Emirates Islamic RTA Platinum Credit Card

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Established in 2004, Emirates Islamic Bank ensures the highest standard of Shariah-Compliant banking services for both individual and corporate customers. The bank offers a variety of bank accounts, credit cards, loans, etc. to help its clients manage their finances.

Emirates Islamic RTA Platinum Credit Card is one of the best credit cards that the bank offers. The card comes with a built-in RTA NOL chip and can be used both as a regular credit card to shop, dine and travel and an NOL Card for RTA’s Dubai Bus, Metro, Water Buses, Tram, and mParking.

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 Emirates Islamic 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 ex-pats, 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 cardholders.

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. Cardmembers get easy access to cashback offers and easy RTA transport network payments.

Emirates Islamic RTA Platinum Credit Card
Cashback
  • Minimum Salary AED 8,000
  • Annual Fee Free For Life
  • Cashback
  • Dining Discounts
  • Special Discounts
  • Free for Life
Reward Value: NA

Powered by the Emirates Islamic ground-breaking Points Programme, Emirates Islamic RTA Credit Card allows card members to earn rewards and cashback 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 cashback and rewards on every retail transaction.

Features of Emirates Islamic RTA Platinum Credit Card

Emirates Islamic RTA Platinum Credit Card is a brilliant product that helps cardholders earn a considerable amount of reward points and cash back for their RTA expenses. The credit card offers a wide range of innovative features to help card users make the maximum value for their money. 

Here’s a list of effective features of the Emirates Islamic RTA Platinum Credit Card.

  • Fully Shariah-Compliant - Emirates Islamic RTA Platinum Credit Card is one of the best Shariah-Compliant credit cards in the UAE. The card follows Islamic laws and principles and offers attractive offers for cardholders keeping in mind their financial needs.
  • NOL Chip - Emirates Islamic RTA Platinum Credit Card comes with a built-in NOL Chip and enables cardholders to make easy payments on the RTA transport network.
  • Easy Fare Payments - Emirates Islamic RTA Platinum Credit Cardholders can make easy fare payments at RTA Bus, RTA Water Bus, RTA Metro, and RTA Parking Meters in just a few minutes.
  • Card Replacement - Emirates Islamic RTA Platinum Credit Cardholders can request instant card replacement on losing their card while travelling. They can also get up to USD 5,000 as cash delivered at any location in the world. To avail of this service, they can simply call the helpline at 0800 121, then enter 866 654 0112 for UAE and +1 410 581 9994 for international.
  • Multiple Payment Options - Emirates Islamic RTA Platinum Credit Cardholders can make easy card payments using different options, including cheque payments, online banking, mobile banking, cash at counter, cash deposit machines, etc. The cheques deposited in the drop box may take 3-5 business days to get processed.
  • Auto-Payment Facility - Emirates Islamic RTA Platinum Credit Cardholders can set up an auto-payment facility for card payments on their online banking and mobile banking portals.
  • Purchase Protection - Emirates Islamic RTA Platinum Credit Card offers purchase protection for cardholders. They can buy anything while travelling with peace of mind that they will get the coverage if their purchased item gets lost or stolen. They also get protection against the damage caused to the product within 90 days from the date of purchase.
  • NOL Top Up - The NOL Chip balance reduces as the cardholders make transport payments. Emirates Islamic RTA Platinum Credit Card enables cardholders to make convenient top-up to recharge their linked NOL Chip.
  • Manual Top-Up Facility - Emirates Islamic RTA Platinum Credit Cardholders can top-up their NOL Chip manually by using different modes, including 
  1. Cash Deposit Machines (CDMs)
  2. Automated Teller Machines (ATMs)
  3. Internet Banking
  4. EI Mobile Banking
  5. Customer Service helpline

They can also visit the RTA locations to recharge their NOL Chip easily. Here is a list of RTA locations.

  1. RTA Customer Service Centres
  2. Ticket Offices (at select Bus stations or Metro stations)
  3. Ticket Vending Machines (at Bus Stops and Metro Stations)

RTA Authorised Sales Representatives such as Waitrose, Carrefour, Al Ansari, Spinneys, Redha Geant, EPPCO, and ENOC

  • Auto Top-Up Facility - Auto Top-Up facility helps cardholders recharge their NOL Chip linked to the credit card automatically for the specified amount every time it reduces with AED 20 after making RTA transport payments. The cardholders can call on 600 599 995 to activate the facility.

Here are the top-up plans for the facility.

  1. Plan 1: AED 50
  2. Plan 2: AED 100
  3. Plan 3: AED 200

The facility will make the payment using your Emirates Islamic RTA Platinum Credit Card, and the amount will be added to your monthly bill. It could take up to 24 hours for the balance to reflect on your linked NOL Chip.

The cardholders can call the same helpline number or visit any of the RTA ticket offices to cancel the Auto Top-Up service on their credit card.

