Perkly Card Index · September 2026 · Islamic

Best Islamic credit cards in the UAE: September 2026

Eight Shariah-compliant cards, from free cashback cards to Emirates Skywards cards, ordered by what Perkly users did in September.

By the Perkly research team · Published 16 October 2026 · Covers September 2026 · Card details checked 4 October 2026

Based on Perkly data for September 2026: more than 300 card searches, and the card pages, Apply clicks and applications that followed, on perkly.ae between 1 and 30 September 2026. Card fees, rates and offers on this page update live from Perkly’s card database.

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Shariah-compliant cards are not a niche in the UAE. Nearly every bank offers them, and in September most applications made through Perkly were for an Islamic card. These are the 8 Islamic cards Perkly users applied for, clicked and read about most.

Islamic cards replace interest with structures such as Murabaha or Tawarruq, and several banks call them covered cards. For the cardholder the day-to-day is the same: you spend, earn rewards and pay your statement. What differs is how any balance you carry is charged, so read each bank's terms if you plan to revolve.

Apply for the top picks

#3ADIB Emirates Skywards InfiniteAED 4,725 a year · salary from AED 25,000
#4Emirates Islamic Skywards Black with Skywards GoldAED 5,775 a year · salary from AED 35,000
#5Emirates Islamic Skywards InfiniteAED 1,048.95 a year · salary from AED 25,000

How this list is made. The order comes from Perkly’s own data and nothing else. No bank pays to appear here, and no placement on this page can be bought. If you apply through Perkly and a bank issues your card, Perkly may earn a referral fee, which never changes the order or the figures you see.

Mawarid Finance Platinum Credit Card

Not available through Perkly at the moment. It earned this place in the month this article covers, so it stays on the list, but you cannot apply for it here at present.

Mawarid Finance Titanium Credit Card

Not available through Perkly at the moment. It earned this place in the month this article covers, so it stays on the list, but you cannot apply for it here at present.

Top Islamic travel card

ADIB Emirates Skywards Infinite

Travel · Islamic

Abu Dhabi Islamic Bank Emirates Skywards Infinite

Annual fee

AED 4,725

Min. salary

AED 25,000

Rewards in

Skywards Miles

Top rate

9.21% travel (partner only)

The top travel earn rate applies only to purchases made direct with Emirates and flydubai (ADIB's card page also names Emirates Holidays). Other travel spend earns a lower standard rate.

ADIB's top Skywards card: 3 Skywards Miles per AED 3.68 on Emirates and flydubai bought direct from the airlines (ADIB's card page also names Emirates Holidays), 2 on foreign-currency spend (0.8 in the European Economic Area) and 1.5 on other local spend, with 0.25 at supermarkets, petrol stations, utilities and other everyday categories. Complimentary Skywards Silver with a fast track to Gold on USD 5,000 of Emirates spend, unlimited lounge access for you and a guest, and 4 airport transfers a year. AED 4,725 a year including VAT with the fast track to Gold, or AED 2,625 without it; minimum monthly income AED 25,000.

Best for: Frequent Emirates flyers who want unlimited lounge access on an Islamic card.

Earn up to 3 Skywards Miles per AED 3.68 on Emirates and flydubai, 2 on foreign spend
Complimentary Skywards Silver; fast-track to Gold with USD 5,000 Emirates spend
Unlimited lounge access for cardholder and 1 guest (1,000+ lounges) plus 4 complimentary airport transfers a year

Current welcome offer: Earn 50,000 bonus Emirates Skywards Miles

Apply clicks:: Joint #3 of all cards
Applications:: Joint #3 of all cards

Full card details →

Emirates Islamic Skywards Black with Skywards Gold

Travel · Islamic

Emirates Islamic Skywards Black w/ Skywards Gold

Annual fee

AED 5,775

Min. salary

AED 35,000

Rewards in

Skywards Miles

Top rate

10.77% travel (partner only)

The top travel earn rate applies only to Emirates and flydubai spend in AED booked directly with the airline; travel agent bookings earn the standard rate. Everyday spend earns a lower standard rate. Miles can only be used with Emirates Skywards.

3.5 Skywards Miles per AED 3.67 on Emirates and flydubai booked directly in AED (travel agent bookings earn the standard rate), 2 per USD on foreign-currency spend outside the EEA and UK and 1.5 per AED 3.67 locally, with 0.30 at supermarkets and on fuel, utilities and other everyday categories. Skywards Silver from issuance. This version adds the Skywards Gold fast track: AED 2,100 a year for the card, plus AED 3,675 once you qualify for Gold with USD 5,000 of Emirates tickets in the first 12 months, AED 5,775 in all.

Best for: Heavy Emirates flyers who want Skywards Gold through their card.

