MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
Reward Features
Lifestyle
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Supermarket (Domestic) | 4% | 200 |
| Dining | 4% | 200 |
| Fuel (Domestic) | 8% | 100 |
| Education | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
Travel
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Airlines | 4% | 200 |
| Hotels | 4% | 200 |
| Dining | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.49%
ANNUAL FEE
AED 2100
MINIMUM SALARY
AED 25,000
RATE
3.49%
ANNUAL FEE
AED 2,100
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.
2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000 within 6 months
3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months
Overall an ability to earn upto 90,000 bonus skywards miles!
Key Features
Reward Features
Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates
- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 735
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.
2) Cummulative retail spends ( within 6 months): 20,000 skywards miles
Spend a minimum of AED 30,000 within 6 months
3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months
Overall an ability to earn upto 60,000 bonus skywards miles!
Key Features
Reward Features
Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / or AED 103
Joining Offers
Earn up to 175,000 miles.
40,000 Bonus miles upon payment of Annual Membership Fee of AED 1,500 & Joining Fee of AED 500.
85,000 miles on a cumulative Retail Spend or AED 90,000(Within the first 6 months)
50,000 miles on a cumulative Fx Spends of AED 15,000 (Within the first 6 months)
Key Features
Reward Features
For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend
Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.
You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.
You also have the option to change your chosen categories every quarter by calling our call center.
Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 20,000 Tier Miles can be earned in a membership year.
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 733
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 733
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min AED103
Joining Offers
Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 699 & Joining Fee of AED 300.
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)
Key Features
Reward Features
For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
3 Etihad Guest mile for spend at Etihad Airline
2 Etihad Guest mile for spend at International Spend
2.5 Etihad Guest mile for spend at two chosen categories
Upto 1.5 Etihad Guest mile for spend at domestic spend
Emirates Islamic Etihad Guest Ameera card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.
Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 899
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 899
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / or AED 103
Joining Offers
Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 899 & Joining Fee of AED 300.
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)
Key Features
Reward Features
3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
2.5 Etihad Guest miles at two chosen categories
Upto 1.5 Etihad Guest miles at domestic spend
Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.
Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.
Things To Be Aware Of
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 4200
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 4,200
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 103.95
Joining Offers
Earn upto 100,000 bonus skywards miles!
Welcome Miles Bonus Category: 35,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.
2) Cumulative retail spend of AED 120,000 within 3 months: 40,000 skywards miles
3) Cumulative Foreign currency spend of AED 50,000 within 6 months : 25,000 skywards miles
Key Features
Reward Features
Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates
- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn cashback on your Emirates Islamic Cashback Plus Credit Card
Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:
Maximum Cash Back Per Month - AED 200 for above categories.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 199
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 199
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min AED103
Key Features
Reward Features
For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
2 Etihad Guest Miles for spend at Etihad Airlines
1.5 Etihad Guest Miles for spend on international spends
2 Etihad Guest Miles for spend on two categories of your choice
2 Etihad Guest Miles for spend on domestic spend
With Emirates Islamic Etihad Guest Platinum card, you will earn 2 Etihad Guest Miles for every USD 1 spent on Mobile Wallets & Online Transactions.
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn Cashback on your Emirates Islamic Cashback Card
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.39%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.39%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Get EI Smart Miles worth up to AED 750, offer valid until 14 August 2024.
If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 75,000 Welcome Bonus EI SmartMiles worth AED 750 will be awarded.Exclusively for UAE national.
This Offer is a limited period offer valid for Emarati cards sourced from 15 May 2024 to 14 August 2024 and approved (Disbursed) latest by 30 August 2024.
This Offer is valid for New to Bank customers only. Existing EI Cardholders are not eligible for this Offer. This Offer is not applicable for customers who have closed their EI Credit Card in last 6 months.
If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 75,000 Welcome Bonus EI SmartMiles worth AED 750 will be awarded.
If the customer makes retail spends of minimum AED 15,000 up to AED 29,999 within 60 days of card issuance, then 50,000 Welcome Bonus EI SmartMiles worth AED 500 will be awarded.
For customer making retail spends of less than AED 15,000 within 60 days of card issuance, will not be eligible for any Welcome Bonus EI SmartMiles.
Welcome Bonus of AED 750 will be credited as 75,000 EI SmartMiles or Welcome Bonus of AED 500 will be credited as 50,000 EI SmartMiles to the Applicant’s EI SmartMiles Account based on above stated spend requirement by 31 October 2024, as part of the Campaign.
If spend criteria is not met within 60 days of card issuance, customer will not be eligible for the Welcome Bonus.
