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Emirates Islamic bank commenced its operation to cater to the needs of Islamic banking customers in the UAE in 2004. With the highest standards of Islamic banking products, it aims at providing the best in class services to its valued customers in full compliance with Sharia and Fatwa Laws. Being a subsidiary of Emirates NBD, the bank has established itself as a reliable financial institution in the UAE over the last 17 years. Emirates Islamic Bank offers a range of banking products such as Islamic bank accounts, deposit schemes, sharia approved investment schemes, etc.
The bank also offers a wide range of credit cards catering to the financial needs of UAE individuals in a sharia-compliant way. Among various credit cards, Emirates Islamic cashback credit cards are one of the most rewarding and help you earn cashback on daily expenses. Additionally, these cards are easily affordable with convenient application processes. This article lists down the various features and benefits of Emirates Islamic cashback credit cards in the UAE.
Best Cashback Credit Cards from Emirates Islamic Bank in UAE
Features & Benefits of Emirates Islamic RTA Credit Card
Enjoy 10% cashback on all fuel expenses up to AED 100 every month using the RTA credit card.
Get 10% cashback (up to AED 100 per month) on RTA transport payments using the RTA credit card.
Earn up to 2.25% cashback on all international purchases.
Earn 1.25% cashback on all local purchases.
Using an RTA credit card, you can pay the fare at RTA metro, bus, water bus, monthly pass product, etc.
Enjoy 2 Buy 1 Get 1 offer on Reel cinemas every month on any day of the week.
Using your RTA credit card, you can also avail of emergency medical and legal referrals anywhere and anytime around the world through SOS international.
Get emergency cash of up to AED 5,000 and card replacement anywhere around the world in case of credit card theft or loss.
Avail of purchase protection for up to 90 days in case of credit card loss.
Get an extended warranty on eligible items for up to 24 months from the purchase date and up to a value of USD 5,000.
Benefits of Emirates Islamic Cashback Credit Cards in UAE
Emirates Islamic cashback credit cards include various cashback offers with a range of exclusive discounts and privileges. As a cashback cardholder, you get loyalty cashback on supermarket, lifestyle as well as education spending. A list of Emirates Islamic cashback credit card benefits is given below.
You earn 10% cashback on grocery purchases from supermarkets within and outside the UAE.
While paying for school and university fees, Emirates Islamic credit cards earn you a cashback of 10% in the UAE and abroad.
Emirates Islamic bank credit cards also come with 10% cashback on lifestyle expenses such as dining and entertainment.
The cards also offer 10% cashback on telecom bills (local and international), Etisalat, and du bills in UAE.
The cashback does not expire every month and you can redeem it anytime within 2 years.
Apart from the cashback, you earn reward points on various eligible retail purchases that you can redeem to avail of additional discounts.
With Emirates Islamic cashback credit cards, you get access to Buy 1 Get 1 offers on Reel cinemas every month on any day of the week. With such offers, you get a 50% discount on total cinema expenditure.
The cardholders also get complimentary access to over 1000 premium airport lounges across the globe via LoungeKey.
You can also avail of up to 15% discount on Emaar Entertainment Attraction using the Emirates Islamic cashback credit cards.
You get access to an array of travel and lifestyle benefits, including dining offers, valet parking, concierge services and a lot more.
Apart from various cashback benefits, Emirates Islamic cashback cards offer tight security through purchase protection, extended warranty and secure online transactions.
Other benefits offered are cash advance facility, easy instalment plans and bill payments.
Features of Emirates Islamic Bank Cashback Credit Cards in UAE
Emirates Islamic Bank credit card benefits are not limited to cashback and loyalty points only. It offers several features like extended warranty, easy instalment options and affordable salary requirements as mentioned below.
Annual Membership Charges - The EIB credit cardholders need to pay an annual membership fee depending on the credit card type. In addition, several cards are free of annual charges, subject to minimum spending annually.
Minimum Salary Requirements - Each EIB cashback credit card comes with a minimum salary requirement. Individuals willing to apply for credit cards have to meet the income criteria depending on the card type.
Rewards and Cashback Programs - The bank offers numerous cashback and rewards on each domestic and international spending as a part of the loyalty program. The cashback and rewards are as high as 10% at several points of sale.
Exclusive Cinema Offers -Emirates Islamic credit cards offer various discounts and offers on Vox Cinemas and Reel Cinemas including Buy 1 Get 1 offers using the mobile application up to 4 times a month. To avail of these offers, individuals need to spend a minimum amount every month as set by the bank.
Balance Transfer Facility - EIB credit cards offer a convenient balance transfer facility at low-profit rates in comparison to other credit cards. Using this facility, the cardholders can increase the debt repayment period at lower profit rates by transferring the outstanding balance on another credit card.
Extended Warranty - Emirates Islamic Bank provides an extended warranty of 12 additional months on the eligible products purchased using credit cards, thereby increasing the reliability and performance of your products.
Purchase Protection Feature - Emirates Islamic credit cards come with a purchase protection feature that protects you from credit card thefts/frauds and damages. In addition, you get card damage protection of USD 5,000 per incident on the credit card.
