Emirates Islamic RTA Platinum Credit Card

Emirates Islamic RTA Platinum Credit Card

Emirates Islamic RTA Platinum Credit CardGetting around within the UAE could prove to be a costly proposition, especially for the expats. In fact, a report by Expatistan reveals that the average cost for public transport in the UAE is somewhere around AED 229 per month. Quite naturally, more and more people in the UAE look for and essentially demand credit cards that offer rewards and cashback on road transport within the UAE.

Given the fact that more and more UAE residents look for credit cards that offer RTA benefits, UAE’s leading financial institution, Emirates Islamic launched its Emirates Islamic RTA Platinum Credit Card. This amazing card comes packed with a wide range of benefits and rewards for daily commuters and travellers within the UAE.

Emirates Islamic RTA Platinum Credit Card comes with a built-in RTA NOL chip. Therefore, this ground-breaking card can be used both as a regular credit card to shop, dine and travel and a NOL Card for RTA’s Dubai Bus, Metro, Water Buses, Tram and mParking.

The card is loaded with a wide range of benefits and features for the users to help them get the maximum value for their RTA spends. The card offers unmatched 10% cash back for fuel and RTA expenses. With so much and more on offer, it’s hardly surprising why this card remains a popular choice amongst both UAE nationals and expats in the region.

About Emirates Islamic RTA Platinum Credit Card

Launched in January 2017, Emirates Islamic RTA Platinum Credit Card has long been one of the most preferred credit cards amongst the UAE residents and expats, alike. The card promises to provide complete peace of mind and maximum value for money for RTA expenses.

Both, UAE nationals and expats, cannot do away with the RTA expenses and given this fact Emirates Islamic decided to launch its Emirates Islamic RTA Platinum Credit Card to offer incomparable cash back offers, nonpareil benefits and utter convenience to the card holders.

With its rather strong line-up of ground-breaking features and unrivalled benefits, the card has earned hundreds and thousands of admirers, suitors and fans, over the years. Card members get easy access to cash back offers and easy RTA transport network payments.

Powered by the Emirates Islamic ground-breaking Points Programme, Emirates Islamic RTA Credit Card allows card members to earn rewards and cash back for every dirham they spend on the card. These reward points are calculated each month and can be used for multiple RTA and Emirates Islamic benefits. The Points Programme comes with a brilliant ‘The Points Multiplier’ feature. This feature allows card members to earn 5 times the Reward Points for each RTA and Salik Auto Top-up, in addition to the typical cash back and rewards on every retail transaction.

Features of Emirates Islamic RTA Platinum Credit Card

Over the years, UAE’s leading financial institution, Emirates Islamic has become a name to reckon with in the financial sector of the region. The company has earned multiple accolades and honours for conceptualizing and offering ground-breaking credit card products that perfectly compliment all aspects of life. Emirates Islamic RTA Platinum Credit Card is a brilliant product that makes it easy for card users to earn rewards and cash back for their RTA expenses. This card is known to offer a wide range of innovative features to help card users make the maximum value for their money. Here’s a list of some of the most notable features of the Emirates Islamic RTA Platinum Credit Card-

  • Nol Chip
  • Nol Top Up
  • Salik Auto Top Up
  • Monthly Pass Product
  • Credit Shield
  • Easy Payment Options
  • Purchase Protection
  • Extended Warranty
  • Emergency Medical and Legal Referral
  • Emergency Cash and Card Replacement
  • Fully Shari'a compliant

Benefits of Emirates Islamic RTA Platinum Credit Card

Since a large number of people in the UAE, both expats and Emiratis, depend on RTA transport facility for commuting within the region, there is a decided demand for credit card products that offer amazing benefits and rewards for RTA expenses. And Emirates Islamic RTA Platinum Credit Card is perhaps one of the best credit cards that offer multiple and instantly redeemable benefits on both retail and RTA expenses. Check out some of the many benefits of Emirates Islamic RTA Platinum Credit Card-

  • 10% cash back on fuel spends
  • 10% cash back on RTA transport payments
  • 25% cash back on international spends
  • 25% cash back on all other spends
  • 5% cashback on spends made under "Government Services" category
  • Instant cash back redemption
  • Fare payments for RTA Metro
  • Fare payments at RTA Parking Meters
  • Cabin access for RTA Metro
  • Fare payments for RTA Bus
  • Fare payments for RTA Water Bus
  • Exclusive Mazaya discounts
  • Exclusive VISA discounts
  • Free for life

