Numerous financial institutions in the UAE offer banking solutions to nationals and expatriates to simplify their banking experience and financial transactions, with one such popular instrument for the same being credit card facilities.
Credit cards are among the most efficient financial assets that can help you manage your finances systematically. In case of a monetary emergency or a large expense, credit cards can play a crucial role with their principle of ‘buy now pay later’.
A wide range of credit card categories is offered by banks such as cashback, travel, air miles, and much more. In this article, we will specifically focus on the Platinum Islamic credit card in UAE. You can go through the list of the major Islamic credit cards in UAE to know more about their fundamental features and benefits.
List of Top 10 Best Platinum Islamic Credit Cards in the UAE
Refer to the list of banks and financial institutions below to find out more about the major Platinum Islamic credit cards in UAE -
RAKislamic Platinum Credit Card
National Bank of Fujairah Islamic Platinum Credit Card
Standard Chartered Bank Saadiq Platinum Credit Card
Sharjah Islamic Bank Platinum Visa Credit Card
RAKislamic Platinum Credit Card
Features & Benefits of this Platinum Islamic Credit Card -
Zero annual fees are charged for this Islamic credit card in UAE
You can avail of free supplementary cards for family members.
Avail of cash advance of up to 80% of the assigned credit limit
Get up to 55 days to make a credit card payment
Avail of free Purchase Protection and Travel Accident Takaful (insurance)
Earn RAKrewards on making international and domestic transactions with the Islamic Platinum credit card in UAE(to be redeemed within a validity period of 36 months)
Make the most of exclusive discounts on dining and shopping
Enjoy additional Mastercard offers with IHG Hotels and Resorts
Get 10% discount on car and truck rentals, and 20% discount on bookings with Avis Car Rental
Avail of multiple ‘Buy 1 Get 1’ offers across Africa and the Middle East on dining, entertainment, cafes, and tourist attractions
Get free access to VIP lounges at airports in Dubai, Cairo, Abu Dhabi, Jordan, Saudi Arabia, and Kuwait
Get 20% discount on your first 3 Uber rides each month
Avail of travel discounts of up to 30% with Cleartrip on hotel and airline bookings
Enjoy up to 60% off with European Shopping Villages Luxurious shopping
Avail of complimentary membership and shipping discounts with MyUS Premium
Get up to 10% discount on property booking prices at over 200 locations globally
National Bank of Fujairah Islamic Platinum Credit Card
Features & Benefits of this Platinum Islamic Credit Card -
A 2.5% foreign currency transaction fee is applicable for this Platinum Islamic credit card in UAE
The cash advance fee is 4% of the advanced amount or AED 50 (whichever is higher)
Get a 1% cashback reward on spending between AED 1 and AED 9,999.
Earn up to 1.5% cashback on spending ranging between AED 10,000 and AED 19,999.
Earn up to 2% cashback on spending above AED 20,000
Avail of complimentary supplementary cards for family members.
Withdraw instant cash from over 840,000 ATMs across the world
Customers can withdraw cash up to 40% of their credit limit.
Avail of free SMS alerts and NBF mobile banking with this Islamic credit card in UAE
This Platinum Islamic credit card in UAE is secured with the Chip & PIN and Visa payWave features to ensure high security. Additionally, you can enjoy the convenience of the ‘Tap to pay’ feature to make instant payments of up to AED 300.
Make flexible payments using the Islamic credit card in UAE through ‘Auto Debit’, ‘NBF Direct online banking’, and ‘NBF cash deposit machines’
Enjoy the balance transfer facility with this Platinum Islamic credit card
Customers can avail of the EZ draft facility to have access to additional funds - the bank can transfer up to 70% of the credit limit to your account here
Mashreq Al Islami Platinum Elite Credit Card
Features & Benefits of this Platinum Islamic Credit Card -
Enjoy worldwide complimentary access to more than 1,000 airport lounges. With a minimum spending of AED 7,000 on the previous billing cycle, you can get up to 2 free lounge access in the present billing cycle month.
