Credit cards are an invaluable tool for managing finances during times of cash crunch. Over the years, they have become an essential part of our lives, thanks to their convenient usage and simple repayment options.
Credit card is perhaps the most favourite mode of payments for people in the UAE, both Emiratis and the expats alike. In fact, a report published in the Khaleej Times reveals that credit card spending in the UAE is likely to grow to around half of overall purchases made by the residents of the UAE, in the nest 4-5 years. Also, figures revealed by Euromonitor International clearly indicate that credit cards have become the go-to spending tool for the people in the UAE region. The report by Euromonitor International shows that credit card spending made by the UAE residents, including both Emarati or Emiratis and the expats, in 2017 was around Dh216.5 billion.
Given the fact, a large of number of UAE residents, which includes a fair share of local Emirati population, prefer using best credit cards for all their expenses, it’s no wonder why Emirates Islamic launched its special edition of card, specifically for the Emirati population. Coined as Emirates Islamic Emarati Credit Card, this special card promises a world of special privileges, exclusive discounts and unmatched rewards to the Emirati population in the UAE region.
Emirates Islamic Emarati Credit Card has been specially designed and thoughtfully conceptualized to meet the needs of the Emiratis in the UAE and perfectly compliment their lifestyle. Powered by the much acclaimed Emirates Islamic SmartMiles, Emirates Islamic Emarati Credit Card allows card members to instantly earn and redeem rewards for every dirham spent on the card. Over the years of its inception, this card has become a huge hit in the region amongst the local Emirati population.
Launched in November 2017, Emirates Islamic Emarati Credit Card was designed and conceptualized by UAE’s leading financial institution- Emirates Islamic to compliment the lifestyle of the local Emirati population and to help them earn maximum value for their money. The card provides its users with a wide array of special privileges, exclusive discounts and unmatched benefits associated with dining, travelling, and lifestyle.
Over the years of its launch, Emirates Islamic Emarati Credit Card has found fair share of suitors, admirers and fans in the UAE region. In fact, owing to its immense popularity and the unmatched benefits, Emirates Islamic Emarati Credit Card was conferred with the title of the 'Best Islamic Card' at the 2018 Banker Middle East Product Awards.
Powered by EI SmartMiles and no annual fee, Emirates Islamic Emarati Credit Card makes it easy for the users to instantly earn and redeem rewards for every dirham spent on the card. In addition, the card also comes packed with an exclusive 10% cashback on dining worldwide. Furthermore, the card is also linked with the Mazaya Offers platform that helps the local Emirati people maximize the value for their hard-earned money. With its exclusivity, special discounts and cashback rewards, it’s hardly a wonder why Emiratis love this credit card and often make a beeline to apply for it.
Exclusively designed for the UAE nationals, the Emirates Islamic Emarati Credit Card comes loaded with a wide range of innovative features. These features go a long way in ensuring maximum value for money for the users. In fact, owing to its award-wining features, this card consistently ranks alongside some of the best credit cards in the entire Middle East. Here is a list of just some of the many helpful and innovative features of the Emirates Islamic Emarati Credit Card.
Emirates Islamic Emarati Credit Card is an elite credit card available only to the UAE nationals. This card is loaded with an extensive range of benefits to ensure that the users always get a handful of rewards whenever they choose to spend on the card. With multiple benefits and rewards, this amazing card ensures huge savings and maximum value for money for the users. Here is a list of some benefits of the Emirates Islamic Emarati Credit Card.
Listed below are the eligibility criteria for Emirates Islamic Emarati Credit Card-
Exclusive privileges, zero annual membership fee, unmatched benefits and instant rewards redemption, Emiratis have absolutely reasons galore at their disposal to get Emirates Islamic Emarati Credit Card. Here is a list of top 5 reasons why Emirates Islamic Emarati Credit Card is a must-have for UAE nationals.
|Particulars||Fee & Charges|
|Annual Membership Fee||Zero|
|Cash Advance Fee||3% of cash advance amount or AED 99 whichever is higher (This will be revised to 3% of cash advance amount or AED 149 whichever is higher effective April 01, 2019)|
|Maximum cash advance per transaction||10,000 or 50% of the card limit whichever is lower|
|Over limit fee||AED 249 (This will be revised to 279 effective April 01, 2019)|
|Late payment fee||AED 225|
|Card replacement fee||Free (This will be revised to 50 effective April 01, 2019)|
|Copy of sale voucher||AED 50|
|Overseas transaction in UAE Dirhams||1.99%|
|Minimum Payment Due||5% of statement balance PLUS any overdue amount, or AED 100, whichever is higher|
|No Liability Certificate||AED 50|
|Liability Letter||AED 50|
|Paper statement fee||10 (No Charge for Priority customers)|
|Cheque & Direct Debit Return||AED 100|
1. EI SmartMiles - EI SmartMiles is the rewards programme offered by Emirates Islamic Emarati Credit Card. EI SmartMiles is one of the most popular and sought after credit card rewards programme in the entire Middle East region owing to its instant reward earning and redemption features.