Key Features
Reward Features
Earn EI SmartMiles on your Emirates Islamic Emarati Credit Card
Earn unlimited miles and redeem with no blackout dates:
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn Cashback on your Emirates Islamic Cashback Card
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn cashback on your Emirates Islamic Cashback Plus Credit Card
Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:
Maximum Cash Back Per Month - AED 200 for above categories.
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.39%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.39%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Get EI Smart Miles worth up to AED 750, offer valid until 14 August 2024.
If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 75,000 Welcome Bonus EI SmartMiles worth AED 750 will be awarded.Exclusively for UAE national.
This Offer is a limited period offer valid for Emarati cards sourced from 15 May 2024 to 14 August 2024 and approved (Disbursed) latest by 30 August 2024.
This Offer is valid for New to Bank customers only. Existing EI Cardholders are not eligible for this Offer. This Offer is not applicable for customers who have closed their EI Credit Card in last 6 months.
If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 75,000 Welcome Bonus EI SmartMiles worth AED 750 will be awarded.
If the customer makes retail spends of minimum AED 15,000 up to AED 29,999 within 60 days of card issuance, then 50,000 Welcome Bonus EI SmartMiles worth AED 500 will be awarded.
For customer making retail spends of less than AED 15,000 within 60 days of card issuance, will not be eligible for any Welcome Bonus EI SmartMiles.
Welcome Bonus of AED 750 will be credited as 75,000 EI SmartMiles or Welcome Bonus of AED 500 will be credited as 50,000 EI SmartMiles to the Applicant’s EI SmartMiles Account based on above stated spend requirement by 31 October 2024, as part of the Campaign.
If spend criteria is not met within 60 days of card issuance, customer will not be eligible for the Welcome Bonus.
Key Features
Reward Features
Earn EI SmartMiles on your Emirates Islamic Emarati Credit Card
Earn unlimited miles and redeem with no blackout dates:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 733
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 733
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min AED103
Joining Offers
Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 699 & Joining Fee of AED 300.
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)
Key Features
Reward Features
For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
3 Etihad Guest mile for spend at Etihad Airline
2 Etihad Guest mile for spend at International Spend
2.5 Etihad Guest mile for spend at two chosen categories
Upto 1.5 Etihad Guest mile for spend at domestic spend
Emirates Islamic Etihad Guest Ameera card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.
Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 199
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 199
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min AED103
Key Features
Reward Features
For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
2 Etihad Guest Miles for spend at Etihad Airlines
1.5 Etihad Guest Miles for spend on international spends
2 Etihad Guest Miles for spend on two categories of your choice
2 Etihad Guest Miles for spend on domestic spend
With Emirates Islamic Etihad Guest Platinum card, you will earn 2 Etihad Guest Miles for every USD 1 spent on Mobile Wallets & Online Transactions.
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / or AED 103
Joining Offers
Earn up to 175,000 miles.
40,000 Bonus miles upon payment of Annual Membership Fee of AED 1,500 & Joining Fee of AED 500.
85,000 miles on a cumulative Retail Spend or AED 90,000(Within the first 6 months)
50,000 miles on a cumulative Fx Spends of AED 15,000 (Within the first 6 months)
Key Features
Reward Features
For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend
Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.
You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.
You also have the option to change your chosen categories every quarter by calling our call center.
Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 20,000 Tier Miles can be earned in a membership year.
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 899
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 899
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / or AED 103
Joining Offers
Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 899 & Joining Fee of AED 300.
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)
Key Features
Reward Features
3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
2.5 Etihad Guest miles at two chosen categories
Upto 1.5 Etihad Guest miles at domestic spend
Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.
Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 4200
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 4,200
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 103.95
Joining Offers
Earn upto 100,000 bonus skywards miles!
Welcome Miles Bonus Category: 35,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.
2) Cumulative retail spend of AED 120,000 within 3 months: 40,000 skywards miles
3) Cumulative Foreign currency spend of AED 50,000 within 6 months : 25,000 skywards miles
Key Features
Reward Features
Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates
- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend
MINIMUM SALARY
AED 25,000
RATE
3.49%
ANNUAL FEE
AED 2100
MINIMUM SALARY
AED 25,000
RATE
3.49%
ANNUAL FEE
AED 2,100
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.
2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000 within 6 months
3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months
Overall an ability to earn upto 90,000 bonus skywards miles!
Key Features
Reward Features
Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates
- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 700
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 700
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 735
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.
2) Cummulative retail spends ( within 6 months): 20,000 skywards miles
Spend a minimum of AED 30,000 within 6 months
3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months
Overall an ability to earn upto 60,000 bonus skywards miles!
