Emirates Islamic Travel Insurance Credit Cards

By Laxita Gautam
  | Published: 31 August 2021

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Emirates Islamic Bank started its services in 2004 with a vision of providing the highest standard of Islamic banking solutions in line with Sharia Laws. Since then, the bank has covered several milestones and has established a key position in the UAE’s economic development. It offers numerous banking products and services designed to deliver better profits and financial growth. Amongst its popular products, the bank offers personal & business bank accounts, finance & wealth solutions, deposit accounts and credit services. With an exceptional cashless banking system, the bank offers a variety of individual and business credit cards bundled with a host of benefits and privileges to meet customers’ needs.

Considering the travel requirements of individuals, the bank offers Emirates Islamic travel insurance credit cards that secure your journey against untimely events and provide peace of mind. The credit cards offering travel insurance also cover emergency medical and in-hospital expenses including travel assistance. The article below gives an insight into the features & benefits, application process, and various charges linked with credit cards. 

Best Emirates Islamic Travel Insurance Credit Cards in UAE 

Etihad Guest Premium Credit Card with Travel Insurance

EIB Etihad Guest Premium Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 1,500
  • Movie Discounts
  • Airport Lounge Access
  • Travel Insurance
  • Valet Parking
Reward Value: NA

Features & Benefits of Etihad Guest Premium Credit Card

  • The card offers multi-trip insurance for cardholders and their family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips. 
  • Avail of the purchase protection cover of up to USD 7500 per occurrence.
  • Get global assistance round the clock for the loss or theft of credit cards.
  • Avail of global concierge service including flight, restaurant and hotel reservations. 
  • Complimentary access to over 1000 premium airport lounges with an accompanying guest. 
  • Balance transfer and cash advance facilities. 
  • Exclusive Visa Infinite offers and cinema offers.

EIB Etihad Guest Saqer Travel Credit Card

EIB Etihad Guest Saqer Credit Card
Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 899
  • Movie Discounts
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Etihad Guest Saqer Credit Card

  • Avail of multi-trip insurance for yourself and your family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips including medical expenses. 
  • Avail of global concierge service including flight, restaurant, and hotel reservations. 
  • Get global assistance round the clock for the loss or theft of credit cards.
  • Complimentary access to over 1000 premium airport lounges. Additional guest charges are not included. 
  • Balance transfer and cash advance facilities. 
  • Exclusive Visa Infinite offers.

EIB Etihad Guest Ameera Credit Card with Travel Insurance

EIB Etihad Guest Ameera Credit Card
Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 699
  • Movie Discounts
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Etihad Guest Ameera Credit Card

  • It offers multi-trip insurance for the cardholder and dependent family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips including medical expenses. 
  • Avail of global concierge service including hotel, flight, and restaurant reservations. 
  • Global assistance round the clock for the loss or theft of credit cards.
  • Complimentary access to over 1000 premium airport lounges. Additional guest charges may apply.
  • 50% cashback on cinema. 
  • Balance transfer and cash advance facilities. 
  • Exclusive Visa Infinite offers.

EIB Skywards Black Travel Credit Card

EIB Skywards Black Credit Card
Airport Lounge Access
  • Minimum Salary AED 50,000
  • Annual Fee AED 4,000
  • Airport Transfer
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Skywards Black Credit Card

  • Get multi-trip travel insurance for up to 90 days for self and family with personal accident and travel inconvenience insurance of up to 2,500.
  • Avail of personal accident coverage of USD 1 million for an international trip and USD 100,000 for domestic trips. 
  • Complimentary access to over 1000 premium airport lounges worldwide.
  • Avail of global concierge service including hotel, flight, and restaurant reservations. 
  • Global assistance round the clock for the loss or theft of credit card. 
  • Offers purchase protection and extended warranty on products purchased using the credit card.
  • Balance transfer and cash advance facilities. 

EIB Skywards Infinite Credit Card with Travel Insurance

EIB Skywards Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 2,000
  • Valet Parking
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Skywards Infinite Credit Card

  • Avail of multi-trip insurance for yourself and your family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips including medical expenses. 
  • Get global assistance round the clock for the loss or theft of credit cards.
  • Avail of global concierge service including flight, restaurant, and hotel reservations. 
  • Complimentary airport lounge access to over 1000 premium lounges worldwide.
  • Complimentary movie ticket offers. 
  • 50% off on domestic airport transfers. 
  • Offers purchase protection and extended warranty on products purchased using the credit card.
  • Balance transfer and cash advance facilities.
  • Complimentary Emirates Skywards Silver Membership.