2. EI SmartMiles - allows card members to instantly earn 3.75 EI SmartMiles per 1AED for international spends and 2.5 EI SmartMiles per 1AED for domestic spends. These EI SmartMiles can be instantly redeemed for a wide range of travel, lifestyle and shopping benefits.Card members can redeem their miles in exchange to book free air tickets, secure free hotel stays, exchange miles with Eithad Guest and JetPrivilege, and to get gift cards for shopping from any website or retail outlet in the world. Card members can redeem their EI SmartMiles to book free air tickets with more than 300 airlines across the world and book hotel stays at more than 180000 properties worldwide.
3. Mazaya Rewards - In addition to being powered by EI SmartMiles, Emirates Islamic Emarati Credit Card is also linked to the popular Mazaya Offers platform. Mazaya Offers Platform ensures unmatched discounts and special deals for card members across more than 2000 restaurants and partner shopping outlets in the UAE. Mazaya Offers allows Emirates Islamic Emarati Credit Card to avail up to 30% dining discount at restaurants across the UAE region.
With Emirates Islamic Emarati Credit Card, spending is nothing less than an exciting affair for the UAE nationals. Emirates Islamic Emarati Credit Card get to earn EI SmartMiles for every Dirham spent on their card on shopping, dining, travelling or even paying their utility bills. In addition to earning EI SmartMiles domestically within the UAE, card members also get to earn EI SmartMiles when they spend on their card internationally.
Listed below is the earning rate for Emirates Islamic Emarati Credit Card:
|Category of Spend||SmartMiles|
|Joining bonus||25,000 EI SmartMiles worth AED|
|International spend||3.75 EI SmartMiles per 1AED|
|Domestic spend||2.5 EI SmartMiles per 1AED|
|Dining||10 EI SmartMiles per 1AED|
Please Note- There is a monthly cap of 30,000 EI SmartMiles for dining.
As soon as Emirates Islamic Emarati Credit Card users finish these easy steps, they can start redeeming their EI SmartMiles via the dedicated mobile app instantly.
Illustrated below are the steps for EI SmartMiles Exchange with Etihad Guest and JetPrivilege-
Typically, it takes 5 working days to complete the Miles Exchange process.
In order to apply for Emirates Islamic Emarati Credit Card, applicants need to have the below mentioned documents available with them-
Filling out the application for Emirates Islamic Emarati Credit Card is easy and doesn’t really have to be a cumbersome process for the UAE nationals. Remember, before issuing the card, Emirates Islamic would want to get acquainted with the personal and financial of the applicants in order to decide whether an applicant is eligible for the Emarati Credit Card or not.
The most important point to remember when applying for Emirates Islamic Emarati Credit Card is that the card is available only for Emiratis or UAE nationals and not expats or people from other nationalities. Here’s a list of just some of the many details that applicants typically need to fill in the Emirates Islamic Emarati Credit Card application form-
Please keep in mind that application requirement may differ from what’s provided above.
Here are a few things that applicants must keep in mind when filling up the application for Emirates Islamic Emarati Credit Card-
|All Emirates Islamic Credit Cards to Apply|
|Emirates Islamic Cashback Credit Card||Emirates Islamic Cashback Plus Credit Card|
|Emirates Islamic Skywards Signature Credit Card|
|Emirates Islamic RTA Platinum Credit Card||Emirates Islamic Flex Credit Card|
|Emirates Islamic Etihad Guest Ameera Credit Card|
|Emirates Islamic Etihad Guest Saqer Credit Card||Emirates Islamic Skywards Infinite Credit Card|
Q1: Is there an annual fee for Emirates Islamic Emarati Credit Card?
Ans: No! This card is free for life for UAE nationals.
Q2: How to check EI SmartMiles collected?
Ans: Card members can check their accumulated EI SmartMiles by logging into the EI SmartMiles portal. In order to do so, card members need to register on the portal by-
1- Visiting www.eismartmiles.ae and clicking on 'Activate’ button. Then they need to enter their loyalty account number, Date of Birth and Full Name.
Step 2- Card members are then promoted to set up a login id and password.
Once done, card members can login to their EI SmartMiles account and check the collected EI SmartMiles.
Q3: What is Instant Purchase and how does it work?
Ans: Instant Purchase is a revolutionary feature that allows instant redemption of EI SmartMiles. It helps card members redeem their EI SmartMiles from any online site or outlet across the globe. In order to do so, card members must activate the ‘Instant Purchase’ feature and pay for the items of their choice via their Emirates Islamic Emarati Credit Card. Upon completion of 5 days from the date of purchase, quantity of EI SmartMiles, equivalent to the total amount of purchased item, is deducted from the account and a statement credit is posted in the Credit Card account.
Q4: Does Emirates Islamic Emarati Credit Card allow cash withdrawals?
Ans: Yes! Card members can withdraw cash from one of the 780,000 ATMs worldwide or one of the many Emirates Islamic branches in lieu of a nominal fee.
Q5: Do card members get supplementary card with this card?
Ans: Interested Emirates Islamic Emarati Credit Card members can get up to 4 supplementary cards for their family members. These supplementary cards also earn the same benefits and discounts as the primary card.
Q6: Is the card Shari'a compliant?
Ans: The Emirates Islamic Emarati Credit Card is fully Shari'a compliant. No interest is charged to the card members. There is a nominal fixed monthly fee charged on the card members for the different features and benefits provided by the card.
Q7: How to make payment for Emirates Islamic Emarati Credit Card?
Ans: Here’s a list of ways by which card members can payments for their Emirates Islamic Emarati Credit Card-