Key Features
Reward Features
Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
Reward Features
Lifestyle
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Supermarket (Domestic) | 4% | 200 |
| Dining | 4% | 200 |
| Fuel (Domestic) | 8% | 100 |
| Education | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
Travel
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Airlines | 4% | 200 |
| Hotels | 4% | 200 |
| Dining | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.
Things To Be Aware Of
The bank came into existence in 2004 with an aim to deliver the highest standards of banking services in accordance with the Sharia principles. Emirates Islamic offers a wide range of products designed for individuals, small businesses, and large corporations.
Islamic banking helps to contribute towards a more equitable distribution of income and wealth and increased equity participation in the economy. By utilizing Islamic financing tools like Murabaha, Ijarah and Takaful, the bank reduces the uncertainty in transactions and provide solutions that are right for the customers, whether they are an individual looking to save or a large corporation searching for a long-term partner. Emirates Islamic’s new brand reflects innovative approach to their commitment to delivering the best financial solutions in the market. Irrespective of what your financial needs are, the bank has the solutions that work for you.
The services and products offered are –
EIB’s Flex card is one of the best credit cards in UAE with its reward feature. EIB offers both Emirates Skywards and Etihad Guest cobrand cards for customers who prefer travel cards. They also offer cashback credit cards and Lifestyle credit cards. Their Emarati Credit card is unique and is quite popular in the Emirati community. Explore our Top 10 Emirates Islamic credit cards.
Emirates Islamic Credit Cards offer various enticing golf privileges to cardholders, depending on the card tier and associated benefits. Below is a detailed analysis of the offers extended to customers, including eligibility criteria, complimentary rounds, minimum retail spend requirements, and cancellation policies.
Offer Details by Card type:
Premium Credit Cards offered by Emirates Islamic: Skywards Black, Skywards Infinite, Etihad Guest Premium, Flex Elite:
Popular mid-range credit cards: Skywards Signature, Etihad Guest Saqer, Etihad Guest Ameera, Cashback Plus:
EXPO Card:
Evaluation of the Offers:
Generosity of Offers: The unlimited complimentary golf rounds offered with higher tier cards provide exceptional value to frequent golfers, while the 2 complimentary rounds offered with other cards cater to more occasional players
Minimum Retail Spend: The minimum retail spend requirements vary across card tiers, with higher tier cards requiring a higher spend threshold. This encourages increased card usage among customers.
Cancellation Policy: The policy of allowing two free cancellations per calendar month before imposing charges provides flexibility to cardholders while also incentivizing responsible use of the complimentary rounds.
Supplementary Card Eligibility: Allowing supplementary cardholders to benefit from the golf offers extends the value proposition to a wider customer base, enhancing customer satisfaction and loyalty.
Conclusion:
Overall, the golf offers extended to Emirates Islamic Credit Cardholders present an attractive proposition, catering to golf enthusiasts' diverse needs and preferences across different card tiers. The combination of complimentary rounds, minimum spend requirements, and cancellation policies ensures a balance between value delivery and responsible utilization of the benefits. Moreover, the inclusion of supplementary cardholders further enhances the accessibility and appeal of these offers, contributing to a positive customer experience and increased card usage.
In summary, Emirates Islamic Credit Cards' golf privileges serve as a compelling incentive for customers, reinforcing the card's value proposition and fostering long-term relationships with cardholders.
Emirates Islamic Credit Cards offers a range of enticing cinema benefits to cardholders, allowing them to enjoy exciting movie experiences at discounted rates or with exclusive offers. Below is a comprehensive review of the cinema benefits provided across various Emirates Islamic Credit Card products:
Cashback Plus Card, Cashback Card, Flex Credit Card, Skywards Signature Credit Card, Emarati Credit Card, RTA Credit Card, Switch Cashback Credit Card:
Offer: Maximum "Buy 1 Get 1" free tickets per month, up to 2 tickets.
Minimum Spend: AED 3,000 per calendar month.
Eligible Experiences: Valid for 2D and 3D Standard & Standard Plus experiences.
Skywards Infinite Credit Card, Flex Elite Credit Card:
Offer: Maximum "Buy 1 Get 1" free tickets per month, up to 3 tickets.
Minimum Spend: AED 5,000 per calendar month.
Eligible Experiences: Valid for 2D and 3D Standard & Standard Plus experiences.
Skywards Black Credit Card:
Offer: Enjoy up to 4 "Buy 1 Get 1" complimentary movie tickets each month at Vox Cinemas.
Minimum Spend: AED 5,000 per calendar month.
Eligible Experiences: Applicable on a wide range of movie experiences, including 2D Regular, 2D Premium View, 3D Regular, 3D Premium View, 2D MAX, 3D MAX, 2D IMAX, and 3D IMAX.
