CashbackIslamic
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 an annual fee of AED 313.95, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 313.95
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Material
Plastic
Card highlights
- Earn 2% cashback on eligible retail spend (online and in-store), up to AED 500 per billing cycle
- No annual fee in year 1; waived from year 2 with AED 30,000 annual spend
- Shari'ah-compliant commodity Murabaha structure with no riba, plus complimentary Takaful cover
- Fully digital application via the ruya app, no paperwork or branch visit required
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
- •Complimentary Takaful cover
- •Covered card: card cover held in a Special Deposit Account (Wakala basis) with monthly profit credited to you
- •Free supplementary cards with cashback credited to the primary cardholder
- •Fully digital application via the ruya app: no paperwork or branch visit required
- •Contactless payments supported via Apple Pay, Samsung Pay and Google Pay
- •Annual fee waived from year 2 with AED 30,000 annual spend
Every card is checked against official bank sources. Last updated September 2026.
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