Islamic cards · UAE

Best Islamic credit cards in the UAE

Every card from the UAE's fully Sharia-compliant banks, plus the Islamic ranges run by conventional banks. Compare profit rates, rewards and eligibility side by side.

51cards
01
Talabat ADCB Islamic CardFree for life · from AED 5,000
02
TouchPoints Gold Card (Islamic)Free for life · from AED 5,000
03
BRight Titanium Credit CardFree for life · from AED 5,000

Islamic buying guide

How a Sharia-compliant card is structured

An Islamic card does not lend you money at interest. The structures used in the UAE are ujrah, a fixed service fee for the facility, and murabaha or tawarruq arrangements in which the bank buys and sells an asset to earn a profit instead of charging interest. Dubai Islamic Bank markets its versions as covered cards.

The differences you will feel day to day are narrow. The monthly charge is quoted as a profit rate and behaves much like an interest rate on your statement; late payments are treated as a charitable donation rather than bank income; and every product is approved by the bank's own Sharia board. Cashback, points and miles work exactly as they do on a conventional card.

Of the 51 Islamic cards on this page, 17 carry no annual fee and the most expensive costs AED 3,150 a year. Minimum salaries run from AED 5,000 to AED 35,000 a month, across 8 banks.

Profit rate, not interest

The monthly profit rate is the number to hold against a conventional card's interest rate. The principle differs, but it lands on the same statement and costs the same real money when you carry a balance.

Late payment goes to charity

On most Islamic cards the late payment charge is paid to charity under the bank's Sharia governance rather than kept as profit. It is still a charge, and the missed payment still reaches Al Etihad Credit Bureau.

The other fees are unchanged

Annual fees, cash withdrawal charges and foreign currency markups apply on Islamic cards as they do elsewhere, and 5% VAT applies to them in the same way.

Islamic cards by minimum salary

Islamic credit card questions

They do not charge interest in the conventional sense. You pay a fixed service fee, or a profit rate agreed at the outset on the underlying transaction. If you clear the balance in full each month, most Islamic cards cost nothing beyond the annual fee - the same as a conventional card.

In this list: DIB, Emirates Islamic, ADCB, Ajman Bank, ADIB, Mawarid Finance, Mashreq and RAKBANK. Some of those are Sharia-compliant institutions from top to bottom, so every card they issue belongs here; the rest run an Islamic window with its own Sharia board alongside a conventional range.

Yes. UAE Islamic banks accept applications from anyone who meets the eligibility criteria. The structure describes how the product is built, not who is allowed to hold it.

The bank applies a late payment charge which, under Sharia governance, is normally donated to charity rather than kept. The missed payment is still reported to Al Etihad Credit Bureau and still affects your next application.

Not as a rule. The 51 Sharia-compliant cards listed here start at AED 5,000 a month, which is in line with the conventional market, and 17 of them are free for life.

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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.