Get free access to Fitness First up to 8 visits each month with this Platinum Islamic credit card in UAE
Enjoy free airport transfers in Abu Dhabi and Dubai
Spend at least AED 7,000 and get up to 50% discount on Reel, VOX, and Novo cinemas every billing month
Earn 3 Salaam points per AED spent on supermarket and dining purchases in AED currency
Earn 1 Salaam Point per AED spent on other local purchases
Earn 5 Salaam Points per AED spent on international purchases in a non-AED currency
Features & Benefits of this Platinum Islamic Credit Card -
A minimum salary of AED 8,000 is required to obtain this credit card
The annual fee of this credit card is AED 500
Receive Etihad Guest Miles as a welcome bonus - 10,000 joining miles for the primary card and 5,000 joining miles for the supplementary card
Earn double Etihad Guest Miles for the first 90 days when you pay groceries, school fees, or utility bills
Get a 25% Etihad Guest Miles discount voucher every year upon spending AED 100,000 or more using the card
Receive 2.5 Guest Miles per AED 10 on domestic transactions
Receive 5 Miles per AED 10 with Etihad or Etihad Airways partners
Avail of Global Purchase Protection and Extended Warranty facility
Get credit shield Takaful as well as international travel and medical assistance
Enjoy numerous lifestyle perks with multiple Visa offers
Avail of the money transfer facility to transfer funds to India, Sri Lanka, Bangladesh, Egypt, Philippines, and Pakistan. The bank does not charge any processing or transfer fee.
Features & Benefits of this Platinum Islamic Credit Card -
No annual fee applies for this credit card
Earn CBD reward points on each dirham spent using your credit card
Chip & PIN feature is available in the card for enhanced security
Get supplementary cards for family members for free
Customers can avail of the balance transfer facility with the Al Islami Visa Platinum card
Cash-on-call feature is available for a period of 3, 6, and 12 months for CBD credit cardholders with zero processing fee. Customers can call the bank for cash requests and instantly receive cash in their accounts.
Option to make large purchases and pay back the amount via an easy installment plan. Customers can avail of installments for a period of 3, 6, and 12 months at affordable profit rates and without any processing fee.
Get exclusive discounts with VOX cinemas in the UAE
Avail of offers on hospitality, travel, dining, lifestyle, wellness, and others from Visa by using the credit card
Enjoy 2-for-1 offers upon downloading the ‘xperience’ with the ENTERTAINER application powered by Visa
Customers can get free travel insurance to enjoy their trips without any stress regarding coverage
Standard Chartered Bank Saadiq Platinum Credit Card
Features & Benefits of this Platinum Islamic Credit Card -
A minimum monthly salary of AED 5,000 is required to apply for this credit card
Although no annual fee is applicable for the primary card for the first year, a fee of AED 315 would be charged from the second year onwards
Similar to the primary card, no annual fee would apply for a supplementary card for the first year. However, AED 157.50 would be charged from the second year onwards.
There is no cash advance, over the limit, or late payment fee
The card is secured with the 3D Secure feature to ensure a safe online shopping experience
This Platinum Islamic credit card can be utilised for contactless payments with Samsung Pay or Apple Pay
Avail of the ‘Buy 1 Get 1’ offer at Costa Coffee
Get over 100 exciting card offers on dining and shopping with Good Life
Get 20% off on Careem rides
Avail of travel benefits and get up to 30% discount with Cleartrip
Enjoy complimentary and unlimited access to airport lounges across the globe
Get USD 50% off on hotel packages and flight bookings with Expedia.com on a minimum spend of AED 1,200
Enjoy easy cash withdrawal up to your allowed cash limit from ATMs globally with the Mastercard logo
Enjoy over 500 ‘Buy 1 Get 1’ offers with the Mastercard For You application
Features & Benefits of this Platinum Islamic Credit Card -
An annual fee of AED 420 would apply for this Platinum Islamic credit card in UAE
The applicant must have a monthly salary of at least AED 15,000 to obtain this Islamic credit card in UAE
Avail of 8% discount on hotels.com
Get a discount of up to 12% on vacation rentals and hotels with Agoda
Enjoy the DragonPass ‘Dine & Fly’ airport dining program with this credit card in UAE. Customers can get access to more than 200 airport restaurants across the globe as well as global emergency assistance.
Enjoy 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile application