Credit Card Provided By Emirates Islamic

Last Updated on 19-09-2019

Check Eligibility for Emirates Islamic Credit Card

You are eligible to apply for a Emirates Islamic
Credit Card .

You may not be eligible * to apply.

* Minimum salary AED 5000 required to apply for a Emirates Islamic Credit Card .

Click here to check loans from other banks.

ADIB Smart Account

Features of Emirates Islamic Credit Card

  • Get up to 10% cashback on everyday expenses
  • Get EI Smart Miles on every USD spent
  • Get high travel benefits
  • Get Skywards Miles on every dirham spent on local and international expenses
  • Get free valet parking benefits
  • Can avail free travel insurance benefits
  • Can avail balance transfer facility

Eligibility Criteria of Emirates Islamic Credit Card

  • Minimum salary required AED 7.5K
  • Both self-employed and working individuals are eligible

Documents Required of Emirates Islamic Credit Card

  • Valid ID Proofs(Emirates ID, Passport)
  • Current Residence Proof(Utility bills)
  • Salary certificate(Working Individuals)
  • Trade Licence

Emirates Islamic Credit Card Profit Rates

Emirates Islamic Bank

9 Emirates Islamic Bank Credit Cards

Emarati Credit Card

rate

Profit Rate

2.49%

minimum salary

Minimum Salary

AED 5K

fx rate

Fx Rate

1.84%

annual fee

Annual Fee

AED 0

balance transfer

Balance Transfer

Yes

cashback

Cashback

Yes

interest rate

2.49%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

1.84%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Advantages
  • 10% cashback on dining
  • EI smart miles as signup bonus
  • Free valet parking
Advantages
  • 10% cashback on dining
  • EI smart miles as signup bonus
  • Free valet parking

Features

  • Sign up bonus is provided
  • High travel benefits are provided
  • No annual fees on the credit card

Benefits

  • 25000 SmartMiles are provided as signing up offer
  • Get 2.5 - 3.75 SmartMiles on every purchase made in and out UAE
  • Can redeem SmartMiles for travel and hotel bookings
  • Free valet parking
  • Up to 10% cashback is provided on the dining
  • Can avail travel insurance for free
  • Discounts on dining and shopping are provided

View details on bank page

Skywards Visa Infinite card

rate

Profit Rate

2.99%

minimum salary

Minimum Salary

AED 25K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 2K

balance transfer

Balance Transfer

Yes

cashback

Cashback

No

interest rate

2.99%

Profit Rate

minimum salary

AED 25K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 2K

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Automatic upgrade to Emirates Skywards Silver membership.
  • Unlimited Complimentary golf.
  • free valet parking every month at select locations once a month, any additional use of this service will charge AED 80 of your card.
  • Unlimited complimentary access to over 650 airport lounges for two people.
  • This is an Islamic card.
  • Avail credit shield and cash advance with this card.
  • Avail four free supplementary cards with this card.
  • The Forex rate stands at 2.34%
  • Minimum salary required for this card is AED 25000
  • Balance transfer facility is available at a fixed monthly fee every month based on the amount, starting from AED 30.

Benefits

  • Receive global assistance wherever you are.
  • Receive discounts up to 30% at various restaurants.
  • Get fabulous shopping discounts at partner outlets.
  • Complimentary Emirates skywards Silver membership.
  • Purchase protection.
  • Multi travel insurance.
  • Receive global assistance wherever you are.
  • Exclusive Visa infinite offers.
  • Global Concierge.
  • Get discounts on car rentals.

View details on bank page

RTA Platinum Card

rate

Profit Rate

3.35%

minimum salary

Minimum Salary

AED 5K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 0

balance transfer

Balance Transfer

Yes

cashback

Cashback

Yes

interest rate

3.35%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Features

  • Make fare payments on the RTA Transit network and Parking Meters.
  • The Nol Chip and Credit Card Account on your Card are separate. They are securely linked for top-ups only as authorised by you.
  • Card comes with convenient topup options to recharge your linked Nol Chip.
  • provides the most convenient option for Salik Auto top up.
  • This is an Islamic card.
  • Get credit shield and cash advance this card.
  • Receive flexible payment options.
  • Receive various shopping points with this card.
  • The Forex rate stands at 2.34%
  • The profit rate stands at 3.35%
  • You need a minimum salary of AED 5000.
  • Balance transfer facility is available at a rate of 1% for 3 months and 2% for 6 months.