Review:
The cinema benefits offered by Emirates Islamic Credit Cards present attractive incentives for cardholders, enhancing their entertainment experiences while also providing value for their spending. Here's a breakdown of the key highlights:
Variety of Cards: With cinema offers available across multiple card products, Emirates Islamic caters to different customer segments and preferences, ensuring that a wide range of cardholders can benefit from discounted or complimentary movie tickets.
Generous Offers: The "Buy 1 Get 1" free ticket offer is a popular and valuable benefit, allowing cardholders to enjoy movies with friends or family members at reduced costs. The maximum number of free tickets per month varies based on the card tier, providing flexibility to match individual preferences and usage patterns.
Flexible Spending Requirements: The minimum retail spend thresholds required to unlock the cinema benefits are reasonable and achievable for many cardholders, providing opportunities to earn rewards while covering everyday expenses.
Eligible Experiences: The inclusion of various movie experiences, including 2D, 3D, Standard, and Premium View, ensures that cardholders have access to a diverse range of cinema options, catering to different preferences and tastes.
Exclusive Benefits: The Skywards Black Credit Card stands out with its enhanced cinema offer, providing up to 4 complimentary movie tickets per month at Vox Cinemas. This exclusive benefit adds significant value to the card and enhances the overall cardholder experience.
Conclusion:
In conclusion, the cinema benefits extended to Emirates Islamic Credit Cardholders add substantial value to the card products, enriching cardholders' entertainment experiences and incentivizing card usage. With a variety of offers available across different card tiers and flexible spending requirements, Emirates Islamic Credit Cards provide attractive incentives for movie enthusiasts to enjoy quality cinema experiences while maximizing their card benefits.
Emirates Islamic Credit Cards provide an array of enticing airport lounge benefits to cardholders, enhancing their travel experiences with access to over 1000 airport lounges worldwide. Here's a comprehensive review of the lounge offers across various Emirates Islamic Credit Card products:
Cashback Card, Flex Credit Card, Skywards Signature Credit Card, Emarati Credit Card, RTA Credit Card, Switch Cashback Credit Card:
Offer: Enjoy unlimited complimentary access to over 1000 airport lounges.
Eligibility: Cardholders need to register at www.loungekey.com.
First Visit: The first lounge visit in a calendar year is complimentary.
Subsequent Visits: For additional visits in the same calendar year, a minimum foreign currency spend of USD 1, or equivalent is required on both primary and supplementary cards 15 days prior to the lounge visit. Failure to meet this criterion results in a charge of US $27 per usage.
Guest Access: Accompanying guests incur a fee of US $27 per person per visit.
Skywards Infinite Credit Card, Flex Elite Credit Card, Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera:
Offer: Unlimited complimentary access to over 1000 airport lounges with a guest.
Eligibility and Conditions: Like the above-mentioned cards, with the inclusion of guest access at the same fee structure.
Skywards Black Credit Card:
Offer: Enjoy unlimited complimentary access for the cardholder and one guest to over 1000 airport lounges.
Eligibility and Conditions: Same as other cards, with the additional benefit of guest access.
Review:
The airport lounge offers on Emirates Islamic Credit Cards provide significant value to cardholders, offering a premium travel experience with access to exclusive lounges worldwide. Here are the key highlights of the lounge benefits:
Extensive Lounge Access: With access to over 1000 airport lounges globally, cardholders can enjoy luxury amenities, comfortable seating, complimentary refreshments, and other perks, enhancing their travel experience.
Unlimited Complimentary Visits: The provision of unlimited complimentary visits to airport lounges adds substantial value to the card products, allowing cardholders to relax and unwind before their flights without incurring additional charges.
Guest Access: The inclusion of guest access options allows cardholders to share the lounge experience with companions, enhancing the overall travel experience for both primary cardholders and their guests.
Flexible Eligibility Criteria: While a minimum spend requirement is necessary for subsequent visits in a calendar year, the criteria are reasonable and achievable for most cardholders, ensuring continued access to lounge benefits.
Convenient Registration Process: The registration process at www.loungekey.com is straightforward, providing cardholders with easy access to lounge benefits and enabling them to plan their travel arrangements seamlessly.
Conclusion:
In conclusion, the airport lounge offers on Emirates Islamic Credit Cards elevate the travel experience for cardholders, providing them with exclusive access to premium airport lounges worldwide. With unlimited complimentary visits, guest access options, and flexible eligibility criteria, these lounge benefits enhance the value proposition of Emirates Islamic Credit Cards, making them an attractive choice for frequent travelers seeking luxury and convenience during their journeys.
