Emirates Islamic RTA Credit Card

Established in 2004, Emirates Islamic Bank is renowned for its array of Islamic banking products for individuals, corporates, investors, and more. Dedicated to offering an Islamic banking experience to customers, Emirates Islamic uses tools like Murabaha, Takaful, and Ijarah to curate banking products.

Some of the most prominent products offered by Emirates Islamic are personal finance, debit, credit cards and prepaid cards, auto finance, home finance, wealth solutions, and more. Emirates Islamic Bank Credit Cards, in particular, are reputed for their rewards and offers.

Features and Benefits of Emirates Islamic RTA Credit Card

Emirates Islamic RTA credit card has an in-built transit chip and can be utilised for fare payments at RTA-operated metro, parking metres,  buses, water buses, and more. Given below are the major features and benefits of the Emirates Islamic RTA credit card -

• Auto top-up facility for Salik and NOL account
• No blackout dates to redeem the cashback
• Option to use the cashback balance for repaying the outstanding balance
• The extended warranty benefit doubles the insurance for an item purchased using an Emirates Islamic RTA credit card
• Secure online shopping using the 3D secure feature
• The card is a combination of an NOL card and a credit card
• Purchase protection for stolen, misplaced, or damaged goods within 9 days from the date of purchase
• Access to class fare deduction from NOL Tag ID
• Facility to transfer other credit card balances to Emirates Islamic and reduce the monthly payments
• Access to easy payment plans to convert major transactions into small monthly instalments
• Up to 4 free supplementary cards with no AMF

Rewards and Offers on Emirates Islamic RTA Credit Card

Here are the major rewards and offers on the Emirates Islamic RTA credit card - 

• 10% cashback on RTA transport payments (up to AED 100 per month)
• Avail of 10% cashback on spending up to AED 100 per month on fuel expenses
• Up to 2.25% cashback on international expenses
• Up to 1.25% cashback on other transactions
• Up to 25% cashback on purchasing items from over 1,500 brands on CashbackSouk.ae
• Up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week upon a retail purchase of at least AED 3,000
• Up to USD 25 food or beverages credit at more than 900 international hotels in Visa Luxury Hotel Collection
• ‘Tap n Pay’ facility with digital wallets like Apple Pay, Google Pay, and Samsung Pay

Eligibility Criteria for Emirates Islamic RTA Credit Card in UAE

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

• Minimum monthly income requirement - AED 5,000
• Nationality - UAE residents

Documents Required for Emirates Islamic RTA Credit Card

Keep these documents ready when applying for an Emirates Islamic RTA credit card -

• Salary certificate or recent salary slips
• A copy of passport
• A copy of resident visa
• A copy of Emirates ID
• Recent bank statements of at least 3 months
• A copy of address proof (utility bill or tenancy agreement)

Fees and Charges Associated with Emirates Islamic RTA Credit Card in UAE

Go through the following table to find out the fees associated with the Emirates Islamic RTA credit card -

Charges	Amount
Credit Limit Range Less than AED 8,000 AED 8,001 to AED 13,000 AED 13,001 to AED 16,000 AED 16,001 to AED 25,000 AED 25,001 to AED 37,500 AED 37,501 to AED 62,500 AED 62,501 to AED 100,000 AED 100,001 to AED 150,000 More than AED 150,000	Monthly Fee AED 225 AED 325 AED 500 AED 575 AED 850 AED 1,200 AED 1,600 AED 1,600 AED 1,600
Monthly Profit Rate	3.49%
Annual Membership Fee	No Annual Membership Fee
Minimum Monthly Amount Due	5% of the remaining amount and all fees and charges
Maximum Cash Advance per Transaction	AED 10,000 or 50% of the card limit (whichever is lower)
Payment Due Date from the date of Statement	AED 25
Statement over 3 Months Old (for every month’s statement)	AED 47.25
Retrieval of Transaction Slip	AED 52.5 per request
A Duplicate Copy of the Statement (for every monthly statement)	AED 26.25
Cash Advance Fee	3.15% of the cash advance amount or AED 103.95 (whichever is more)
Late Payment Fee	AED 131.25
Replacement Card Fee	AED 78.75
Direct Debit Return Fee	AED 105 per instance
Over Limit Fee	AED 261.45 per instance
Liability/No Liability Letter	AED 52.5 per request
Credit Shield	1.04% of the outstanding amount
Supplementary Card Fee	Free (up to 4 supplementary cards)

How to Apply for Emirates Islamic RTA Credit Card?

You can easily apply for an Emirates Islamic RTA credit card via Policybazaar.ae. This is a third-party aggregator portal that offers an array of credit card options from the leading financial institutions in the UAE. 

To apply for an RTA credit card, click on the ‘Credit Card’ tab on the homepage of policybazaar.ae and fill out the lead form. This will take you to our credit card quotes page. Browse through the features and benefits of the product and click on the ‘apply’ tab.  

Getting an Emirates Islamic RTA credit card from Policybazaar.ae can bring the following benefits to you - 

• 24/7 customer support
• Free consultation from the financial experts
• Access to banking-on-the-go
• Easy application process

Other Emirates Islamic Bank Credit Cards - 

All Emirates Islamic Bank Credit Cards to Apply
Emirates Islamic Skywards Signature Credit Card	Emirates Islamic Flex Elite Credit Card
Emirates Islamic Skywards Platinum Credit Card	Emirates Islamic Business Credit Card
Emirates Islamic Cashback Credit Card	Emirates Islamic Easy Credit Card
Emirates Islamic Cashback Plus Credit Card	Emirates Islamic Rewards Credit Card
Emirates Islamic Skywards Gold Credit Card	Emirates Islamic Abu Dhabi Rewards Credit Card
Emirates Islamic Emarati Credit Card	Emirates Islamic Union Coop Tamayaz Credit Card
Emirates Islamic RTA Platinum Credit Card	Emirates Islamic Skywards Infinite Credit Card
Emirates Islamic Flex Credit Card	Emirates Islamic Etihad Guest Platinum Credit Card
Emirates Islamic Etihad Guest Premium Credit Card	Emirates Islamic Etihad Guest Saqer Credit Card
Emirates Islamic Etihad Guest Ameera Credit Card	Emirates Islamic Skywards Black Credit Card

Best Platinum Islamic Credit Card in UAE

FAQs on Emirates Islamic RTA Platinum Credit Card