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Ruya Max
Points card earning Ruya Reward Points. Strongest on dining at 2 pts.
Reward rates by category
| Category | Rate | Notes from the bank’s terms |
|---|---|---|
| Dining | 2 pts | 2x reward points dining | Shariah-compliant community Islamic bank | AED 480 annual fee | Debit/credit hybrid |
| Groceries | 2 pts | |
| Fuel | 2 pts | 2x points fuel |
| Travel | 2 pts | |
| Online shopping | 2 pts | |
| Cinema | 2 pts | 2x points entertainment | Worldwide Mastercard acceptance |
| International spend | 2 pts |
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately.
Perks
Last checked against the bank’s terms on 2 Jun 2026. Rates, fees and eligibility change often. Always confirm on Ruya Community Islamic Bank’s own page before applying. Spotted something wrong? Tell us.
Other points cards for dining
Ajman Bank · No fee7%2SHAMS Infinite
Dubai Islamic Bank · AED 2,00010 pts (≈5%)3SHAMS Platinum
Dubai Islamic Bank · AED 52510 pts (≈5%)4SHAMS Signature
Dubai Islamic Bank · AED 1,05010 pts (≈5%)
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