Emirates Islamic Bank Cash Back Card is a Shari’ah-compliant Visa credit card that offers up to 10% cash back on transactions. Exclusive 10% cash back can be availed on all internet, telecom and TV subscription spends plus 5% for electronics purchases. Cardholders also get the benefits of Mazaya, where they can get discounts and special offers from restaurants, retailers and entertainment options. Visa Platinum benefits and a 0% payment plan are its other benefits. Application documents are minimal and quick processing time make the car easily available to customers.
Features of Emirates Islamic Bank Cash Back Card
- Annual membership fee of AED 350.
- Monthly profit rate of 2.99%.
- 5% minimum due amount to be paid on all outstanding fees and charges.
- Free card replacement.
- 2.99% of transaction amount charged as forex charges.
- Cashback automatically credited on all transactions within the next 15 days.
- Cashback expires in 12 months since being credited to your account.
- Flexible payment option including online payment, cheque payment, exchange houses, cash payment, and cash deposit machines etc.
Benefits of Emirates Islamic Bank Cash Back Card
- Up to 10% cashback on telecom bills in Etisalat and du. 10% Cashback is applicable on bill amounts up to AED 1,000, above which 1% Cashback will be applicable.
- Cashback up to 5% on all purchases made in electronic stores. 5% Cashback applicable on bill amounts less than AED 2,000 per month, above which 1% Cashback will be provided.
- 1% Cashback on all transaction except for the ones listed above under telecom and electronic stores categories.
- Cashbacks of 5% and 10% are only applicable on classified merchants like Etisalat, du and electronic stores, and will not be captured if the transaction is under a different merchant category code.
- 0.1% Cashback on all government spends such as eGovernment payments, utilities like water and electricity, and government customs, fines, charges and fees.
- Special offers and discounts on dining, retail and entertainment spends from Mazaya offers.
All in all, the Emirates Islamic bank Cashback credit cards provide great offers in terms of cashback on all your card spends. The card also includes discounts and exclusive offers in segments such as entertainment, lifestyle, travel, fine dining and lots more.