Eligibility

Listed below are the eligibility criteria for Emirates Islamic RTA Platinum Credit Card-

  • Income Eligibility- AED 5,000 and above (Minimum monthly income)
  • Residential Eligibility -UAE residents with valid UAE residence Visa
  • Verification Eligibility - Age/Id Proofs

Top Reasons to Get Emirates Islamic RTA Platinum Credit Card

Zero annual fees, exclusive cash back offers, instant rewards redemption, the list of why Emirates Islamic RTA Platinum Credit Card makes for the best bet for both UAE nationals and expats is absolutely endless. In addition, Emirates Islamic RTA Platinum Credit Card has something on offer for all sorts of spenders, from occasional shoppers to commuters. Here is a list of top 5 reasons for buying exclusive Emirates Islamic RTA Platinum Credit Card. 

  1. Zero Annual Fees - There are multiple reasons that make Emirates Islamic RTA Platinum Credit Card, but the one reason that makes this card a hot favourite amongst both UAE nationals and expats alike is the fact that this amazing card comes with a zero annual membership fee. This means card users can take advantage of all the brilliant features of the card without having to worry about paying a dime as the annual membership for lifetime.
  2. RTA Benefits - Yet another astonishing reason to get Emirates Islamic RTA Platinum Credit Card is the staggering line-up of brilliant RTA benefits that make it possible for commuters to make the most for their money spent on RTA expenses. This brilliant card doubles up as the RTA Nol Card ensuring utmost convenience for the card members. The card provides easy top-up options to help card members recharge their Nol Chip. In addition, the card also provides convenient options for Salik Auto top up. In addition, card members get to earn 10% cash back for RTA expenses and fuel expenses.
  3. Additional Privileges - In addition to the amazing RTA benefits, Emirates Islamic RTA Platinum Credit Card also offers an extensive range of additional privileges to offer utter convenience and peace of mind to the card members. For every 1 AED spent on international transactions, card members get to earn 2.25% cash back and for every 1 AED spent on domestic spends, card members get to earn 1.25% cash back. In addition to all this, card members also enjoy the ever-so-popular Mazaya offers where they get to enjoy up to 30% discount on dining at 2000+ restaurants and partner shopping network across the UAE.
  4. Purchase insurance & Extended Warranty - Emirates Islamic RTA Platinum Credit Card members can also enjoy complimentary, comprehensive purchase protection insurance that ensures complete peace of mind. If items purchased using the Emirates Islamic RTA Credit Card are stolen, destroyed or damaged due to accident or fire within 90 days from the day it was purchased, card members get coverage of US$5,000 per incident. In addition to the purchase protection insurance, card members also get to enjoy extended warranty on household appliances purchased using the card for up to 12 months beyond the manufacturer/retailer warranty.
  5. Emergency Medical and Legal Referral - Emirates Islamic RTA Platinum Credit Card members get to enjoy complimentary emergency medical and legal referral facility. This ground-breaking feature helps card members get easy access to telephone medical advice, medical service provider referral, monitoring medical condition pre and post hospitalization, essential medicine/equipment delivery, hospital admittance guarantee, and medical evacuation/repatriation, at anytime and anywhere in the world.

Emirates Islamic RTA Platinum Credit Card Offers (Updated in June 2018)

  • 10% cash back on fuel spends (No Promo Code Required)
  • 10% cash back on RTA transport payments (No Promo Code Required)
  • 25% cash back on international spends (No Promo Code Required)
  • 25% cash back on all other spends (No Promo Code Required)
  • 5% cashback on spends made under "Government Services" category (No Promo Code Required)
  • Up to 30% Mazaya Discount at restaurants (No Promo Code Required)
  • Exclusive Discounts at Mazaya partner retail outlets (No Promo Code Required)
  • Up to 20% off at Agoda.com (No Promo Code Required)

Fees and 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%

Forex Charges  

2.34%

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

E statement

Free

 