Emirates Islamic Credit Cards offer a range of airport transfer benefits to enhance the travel experience for cardholders. Let's delve into a detailed review of the airport transfer features across various Emirates Islamic Credit Card products:
Skywards Black Credit Card:
Offer: Enjoy up to 4 complimentary airport transfers per calendar year to or from Dubai airport.
Eligibility: Benefit available when Emirates Airways transaction is done using Emirates Islamic Skywards Black Credit Card, within the last 6 months, and the Emirates flight is scheduled on the date of the requested airport transfer (+/-12 hours).
Conditions: A minimum foreign currency spend of USD 1 or equivalent is required on both primary and supplementary cards 15 days prior to the lounge visit. Failure to meet this criteria results in a charge of US $27 per usage.
Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera:
Offer: Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
Eligibility: Available when an Etihad Airways transaction is done using Emirates Islamic Etihad Guest Credit Card, within the last 6 months, and the Etihad flight is scheduled on the date of the requested airport transfer (+/-12 hours).
Conditions: Similar to other cards, with additional charges applicable for exceeding the maximum complimentary transfer services.
The airport transfer features on Emirates Islamic Credit Cards offer valuable benefits to cardholders, enhancing their travel experiences with convenient and complimentary airport transfer services. Here's an overview of the key highlights:
Complimentary Transfers: Cardholders can enjoy a specified number of complimentary airport transfers per calendar year to or from designated airports, providing them with convenience and comfort during their travels.
Eligibility Criteria: The eligibility criteria are clearly defined, requiring specific transactions to be made within a specified timeframe to avail the airport transfer benefits, ensuring that cardholders meet the necessary conditions for accessing the services.
Additional Charges: While the initial transfers are complimentary, additional charges may apply if cardholders exceed the maximum complimentary transfer services or fail to meet the spend criteria, ensuring that the benefits are utilized responsibly.
Convenient Booking Process: The process for availing the airport transfer benefits is streamlined, allowing cardholders to easily request and schedule transfers in advance, enhancing the overall travel experience.
Conclusion:
In conclusion, the airport transfer features on Emirates Islamic Credit Cards offer significant value to cardholders, providing them with convenient and complimentary transfer services to enhance their travel experiences. With clear eligibility criteria and conditions, cardholders can leverage these benefits responsibly, ensuring a seamless and comfortable journey to and from the airport. Overall, these features contribute to making Emirates Islamic Credit Cards a preferred choice for travelers seeking convenience and luxury during their trips.
Emirates Islamic Credit Cards provide a range of benefits to cardholders, including valet parking services aimed at enhancing convenience and luxury. Let's explore and review the valet parking offers available across various Emirates Islamic Credit Card products:
Skywards Signature Credit Card:
Offer: Cardholders can enjoy 1 complimentary valet parking service per month at select locations across the UAE.
Eligibility: A minimum monthly retail spend of AED 3,000 on the card is required to avail of the benefit.
Conditions: If the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be billed to their credit card.
Skywards Infinite Credit Card:
Offer: Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
Eligibility: Cardholders must meet a minimum monthly retail spend of AED 5,000 on the card to avail the benefit.
Conditions: Like the Signature Credit Card, failure to meet the spend criteria or exceeding the maximum complimentary services will result in the actual service amount being billed to the credit card.
Flex Elite Credit Card:
Offer: Indulge in the convenience of 2 complimentary valet parking services each month at designated locations throughout the UAE.
Eligibility: A minimum monthly retail spend of AED 5,000 on the card is required to access this perk.
Conditions: As with other cards, if the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be charged to their credit card.
Emarati Credit Card:
Offer: Avail 2 complimentary valet parking services per month at selected locations across the UAE.
Eligibility: Every eligible Emarati Credit Card holder, including supplementary cardholders, can access this benefit.
Conditions: The same spend criteria and billing conditions apply as with other cards.
Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera:
Offer: Enjoy 1 complimentary valet parking service per month at select locations across the UAE.
Eligibility: Cardholders must meet the specified minimum monthly retail spend on their respective cards.
Conditions: Similar to other cards, if the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be billed to their credit card.
RTA Credit Card:
Offer: Cardholders can avail themselves of 1 complimentary valet parking service per month at select locations across the UAE.
Eligibility: A minimum monthly retail spend is required on the card to access this benefit.
Conditions: If the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be charged to their credit card.
Review:
The valet parking offers on Emirates Islamic Credit Cards provide cardholders with added convenience and luxury during their day-to-day activities. Here's a summary of the key highlights:
Complimentary Services: Cardholders can enjoy a specified number of complimentary valet parking services per month at select locations across the UAE, making it convenient for them to park their vehicles hassle-free.
Eligibility Criteria: Each card has specific eligibility criteria, such as minimum monthly retail spend, ensuring that cardholders who meet the spending requirements can access the valet parking benefits.
