Emirates Islamic Switch Cashback cashback rate, cap and annual fee
Emirates Islamic Switch Cashback pays 8% on fuel — on the first AED 1,200 you spend on it each month, which is where the AED 100 cap stops it. Nothing at all below AED 2,500 of spending a month — AED 30,000 across a year. The card costs AED 313.95 a year.
Emirates Islamic · United Arab Emirates · catalogue v101
Read from Emirates Islamic's own published terms on 17 Aug 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| fuel | 8.00% | AED 100reached at AED 1,200 of spendDomestic petrol stations, Lifestyle profile. AED 100 monthly cap. Reached at AED 1,250 of fuel. |
| groceries | 4.00% | AED 200reached at AED 5,000 of spendDomestic supermarkets, Lifestyle profile. AED 200 monthly cap. |
| dining | 4.00% | AED 200reached at AED 5,000 of spendRestaurants, on both profiles. AED 200 monthly cap. |
| education | 4.00% | AED 200reached at AED 5,000 of spendEducation, Lifestyle profile. AED 200 monthly cap. |
| everything else | 1.00% | —All other spend, uncapped. |
| phone and internet | 0.50% | —Telecom, uncapped. |
| government | 0.50% | —Utilities and government spend, uncapped. |
| rent and property | 0.50% | —Real estate spend, uncapped. |
Questions people ask
What cashback does the Emirates Islamic Switch Cashback pay?
8% on fuel, and 7 other rates. The top rate is capped at AED 100 a month.
Is there a cap on the Emirates Islamic Switch Cashback?
Yes. fuel is capped at AED 100 a month; groceries is capped at AED 200 a month; dining is capped at AED 200 a month; and so on.
What is the annual fee on the Emirates Islamic Switch Cashback?
AED 313.95 a year.
Is there a minimum spend on the Emirates Islamic Switch Cashback?
Yes — AED 2,500 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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