Benefits

  • Avail purchase protection and travel insurance.
  • Purchase protection and extended warranty.
  • Emergency medical and legal referral service.
  • Emergency cash and card replacement.
  • Receive discounts up to 30% at various restaurants.
  • Get fabulous shopping discounts at partner outlets.

View details on bank page

Flex Card

rate

Profit Rate

3.35%

minimum salary

Minimum Salary

AED 5K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 0

balance transfer

Balance Transfer

Yes

cashback

Cashback

No

interest rate

3.35%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Advantages
  • Earn EI smart miles on every purchase
  • Free airport lounge access
  • Free valet parking
Advantages
  • Earn EI smart miles on every purchase
  • Free airport lounge access
  • Free valet parking

Features

  • Exclusively designed to offer customers travel, shopping and lifestyle benefits.
  • You can redeem points points from 300 airlines and 180,000 hotels.
  • Make any purchase with your Elsmartmiles
  • Shop for fashion, electronics, home decor without leaving your home with our online market place.
  • Earn EI SmartMiles on all your domestic and international spends.
  • Forex rate stands at 2.34%
  • You get a repayment period of 55 days.
    You need to do a minimum payment of 5% of outstanding amount every month.
  • You need a minimum salary of AED 5000.
  • You can transfer your balance at 0% for 6 months with 2% processing fee.
    There is a 5% minimum payment required every month.

Benefits

  • You can use your EI SmartMiles to shop with the 'Instant Purchase' feature.
  • Complimentary unlimited access to over 750 airport lounges worldwide.
  • unlimited miles and redeem with no blackout dates.
  • Free valet parking.
  • experience with Visa Paywave technology.
  • Receive discounts up to 30% at various restaurants.
  • Get fabulous shopping discounts at partner outlets

View details on bank page

Union Coop Tamayaz Card

rate

Profit Rate

3.35%

minimum salary

Minimum Salary

AED 5K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 0

balance transfer

Balance Transfer

Yes

cashback

Cashback

No

interest rate

3.35%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 0

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • free valet parking every month at select locations once a month, any additional use of this service will charge AED 80 of your card.
  • Free for life card
  • Tap and pay experience with Visa Paywave technology.
  • This is an Islamic card.
  • There is a Forex rate of 2.34%
  • You need a minimum salary of AED 5000 to avail this card.
  • You can transfer your balance at 0% for 6 months with 2% processing fee.
    You can transfer your balance up to 80% of the credit limit.

Benefits

  • Receive purchase protection up to AED 5000 per occurence and AED 20,000 Per year.
  • Extended warranty.
  • Shopper wallet.
  • Golf access at different locations.
  • Receive credit shield with this card.
  • Emergency medical and legal reference.
  • Cash on call facility.
  • Receive global assistance wherever you are.
  • Receive discounts up to 30% at various restaurants.
  • Get fabulous shopping discounts at partner outlets.

View details on bank page

Cashback Plus Card

rate

Profit Rate

3.35%

minimum salary

Minimum Salary

AED 7.5K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 299

balance transfer

Balance Transfer

Yes

cashback

Cashback

Yes

interest rate

3.35%

Profit Rate

minimum salary

AED 7.5K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 299

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Features

  • High travel benefits
  • Can avail Easy Installment Plan option
  • Dedicated customer service
  • Get golf club access

Benefits

  • Get 10% cashback on every purchase like at supermarkets, tuition fees, dining, and telecom bill payments
  • Get free access to airport lounges worldwide
  • Free travel and medical insurance are provided
  • Get additional discounts on shopping, dining, and travel
  • No annual fees for the first year

View details on bank page

Cashback Card

rate

Profit Rate

3.35%

minimum salary

Minimum Salary

AED 5K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 350

balance transfer

Balance Transfer

Yes

cashback

Cashback

Yes

interest rate

3.35%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 350

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

Yes

Cashback

Features

  • No minimum spend criteria for earning cash back rewards
  • You can convert your purchase into easy installment plans with this card.
  • Cash on call facility.
  • This card also provides islamic credit shield.
  • Purchase protection and extended warranty.
  • 24 hours customer service.
  • This is an Islamic card.
  • Avail cashback on all your spends with this card.
  • The Forex rate applicable on this card is 2.34%
  • You get an interest free period up to 55 days.
    You need to pay an interest of 5% on the outstanding amount.
  • You need a minimum salary of AED 5000 to avail this card.
  • 0% interest on balance transfer from other cards to this card for 6 months.

