Emirates Islamic Emarati Credit Card Features & Benefits

By PolicyBazaar
  | Published: 18 October 2019 | Last Updated On: 13 January 2021
Average Rating / 5 (ratings ) | 433 Views

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The Emirates Islamic Emarati Credit Card is perfectly packaged for the life of a UAE national. It has been carefully designed to cater to an assortment of travel and lifestyle benefits. This is a type of a credit card that has something in line for you always.  The Emarati Credit Card has been awarded the ‘ Best Islamic Card’ in 2018. It is driven by the Emirates Islamic Smart Miles, which can be redeemed for a variety of purposes.

Highlights of the Card

  • Free for life
  • Mobile app for rewards redemption
  • Contactless Payments
  • High earning rate for miles

Emirates Islamic Emarati Credit Card Features

The key features of an Emarati Card are:

El Smart Miles Rewards

El Smart Miles offers rewards redemption options such as flights, hotels, miles, and gift vouchers from various providers. They also give the option of earning unlimited miles and redeeming them with no blackout dates.

You are entitled to up to 2.5 miles per 1 AED spent domestically, and up to 3.5 miles per 1 AED spent internationally.

Preferential Pricing

The Emirates Islamic Emarati Credit Card offers you a wide variety of endless rewards and privileges. Additionally, no annual fee is charged. It also offers a low-profit rate starting at 2.49% only.

Contactless Payments

The Emarati Card aims at providing convenience to its members. You can make easy payments on the go from anywhere in the world with the help of Apple or Samsung Pay, and even Visa Paywave. This enables you to make quick, easy and secure payments.  

Balance Transfers

You can now manage all your outstanding amounts in one card. You can transfer the outstanding amount you owe to other banks in your Emirates Islamic Emarati Credit Card.

Cash on Call and Cash Advance

In case of any immediate cash need, Emarati Cardholders have two solutions: cash on call and cash advance.  With cash on call, you can contact the helpline and get cash with the available credit card limit immediately in your account. With a cash advance, you can easily use the ATM for accessing cash up to 50% of your card limit (up to AED 10,000)

Emirates Islamic Emarati Credit Card Benefits

The exclusive benefits and privileges offered to the Emarati cardholders are:

Supplementary Cards

Your dear ones can share the benefits and privileges of this Emirates Islamic Credit Card by becoming a supplementary cardholder. You can avail up to 4 supplementary cards for your family.

Complimentary Access to Airport Lounges

With the Emirates Islamic Emarati Credit Card, you can have a comfortable pre-flight experience by having access to over 900 lounges in airports worldwide.

Luxury Hotel Benefits

You can enjoy the experience of world-famous hotels and resorts with your Emarati Card. The privileges a cardmember enjoys are the best-guaranteed rates, late check-out, free wifi in the room, room up-gradation, guest status of a VIP and USD 25 food and beverages voucher.

Easy Payment Plans

You can convert your big purchases at partner stores into convenient small monthly payments spread over a period ranging between 3-12 months. Carrefour and Sharaf DG are examples of partner outlets.

Purchase Protection & Extended Warranty

The Emirates Islamic Emarati Credit Card aims at making your purchase worth the buy. Under extended warranty, the product’s original warranty is double. With the purchase protection, you are covered against theft or damage of your purchase made with the Emarati card.

Multi-trip Travel Insurance

The Emirates Islamic Emarati Credit Card covers you for travel accidents and travels inconvenience insurance automatically as soon as you pay for your travel with the card. This saves you the time and expense of arranging medical and travel insurance.

Global Concierge

The cardmember can access the concierge for a variety of services such as flights, hotels and restaurant bookings. You can use these services at any time of the day, via a phone call or online from any place across the world.

Over to You!

If you are looking for a card packed with the greatest deals in your daily life along with a touch of travel benefits, then the Emirates Islamic Emarati Credit Card is the pick for you. Travel, shop or dine, the Emarati card gives you an edge on every spend you make.