Shariah Compliant Credit Cards

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




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  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
Salary range
5,000 AED50,000+ AED
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Most Popular Credit Card in UAE

Shariah-compliant credit cards in the UAE are for those who want financial products that adhere to Islamic law. 

With these cards, you can enjoy pretty similar benefits to conventional credit cards like cashback and rewards. However, these cards operate on a fee-based system instead of charging interest on balances, which ensures alignment with Islamic principles. 

Let’s look into the top Shariah-compliant credit cards in the UAE along with their features, eligibility criteria, application process, and more.


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Top Shariah-Compliant Credit Cards in the UAE

Mentioned below is a list of the top Shariah-compliant credit cards in the UAE —

United Arab Bank Islamic Credit Card

Features and Benefits of United Arab Bank Islamic credit card

  • This card is free for life
  • Grace period of up to 55 days before the first payment
  • No interest charged
  • Get a free supplementary credit card
  • No ‘Gharar’ and ‘Riba’ applicable
  • Cash advance facility available

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FAB Cashback Islamic Credit Card

Features and Benefits of FAB Cashback Islamic Credit Card

  • Enjoy unlimited cashback with no limits on minimum spend requirements 
  • Cashback on fuel, utilities, supermarket, retail spending, online shopping, and more spends
  • Lifestyle benefits like ‘Buy 1 Get 1’ offer on Mastercard purchases, discount on US shipping with MyUS, and exceptional offers at 9 villages in Europe

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CBD Al Islami Visa Super Saver Credit Card

Features and Benefits of CBD Al Islami Visa Super Saver Credit Card

  • 1st year free 
  • Free-for-life supplementary card for family members aged above 15 years
  • Earn up to 10% cashback on transport, supermarket, education, and multiple bills — up to AED 150 per category every month
    (subject to minimum monthly spend of AED 3,000 across all categories)
  • Enjoy lifestyle benefits such as a 50% discount on VOX and Reel Cinemas across the UAE and free Valtrans valet parking 2 times each month at 15+ locations
  • Offers and discounts at Emaar Attractions
  • Enjoy 8 complimentary lounge access per year across 1,000+ airports

Apply Now


RAKislamic Platinum Credit Card

Features and Benefits of RAKislamic Platinum Credit Card

  • Free for life 
  • 10% cashback on
  • Complimentary travel accident Takaful cover
  • Enjoy exceptional offers on dining and restaurants

Apply Now


DIB SHAMS Infinite Credit Card

Features and Benefits of DIB SHAMS Infinite Credit Card

  • 1st year free — fee for 2nd year onwards waived on annual spends of AED 60,000 or more
  • Enjoy complimentary airport transfers and travel cover
  • Lounge access at 1,000+ airports 12 times a year along with a guest
  • 5% cashback on dining and travel, including flight and hotel bookings
  • Complimentary rounds of golf across 7 golf courses across the UAE
  • Complimentary access to Fitness First, 4 valet parking services every month at 20 prime locations in the UAE
  • Other benefits include complimentary roadside assistance, travel coverage, and a balance transfer facility

Apply Now


Eligibility Criteria for a Shariah-Compliant Credit Card

Just like regular cards, Shariah-compliant credit cards have their own eligibility criteria as well. While different banks have different conditions, you can check out the general eligibility requirements below — 

Eligibility Criteria Requirements
Salary At least AED 5,000 per month
Employment Status Salaried employee or a self-employed individual
Age At least 21 years 

Note: Before applying, check the specific criteria of your bank.


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Which Documents are Required for Shariah-Compliant Credit Cards?

Here’s a checklist of the documents required to apply for a Shariah-compliant credit card —

  • Emirates ID
  • Passport
  • Visa (applicable to expatriates)
  • Salary certificate
  • Valid Trade Licence
  • Latest 3-6 months’ bank statements

Note: All the documents must be valid.

Keep in mind that this is a list of general documents. If required, your bank may ask you to submit additional document(s).


How to Apply for Shariah-Compliant Credit Cards Via Policybazaar UAE?

With, you can enjoy a seamless Shariah-compliant credit card application process. Simply follow these simple steps —

  1. Head out to our official website.
  2. Under ‘Financial Products’, click on ‘Credit Cards in UAE’.
  3. To get to the credit card quotes page, fill out the lead form.
  4. Apply filters to view Shariah-compliant credit cards.
  5. Choose your preferred card and apply for it.

Note: We will reach out to you once we review your submitted application.


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Let’s now look into some of the most frequently asked questions by Shariah-compliant credit card seekers!

Frequently Asked Questions

Q1: Do I get any complimentary airport lounge access benefits with the CBD Al Islami Visa Super Saver card?

Ans: Yes, you get 8 complimentary airport lounge access up to 8 times a year.

Q2: What is the minimum salary required to obtain a United Arab Bank Islamic credit card in the UAE?

Ans: You must have a monthly salary of AED 5,000 or more to apply for the UAB Islamic credit card.

Q3: What are the eligibility criteria for self-employed individuals to obtain a RAKislamic Platinum credit card?

Ans: Two primary criteria for self-employed individuals are as follows — 

  • You must be at least 21 years old
  • Quarterly turnover of at least AED 150,000 or an average balance of at least AED 75,000

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