Islamic covered cards are structured to follow Sharia principles. Compare their annual fee, profit rate, salary rule, rewards, and payment terms just as carefully as other cards.
What this means for you
The banking structure is different, but the card can still have fees, monthly payments, cash withdrawal charges, and consequences for late payment.
A simple way to decide
- 1 Confirm Sharia structure
- 2 Compare fees and profit
- 3 Check useful rewards
Before you apply
- Read the bank's KFS and Sharia certificate where provided.
- Check the required monthly payment and profit terms.
- Compare benefits you will actually use.
- Use the official product page and key facts statement before applying. If a value is missing, ask the bank instead of assuming it.
Words you may see
- Covered card
- A card arranged under an Islamic banking structure.
- Profit rate
- The bank's published charge under the card's Sharia-compliant financing structure.
- KFS
- The Key Facts Statement: a bank document listing important fees, rates, and risks.
Cards worth checking for this need
These are useful starting points from the cards in the comparison table. They are not paid placements or promises of approval.
Abu Dhabi Commercial BankTraveller Credit CardThe bank publishes cashback categories or rates
- Salary
- AED 20,000
- Annual fee
- AED 1,575
- Cashback
- Cashback on travel, hotel stays, movies, and domestic spends - Up to AED 1,500 cashback monthly - Travel the world and earn up to AED 1,500 cashback every month
- Published reward
- Conditional cashback - 50% - Conditional or promotional cashback shown as 50%
Emirates IslamicAmazon Platinum Covered CardThe published annual fee is zero or has a stated waiver
- Salary
- AED 5,000
- Annual fee
- AED 0
- Cashback
- Cashback
- Published reward
- Lounge
First Abu Dhabi BankFAB Cashback Islamic Credit CardThe published salary requirement is lower than many alternatives here
- Salary
- AED 5,000
- Annual fee
- AED 300
- Cashback
- Up to Up to 5%
- Published reward
- Cashback
Emirates IslamicRTA Covered CardThe bank publishes several rewards or benefits
- Salary
- AED 5,000
- Annual fee
- AED 0
- Cashback
- 10% cashback on fuel spends
- Published reward
- 10% cashback on RTA transport payments
Official sources used
These bank pages, Key Facts Statements, fee schedules and terms support the product details in this guide. Open the latest version before applying.
- FAB Cashback Islamic Credit Card Schedule of ChargesFirst Abu Dhabi Bank · Fees-and-charges
- Emirates Islamic credit cards KFSEmirates Islamic · Key-facts-statement
- Emirates Islamic credit cards KFS pageEmirates Islamic · Key-facts-page
- ADCB Credit Cards KFSAbu Dhabi Commercial Bank · Key-facts-statement
- ADCB Terms and ConditionsAbu Dhabi Commercial Bank · Terms-and-conditions
- ADIB Covered Cards KFSAbu Dhabi Islamic Bank · Key-facts-statement
- ADIB Covered Cards Schedule of ChargesAbu Dhabi Islamic Bank · Schedule-of-charges
- FAB Islamic Etihad Guest Credit Cards Schedule of ChargesFirst Abu Dhabi Bank · Fees-and-charges
- SIB Cashback Covered Cards Key Facts PDFSharjah Islamic Bank · Key-facts-statement
- SIB Cashback Covered Cards Key Facts HTMLSharjah Islamic Bank · Key-facts-statement