Emirates Islamic RTA Platinum Credit Card Rewards

  1. Cash Back Rewards - Emirates Islamic RTA Platinum Credit Card allows card members to earn cash back on every dirham they spend on the card. Emirates Islamic Cashback Credit Card offers 10% guaranteed cash back on RTA transport payments and fuel expenses. In addition, card members get to earn 2.25% cash back on international spends and 1.25% cash back on all other spends. Card members can get to earn maximum cash back up to AED 200 on fuel and RTA transport payments. There is no maximum cash back earning limits for international and domestic spends. These cash back rewards are calculated each month and are valid for a period of two years. Retail domestic spends, under category "Government Services", put on the card earn cash back of 0.5%.
  2. Mazaya Rewards - In addition to the cash back rewards, Emirates Islamic RTA Platinum Credit Card members also get earn awesome and exclusive discounts through the Mazaya Offers Platform. Emirates Islamic RTA Platinum Credit Card is linked to the ever-so-popular Mazaya Offers platform and ensures that its users get easy access to matchless benefits, lucrative discounts and exclusive privileges at 2000+ restaurants and retailers across the UAE region. Emirates Islamic RTA Platinum Credit Card members get to earn up to 30% off at restaurants and fabulous discount deals at shopping partners of Mazaya Platform across the UAE region.

How to Earn Rewards?

1. Cash Back Rewards - Emirates Islamic RTA Platinum Credit Card members can easily earn cash back rewards for every dirham they put on the card and these rewards can be instantly redeemed too. Here is a table that illustrates the quantity of cash back rewards Emirates Islamic RTA Platinum Credit Card members earn on different spend categories.

 

Category of Spend

Cash Back Reward %

Maximum Monthly Earning Limit

RTA Transport Payments

10%

AED 200

Fuel Expenses

10%

AED 200

International

2.25%

NA

Domestic

1.25%

NA

Government Services

0.50%

NA

 

It is important to remember that 1 cash back point is equal to 1 AED and the total cash back points accumulated on the account are added as statement credit in AED.

2. Mazaya Rewards - Mazaya rewards can easily be earned by simply putting the expenses of travel, shopping and dining deals available at Mazaya Offers Platform on the Emirates Islamic RTA Platinum Credit Card.

How to Redeem Your Points?

The cash back points earned on Emirates Islamic RTA Platinum Credit Card can be redeemed by calling Emirates’ support team at 600 599 995. It is important to remember that card members are required to accumulate at least 100 cash back points in order to redeem the points. Also, these cash back points are added as statement credit in AED and 1 cash back point is equal to 1 AED. These cashback points may be further be used to shop, dine or travel using the Emirates Islamic RTA Platinum Credit Card and card members can again earn cashback points on every spend on the card.

Additional Information / Documentation

Here is a list of documents that applicants may need to furnish in order to get Emirates Islamic RTA Platinum Credit Card-

  • Salary certificate/recent pay slips (Salaried individuals)
  • Passport copy
  • Resident visa
  • Emirates id
  • 3-6 months bank statement
  • Credit card copy
  • Recent credit card statement
  • Residence proof
  • Address Proof

How to Apply For Emirates Islamic RTA Platinum Credit Card?

Applying for Emirates Islamic RTA Platinum Credit Card may prove to be a rather a daunting and exhaustive task for credit card applicants, especially for first-time card applicants as they aren’t really aware of what to do when applying for a credit card in the UAE region.

Emirates Islamic RTA Platinum Credit Card applicants must remain mindful of countless things and must do well to collect dozens of documents beforehand. Even if a small, minuscule mistake may lead to credit card application rejection.

Here are a few important pointers that one must take care of when applying for Emirates Islamic RTA Platinum Credit Card for ultimate RTA and retail benefits.   

