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Emirates Islamic Credit Cards in UAE

Emirates Islamic Bank is a leading provider of credit cards in the Middle East. The bank offers a large collection of credit cards to suit a variety of financial requirements and lifestyles. With Emirates Islamic Bank credit cards, various benefits can be enjoyed such as competitive interest rates, cashback rewards, travel benefits, and exclusive discounts.Notably, Emirates Islamic Bank offers credit cards at competitive fees and charges, which, makes them a great choice for those looking for competitive rates and excellent rewards.read more

Emirates Islamic Credit Card in UAE
Emirates Islamic Credit Card
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Established in 2004, Emirates Islamic Bank has evolved as a pioneer in providing Islamic banking solutions. It uses Islamic financial tools like Murabaha, Takaful, and Ijarah, to provide great banking products like credit cards, finance, bank accounts, and more.

One of the most sought-after products offered by the bank is the Emirates Islamic credit card. The bank offers 13 distinctive and reward-loaded credit cards in UAE. This article sheds light on the features and benefits of these credit cards, their eligibility criteria, documents required for the application process, and more. 

Best Emirates Islamic Credit Cards in UAE

To start with, let’s have a quick look at the major Emirates Islamic credit cards in the UAE in the table below -

Credit Card Name Minimum Income Required Fees
Emirates Islamic RTA Card AED 5,000 Free for Life
Emirates Islamic Flex Elite Credit Card AED 15,000 AED 700
Emirates Islamic Cashback Plus Credit Card AED 12,000 AED 299
Emirates Islamic Skywards Signature Credit Card AED 12,000 AED 735
Emirates Islamic Skywards Infinite Credit Card AED 25,000 AED 2,100
Emirates Islamic Skywards Black Credit Card AED 50,000 AED 4,200
Emirates Islamic Cashback Credit Card AED 5,000 AED 350
Emirates Islamic Etihad Guest Platinum Credit Card AED 5,000 AED 199
Emirates Islamic Emarati Credit Card AED 12,000 Free for Life
Emirates Islamic Etihad Guest Premium Credit Card AED 15,000 AED 1,500
Emirates Islamic Flex Platinum Credit Card AED 5,000 Free for Life
Emirates Islamic Etihad Guest Saqer Credit Card AED 10,000 AED 899
Emirates Islamic Etihad Guest Ameera Credit Card AED 10,000 AED 699
Emirates Islamic Flex Credit Card AED 25,000 AED 700

1. Emirates Islamic RTA Card

Features and Benefits of Emirates Islamic RTA Credit Card

  • Minimum salary required - AED 5,000
  • Auto top-up for Salik and NoL accounts
  • Benefits of both NoL and credit card in one card
  • Exclusive Offers -
    • 10% cashback on payments for RTA transport (up to AED 100 every month)
    • 10% cashback on spending on fuel  (up to AED 100 per month)
    • 2.25% cashback on international expenses
    • 1.25% cashback on other shopping and expenditure
    • Up to 25% cashback on over 1,500 brands at CashbackSouk.ae
    • Movie Discounts
    • Hotel Discounts - credit of up to USD 25 on food and beverage at more than 900 international hotels 
  • No blackout dates to redeem the cashback
  • Access to ‘purchase protection’ for lost, damaged, or stolen products
  • Option to use the cashback amount to repay the outstanding balance
  • Extended Warranty on any item purchased using the RTA card
  • Option of converting big transactions into small monthly instalments 
  • Access to regular class and fare deduction from the NoL Tag ID
  • Shop securely with the in-built 3D secure feature
  • Up to 4 complimentary supplementary cards available
read more

