Emirates Islamic RTA Credit Card

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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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.

Emirates Islamic RTA Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Cashback
  • Nol Card
  • RTA Transport Payments
  • Fuel Spends

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

Emirates Islamic RTA Card

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)

Cashback Back & Free Airport Lounge Access - Policybazaar uae

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)

discount offers - Policybazaar uae

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 Skywards Black 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  
Best Platinum Islamic Credit Card in UAE

FAQs on Emirates Islamic RTA Platinum Credit Card

Can you withdraw cash using an Emirates Islamic RTA credit card in the UAE?

You can withdraw cash from any Emirates Islamic branch or over 780,000 Visa ATMs in the world at a nominal charge.

What transactions are not eligible for cashback rewards?

The following transactions are not eligible for cashback rewards -

  • Balance transfer
  • Easy payment plans
  • Cash advances
  • Credit card bill payments
  • Merchant refunds
  • School fee payment plan instalment
  • Cash withdrawals
  • Fees and charges
Can you convert the cashback points from one card to another?

You cannot convert the cashback points as rewards can be redeemed only against the card on which the points have been accumulated.

Do RTA credit card cashback points expire?

Cashback points remain valid for only 2 years from the date of earning and expire if not redeemed within the specified duration.

What happens to the cashback points in case of a reversal of the transaction?

In the case of the reversal of a transaction, the cashback points earned on the transaction also get reversed.

What is the value of a cashback point?

The value of one cashback point for this card can be considered equal to AED 1.

Can you avail of supplementary cards with Emirates Islamic RTA credit card?

You can get up to 4 supplementary cards for your family members to help them seek the benefits of the discounts and rewards on the primary card.

Reviews & Ratings

4.6/5 (based on   18,147+google icon reviews)

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