Billing Conditions: If cardholders fail to meet the spend criteria or exceed the maximum complimentary services, the actual service amount will be billed to their credit card, ensuring transparency and accountability.
Convenient Redemption Process: To access the valet parking benefits, cardholders simply need to present their Emirates Islamic Credit Card at the valet parking desk, making it easy and hassle-free to redeem the offer.
Conclusion:
In conclusion, the valet parking offers on Emirates Islamic Credit Cards provide cardholders with added convenience and luxury, allowing them to enjoy complimentary valet parking services at select locations across the UAE. With clear eligibility criteria and billing conditions, cardholders can access these benefits responsibly, enhancing their overall experience and making Emirates Islamic Credit Cards a preferred choice for those seeking convenience and luxury in their everyday activities.
Emirates Islamic offers an array of credit cards tailored to meet the diverse needs of its customers, each packed with enticing benefits and privileges. One such perk is the Meet and Greet service, which aims to enhance the travel experience by providing personalized assistance at the airport. Here, we'll delve into the details of this offer across various Emirates Islamic credit cards.
Overview of the Offer:
The Meet and Greet service is designed to streamline the airport experience by offering personalized assistance to cardholders. Whether it's navigating through the terminal, expediting security and immigration procedures, or assistance with baggage, this service aims to make travel hassle-free.
Eligibility and Conditions:
To avail of the Meet and Greet service, cardholders need to maintain a minimum monthly retail spend on their Emirates Islamic credit card. The required spend varies depending on the type of credit card, ranging from AED 3,000 to AED 5,000 per calendar month. Additionally, each cardholder is entitled to a specific number of complimentary Meet and Greet services per year, typically up to two services annually.
Billing and Charges:
If the minimum spend criteria are not met or if the cardholder exceeds the maximum complimentary service usage, their credit card will be billed with the applicable service fee. The fee structure varies across different credit cards and may also depend on the specific terms and conditions associated with each card.
Flex Credit Card: Offers up to 2 complimentary Meet and Greet services per year, with a minimum monthly spend requirement of AED 3,000.
Skywards Infinite Credit Card: Provides up to 2 complimentary Meet and Greet services annually, with a minimum monthly spend of AED 5,000.
Etihad Guest Premium Credit Card: Offers up to 2 complimentary Meet and Greet services per year, with a minimum monthly spend requirement of AED 5,000.
RTA Credit Card: Provides up to 2 complimentary Meet and Greet services per year, with a minimum monthly spend of AED 3,000.
Highlights:
Personalized assistance at the airport enhances the overall travel experience.
Complimentary services are provided as part of the credit card benefits.
Offers convenience and peace of mind, especially for frequent travelers.
Be watchful of:
Minimum monthly spending requirements may be a barrier for some cardholders.
Exceeding the maximum complimentary usage may result in additional charges.
Availability of the service may be subject to booking and scheduling constraints.
Conclusion:
The Meet and Greet service offered by Emirates Islamic credit cards is a valuable addition for travelers seeking convenience and comfort during their airport journey. While the eligibility criteria and charges vary across different credit cards, the overall benefit of personalized assistance remains consistent. For frequent flyers and those looking to elevate their travel experience, this service presents a compelling reason to consider Emirates Islamic credit cards. However, potential cardholders should carefully review the terms and conditions to ensure that the benefits align with their travel needs and spending habits.
Travel insurance is a valuable feature offered by many credit cards, providing numerous benefits and peace of mind to customers embarking on journeys near and far. This insurance coverage typically encompasses a range of protections tailored to travelers' needs, including medical emergencies, trip cancellations, lost baggage, and more.
One of the primary benefits of travel insurance offered on Emirates Islamic credit cards is the financial protection it offers against unexpected events. For instance, in the unfortunate event of a medical emergency, while traveling abroad, such insurance can cover medical expenses, hospitalization costs, and even emergency medical evacuation, which can be exorbitantly expensive without adequate coverage. Similarly, if a trip needs to be canceled or interrupted due to unforeseen circumstances such as illness, injury, or a natural disaster, travel insurance can reimburse non-refundable expenses such as flights, accommodations, and tour bookings.
Moreover, lost, or delayed baggage can be a significant inconvenience for travelers, but with travel insurance, cardholders can receive compensation for essential items and clothing purchases until their belongings are returned or replaced. Additionally, some credit card travel insurance policies extend coverage to rental car collisions, providing reimbursement for damage or theft, thus eliminating the need for separate rental car insurance.