  1. Those applying for Emirates Islamic RTA Platinum Credit Card must do well to get acquainted with the different features and benefits of the credit card. This well help card applicants understand if the card actually suits their budget, needs and wants. Also, card applicants must do well to get acquainted with the fees structure, interest rates, grace period, over limit fees, credit limit, cash advance fees and scope of benefits associated with Emirates Islamic RTA Platinum Credit Card.
  2. After carefully analysing the features, fees and benefits of the credit card, card applicants must also do well to compare the card with other popular credit cards in its category to see if it has the best features, and benefits against all other cards available in the market. One must also not forget to check the online reviews about the various charges, features and customer service for the credit card. To easily compare the Emirates Islamic RTA Platinum Credit Card with other cards in the category and read reviews about it, one may visit Policybazaar.ae.
  3. Furthermore, applicants must also keep in mind to understand the vital documents needed to apply for Emirates Islamic RTA Platinum Credit Card. One must do well to collect all the vital documents to apply for the card such as Emirates Id, a valid residence visa, copy of the passport, copy of bank statement, salary certificates, etc.
  4. Now, applicants must decide about how to apply for the Emirates Islamic RTA Platinum Credit Card. One may apply for the card directly in person at one of the many Emirates Islamic branches, via Emirates Islamic official website, or through a comparison portal such as Policybazaar.ae. Applying for Emirates Islamic RTA Platinum Credit Card at comparison portals such as Policybazaar.ae is a fairly easy, quick and convenient process, even for the uninitiated applicants.
  5. No matter how one is applying for Emirates Islamic RTA Platinum Credit Card, it is important to ensure providing accurate details to make sure that the card application is not rejected by Emirates Islamic.

FAQ's

Question 1- Is it possible to withdraw cash via Emirates Islamic RTA Platinum Credit Card?

Answer- Yes, Emirates Islamic RTA Platinum Credit Card allows card members to withdraw cash from more than 780,000 ATMs around the world. However, there is a cash advance fee charged for withdrawing money using the credit card.

Question 2- How can Emirates Islamic RTA Platinum Credit Card members make payments for their card? 

Answer- There are multiple ways to make payment for the Emirates Islamic RTA Platinum Credit Card.

  • Cheque - Card members can visit a designated branch of Emirates Islamic and drop a cheque in the Drop Box. Please Note- it typically takes 3-5 working days for cheques to get cleared.
  • Exchange Houses - Card members may also visit one of the many UAE exchanges such as Al Rostamani Exchange, Al Fardan Exchange House, and Al Ansari Exchange and make the payment there. Please Note- The maximum cash allowed to be paid at UAE exchanges is 35,000 per day. Payments made at UAE exchange may take 2-3 working days to reflect.
  • Online - Card members may also visit the official website of Emirates Islamic Cards and make the payments online.
  • Auto Payment - Emirates also allows card members to use Auto Payment Transfer facility to get their payments automatically deducted from their bank accounts.
  • Cash At Counter - Card members may also visit one of the many Emirates’ branches and make the payments over the counter.
  • Cash Deposit Machines - Card members may also make the payments using the cash deposit machines. 

Question 3- Can Emirates Islamic RTA Platinum Credit Card get supplementary cards?

Answer- Yes! Up to 4 supplementary cards are allowed for card members, without any cost. Like the primary card, supplementary cards also earn discounts and attract privileges. Also the purchases made on supplementary cards also qualify for cash back rewards.

Question 4- Is there an annual fee for this card?

Answer- No! Emirates Islamic RTA Platinum Credit Card is free for life.

Question 5- Is Emirates Islamic RTA Platinum Credit Card Shari'a compliant?

Answer- The Emirates Islamic RTA Platinum Credit Card is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

Question 6- What is the value of 1 cash back point?

Answer- 1 Cash back Point is equal to 1 AED.

Question 7- How to redeem cash back on the Emirates Islamic RTA Platinum Credit Card?

Answer- It is easy to redeem cash back points earned on the Emirates Islamic RTA Platinum Credit Card. These cash back points can be redeemed by calling Emirates Islamic at 600 599 995. The cash back points are credited to the card account in 2-3 working after submitting a request for redemption. 

Question 8- Is there an expiry date for RTA card cashback points?

Answer- RTA card cash back points expire in 2years from the date of earning. 

Question 9- What types of transactions don’t earn cash back points?

Answer- Listed below is a list of transactions that do not earn cash back points-

  • Cash withdrawals
  • Balance transfer
  • School Fee Payment Plan instalment
  • Fees and Charges
  • Merchant refunds
  • Easy Payment plans
  • Cash Advances
  • Credit Card payments 

Question 10- Can cash back points be converted from one card to another?

Answer- No! Cash back earned on Emirates Islamic RTA Platinum Credit Card cannot be converted from one to another card.