EIB Skywards Signature Travel Credit Card

EIB Skywards Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 700
  • Valet Parking
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Skywards Signature Credit Cards

  • It offers multi-trip insurance for the cardholder and dependent family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips including medical expenses. 
  • Medical and legal referrals in case of accidents. 
  • Complimentary access to over 1000 premium airport lounges around the world.
  • Avail Reel Cinema offers.
  • Offers purchase protection and extended warranty on products purchased using the credit card.

EIB Cashback Plus Credit Card with Travel Insurance

EIB Cashback Plus Credit Card
Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee AED 299
  • Special Discount
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Cashback Plus Credit Card

  • Avail of multi-trip insurance for yourself and your family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips including medical expenses. 
  • RTA benefits 
  • Exclusive offers on luxury hotel collections around the world.
  • Unlimited access to over 1000 airport lounges worldwide. 
  • Two complimentary golf round access on any day of the week.
  • Medical and legal referrals in case of accidents.
  • Offers extended warranty and purchase protection on products purchased using the credit card.
  • Balance transfer and cash on-call facilities.  

EIB Flex Elite Travel Credit Card

EIB Flex Elite Credit Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 700
  • Special Discount
  • Airport Lounge Access
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Features & Benefits of Flex Elite Credit Card

  • Get multi-trip insurance for yourself and your family for up to 90 days. 
  • Get travel accident and inconvenience insurance for all domestic and international trips including medical expenses. 
  • Earn up to 3.75 El SmartMiles per AED spent.
  • Redeem SmartMiles for travel bookings with over 300 airlines.
  • 50% discount on domestic airport transfers. 
  • Airport lounge access to over 1000 lounges worldwide. 
  • Unlimited access to golf rounds. 
  • Two complimentary valet parking services per month.
  • Offers extended warranty and purchase protection on products purchased using the credit card.
  • Balance transfer and cash on-call facilities.  

Features of Emirates Islamic Travel Insurance Credit Cards

The bank provides several features and privileges on credit cards in addition to travel insurance. Following are the important features of the Emirates Islamic credit cards offering exclusive travel insurances. 

  • Annual Membership Charges - The bank charges an annual membership fee from the credit cardholder. The annual fee depends on the card type and offered benefits. Most of the travel insurance credit cards levy a charge between AED 199 to 4,000. A few cards are free for lifetime subject to minimum spend criteria. 
  • Minimum Salary Requirements - Individuals planning to avail of Emirates Islamic credit cards need to satisfy the salary requirements. The income criteria also depend on the type of credit card. 
  • Comprehensive Travel Benefits - The cardholder gets comprehensive travel insurance for self and the family including spouse and up to 5 children. The insurance covers both domestic and international trips for up to a span of 90 days. 
  • Rewards and Cashback Programs - The bank offers numerous cashback and rewards on each domestic and international spending as a part of the loyalty program.  
  • Exclusive Lifestyle and Shopping Benefits - The cardholder gets access to various lifestyle benefits like valet parking, golf rounds, dining offers, cinema offers, and much more. 
  • Sharia-Compliant Credit Cards - The bank offers completely Sharia-compliant credit cards following the laws of Islamic banking for profit generation.  

Benefits of Emirates Islamic Travel Insurance Credit Cards

Emirates Islamic offers various benefits that not only cover accidental expenses but also provide baggage and card protection. Following are the key benefits of Emirates Islamic credit cards with travel insurance. 

  • The credit cards with travel insurance offer multi-trip travel insurance for a single trip as well as multiple trips. 
  • Get a worldwide personal accident coverage of up to USD 1 million.
  • The card offers personal accident coverage of USD 100,000 for domestic travel.
  • Get baggage delay coverage of up to USD 500 and coverage for loss of personal belonging up to USD 2,500.    
  • Avail of global concierge services including restaurants, flight and hotel reservations round the clock on select Emirates Islamic credit cards.
  • Enjoy complimentary airport lounge access to over 1000 premium lounges with an accompanying guest on select credit cards
  • Avail of Visa global multilingual assistance anywhere and anytime for your lost or stolen card.
  • Access to numerous rewards and cashback programs for each expense.
  • Get various lifestyle, entertainment, shopping and travel benefits with Emirates Islamic credit cards. 
  • Avail purchase protection, extended warranty, secure transactions, cash advance, including easy installment plans and bill payments. 

