100-200 per month limit total earnings
Switch Cashback Credit Card eligibility
Salaried or self-employed UAE residents; the minimum salary is not stated on the official page
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Switch Cashback Credit Card FAQs
Salaried or self-employed UAE residents; the minimum salary is not stated on the official page
The listed annual fee is AED 313.95. Free for Year 1. AED 299 +VAT (AED 313.95 incl VAT) from Year 2, waived if annual retail spend exceeds AED 30,000.
Switchable each month between Lifestyle and Travel. Lifestyle: 8% fuel, 4% supermarket/dining/education, 0.5% telecom/utilities/real estate/government, 1% other. Travel: 4% airlines/hotels/dining, 0.5% telecom/utilities/real estate/government, 1% other.
It works well for everyday UAE spenders who want flexible high cashback on fuel, groceries, dining or travel.
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.
