Ruya Community Islamic Bank
ruya Mastercard Cashback Credit Card
The ruya Mastercard Cashback Credit Card is a cashback credit card from Ruya Community Islamic Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Material
Plastic
Card highlights
- Earn 2% cashback on all purchases, in-store and online (excluding utilities and government spend)
- Annual fee of AED 299 waived each year you spend AED 30,000 or more
- Fully Shari'ah-compliant: no riba, Wakala investment structure with monthly profit on card cover
Earn rates
| Category | Rate |
|---|---|
| Travel | 2% |
| Retail | 2% |
| Supermarket | 2% |
| Dining & food | 2% |
| Fuel | 2% |
| Education | 2% |
| Transport | 2% |
| Online shopping | 2% |
| International spend | 2% |
| Real estate | 2% |
Rewards on this card are capped at AED 500 a month across all categories (about AED 6,000 a year).
Benefits & perks
- •Annual fee waived from year 2 with AED 30,000 annual spend
- •Fully digital onboarding via the ruya app: no branch or paperwork required
- •Contactless payments via Apple Pay, Google Pay and Samsung Pay
- •Finance Takaful (credit life) cover available
- •Monthly profit credited back on card cover held in a Wakala investment structure
Every card is checked against official bank sources. Last updated July 2026.
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