Islamic Personal Financing in Dubai, Dubai

ADIB's headline cashback covered card paying 4% across the everyday categories that dominate UAE household budgets: grocery and supermarket, fuel and automobile, school and education, dining and restaurants, and utility payments, plus roadside assistance once a year. A simpler 1%-flat variant family (ADIB Cashback Visa Platinum and ADIB Visa Cashback) exists alongside for customers who prefer uncapped uniform earning.

ADIB's co-branded covered card family with Etihad Airways' Etihad Guest program, in four tiers. Limited-time offers advertise up to 225,000 additional sign-up Miles across the family (up to 100,000 bonus Miles on the Infinite, 150,000 on Platinum promotions, 100,000 on Gold). The Infinite earns up to 3.5 Etihad Guest Miles per AED 4 spent plus 1 Tier Mile per AED 4, with fast track to Etihad Guest Gold, free companion ticket voucher, class upgrade voucher, airport transfers and unlimited lounge access with a guest. Platinum adds valet parking and lounge access with Gold fast track; Gold fast-tracks Silver; Classic is the entry Miles earner with roadside assistance.

Personal finance up to AED 3 million for UAE nationals and AED 2 million for UAE residents, with the first instalment payable after up to 7 months, repayment terms to 48 months, and two instalment postponements allowed per year. Pre-approval in 30 minutes; online application takes about 10 minutes. Minimum salary AED 5,000; ages 21 to 65 (nationals) / 60 (expats) at finance maturity. Optional comprehensive personal finance Takaful covers the outstanding balance up to AED 2.5 million. Documentation is passport/Emirates ID plus salary letter. The eligibility notes state that a trading commission as applied by the broker will be levied to the customer, indicating a commodity-trading execution behind the finance.

Co-branded covered cards with Majid Al Futtaim's SHARE rewards ecosystem. SHARE Visa Infinite: 12% back in SHARE points for the first 3 months plus 10,000 welcome points (worth AED 1,000), then 6% at Carrefour in-store and online and 6% across Mall of the Emirates, City Centre malls, Ski Dubai, Magic Planet and other MAF brands, 2% on other local spends, 2% international (0.5% EEA), unlimited lounge access with guest, roadside assistance 3x/year and valet 4x/month. SHARE Visa Platinum: 6% first 3 months plus 2,000 welcome points (AED 200), 3% Carrefour/MAF, 1.25% local, valet monthly and roadside annually.

App-originated Islamic personal finance from the ADCB Group's digital Islamic bank. Fees are published in the Schedule of Fees: a study and documentation fee of 1.05% of the finance amount (minimum AED 525, maximum AED 2,625), life takaful free for finance booked from 27 November 2025 (0.0146475% of outstanding per month on older bookings), free installment postponement, and early settlement at 1% of outstanding capped at AED 10,000, with Ministry of Defence and GHQ Armed Forces employees exempt from the early settlement fee. Profit rates are not published and are quoted per profile in-app.

Murabaha personal finance from Commercial Bank of Dubai's Islamic window, with published Key Facts Statement pricing: profit rates from 5.50% per annum reducing (maximum 20%), finance up to 20 times monthly salary for UAE nationals (max AED 2.5 million) and 15 times for expatriates and armed forces (max AED 750,000), and a non-salary-transfer Quick/Digi Finance capped at AED 150,000. Minimum salary is AED 8,000, debt burden ratio maxes at 50% (30% for pensioners), and processing is 1% (min AED 525, max AED 2,625) for salary-transfer finance or a flat 0.5% (max AED 787.50) for the digital variant. A free current account with no minimum balance comes with the finance.

DIB's personal finance shelf: goods and services financing with amounts up to AED 5 million, first instalment deferrable up to 240 days for UAE nationals (180 days on some variants), tenors up to 48 months, instalment postponement via DIB alt phone banking, and simple documentation. Variants include Personal Finance for Goods, Personal Finance for Services, Liability Settlement Finance (consolidates obligations from other banks against salary transfer, first instalment up to 180 days), Liability Consolidation Finance (top-up plus consolidation of existing DIB finance), FlexiSalary (fully digital salary-advance style finance up to AED 13,000 in minutes with zero processing fees and profit amounts from AED 80), a Sustainable Personal Finance with life Takaful coverage up to AED 100,000, and a People of Determination variant with a 0.25% discount on standard rates and finance up to AED 5 million.

