Emirates Islamic
Switch Cashback (Lifestyle)
The Switch Cashback (Lifestyle) is a cashback credit card from Emirates Islamic. It has an annual fee of AED 313.95, and needs a minimum salary of AED 10,000 a month.
Annual fee
AED 313.95
Joining fee
Free
Min. salary
AED 10,000/mo
Rewards in
Cashback
Min. monthly spend
AED 2,500
Material
Plastic
Card highlights
- 4% cashback on supermarkets, dining and education (capped AED 200/category/month); 8% on fuel (capped AED 100/month)
- 1% cashback on most other spend; 0.5% on telecom, utilities and government; minimum AED 2,500 spend/month to earn
- 2 complimentary golf rounds/month at 5 UAE courses; 1 airport lounge visit/year via Visa Airport Companion
- 2x BOGO cinema tickets/month at Vox or Reel; monthly valet parking; 2 Marhaba Meet and Greet services/year
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel | 8% | AED 100 |
| Supermarket | 4% | AED 200 |
| Dining & food | 4% | AED 200 |
| Education | 4% | AED 200 |
| Travel | 1% | No cap |
| Retail | 1% | No cap |
| Online shopping | 1% | No cap |
| International spend | 1% | No cap |
| Utilities | 0.5% | No cap |
| Transport | 0.5% | No cap |
| Real estate | 0.5% | No cap |
Current welcome offer
Earn AED 500 cashback and a first-year fee waiver
- AED 500 cashback when you spend AED 15,000 on retail purchases within 60 days of card approval
- Cashback credited in the 3rd statement cycle; not paid if the spend threshold is not met
- First-year annual membership fee waived, no spend condition required
- Offer valid until 31 December 2026
- Separately, new Emirates Islamic credit card customers may qualify for an AED 750 noon.com gift voucher, but only via Emirates Islamic's own noon offer page (not through Perkly), subject to additional spend and eligibility conditions
Expected offer expiry: December 2026
Benefits & perks
- •Airport lounge access at 1,200+ lounges via Visa Airport Companion: 1 complimentary visit/year (additional visits require min USD 1 foreign-currency spend; USD 32/visit otherwise)
- •2 complimentary golf rounds/month at Arabian Ranches, Jebel Ali, Abu Dhabi Golf Club and more (with AED 5,000 monthly spend)
- •2x Buy 1 Get 1 movie tickets/month at Vox or Reel Cinemas (with AED 5,000 monthly spend)
- •20% off movie tickets and food & beverages at Roxy Cinemas (valid until 30 April 2027)
- •2 complimentary Marhaba Bronze Meet & Greet services/year at Dubai airport (with AED 3,000 monthly spend)
- •1 complimentary valet parking/month at select UAE locations (with AED 5,000 monthly spend)
- •Visa Luxury Hotel Collection: best rate guarantee, room upgrade, free breakfast, late checkout and USD 25 food or beverage voucher at 900+ properties
- •Multi-trip travel insurance (takaful): travel accident and inconvenience cover for trips up to 90 days
- •Purchase protection
- •0% Easy Payment Plans (3, 6, 9 or 12 months) at partner outlets including Carrefour and Sharaf DG
- •Cash on Call: access up to 80% of your available credit limit
- •Visa Travel Offers: Dubai staycation and international hotel discounts
Every card is checked against official bank sources. Last updated October 2026.
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- See all cashback credit cards in the UAE →
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- See which cards your salary qualifies for →
Questions people ask
What does the Emirates Islamic Switch Cashback (Lifestyle) earn?
An Islamic cashback card, free in year 1, where you choose a mode each month: Travel mode pays 4% on airlines, hotels and dining and Lifestyle mode 4% on UAE supermarkets, dining and education and 8% on UAE fuel, each capped at AED 200 a month (fuel AED 100), with 1% on most other spending and nothing in a month with under AED 2,500 of spending.
What does the Emirates Islamic Switch Cashback (Lifestyle) cost?
No annual fee in the first year, with no spending condition. From the second year the annual fee is AED 313.95 including VAT (AED 299 + VAT), waived when retail spending in the last 12 months is above AED 30,000; balance transfers, cash on call, cash withdrawals, fees and charges, and quasi-cash transactions do not count.
What does spending abroad cost on the Emirates Islamic Switch Cashback (Lifestyle)?
Spending abroad costs about 3.69% all in: Emirates Islamic's 2.54% (VAT included) on foreign currency transactions plus about 1.15% for Visa, which Emirates Islamic says is charged in addition. A transaction abroad billed in AED carries 1.99% instead of 2.54%. In Travel mode, airlines, hotels and dining abroad earn 4%; other spending abroad earns 1%.
What should I watch out for with the Emirates Islamic Switch Cashback (Lifestyle)?
Nothing at all is earned in a calendar month with less than AED 2,500 of spending. Only one mode applies to a whole month, so you cannot earn 4% on hotels and 8% on fuel in the same month. Each boosted category stops at AED 200 of cashback a month (fuel at AED 100).
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Emirates Islamic Cashback Plus Card
Benefits unlock at AED 3,000 minimum monthly spend
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Updated November 2026