List of Emirates Islamic Travel Insurance Credit Cards with Salary Requirement

Following is the list of top travel insurance credit cards from Emirates Islamic along with their features and benefits to help you choose your preferred credit card. 

Emirates Islamic Credit Card Type

Salary Requirement

Etihad Guest Premium Credit Card

  • N/A

Etihad Guest Saqer Credit Card

  • N/A

Etihad Guest Ameera Credit Card

  • N/A

Skywards Black Credit Card

  • N/A

Skywards Infinite Credit Card

  • N/A

Skywards Signature Credit Cards

  • Minimum salary requirement of AED 12,000

Cashback Plus Credit Card

  • Minimum salary requirement of AED 5,000

Flex Elite Credit Card

  • Minimum salary requirement of AED 25,000

Emirati Credit Card

  • Minimum salary requirement of AED 12,000 per month

Eligibility Criteria for Emirates Islamic Travel Insurance Credit Cards

Individuals willing to apply for the Emirates Islamic credit cards need to fulfil the eligibility requirements as per their preferred card. Mentioned below are the general criteria for applicants. 

  • Applicant should be 21 years old or above. 
  • He/She must satisfy the minimum salary requirements. 
  • He/She should produce original and copy of required documents during application. 

Documents Required for Emirates Islamic Travel Insurance Credit Cards

Following is the list of requisite documents needing during the credit card application process. 

  • A valid passport – original and a copy. 
  • Emirates ID for the UAE residents and nationals
  • Recent salary certificate
  • Bank statements of the last three months. 

Note: The bank may ask for additional documents for the record and validation at its discretion.

How to Apply for the Emirates Islamic Credit Cards with Travel Insurance?

With the convenience of digitized banking, Emirates Islamic offers numerous channels to apply for the credit card as mentioned below:

  • Online Mode - Using the online or mobile banking facility, individuals can choose their preferred credit card from anywhere. They need to enter personal details and fill the application form. The bank will contact them for the further application process. 
  • Offline Mode - Individuals can also visit the bank branch if they don’t have an internet connection and can’t apply online. They need to carry the required documents and fill the credit card application form as instructed by the bank’s representative. 
You may also like this - List of Travel Credit Cards in UAE to Apply

Fees Schedule for Emirates Islamic Travel Insurance Credit Cards 

EIB Credit Cards Annual Charges

Etihad Guest Premium Credit Card

AED 2,500

Etihad Guest Saqer Credit Card

AED 899

Etihad Guest Ameera Credit Card

AED 699

Skywards Signature Credit Card

AED 700

Skywards Black Credit Card

AED 4000

Skywards Infinite Credit Cards

AED 2000

Cashback Plus Credit Card

AED 299

Flex Elite Credit Card

AED 700

Emirati Credit Card

Free for life

Other Charges and Fees

Retail Interest Rate per month 

3.25%

Cash Advance Fee

Up to 3% of the cash advance amount or AED 99 (whichever is higher)

Balance Transfer Processing Fee

Up to 3.5% of the transaction amount. 

Max Cash Advance per transaction

AED 10,000 or 50% of credit limit (whichever is lower)

Late Payment Fee

AED 225

Over Limit Charges

AED 249

Other Bank's Credit Cards That Offer Travel Insurance in UAE

Credit Cards with Travel Insurance
ADCB Travel Insurance Credit Cards in UAE
HSBC Travel Insurance Credit Cards in UAE
Citibank Travel Insurance Credit Cards in UAE
FAB Travel Insurance Credit Cards in UAE

FAQ's on EIB Credit Cards with Travel Insurance in UAE

How can I avail of travel insurance with Emirates Islamic credit cards?

To avail of travel insurance, an individual simply needs to book tickets using his/her credit card and the insurance is automatically applied. For claiming it, the individual needs to contact the bank’s customer support team.

Is it necessary to fulfil the salary requirement criteria to avail of Emirates Islamic credit card?

Yes, it is mandatory to satisfy the salary criteria as the bank decides the credit limit based on your salary and credit history.

Do I get a personal accident cover during trips with Emirates Islamic credit cards?

Yes, Emirates Islamic travel insurance credit cards offer personal accident cover for both domestic and international travel.

Laxita Gautam
Laxita Gautam137 Posts

Senior Content Writer | She functions on classic British fiction, Japanese manga, and strong americanos. Laxita is tailor-made to create engaging, interactive pieces that offer simplified insights into complex subjects.