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Emirates Islamic Cashback Plus cashback rate, cap and annual fee

Emirates Islamic Cashback Plus pays 3% on groceries — on the first AED 6,700 you spend on it each month, which is where the AED 200 cap stops it. Nothing at all below AED 3,000 of spending a month — AED 36,000 across a year. The card costs AED 299 a year.

Emirates Islamic · United Arab Emirates · catalogue v101

Read from Emirates Islamic's own published terms on 17 Aug 2026.

AED 299Annual fee
AED 3,000Minimum monthly spend
3%Best rate

What it pays, by category

SpendingRateMonthly cap
groceries3.00%AED 200reached at AED 6,700 of spendSupermarkets, at the AED 3,000-9,999 monthly spend rung. AED 200 cap on this category alone. Nothing is earned in a month you spend under AED 3,000.
dining3.00%AED 200reached at AED 6,700 of spendRestaurants, same rung and its own AED 200 cap.
education3.00%AED 200reached at AED 6,700 of spendSchool fees, same rung and its own AED 200 cap.
phone and internet3.00%AED 200reached at AED 6,700 of spendTelecom bills, same rung and its own AED 200 cap.
The headline 10% is the top of a ladder, not a rate: spend under AED 3,000 in a month and this card pays nothing at all. AED 3,000-9,999 earns 3%, AED 10,000-17,499 earns 5%, and only AED 17,500 or more earns 10%. Each of the four categories has its own AED 200 monthly ceiling, so the card can pay up to AED 800 a month in total. The 3% rung is pre-filled because it is the band most cardholders land in. Raise it if your monthly spend is reliably higher. Source: emiratesislamic.ae, checked 17 Aug 2026.

Questions people ask

What cashback does the Emirates Islamic Cashback Plus pay?

3% on groceries, 3% on dining, 3% on education and 3% on phone and internet. The top rate is capped at AED 200 a month.

Is there a cap on the Emirates Islamic Cashback Plus?

Yes — AED 200 a month on each rate separately, not AED 200 across the card.

What is the annual fee on the Emirates Islamic Cashback Plus?

AED 299 a year.

Is there a minimum spend on the Emirates Islamic Cashback Plus?

Yes — AED 3,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.

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