2. Emirates Islamic Flex Elite Credit Card

Features and Benefits for Flex Elite Credit Card

  • Minimum income required - AED 15,000
  • Access to up to 4 free supplementary cards
  • Free travel insurance for up to USD 500,000
  • Free, round-the-clock  access to international concierge 
  • Credit of up to USD 25 on foods and beverages at more than 900 international hotels
  • Facility to transfer other credit card balances to Emirates Islamic to reduce the monthly payments
  • Provision to convert major transactions into easy monthly instalments for up to 12 months
  • Up to 25% cash back on more than 1,500 brands at CashbackSouk.ae
  • Unlimited free access to golf courses throughout the week
  • Up to 3 free “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Free access to airport lounge at more than 1,000 international airports for a card member and 1 guest
  • 2 free, monthly valet parking services across the UAE
  • EI SmartMiles
  • Free access to Dubai Ladies Club and Sharjah Ladies Club
read more

3. Emirates Islamic Cashback Plus Credit Card

Features and Benefits for Emirates Islamic Cashback Plus Credit Card

  • Get up to 4 free supplementary cards
  • Free travel insurance for up to USD 500,000
  • Free, round-the-clock  access to international concierge 
  • Credit of up to USD 25 on foods and beverages at more than 900 international hotels
  • Facility to transfer other credit card balances to Emirates Islamic to reduce the monthly payments
  • Provision to convert major transactions into easy monthly instalments for up to 12 months
  • Up to 25% cash back on more than 1,500 brands at CashbackSouk.ae
  • Auto top-up facility for Salik and NoL accounts
  • Access to Gold class cabin in Dubai metro
  • Access to lounges of over 1,000 international airports
  • 2 rounds of free golf every month
  • Complimentary access to Sharjah Ladies Club and Dubai Ladies Club
read more

4. Emirates Islamic Skywards Signature Credit Card

Features and Benefits for Emirates Islamic Skywards Signature Credit Card

  • Minimum income required - AED 12,000
  • Easy payment plans - convert major transactions into convenient monthly instalments of 3, 9, 6, 12, and 24 months
  • Balance transfer facility with 0% profit rate
  • Purchase protection and extended warranty facilities
  • Complimentary supplementary cards loaded with privileges and benefits of the Signature credit card
  • Complimentary access to Dubai and Sharjah Ladies Clubs’ amenities
  • 15% discount on Emaar Entertainment Attractions
  • Availability of Airport Meet and Greet Service - Meet and Greet Bronze Service and 2 complimentary Marhaba Meet and Greet Facilities annually
  • Multi-trip travel insurance 
  • Medical and legal referrals
  • Hotel discounts and exclusive privileges
  • Complimentary access to select golf courses at any time of the week
  • Access to free valet parking service
  • Complimentary movie tickets for Reel Cinema per month
  • Free access to more than 1,000 international airport lounges 
  • Avail of up to 100,000 bonus Skywards Miles (offer valid till February 28th, 2023)
  • Chance to earn up to 1.5 Skywards Miles on every international spend (in USD)
  • Earn double Skywards Miles for each transaction done at Emirates airlines
read more

5. Emirates Islamic Skywards Infinite Credit Card

Features and Benefits for Skywards Infinite Credit Card

  • Minimum salary required - AED 25,000
  • Earn up to 100,000 bonus Skywards Miles (offer valid till February 28th, 2023)
  • Earn up to 2 Skywards Miles on every USD spent
  • Unlimited free access to over 1,000 international airport lounges
  • Free access to golf courses on any day of the week
  • Free access to the amenities at Dubai Ladies Club and Sharjah Ladies Club
  • Access 2 free valet parking facilities every month
  • Automatic promotion to Emirates Skywards Silver Membership
  • Earn up to 75,000 Skywards Miles as welcome bonus
  • Free access to up to 3 “Buy 1 Get 1” Reel Cinemas Movie Tickets per month
  • Complimentary multi-trip travel insurance
  • 0% profit rate payment plans and balance transfer facility
  • Up to 2 free Marhaba airport meet and greet facilities every year after a retail spend of at least AED 5,000
  • Access to distinctive Visa Infinite offers
  • Entertainer benefits on entertainment zones like Emaar Entertainment Attractions, Stay and Dig, KidZania (Abu Shabi and Dubai), Ekart, VR Park - Pay and Play, The Dubai Fountain Boardwalk, and Ice Rink
  • 24-hour global assistance
  • Purchase protection and extended warranty facilities
  • Access to global concierge
read more