Benefits

  • Enjoy offers for your value at 900 hotels with this card
  • Medical and legal referral
  • Exclusive golf access benefits.
  • Enjoy easy payment plans with this card.
  • Avail free supplementary cards.

View details on bank page

Skywards Signature Credit Card

rate

Profit Rate

3.25%

minimum salary

Minimum Salary

AED 5K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 700

balance transfer

Balance Transfer

Yes

cashback

Cashback

No

interest rate

3.25%

Profit Rate

minimum salary

AED 5K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 700

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Additional benefits for bookings made at Emirates Airlines
  • Additional benefits for purchases made at Etisalat and DU
  • Dining and shopping benefits
  • Can convert regular payments to Easy Installment Plan

Benefits

  • Double Skywards miles are provided on bookings made at Emirates Airlines
  • 0.75 Skywards miles on everyday purchases
  • Skywards miles are provided on Etisalat and DU payments also
  • Skywards miles are provided on international purchases also
  • Get up to 30% discount on dining at selected restaurants in the UAE region
  • Get unlimited access to airport lounges worldwide
  • Free valet parking

View details on bank page

Flex Elite Card

rate

Profit Rate

3.25%

minimum salary

Minimum Salary

AED 8K

fx rate

Fx Rate

2.34%

annual fee

Annual Fee

AED 700

balance transfer

Balance Transfer

Yes

cashback

Cashback

No

interest rate

3.25%

Profit Rate

minimum salary

AED 8K

Minimum Salary

fx rate

2.34%

Fx Rate

annual fee

AED 700

Annual Fee

balance transfer

Yes

Balance Transfer

cashback

No

Cashback

Features

  • Exclusively designed to offer customers travel, shopping and lifestyle benefits.
  • You can redeem points points from 300 airlines and 180,000 hotels.
  • Make any purchase with your Elsmartmiles
  • Shop for fashion, electronics, home decor without leaving your home with our online market place.
  • Earn EI SmartMiles on all your domestic and international spends.
  • Forex rate stands at 2.34%
  • You get a repayment period of 55 days.
    You need to do a minimum payment of 5% of outstanding amount every month.
  • You need a minimum salary of AED 8000 to avail this card.
  • You can transfer your balance at 0% for 6 months with 2% processing fee.
    There is a 5% minimum payment required every month.

Benefits

  • You can use your EI SmartMiles to shop with the 'Instant Purchase' feature.
  • Complimentary unlimited access to over 750 airport lounges worldwide.
  • unlimited miles and redeem with no blackout dates.
  • Free valet parking.
  • experience with Visa Paywave technology.
  • Receive discounts up to 30% at various restaurants.
  • Get fabulous shopping discounts at partner outlets.
  • This card also provides global concierge service.
  • Avail free valet parking with this card.

View details on bank page

Emirates Islamic Credit Card Benefits

Travel

  • Get up to 20,000 Skywards miles on the first retail transaction
  • Get 1.5 - 2 skywards miles on 1 USD spent on booking at Emirates Airlines
  • Get 0.75 - 1 skywards miles on 1 USD spent on local expenses
  • Get 1.1 - 1.5 skywards miles on 1 USD spent on international purchases
  • Get up to 30000 EI Smart Miles as sign up bonus
  • Get 1.25 - 2.5 EI Smart Miles on 1 AED spent anywhere locally
  • Get 2.25 - 3.75 EI Smart Miles on 1 AED spent outside UAE
  • Get privileges at hotel rooms
  • Get access to 600+ airport lounges in the world

