Switch between Lifestyle and Travel categories each month using the Emirates Islamic Mobile Banking App. Cashback rates depend on which category is selected for the month. The selected category remains active until changed.
For lifestyle category, cashback rates are-
4% cashback on domestic supermarket spends capped at AED 200 per month.
4% cashback on dining spends capped at AED 200 per month.
4% cashback on education-related spends capped at AED 200 per month.
8% cashback on domestic fuel spends capped at AED 100 per month.
0.5% cashback on Telecom, Utilities, Real Estate, and Government spends with no monthly cap.
1% cashback on all other spends with no cap.
For Travel category –
4% cashback on airline booking, hotel bookings and dining spends capped at AED 200 per month.
0.5% cashback on Telecom, Utilities, Real Estate, and Government spends without any cap.
1% cashback on all other spends.
A minimum monthly spend of AED 2,500 required to earn any cashback.
Cashback can be redeemed via the EI Mobile Banking App. Minimum AED 300 in cashback wallet is required to redeem as statement credit.
Cashback can also be redeemed for travel bookings, loyalty programs, instant purchases and shopping via the EI Rewards portal.

No annual fee for the 1st year and from the 2nd year annual fee waiver is applicable on spends of AED 30,000 annually.
Welcome Bonus of AED 500 Cashback points on spending AED 15,000 within 60 days of card approval.
Cashback points on both travel and lifestyle categories.
Unlimited complimentary access to over 1000 airport lounges across the globe for both primary and supplementary cardholders.
2 complimentary golf rounds at Arabian Ranches Golf Club, Jebel Ali Golf Course or Abu Dhabi Golf Club on both weekends and weekdays.
Complimentary Multi-Trip Travel Insurance that covers travel accidents and travel inconvenience on all trips for up to 90 days duration.
Up to 1 complimentary valet parking services per month at select locations in the UAE.
Up to 2 complimentary Marhaba Bronze Meet & Greet services per year.

Up to 2 free ‘Buy 1 Get 1’ VOX/REEL movie tickets each month on any day of the week.
Up to 20% discount on all movie tickets and a 20% discount on food and beverages at Roxy Cinemas.
Free Purchase Protection covering lost, stolen, or damaged goods purchased with the card.
Cash on cash facility to avail up to 80% of available credit limit on the card as cash with just a phone call.
Extended warranty doubles the original manufacturer’s warranty for up to one year beyond the expiry date.
Easy Payment Plans on purchases made at partner outlets like Carrefour and Sharaf DG with tenures of 3, 6, 9, or 12 months at 0% interest rate. Shop across categories like electronics, telecom, supermarket, and jewellery.
Complimentary access to Dubai Ladies Club that provides pool and beach access, gym facilities, outdoor activities, and more.
Premium benefits at over 900 luxury hotels worldwide with the best available rates, complimentary breakfast, room upgrades, late check-out, VIP guest status, and a $25 food or beverage voucher.
Avail Visa Travel offers on luxurious Dubai staycations, international hotel bookings, and up to 35% off on car rentals.

The first visit to the airport lounges is complimentary. For subsequent free visits, a minimum foreign currency spend of USD 1 (or equivalent) on both primary and supplementary cards is required 15 days before the lounge visit.
The Multi-Trip Travel Insurance coverage extends to the cardholder, spouse, and up to five children, all under the age of 75.
To avail the free golf rounds, a minimum retail spend of AED 5,000 per calendar month is required.
To avail Marhaba Meet & Greet service, free movie tickets, free valet parking service and access to Dubai Ladies club, a minimum retail spend of AED 3,000 per calendar month is required.

Emirates Islamic Switch Cashback Credit Card