Aside from financial protection, travel insurance also offers invaluable assistance services. This may include access to a 24/7 emergency hotline staffed by multilingual representatives who can provide guidance, assistance, and coordination in emergencies, such as locating medical facilities or arranging emergency transportation.
Another advantage of credit card travel insurance is its accessibility and ease of use. Unlike standalone travel insurance policies that may require separate purchases and documentation, coverage through credit cards is often automatic when travel expenses are paid for with the card. This simplifies the process for cardholders and ensures they have coverage without the hassle of additional paperwork or premiums.
In conclusion, travel insurance provided by credit cards is a valuable and convenient feature that offers comprehensive protection and assistance to travelers. By safeguarding against unforeseen events and offering peace of mind, it enhances the overall travel experience and allows cardholders to explore the world with confidence.
Cashback Card, Flex Credit Card, and RTA Credit Card, Skywards Signature Credit Card, Flex Elite Credit card, Emarati Credit Card, Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera, and Skywards Black Credit Card:
Travel Insurance: Automatically covered travel accident and travel inconvenience insurance on all trips of up to 90 days duration.
In summary, all the mentioned credit cards offer automatic travel accident and travel inconvenience insurance coverage for trips lasting up to 90 days duration.
The mentioned credit cards offer various levels of complimentary Marhaba Meet & Greet services, providing cardholders with personalized assistance and convenience at airports in Dubai and Abu Dhabi. Here's an overview of the offers:
Etihad Guest Ameera, Etihad Guest Premium, and Etihad Guest Saqer:
Offer: Up to 2 complimentary Marhaba Silver Meet & Greet (Dubai) or Salam Basic (Abu Dhabi) services per year.
Eligibility: Minimum monthly retail spend of AED 3,000 for Etihad Guest Ameera and Saqer, AED 5,000 for Etihad Guest Premium.
Billing: If spending criteria are not met or maximum complimentary service usage is exceeded, the applicable service fee is billed to the credit card.
Flex Elite Credit Card:
Offer: Up to 2 complimentary Marhaba Meet & Greet services annually.
Eligibility: Maintain a minimum monthly retail spend of AED 5,000.
Billing: If exceeding maximum complimentary service usage or not meeting spend criteria, the applicable service fee is billed to the credit card.
RTA Credit Card, Skywards Black Credit Card, Skywards Infinite Credit Card, Skywards Signature Credit Card, and Switch Cashback Credit Card:
Offer: Up to 2 complimentary Marhaba Meet & Greet services per year.
Eligibility: Minimum monthly retail spend of AED 3,000 for all mentioned cards.
Billing: Similar to other cards, if spending criteria are not met or maximum complimentary service usage is exceeded, the applicable service fee is billed to the credit card.
Overall, these credit cards provide added value to travelers by offering complimentary meet and greet services, enhancing their airport experience with personalized assistance, provided certain spending requirements are met.
| Popular Cards from Emirates Islamic Bank (EIB) | Income Eligibility | Annual Fee | Interest / Profit Rate |
|---|---|---|---|
| Emirates Islamic Cashback Card | AED 5,000 | AED 350 | 3.49% |
| Emirates Islamic Cashback Plus Card | AED 12,000 | AED 299 | 3.49% |
| Emirates Islamic Emarati Credit Card | AED 12,000 | AED 0 | 3.39% |
| Emirates Islamic Etihad Guest Ameera | AED 10,000 | AED 733 | 3.49% |
| Emirates Islamic Etihad Guest Platinum | AED 5,000 | AED 199 | 3.49% |
| Emirates Islamic Etihad Guest Premium | AED 15,000 | AED 1500 | 3.49% |
| Emirates Islamic Etihad Guest Saqer | AED 10,000 | AED 899 | 3.49% |
| Emirates Islamic Flex Credit Card | AED 5,000 | AED 0 | 3.49% |
| Emirates Islamic RTA Credit Card | AED 5,000 | AED 0 | 3.49% |
| Emirates Islamic Skywards Black Credit Card | AED 35,000 | AED 4200 | 3.25% |
| Emirates Islamic Skywards Infinite Credit Card | AED 25,000 | AED 2100 | 3.49% |
| Emirates Islamic Skywards Platinum Credit Card | AED 5,000 | AED 700 | 3.25% |
| Emirates Islamic Skywards Signature Credit Card | AED 12,000 | AED 735 | 3.49% |
| Emirates Islamic Switch Cashback Credit Card | AED 5,000 | AED 314 | 3.69% |
One can apply for Emirates Islamic Bank credit cards in UAE through
Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.
Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most credit card and personal finance options. The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based tool can show customers which cards can save maximum Dhirams based on their customized spend.