Cashback

  • Get 1% cashback on every dirham spent on local and international expenses as well
  • Earn up to 10% cashback on telecom bills, supermarket, education, dining, etc.
  • Get 10% cashback on fuel spends
  • On Emirates Islamic RTA Credit Card get 1.25% cashback on every dirham spent locally
  • On Emirates Islamic RTA Credit Card get 2.25% cashback on 1 AED spent on international expenses
  • Get 6000 Tamayaz Points as a welcome bonus on Emirates Islamic Union Coop Tamayaz Card
  • Get up to 3 Tamayaz points on every dirham spent at Union Coop Store

Miscellaneous

  • Get access to golf clubs in the UAE region
  • Get up to 30% off on dining at selected restaurants
  • Avail free valet parking benefits
  • Get discounts on shopping at selected stores

Frequently Asked Questions

Q. Is the free valet parking unlimited?

A. The free valet parking depends on the type of the card you opt for.

Q. On what basis the monthly fees are calculated?

A. Monthly fees depend on the credit limit provided on the card.

Q. What is the cashback provided on international expenses?

A. On international purchases using Emirates Islamic card, up to 2.25% of cashback is provided.

Q. What is the cashback provided on domestic expenses?

A. On domestic purchases using Emirates Islamic card about 1% - 10% cashback is provided.

Q. How many EI SmartMiles are provided?

A. About 2.5 - 3.75 EI Miles are provided on every dirham spent on international and domestic purchases.

Q. On what the EI Smart Miles can be redeemed for?

A. EI Smart Miles can be redeemed for travel bookings, online shopping, and much more.

Q. What are the charges on credit shield?

A. For the first 2 months, credit shield is provided on no charges. Later on, 0.99% of the outstanding amount is charged as credit shield fees.

Q. Is it mandatory to get credit shield on the card?

A. No, credit shield on the card is optional.

Q. Can I convert my regular payments to Easy Payment Plan?

A. Yes, you can avail easy installments plan for a maximum tenure of 12 months.

Q. What are the charges for card replacement?

A. There are no charges for your Emirates Islamic Credit card replacement.

Q. Can I get a loan on the card?

A. Yes, you can get a loan on your credit card.

Q. What is the maximum loan amount provided?

A. 80% of the credit limit is provided as the maximum loan amount.

Q. What are the offers provided on Emirates Islamic bank credit card?

A. Check here for the list of Emirates Islamic credit card offers

Q. What is the minimum salary required?

A. The minimum salary required for a Emirates Islamic Bank credit card is AED 5000.

Q. What is the annual fees charged?

A. The annual fees charged on a Emirates Islamic Bank credit card starts from AED 299. There are some no annual fees credit cards provided as well.

Q. What is the interest rate charged?

A. The interest rate charged on a Emirates Islamic Bank credit card starts from 2.49%.

Q. Are self-employed individuals eligible?

A. Yes. Self-employed individuals are eligible for a Emirates Islamic Bank credit card.

About Emirates Islamic

In order to deliver high standards of banking services, Emirates Islamic Bank was established in the year 2004. The bank is aimed to deliver services in accordance with the standards of Shariah principles. It offers a wide range of products that are designed exclusively for individuals, small businesses and large corporations.

Ask questions and share your comments

We encourage our users to have discussion on questions they might have on financial products and help other users by sharing their insights. Kindly help us in making this site useful. We don't encourage any spam posts here. This is a public forum, so we request you to be safe by not disclosing personal information such as bank account or phone numbers etc. Please follow our posting guidelines. All the comments posted under MyMoneySouq official account are not reviewed by the financial institutions.

x

MyMoneySouq Robo Advisor MyMoneySouq's Robo Advisor

Hi, I’m MyMoneySouq’s Robo Advisor.

Terms of MyMoneySouq Robo's Advisor use
MyMoneySouq Robo Advisor

I can help you find the best personal loans and credit cards in UAE

MyMoneySouq Robo Advisor
MyMoneySouq Robo Advisor
MyMoneySouq Robo Advisor

Was my answer helpful ?

Yes No
send cancel

Thank you for your feedback

Ask me about Credit Cards

MyMoneySouq Robo Advisor