Emirates Islamic
Switch Cashback (Travel)
The Switch Cashback (Travel) is a travel 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
- Earn 4% cashback on airlines, hotels and dining (UAE and abroad), capped at AED 200 per category per month
- 1% cashback on general spend; requires AED 2,500 minimum monthly spend to earn any cashback
- 1 complimentary airport lounge visit per year (1,200+ lounges); additional free visits require a USD 1+ foreign spend
- 2 free golf rounds per month at 5 UAE courses, plus 1 free valet and 2 BOGO cinema tickets per month (AED 5,000 spend required)
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 4% | AED 200 |
| Dining & food | 4% | AED 200 |
| Retail | 1% | No cap |
| Supermarket | 1% | No cap |
| Fuel | 1% | No cap |
| Education | 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 plus a free year with no annual fee
- AED 500 cashback when you spend AED 15,000 on retail purchases within 60 days of card approval, credited in the 3rd statement cycle
- No annual membership fee in year 1, no spend condition required
- Offer valid until 31 December 2026
- Separately, new customers may receive an AED 750 noon.com gift voucher: spend AED 7,500 on retail within 60 days of issuance, apply by 31 December 2026 and have card issued by 31 January 2027 - only via Emirates Islamic's own noon offer page, not through Perkly
- noon voucher: not available to existing or recent cardholders, cannot be combined with other promotions, and may replace the cashback offer above
Expected offer expiry: December 2026
Benefits & perks
- •Airport lounge access at 1,200+ lounges worldwide via Visa Airport Companion: 1 free visit/year (additional visits free with qualifying foreign-currency spend, otherwise USD 32)
- •2 complimentary golf rounds/month at Arabian Ranches, Jebel Ali, Abu Dhabi Golf Club and more (with AED 5,000 monthly spend)
- •Marhaba Bronze Meet & Greet at Dubai airport: 2 complimentary services/year (with AED 3,000 monthly spend)
- •2x Buy 1 Get 1 free movie tickets/month at Vox or Reel Cinemas (with AED 5,000 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 F&B voucher at 900+ properties
- •Multi-trip travel takaful: travel accident and inconvenience cover for trips up to 90 days
- •20% off movie tickets and food & beverages at Roxy Cinemas (until 30 April 2027)
- •Purchase protection
- •0% Easy Payment Plans over 3, 6, 9 or 12 months at partner outlets (Carrefour, Sharaf DG and more)
- •Cash on Call: access up to 80% of available credit limit
- •Visa Travel Offers: Dubai staycations and international hotel discounts
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Emirates Islamic Switch Cashback (Travel) 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 (Travel) 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 (Travel)?
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 (Travel)?
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).
More from Emirates Islamic
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Emirates Islamic Cashback Credit Card
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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