EIB cards offer features such as Complimentary Movies, Golf, Valet parking, Airport Lounge access, Travel Insurance, Purchase Protection, Extended Warranty and so on. While some cards are loaded with features, one can refer to Emirates Islamic Bank credit page on Soulwallet to understand the specific features of cards
Yes, Emirates Islamic Bank credit cards such as Cashback, Cashback plus and RTA cards offer cashback on the spend. These are popular Cashback credit cards in the UAE.
Emirates Islamic Credit Cards offer various golf privileges depending on the card tier/ type, including complimentary rounds, minimum retail spend requirements, and cancellation policies.
Emirates Islamic offers unlimited complimentary golf on its premium credit cards such as Skywards Black, Skywards Infinite, Etihad Guest Premium, and Flex Elite, while credit cards such as Skywards Signature, Etihad Guest Saqer, Etihad Guest Ameera, and Cashback Plus offer 2 complimentary rounds as of April 2024. The offer is subject to change.
Premium Credit Cards, such as Skywards Black, Skywards Infinite, Etihad Guest Premium, and Flex Elite, offer unlimited complimentary golf rounds with a minimum retail spend of AED 10,000 per calendar month.
Mid-range credit cards like Skywards Signature, Etihad Guest Saqer, Etihad Guest Ameera, and Cashback Plus offer 2 complimentary rounds of golf with a minimum retail spend of AED 5,000 per calendar month.
No, both Premium and mid-range credit cards allow two free cancellations per calendar month. However, subsequent cancellations incur a fee of AED 250 per cancellation.
Yes, supplementary cardholders are eligible for the golf privileges offered by Emirates Islamic Credit Cards. They need to register their cards separately to avail themselves of the offer.
The unlimited complimentary golf rounds offered with Premium Credit Cards cater to frequent golfers, while mid-range credit cards provide 2 complimentary rounds for more occasional players.
The minimum retail spend requirement encourages increased card usage among customers to qualify for golf privileges.
Emirates Islamic Credit Cards offer "Buy 1 Get 1" free movie tickets at Reel Cinema, with varying maximum limits per month depending on the card type.
Cards eligible for the cinema offers include Cashback Plus Card, Cashback Card, Flex Credit Card, Skywards Signature Credit Card, Emarati Credit Card, RTA Credit Card, Switch Cashback Credit Card, Skywards Infinite Credit Card, Flex Elite Credit Card, and Skywards Black Credit Card.
The number of free movie tickets per month varies depending on the card tier, ranging from 2 tickets for some cards to 4 tickets for others.
The minimum spend requirement for the cinema offers is AED 3,000 per calendar month for some cards and AED 5,000 per calendar month for others.
The cinema offers are valid for 2D and 3D Standard & Standard Plus experiences across all eligible cards.
The cinema benefits are generally applicable to standard movie screenings and may not be valid for special events or screenings.
To avail of the cinema benefits, simply use your Emirates Islamic Credit Card to purchase movie tickets, and the discount or complimentary ticket will be applied automatically based on the card's offer.
There are typically no blackout dates for using the cinema benefits; however, availability may vary depending on the cinema's schedule and ticket availability.
The cinema benefits offered by Emirates Islamic Credit Cards may not be combined with other promotions or discounts unless specified by the cinema's terms and conditions.
You can track your cinema benefit usage and monitor your eligibility through your Emirates Islamic Credit Card account statement or online banking portal.
Emirates Islamic Credit Cards provide access to over 1000 airport lounges worldwide, offering cardholders a premium travel experience
Cardholders need to register at www.loungekey.com to access airport lounges with their Emirates Islamic Credit Cards.
The first lounge visit in a calendar year is complimentary for Emirates Islamic Credit Cardholders.
For additional visits in the same calendar year, cardholders must have a minimum foreign currency spend of USD 1 or equivalent on both primary and supplementary cards 15 days prior to the lounge visit.
Failure to meet the minimum spend criterion results in a charge of US $27 per usage for additional lounge visits
Yes, accompanying guests are allowed at a fee of US $27 per person per visit for most Emirates Islamic Credit Cards.
No, lounge access benefits may vary depending on the specific Emirates Islamic Credit Card. Higher-tier cards like Skywards Black may offer additional benefits such as guest access.
Most Emirates Islamic Credit Cards offer unlimited complimentary lounge visits, providing cardholders with flexibility and convenience during their travels.
Ensure that you meet the eligibility criteria, including registration at www.loungekey.com, and fulfill any minimum spend requirements for subsequent lounge visits.
Yes, both primary and supplementary cardholders can enjoy the airport lounge benefits offered by Emirates Islamic Credit Cards, subject to meeting the eligibility criteria and any associated fees for guest access.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
We gather this information to assist you better and track your progress with the credit card application.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