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Benefits of Emirates Islamic RTA Platinum Credit Card

  • Fuel Spends - The cardholders can use their Emirates Islamic RTA Platinum Credit Card for the fuel spends and enjoy 10% cashback. 
  • Instant Cashback Redemption - Emirates Islamic RTA Platinum Credit Cardholders can instantly redeem their cashback and reward points using their Online Banking or Mobile Banking App. 

Here is a list of simple steps to follow.

  1. Log in to Online Banking/Mobile Banking
  2. Click on ‘Cards’ and then ‘Rewards’
  3. Click on ‘Redemption’
  4. Submit Your Request
  • RTA Transport Payment Offers - With Emirates Islamic RTA Platinum Credit Card, the cardholders can earn easy cashback of up to 10% on their RTA Transport Payments.
  • International Spend Offers - With Emirates Islamic RTA Platinum Credit Card, the cardholders can get up to 25% of cashback on their international spending.
  • Other Discount Offers - Emirates Islamic RTA Platinum Credit Cardholders can earn up to 25% of cashback on all the local online and offline transactions based upon the terms and conditions.
  • Offers on Government Services - Emirates Islamic RTA Platinum Credit Cardholders can earn 5% cashback on  spending made under "Government Services" category.
  • Cabin Access and Monthly Pass - With Emirates Islamic RTA Platinum Credit Card, the card members get easy cabin access in the RTA metro, and monthly pass products for RTA transports.
  • Movie Ticket Offers - Emirates Islamic RTA Platinum Credit Cardholders get up to two Buy 1 Get 1 offer every month. The cardholders need to spend AED 3,000 for the specific month to avail of this offer.
  • Entertainment Benefits - Emirates Islamic RTA Platinum Credit Cardholders get up to 15% discount on Emaar Entertainment Attractions, including Ice Rink, The Dubai Fountain Boardwalk, KidZania Dubai and Abu Dhabi, Ekart, VR Park – Pay & Play, and many others.
  • Medical and Legal Benefits - Emirates Islamic RTA Platinum Credit Cardholders can seek medical and legal services anywhere across the world. They also get a fulltime available helpline to find answers to their queries. To avail of this benefit, all they need to do is book their travel using Emirates Islamic RTA Platinum Credit Card. They can call 8000 441 3487 for legal and medical assistance.
  • Extended Warranty on Household Appliances - The cardholders can purchase household appliances using their Emirates Islamic RTA Credit Card and enjoy a free extended warranty period of 12 months. The extended warranty will be beyond the warranty period offered by the manufacturer/retailer. The cardholders can apply this offer on a selected product within 24 months from the date of purchase. The cardholders can call the helpline on 8000 441 3487 for more information.
  • Mazaya Offers - Emirates Islamic RTA Platinum Credit Card is linked to the ever-so-popular Mazaya Offers platform. It provides cardholders with easy access to matchless benefits, lucrative discounts and exclusive privileges at more than 2000 restaurants and retailers across the UAE region. Emirates Islamic RTA Platinum Credit Card members earn up to 30% off at restaurants and fabulous discount deals at shopping partners of Mazaya Platform across the UAE region. 

Eligibility for Emirates Islamic RTA Platinum Credit Card

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

  • The applicant must have a minimum monthly income of AED 5,000 or above 
  • The applicant should be a UAE resident with a valid UAE Residency Visa

Documents Required to Apply for Emirates Islamic RTA Platinum Credit Card

Here is a list of documents that applicants may need to provide when applying for the Emirates Islamic RTA Platinum Credit Card.

  • Emirates ID – Original and a Copy
  • Passport with Residency Visa– Original and a Copy
  • One of these address proofs – Emirates ID, Utility Bill, Contract of Tenancy 

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 on Emirates Islamic RTA Platinum Credit Card

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

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 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

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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.

Other Emirates Islamic Bank Credit Cards - 

All Emirates Islamic Bank Credit Cards to Apply
 

FAQ's on Emirates Islamic RTA Platinum Credit Card

Q1:  Is it possible to withdraw cash via Emirates Islamic RTA Platinum Credit Card?

Ans: 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.

Q2: How can Emirates Islamic RTA Platinum Credit Card members make payments for their card? 

Ans: 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. 

Q3: Can Emirates Islamic RTA Platinum Credit Card get supplementary cards?

Ans: 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.

Q4: Is there an annual fee for this card?

Ans: No! Emirates Islamic RTA Platinum Credit Card is free for life.

Q5: Is Emirates Islamic RTA Platinum Credit Card Shari'a compliant?

Ans: 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.

Q6: What is the value of 1 cash back point?

Ans: 1 Cash back Point is equal to 1 AED.

Q7: How to redeem cash back on the Emirates Islamic RTA Platinum Credit Card?

Ans: 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. 

Q8: Is there an expiry date for RTA card cashback points?

Ans: RTA card cash back points expire in 2years from the date of earning. 

Q9: What types of transactions don’t earn cash back points?

Ans: 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 

Q10: Can cash back points be converted from one card to another?

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