DIB's flagship covered card family in three tiers. Headline earn: 5% back on dining and travel, with Wala'a rewards welcome bonuses up to 200,000 (Infinite), 100,000 (Signature) and 50,000 (Platinum) capped monthly cashback at AED 150/120/90 respectively during offer periods. Infinite adds complimentary airport transfers (4 per annum, book 2 working days ahead), unlimited lounge access, valet parking, golf (7 UAE courses, 4 times monthly), Fitness First access, Costa buy-one-get-one and multi-trip travel cover up to USD 500,000. Year 1 is fee-free on all tiers; from year 2 the fee is waived with annual spend of AED 60,000 / 30,000 / 15,000 by tier, otherwise AED 733.95 / 523.95 / 208.95 applies.

Co-branded covered card family with Emirates airline in three tiers. Infinite: up to 75,000 bonus Skywards Miles, complimentary Emirates Skywards Silver membership and airport transfers. Signature: up to 30,000 bonus Miles and access to 1,000+ airport lounges worldwide. Platinum: up to 5,000 bonus Miles and 0% Easy Payment Plan on emirates.com purchases. All tiers earn Skywards Miles on everyday spending, redeemable for flights and upgrades with Emirates and partners. DIB's covered card KFS lists annual fees across its card range from AED 210 to AED 2,625 depending on variant.

Murabaha-based personal finance with fully published pricing: rates from 2.59% flat p.a. (approx. 4.74% reducing) for UAE nationals and 2.99% flat (approx. 5.47% reducing) for expatriates, amounts to AED 4 million for nationals and AED 3 million for expatriates, tenors to 48 months (60 for Ministry of Defence employees). Minimum salary AED 7,500, minimum one month of service or first salary credit to EI, ages 21 to 65 (nationals) / 60 (expats) at maturity. The mechanics are unusually well documented: EI sells the customer EI Funding Certificates (units in Shariah-compliant assets including sukuk, equity and real estate, valued at USD 10 each and deposited at Nasdaq Dubai) at cost plus disclosed profit; the customer then sells the certificates via Emirates NBD Securities for cash proceeds, with a documented 3-hour implied-consent window on the Murabaha offer and the broker's trading commission passed to the customer.

A Visa Signature credit card with a switchable earning mode, changeable monthly in the EI + app: Lifestyle mode pays 8% on domestic fuel (capped AED 100/month) and 4% on domestic supermarkets, dining and education (capped AED 200/month each); Travel mode pays 4% on airlines, hotels and dining (AED 200 caps each); both modes pay 0.5% on telecom, utilities, real estate and government spends and 1% on everything else, uncapped. Welcome offer: AED 500 cashback on AED 15,000 spend within 60 days (valid to 30 September 2026). Minimum AED 2,500 monthly spend to earn; cashback lives 24 months, minimum AED 300 redemption via the EI Rewards app for statement credit, miles, vouchers or travel. Year 1 free; AED 299 + VAT from year 2, waived at AED 30,000 annual retail spend. Perks: 1,200+ lounges, 2 golf rounds monthly, valet, meet-and-greet, BOGO cinema, Sharjah Ladies Club access and multi-trip travel Takaful.

Commodity Murabaha cash finance up to AED 5 million for UAE nationals and AED 2 million for expatriates, with grace periods of up to 365 days (nationals) and 120 days (expats) before the first installment. Published fixed rates run from 4.79% per year for nationals with the Multi Product Package (salary transfer + Islamic credit card) to 7.2% for expats with salary transfer only, with the flat-rate equivalents and a worked example printed on-page (AED 100,000 over 48 months = AED 13,708-16,042 total profit). Processing is 1.05% (min AED 525, max AED 2,625) and a Sukuk Murabaha variant carries its own published fatwa.

Fully digital Shariah-compliant personal finance with published pricing: profit rates from 2.90% flat per annum, which ruya itself converts on-page to approximately 5.49% fixed reducing, a disclosure practice most UAE banks avoid. Minimum salary is AED 5,000 and minimum age 21; the app shows an indicative installment estimate before you apply, and documentation (Emirates ID, salary certificate or 3 months' payslips, salary transfer letter with end-of-service benefit) uploads digitally. A finance takaful scheme document is published alongside the terms.

Cash-purpose Islamic personal finance built on Goods Murabaha (with Service Ijarah used for service needs), for school fees, travel, furnishing, rent or investment. The first installment falls due only after 150 days, repayment runs up to 48 months, and finance amounts scale to AED 1,000,000 per the bank's calculator. Minimum salary is AED 5,000, but unlike SIB's car finance the salary must be transferred to SIB and the employer must be on the bank's approved list; an Al Etihad Credit Bureau report is required, and maximum age at maturity is 65 for UAE nationals, 60 for expatriates.