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
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 -
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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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