The Amazon Emirates Islamic Mastercard World Credit Card is a Sharia-compliant credit card issued by Emirates Islamic in partnership with Amazon.ae, positioned as a premium tier with broader travel benefits.
It is aimed at higher-income UAE residents who want rewards on Amazon purchases plus wider travel and lifestyle privileges.
The card combines a profit-based Islamic financing structure with cashback and travel benefits on eligible purchases.
Approval, credit limit, and final terms are set by Emirates Islamic based on its own eligibility review.
Key Facts
- Annual fee: AED 0 (no annual membership fee — Free for Life card)
- APR (Annual Percentage Rate): Profit rate of 3.69% per month, as published in the issuer’s Schedule of Charges
- Minimum income: AED 15,000 per month
- Fees note: No annual fee; a delayed/default payment triggers a Commitment to Donate Amount of AED 131.25 (paid to a Shariah-approved charity, not retained by the bank as interest). Foreign transaction and cash advance fees also apply — see the Card fees section.
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية مدى الحياة (لا توجد رسوم عضوية سنوية).
- معدل النسبة السنوية (APR): نسبة ربح قدرها 3.69% شهريًا، وفقًا لجدول الرسوم المنشور لدى البنك.
- الحد الأدنى للدخل: 15,000 درهم شهريًا.
- ملاحظات حول الرسوم: لا توجد رسوم سنوية. وفي حال التأخر أو التعثر في السداد، يُطبَّق مبلغ الالتزام بالتبرع وقدره 131.25 درهم، ويُصرف لجهة خيرية معتمدة من الهيئة الشرعية ولا يحتفظ به البنك كفائدة. كما تُطبَّق رسوم على المعاملات بالعملات الأجنبية وعلى السحب النقدي، راجع قسم رسوم البطاقة.
Is the Amazon Emirates Islamic Mastercard World Credit Card a good card?
The Amazon Emirates Islamic Mastercard World Credit Card suits higher-income UAE residents who shop regularly on Amazon.ae and want broader travel benefits alongside structured, Sharia-compliant financing.
Cardholders who pay their balance in full each month benefit most, since the profit charge only applies to amounts carried forward.
Pros and cons of the Amazon Emirates Islamic Mastercard World Credit Card
Pros
- No annual fee: Free for life, with no membership cost
- Amazon cashback: Up to 6% back on Amazon.ae purchases for Prime members, with no earning limit
- Airport lounge access: Up to 8 complimentary visits per calendar year across more than 1,300 lounges worldwide
- Travel insurance: Personal accident and emergency medical coverage of up to USD 500,000
Cons
- Higher income requirement: Minimum monthly income of AED 15,000, above other Amazon cards from the same issuer
- Profit rate applies to carried balances: 3.69% per month on any amount not paid in full
- Cashback tied to Prime membership: Non-Prime members earn lower rates: up to 3% on Amazon.ae and up to 1% elsewhere
How to apply for your Amazon Emirates Islamic Mastercard World Credit Card
Applicants can apply through the Emirates Islamic website by submitting the required income and identity documents.
Emirates Islamic reviews each application individually, and approval, credit limit, and terms depend on its own assessment; approval is not guaranteed.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by Emirates Islamic. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يصدر عن مصرف الإمارات الإسلامي أو يُعتمد من قِبَله. تخضع جميع الشروط والأسعار والرسوم للتغيير ولموافقة الجهات التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للمصرف وإلى بيان الحقائق الأساسية للاطلاع على أدق المعلومات وأحدثها.