Sharia Compliant Credit Cards - Emirates Islamic credit cards are Sharia-compliant that follow the Islamic banking laws for profit-making.
List of Emirates Islamic Cashback Credit Card in UAE with Salary Requirement
If you are confused about the most suitable cashback credit card for you, we have gathered a list of the best cashback credit cards in UAE from Emirates Islamic Bank. Refer to the list below and find the best credit card as per your needs.
Emirates Islamic Cashback Credit Card
Salary Requirement
Cashback Plus Credit Card
Minimum salary requirement of AED 5,000 per month or more.
Cashback credit card
Minimum salary requirement of AED 5,000 per month or more.
Expo Credit Card
Minimum salary of requirement AED 5,000 per month or above
RTA credit card
Minimum salary requirement of AED 5,000 per month or above.
Eligibility Criteria for Emirates Islamic Bank Cashback Credit Cards
To apply for the Emirates Islamic credit cards, individuals need to fulfil the eligibility requirements as per their preferred card. Below are the general criteria for applicants.
Applicant should be 21 years old or above.
He/She must satisfy the minimum salary requirements.
He/She should produce original and copy of required documents during application.
Documents Required for Emirates Islamic Bank Cashback Credit Cards
Individuals fulfilling the eligibility criteria can move forward with the collection and submission of required documents. Following is the list of documents required during the credit card application process.
A valid passport in original and its copy.
Emirates ID for the UAE residents and nationals.
Recent salary certificate.
Bank statements of last three months.
Income Statement (for self-employed individuals).
Note: The bank may ask you for additional documents for verification at its discretion.
How to Apply for the Emirates Islamic Cashback Credit Cards?
With the ease of digital application, Emirates Islamic Bank offers a quick and convenient credit card application process. You can use online and offline channels to apply at your convenience.
Online Mode - Using the online or mobile banking facility, individuals can choose their preferred credit card from anywhere. They need to fill in the personal details on the online application form for Credit Card and the bank will later contact them for the further application process.
Offline Mode - Individuals can also visit the local bank branch at their ease. They need to carry the required documents and fill the credit card application form as instructed by the bank’s representative.
Charges & Fees for Emirates Islamic Cashback Credit Cards
Following is the list of major charges on Emirates cashback credit cards
Annual Fee
Cashback Plus Card
AED 313.95
Cashback Card
AED 367.25
Expo Credit Card
No Annual Charges
RTA Credit Card
No Annual Charges
Other Fees and Charges
Retail Monthly Profit Rate
3.25%
Cash Advance Charges
Up to 3% of the withdrawn cash amount or AED 99
Processing Fee for Balance Transfer
Up to 3.5% of the transaction amount.
Cash Advance per transaction (Maximum)
AED 10,000 or 50% of the credit limit
Late Payment Charges
AED 225
Over Limit Fee
AED 249
How to Redeem Cashback on Emirates Islamic Credit Cards?
The EIB cashback cardholders can redeem cashback via the internet or mobile banking. Follow the given steps to redeem your cashback.
Log in to your Emirates Islamic Bank account via online or mobile banking
Go to the credit card section
Click on ‘Rewards’
Select cashback ‘Redemption’ and submit your request.
Important Terms and Conditions for Emirates Islamic Bank Cashback Credit Cards
Following are the important terms and conditions for redeeming your cashback on Emirates Islamic cashback credit cards.
The bank would consider only the non-governmental expenses for the cashback program. The condition applies to both domestic and international transactions.
EIB calculates cashback each month depending on your monthly expenses, and the rewards are valid for up to 2 years.
Cashbacks on Telecom and Electronic expenses has an upper limit of AED 100 for the cashback credit card.
Following transactions are not eligible for cashback
Cash advances
Balance transfers
Easy Payment Plans
Credit Card Cheques
Finance charges
All fees charged on the card by the bank
Transactions reversed by Merchants
The Cashback Plus credit cardholder needs to have a minimum monthly expenditure on the credit card to earn the cashback.
Individuals need to have a minimum of 300 cashback points for redeeming their cashback.
How can I redeem my cashback points on Emirates Islamic credit card?
The cardholders need to log in to their account using online or mobile banking. Then, they need to go to the ‘card’ section and select ‘redeem’. The cashback points, after redemption, can be used for offers and discounts across various outlets.
Do I need to accumulate minimum cashback points before I can redeem them?
Yes, for most of the Emirates Islamic Cashback credit cards, you need to accumulate at least 300 cashback points before you can redeem them.
Are the cashback rewards applicable to all EIB credit card expenses?
Yes, the cashback rewards apply to all credit card expenses including domestic and international transactions, except for government bills and payments.
Do I need to spend a minimum amount before I am eligible for the cashback program?
If you are an Emirates Islamic Cashback Plus credit cardholder, you need to have a minimum monthly spending of AED 3,000 to earn the cashback. For the rest of the cards, you don’t need to spend a minimum amount to earn cashback.
Atul has had a flair for writing ever since he started writing essays in school, which inspired him to subsequently opt for a career in writing. He loves to write about places he's been to (the list is endless) and financial products that can help people make a real change in planning their finances better.
