National Bank of Fujairah (NBF Islamic)
NBF Islamic Platinum Credit Card
The NBF Islamic Platinum Credit Card is a cashback credit card from National Bank of Fujairah (NBF Islamic). It has no annual fee, and needs a minimum salary of AED 9,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 9,000/mo
Rewards in
Cashback
Material
Plastic
Card highlights
- 10% cashback on dining (capped at AED 150 per billing cycle, min AED 25 per transaction)
- NBF Rewards points redeemable for gift cards, Etihad Guest Miles or instant cashback
- Shariah-compliant Murabaha structure with 2 free supplementary cards included
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Dining & food | 10% | AED 150 |
Rewards on this card are capped at AED 150 a month across all categories (about AED 1,800 a year).
Current welcome offer
Enter the NBF Spend & Win prize draw, valid until 30 November 2026
- Earn 1 entry per AED 1,000 of local spend, or 2 entries per AED 1,000 of international spend
- Spend on supplementary cards counts towards entries
- Grand Draw on 17 December 2026 (covering 1 to 30 November 2026): 5 prizes of AED 20,000, 10 of AED 2,000, 10 of AED 1,000, and 10 of AED 500 cashback
- Government transactions, cash withdrawals, cash advances, fees and charges do not earn entries
Expected offer expiry: November 2026
Benefits & perks
- •10% cashback on dining (restaurants, cafes, fast food and more): capped at AED 150 per billing cycle
- •NBF Rewards points redeemable for gift cards, Etihad Guest Miles or instant cashback
- •0% instalment plans from 3 months
- •EZ Draft facility: up to 70% of credit limit
- •Balance transfer over up to 24 months
- •2 free supplementary cards included
- •Free mobile and online banking
- •SMS transaction alerts
- •Visa payWave contactless payments
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the National Bank of Fujairah (NBF Islamic) NBF Islamic Platinum Credit Card earn?
A free-for-life NBF Islamic card paying 10% cashback on dining, up to AED 150 a billing cycle on transactions of AED 25 or more, plus NBF Rewards points at a rate Perkly has not recorded.
What does the National Bank of Fujairah (NBF Islamic) NBF Islamic Platinum Credit Card cost?
No annual fee and no joining fee: NBF Islamic's Key Facts Statement and schedule call it lifetime free, and the schedule adds that the bank may levy fees or replace the card, with notice, if Priority segment eligibility is not maintained. At least 2 supplementary cards are free: NBF Islamic's schedule charges AED 100 plus VAT for each card from the 3rd, while its Key Facts Statement charges from the 4th.
What does spending abroad cost on the National Bank of Fujairah (NBF Islamic) NBF Islamic Platinum Credit Card?
Spending abroad costs about 3.78% all in: NBF Islamic's 2.5% foreign currency processing fee plus 5% VAT (2.625%), plus 1.15% for Visa, which is Perkly's standard estimate because NBF Islamic's schedule says its fee is charged in addition to Visa's standard processing fee without giving a figure.
What should I watch out for with the National Bank of Fujairah (NBF Islamic) NBF Islamic Platinum Credit Card?
The 10% dining cashback stops at AED 150 a billing cycle (AED 1,500 of dining) and needs transactions of at least AED 25 paid directly to the restaurant, not through a third-party payment app or platform. Perkly cannot say what everyday spending earns: the card earns NBF Rewards points, but no rate for this card is settled. The card has no airport lounge access on record.