Earn 3.5 Miles per AED 3.67 on Emirates/flydubai, 2 per USD on foreign spend, 1.5 on local
Skywards Silver on card issuance; fast-track Gold available (paid upgrade, spend conditions apply)
1 complimentary lounge visit a year (1,200+ lounges) plus 4 airport transfers a year

Applications:: Joint #3 of all cards

Full card details →

Emirates Islamic Skywards Infinite

Travel · Islamic

Annual fee

AED 1,048.95

Min. salary

AED 25,000

Rewards in

Skywards Miles

Top rate

6.15% travel (partner only)

The top travel earn rate applies only to Emirates and flydubai spend in AED booked directly with the airline. Travel agent bookings, other travel and everyday spend earn a lower standard rate. Miles can only be used with Emirates Skywards.

2 Skywards Miles per AED 3.67 on Emirates and flydubai booked directly in AED, 1.5 per USD on foreign-currency spend outside the EEA and UK and 1 per AED 3.67 locally, with 0.5 at supermarkets and less on fuel, utilities and other everyday categories. Skywards Silver for 12 months, kept with USD 2,500 of Emirates spend a year. AED 1,048.95 a year including VAT, waived from year 2 on AED 150,000 of annual spend.

Best for: Emirates flyers who want Silver status for a moderate fee.

Earn 2 Skywards Miles per AED 3.67 on Emirates/flydubai, 1.5 per USD on foreign spend (outside EEA/UK), 1 on general local spend
Complimentary Skywards Silver: 30% bonus miles flying, 12kg extra baggage, priority check-in and boarding
1 complimentary airport lounge visit a year (1,200+ lounges via Visa Airport Companion), plus 2 Marhaba Meet & Greet visits a year at Dubai airport

Current welcome offer: Earn 10,000 Skywards Miles as a welcome bonus

Applications:: Joint #3 of all cards

Full card details →

ADIB Emirates Skywards Signature

Travel · Islamic

Abu Dhabi Islamic Bank Emirates Skywards Signature

Annual fee

AED 1,575

Min. salary

AED 10,000

Rewards in

Skywards Miles

Top rate

7.67% travel (partner only)

The top earn rate applies only to purchases made direct with Emirates and flydubai (ADIB's card page also names Emirates Holidays). Other travel spend earns a lower standard rate.

ADIB's entry Skywards card: 2.5 Skywards Miles per AED 3.68 on Emirates and flydubai bought direct from the airlines (ADIB's card page also names Emirates Holidays), 1.5 on foreign-currency spend (0.6 in the European Economic Area) and 1 on other local spend, with 0.25 at supermarkets, petrol stations, utilities and other everyday categories. Skywards Silver for the first year, renewable with USD 2,500 of Emirates spend, unlimited lounge access for the cardholder and 2 airport transfers a year. AED 1,575 a year including VAT; minimum monthly income AED 10,000.

Best for: Emirates flyers on a mid-range income who want an Islamic card.

Earn up to 2.5 Skywards Miles per AED 3.68 on Emirates and flydubai, 1.5 on foreign spend, 1 on local spend
Complimentary Skywards Silver for Year 1 (renewable with USD 2,500 Emirates spend); 2 airport transfers a year
Unlimited airport lounge access via Visa Airport Companion App; 2 Emirates home check-ins a year in Dubai

Current welcome offer: Earn 25,000 bonus Emirates Skywards Miles

Applications:: Joint #3 of all cards

Full card details →

DIB Prime Platinum Card

Rewards · Islamic

RewardsPerkly

Dubai Islamic Bank

Prime Platinum Card

Annual fee

Free

Min. salary

AED 5,000

Rewards in

Wala'a Rewards

Top rate

1.1% international spend

2 Wala'a Rewards per AED 1 on general retail spend, including dining, travel and online, and 2.2 on foreign-currency spend outside the European Union (spending in EU countries earns nothing), with a reduced 0.2 at supermarkets and on fuel, utilities, telecom, education, government payments, transport and real estate. Rewards are spent on flights, hotel stays, shopping and bill payments, and expire after 24 months. A covered card with no annual fee, a minimum salary of AED 5,000 and travel and medical cover when you book flights on the card.

Best for: People who want a free Islamic card that earns points on dining, shopping and travel.

Earn 2 Wala'a Rewards per AED 1 on retail spend, 2.2 on foreign currency spend
Complimentary travel and medical cover up to USD 100,000 for cardholder, spouse and up to 4 children
Roadside assistance up to 2 times a year and 365-day buyers' protection on new purchases

Applications:: Joint #3 of all cards

Full card details →

ruya Mastercard Cashback Credit Card

Cashback · Islamic

Annual fee

AED 313.95

Min. salary

AED 5,000

Rewards in

Cashback

Top rate

2% travel

2% cashback on eligible retail spend, in store, online and in foreign currency, capped at AED 500 a billing cycle, with no minimum spend; utility, telecom and government payments earn none. Free in year 1, then AED 313.95 a year including VAT unless you spend AED 30,000 in the year. Minimum salary AED 5,000; you need a ruya account, and you apply in the ruya app.