6. Emirates Islamic Skywards Black Credit Card

Features and Benefits for Emirates Islamic Skywards Black Credit Card

  • Minimum monthly income required - AED 50,000
  • Earn up to 3.5 Skywards Miles on spending at Emirates Airline, up to 2 Skywards Miles on every international spend (non-AED denomination), and up to 1.5 Skywards Miles on every domestic spend
  • 25% off on Skywards Gift Miles and Skywards Buy Miles
  • Avail of free valet parking services (up to 3 times) at select locations across the UAE per month
  • Free access to more than 1,000 international airport lounges with 1 guest
  • Upgrade to Emirates Skywards Gold Tier Membership
  • Automatic promotion to Emirates Skywards Silver Membership
  • Free access to the amenities at Dubai Ladies Club and Sharjah Ladies Club
  • Earn up to 100,000 bonus Skywards Miles (an offer valid till February 28th, 2023)
  • Free access to up to 4 “Buy 1 Get 1” Reel Cinemas Movie Tickets per month
  • Unlimited complimentary access to golf rounds at any time of the week
  • Complimentary multi-trip travel insurance -
    • Accidental benefits of up to USD 1 million (international) and up to USD 100,000 (domestic)
    • Travel discounts and benefits 
      • Coverage for baggage delay for up to USD 500
      • Loss of belongings - up to USD 2,500
      • Coverage for the cardholder, partner, and up to 5 children 
  • 0% profit rate on payment plans and balance transfers
  • 2 complimentary airport meet and greet
  • Exclusive access to Visa Infinite deals
  • 24/7 global customer assistance
  • Purchase protection and extended warranty facility 
  • Access to global concierge services
read more

7. Emirates Islamic Cashback Credit Card

Features and Benefits of Emirates Islamic Cashback Credit Card

  • Minimum monthly salary required - AED 5,000
  • No minimum spend limit to earn cashback
  • No last dates to redeem the cashback rewards
  • Option to use the cashback to pay the outstanding balance
  • Purchase protection facility for lost, stolen, or damaged products
  • Extended warranty benefit
  • Up to 2 free ‘Buy 1 Get 1’ movie tickets at Reel Cinema every month
  • Avail of up to 4 free supplementary cards
  • Credit of up to USD 25 on food and beverages at more than 900 international hotels 
  • Up to 25% cash back on over 1,500 brands at CashbackSouk.ae
  • Access to easy payment plans
  • Balance transfer facility
  • Secure online shopping experience with 2D secure feature
  • 5% cashback on Etisalat and Du spends (up to AED 100 per month)
  • 5% cashback on purchasing from electronic stores (up to AED 100 per month)
  • Up to 1% cashback on every other spend
read more

8. Emirates Islamic Etihad Guest Platinum Credit Card

Features and Benefits of Emirates Islamic Etihad Guest Platinum Credit Card

  • Monthly income required - AED 5,000 or more
  • Up to 10% miles back on unlimited flight redemptions and upgrades
  • Get up to 4 free supplementary cards
  • Attractive discounts on dining, hotels, shopping, and travel
  • Up to 50% cashback on movie tickets
  • 2 free inflight WiFi vouchers for every membership year
  • 0% profit rate on easy payment plans on Etihad Purchases
  • Purchase protection on lost, damaged, or stolen goods
  • Benefit like extended warranty
  • Credit of up to USD 25 on food or beverage at more than 900 international hotels
  • Up to 25% cashback on more than 1,500 brands on CashbackSouk.ae
  • Earn up to 2 Miles for spending USD 1 on Etihad Airways, up to 1.5 Miles on every USD spent on an international purchase, up to 2 Miles on USD 1 spent from mobile wallets or on online purchases, and up to 1 Mile on every USD 1 spent on domestic retail transactions
read more