Best for: People who want one flat cashback rate on almost everything.

Earn 2% cashback on eligible retail purchases (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: no riba, commodity Murabaha structure, monthly Wakala profit credited to you

Current welcome offer: First year annual fee free

Applications:: Joint #3 of all cards

Full card details →

Side by side

Live figures from Perkly’s card database. Earn rates are the value you get back per AED spent, after converting miles or points to dirhams.

Card	Annual fee	Min. salary	Top rate	Welcome offer
#3ADIB Emirates Skywards Infinite	AED 4,725	AED 25,000	9.21%*	Yes
#4Emirates Islamic Skywards Black with Skywards Gold	AED 5,775	AED 35,000	10.77%*	None right now
#5Emirates Islamic Skywards Infinite	AED 1,048.95	AED 25,000	6.15%*	Yes
#6ADIB Emirates Skywards Signature	AED 1,575	AED 10,000	7.67%*	Yes
#7DIB Prime Platinum Card	Free	AED 5,000	1.1%	None right now
#8ruya Mastercard Cashback Credit Card	AED 313.95	AED 5,000	2%	Yes

* Applies only at the card’s partner merchants or airline; other spend earns less. A number missing from the list is a card that cannot be applied for through Perkly at the moment.

Islamic or conventional: does it change the rewards?

Not in any systematic way. The best Islamic cashback cards pay as much as conventional ones, and half of this list is Emirates Skywards cards from ADIB and Emirates Islamic. Choose on the rewards and fees first; the Islamic structure matters most if you expect to carry a balance. For more airline cards see the best Emirates Skywards credit cards of September 2026, and for cards that never charge a fee, the best no annual fee credit cards.

The Perkly wizard ranks Islamic and conventional cards together on your own spending, after fees and caps, and flags partner-only rates and minimum spends.

Just outside the list

Emirates Islamic's Barça Cashback Card had the most visited card page of any card on Perkly in September, but its visitors went no further than the page, so it sits just below the 8 cards listed above. It is free for life and pays 4% at UAE supermarkets and petrol stations and on dining and sports, each capped at AED 100 a month, up to 2% abroad and up to 1% on other domestic spend, but only in months you spend at least AED 1,000.

Mawarid's cards are paused on Perkly

Mawarid Finance's cards are not available through Perkly at the moment, and their panels say so. They stay on this list because it records what people chose in September.

How we built this list

This list is built from what people did on Perkly between 1 and 30 September 2026, not from what banks advertise and not from payments: no bank can pay to appear here or to move up. We count four things per card, and each visit counts once, at the furthest point it reached: an application submitted through Perkly, an application started, a click on Apply now, and a visit to the card's page. Each is weighted by how far it went: an application counts 10, a started application 5, a click on Apply now 3 and a page visit 1, and the list is ordered by the total. So a card many people explored closely can sit above one with a single application, and the signal shown beside each card is its strongest one, not the whole picture.

The data covers more than 300 card searches in September. Our own testing is excluded, and visitors who opted out of analytics are not counted. About one day of activity, 25 September, was lost in a technical incident and is not included. At this scale a single application can move a card several places, so read the order as "what people gravitated to", not as a precise league table. We publish ranks rather than raw counts for the same reason.

Card details in the text were checked on 4 October 2026 against Perkly's card data, which was reviewed bank by bank against each bank's own documents between 26 and 27 September 2026. The fees, earn rates and welcome offers shown in each card panel are live from Perkly's card database, so they stay current after this article was written. Always confirm the final terms with the bank before you apply.

Frequently asked questions

What is the best Islamic credit card in the UAE?

In September 2026 the most chosen Islamic cards on Perkly were Mawarid Finance's Platinum and Titanium, free cards paying 10% on groceries, dining and fuel up to monthly caps. For Emirates flyers, ADIB's Emirates Skywards Infinite was the most chosen. Mawarid's cards are not available through Perkly at the moment.

What is a covered card?

It is the name several UAE Islamic banks and finance companies use for a Shariah-compliant credit card. You use it exactly like a credit card; the difference is the Islamic finance structure behind any balance you carry.

Is there a free Islamic credit card in the UAE?

Yes. Dubai Islamic Bank's Prime Platinum charges no annual fee and earns Wala'a Rewards, and Emirates Islamic's Barça Cashback Card is free for life. Mawarid Finance's Platinum and Titanium are free for life too. Mawarid's cards are not available through Perkly at the moment.

How often is this list updated?

Every month. Each edition of the Perkly Card Index covers one calendar month of activity on Perkly and is published early the following month. Card details on every page update automatically from Perkly's card database.

Is one of these your best card?

Popular is not the same as right for you. Tell Perkly your salary and how you spend and it ranks every card in the UAE for you, or talk your options through with Perkly Chat.

Find your best card in 2 minutes →Ask Perkly Chat