9. Emirates Islamic Emarati Credit Card

Features and Benefits of Emirates Islamic Emarati Credit Card

  • Monthly salary required - at least AED 12,000
  • Specially designed for UAE nationals
  • Free access to more than 1,000 international airport lounges
  • Up to 2 “Buy 1 Get 1” offers on Reel Cinema movie tickets
  • Earn EI SmartMiles and exchange them with U by Emaar, Emirates Skywards, Intermiles, and Etisalat Smiles Points
  • Redeem SmartMiles at 300 hotels, 180,000 hotels, or for gift vouchers
  • Get up to 4 free supplementary cards
  • A free travel insurance coverage of up to USD 500,000
  • Credit of up to USD 25 on food or beverage at across more than 900 international hotels
  • Up to 25% cashback on more than 1,500 brands on CashbackSouk.ae
  • Complimentary access to Sharjah Ladies Club and Dubai Ladies Club
  • Provision to convert large transactions into easy monthly instalments
  • Access to 24/7 global concierge
read more

10. Emirates Islamic Etihad Guest Premium Credit Card

Features and Benefits of Etihad Guest Premium Credit Card

  • Minimum monthly income requirement - AED 15,000
  • Upgrade to Etihad Guest Gold Tier system
  • Up to 50% miles back on unlimited flight redemptions and upgrades
  • Up to 50% cashback on Reel Cinema movie tickets
  • 4 free inflight WiFi vouchers for every membership year
  • Earn up to 3.5 Miles for spending USD 1 on Etihad Airways, up to 3 Miles on every USD spent on an international purchase, up to 2.5 Miles on USD 1 spent on any two chosen categories of spend, and up to 2 Miles on every USD 1 spent on domestic retail transactions
  • Free airport transfer facility to and from Abu Dhabi airport
  • 0% easy payment plan on all the Etihad purchases for up to 6 months 
  • Unlimited access to golf rounds at any time of the week
  • 2 complimentary valet parking services at select locations across the UAE per month
  • Complimentary access to Sharjah Ladies Club and Dubai Ladies Club
  • Free travel insurance coverage of up to USD 500,000
  • Credit of up to USD 25 on food or beverage at 900+ international hotels
  • Up to 25% cashback on more than 1,500 brands on CashbackSouk.ae
  • Access to 24/7 global concierge services
read more

11. Emirates Islamic Flex Platinum Credit Card

Features and Benefits of Flex Platinum Credit Card

  • Monthly salary required - AED 5,000 or more
  • Up to 2 free “Buy 1 Get 1” offers on Reel Cinema movie tickets
  • Earn up to 2.25 EI SmartMiles for every AED 1 spent on international purchases and up to 1.25 EI SmartMiles for every AED 1 spent on domestic expenses
  • Easy redemption and miles conversion options
  • Purchase protection on stolen, lowest, or damaged products
  • Availability of extended warranty benefit
  • Get up to 4 free supplementary cards
  • Up to USD 25 credit on foods and beverages at over 900 international hotels
  • Balance transfer facility
  • Option to convert major transactions into small monthly instalments through the easy payment plan
  • Cashback of up to 25% on shopping from more than 1,500 brands at CashbackSouk.ae
read more

12. Emirates Islamic Etihad Guest Saqer Credit Card

Features and Benefits of Emirates Islamic Etihad Guest Saqer Credit Card

  • Minimum monthly income - AED 10,000
  • Quick upgrade to Etihad Guest Silver Tier status
  • Earn up to 3 Miles for spending USD 1 on Etihad Airways, up to 2 Miles on every USD spent on an international purchase, up to 2.5 Miles on USD 1 spent on any two selected categories of spend, and up to 1.5 Miles on every USD 1 spent on domestic retail transactions
  • Up to 20% miles back on unlimited flight redemptions and upgrades
  • Free airport transfer facility to and from Abu Dhabi airport
  • 50% cashback on movie tickets
  • 2 free inflight WiFi vouchers for every membership year
  • 2 complimentary golf rounds per month
  • 1 complimentary valet parking service every month at select locations across the UAE
  • 0% easy payment plans for up to 6 months
  • Free access to the amenities at Dubai Ladies Club and Sharjah Ladies Club
  • Up to 4 complimentary supplementary cards
  • Free travel insurance coverage of up to USD 500,000
  • Credit of up to USD 25 on food or beverage at more than 900 international hotels
  • Up to 25% cashback on more than 1,500 brands on CashbackSouk.ae
  • Access to 24/7 global concierge services
read more

13. Emirates Islamic Etihad Guest Ameera Credit Card

Features and Benefits Emirates Islamic Etihad Guest Ameera Credit Card

  • Minimum monthly income - AED 10,000
  • Easy upgrade to Etihad Guest Silver Tier status
  • Earn up to 3 Miles for spending USD 1 on Etihad Airways, up to 2 Miles on every USD spent on an international purchase, up to 2.5 Miles on USD 1 spent on choosing any two categories of spend, and up to 1.5 Miles on every USD 1 spent on domestic retail transactions
  • Up to 20% miles back on unlimited flight redemptions and upgrades
  • Free airport transfer facility to and from Abu Dhabi airport
  • 50% cashback on movie tickets
  • 2 free inflight WiFi vouchers for every membership year
  • 2 complimentary golf rounds per month
  • 1 complimentary valet parking service every month at the selected locations across the UAE
  • 0% easy payment plans for up to 6 months
  • Free access to the amenities at Dubai Ladies Club and Sharjah Ladies Club
  • Up to 4 complimentary supplementary cards
  • A free travel insurance coverage of up to USD 500,000
  • Credit of up to USD 25 on food or beverage at more than 900 international hotels
  • Up to 25% cashback on more than 1,500 brands on CashbackSouk.ae
  • Access to 24/7 global concierge services
read more

Eligibility Criteria to Apply for Emirates Islamic Credit Cards in UAE

Here are the eligibility criteria that you must fulfil to apply for an Emirates Islamic credit card -

  • Nationality - UAE resident
  • You should meet the minimum monthly salary requirement for your preferred card 
  • Employment Type - Salaried or Self-employed
  • You should have a regular income source
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Documents Required to Apply for Emirates Islamic Credit Cards 

Given below is the list of documents that you need to provide to apply for an Emirates Islamic credit card -

  • Emirates ID (original and a photocopy) 
  • Original and a photocopy of verified passport with residence visa
  • Trade licence (for self-employed individuals)
  • Recent bank statements of at least 3 months
  • Appointment letter or letter of salary transfer
  • Utility bills or tenancy agreement as address proof
  • Salary slips (for salaried individuals)

How to Apply for Emirates Islamic Credit Cards in the UAE?

You can easily apply for Emirates Islamic credit cards on Policybazaar.ae. This online portal hosts a plethora of banking solutions from Emirates Islamic Bank and other leading financial institutions in the UAE. 

You can compare all the options for Emirates Islamic credit cards and select an alternative that meets your requirements. When you apply for a credit card from Policybazaar.ae, you can enjoy -

  • 24/7 customer care service
  • Assistance from the industry experts
  • Access to the top best credit cards in UAE in one place
  • Discounts and offers on credit card purchases 
  • Platform to explore and compare credit cards 

For more information about Emirates Islamic credit cards, let’s go through the following FAQ section.

Latest Emirates Islamic Credit Card Offers

FAQ's on Emirates Islamic Credit Cards

Can you increase your credit limit for your card?

You can certainly place a request with the bank to increase the credit limit of your card. For this, you can connect with the bank’s customer care at (+971) 600 599995 or fill in the online inquiry form.

Up to how many supplementary cards can you avail of with your Emirates Islamic credit card?

You can get up to 4 supplementary cards for free with your Emirates Islamic credit card.

Can you cancel your Emirates Islamic credit Card?

You can cancel your credit card by making a request with the bank for the same. Once you clear all the dues, the card will be closed. Make sure that you also request a no-liability letter from the bank while cancelling your card.

What is the minimum monthly salary requirement to apply for a credit card?

To apply for a credit card, you must have a salary of at least AED 5,000.

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