+971

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • Extensive premium luxury lifestyle benefits
  • Premium travel benefits
  • Premium card with no annual fee

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • International concierge services
  • Visa fine dining offers
  • Emergency Merchant Authorization service
  • Exclusive Visa Infinite Privileges
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 60 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility

Reward Features

Earn Wala'a Dirhams

Earn 0.5% on all retail spends.  Redeem Wala'a Dirhams for flight tickets, bill payments and more.

Things To Be Aware Of

  • Only for DIB Wajaha customers
  • Has a monthly subscription fee of AED1000 (no interest rate)

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 75,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium Lifestyle benefits

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

  • Earn up to 75,000 bonus Skywards Miles with the Emirates Skywards DIB Infinite Credit Card
  • 25,000 bonus Miles on card activation.
  • 25,000 bonus Miles when you spend an equivalent of USD 20,000 or more in the first 4 card statements.
  • 25,000 bonus Miles on balance transfer.

Key Features

  • Earn up to 75,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary Emirates Skywards Silver membership
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary access to over 850+ VIP lounges globally for cardholder plus a guest
  • Easy 0% payment plan on Emirates tickets
  • Enjoy 25% dining discounts on online orders through Zomato
  • Complimentary access to the Emirates Towers Health Club
  • Luxury Hotel Collection offers from Visa
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Skyward Miles per 1 USD of spend:

  • Earn 2 Skyward Miles on all Emirates spends
  • Earn 1.5 Skyward Miles on all foreign currency spends
  • Earn 1 Skyward Mile on all local currency spends

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 30,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn up to 30,000 bonus Skywards Miles with the Emirates Skywards DIB Signature Credit Card:

  • 15,000 bonus Miles on card activation

  • 15,000 bonus Miles on balance transfer

Key Features

  • Earn up to 30,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary access to over 850+ VIP lounges globally for cardholder
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Easy 0% payment plan on Emirates tickets
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary international concierge services
  • Complimentary travel insurance with cover up to US $500,000
  • Enjoy 25% dining discounts on online orders through Zomato
  • Luxury Hotel Collection offers from Visa
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Skyward Miles for every 1 USD spend:

  • Earn 1.5 Skyward Miles on all Emirates spends
  • Earn 1 Skyward Mile on all foreign currency spends
  • Earn 0.75 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Extensive premium luxury lifestyle benefits
  • Premium travel benefits
  • Premium card with no annual fee

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Visa fine dining offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Exclusive Visa Infinite Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

  • Earn 1.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Premium lifestyle benefits
  • Premium travel benefits
  • No annual fee

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus Visa fine dining offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive Visa Signature Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $500,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn Wala'a Dirhams

  • Earn 3.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Free for life
  • Earn EI SmartMiles on all your purchases
  • Multiple cards for partners & employees
  • Unlimited complimentary airport lounge access

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Multiple cards for your partners and your employees
  • Better control on business expenses such as business travel, dining, utility bill payments and much more
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • 0% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Cash-On-Call facility through 24/7 phone banking service.
  • Earn EI SmartMiles on all your purchases
  • Wide range of redemption options - flights, hotels and other retail transactions
  • Easy payment plans for better cash flow management
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • Fine Dining Discounts
  • Kaligo Business Discounts
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Balance transfer facility on existing business credit cards from other banks
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 10% cashback on Groceries, Education, Dining & Telecom
  • Unlimited complimentary access to over 1,000 airport lounges
  • Complimentary Golf any day of the week
  • 1 complimentary valet parking service per month
  • AED 500 Noon Voucher ( T&Cs apply)

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

  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • Complilmentary cinema offers at Reel cinemas - Buy1 and Get 1 Free
  • Auto top-up facility on Salik and Nol
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Discounts on hotel bookings
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration

Reward Features

Earn cashback on your Emirates Islamic Cashback Plus Credit Card

Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:

  • Up to AED 2,999 - 0% cashback
  • Between AED 3,000 & AED 9,999 - 3% cashback
  • Between AED 10,000 & AED 17,499 - 5% cashback
  • Above AED 17,500 - 10% cashback

Maximum Cash Back Per Month - AED 200 for above categories.

Things To Be Aware Of

  • AED 3000 minimum should be spend to earn cashback
  • For telecom spends on this card use direct payment channels
  • Cashback points Redemption is done via Online/Mob Banking

MINIMUM SALARY

AED 12,000

RATE

3.39%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • No annual membership fee
  • Get EI Smart Miles worth up to AED 750*
  • Get 50% discount on Talabat food order.
  • Enjoy complimentary valet parking at Dubai Mall

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

  • Welcome bonus up to 75,000 EI SmartMiles*.
  • Exclusive for UAE nationals.
  • No Annual Membership Fee.
  • Earn up to 3.75 EI SmartMiles per AED 1 spent.
  • "Instant Purchase" feature to redeem your EI SmartMiles against any purchase at any merchant.
  • 50% discount on talabat food orders.
  • Up to 50% discount on padel games.
  • Buy 1 Get 1 complimentary movie ticket at Roxy Cinemas.
  • Complimentary valet parking at The Dubai Mall, Mall of the Emirates and more.
  • Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.
  • Choice to exchange EI SmartMiles with Upoints By Emaar, Emirates Skywards, Etihad Guest.
  • Complimentary airport lounge access.

Reward Features

Earn EI SmartMiles on your Emirates Islamic Emarati Credit Card
Earn unlimited miles and redeem with no blackout dates: 

  • Earn 2.5 EI SmartMiles per AED 1 of domestic spend
  • Earn 3.75 EI SmartMiles per AED 1 of international spend
  • Govt services including utility & mobile bills earn 0.5 EI SMartMiles per AED 1 of spend

Things To Be Aware Of

  • This card is exclusively for UAE nationals

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Extensive premium lifestyle & travel benefits
  • Up to 3.75 EI SmartMiles per AED 1 spend
  • Complimentary unlimited access to 1000 lounges worldwide
  • 2 complimentary valet parking service per month

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

 

You can redeem your EI SmartMiles

  • With the instant purchase feature against any purchase, across the globe
  • At over 300 airlines and more than 180,000 hotels worldwide
  • For latest electronics or for gift vouchers at our online marketplace
  • Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

6,500 EI SmartMiles = 1,000 Upoints By Emaar
7,500 EI SmartMiles = 5,000 Etisalat Smiles

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

10,000 EI SmartMiles= 1,750 Avios

 

Miles will be transferred within 5 working days

Things To Be Aware Of

  • Specific categories of spend have lower earn rates
  • Welcome miles will be given once AMF is paid

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 90,000 bonus skywards miles
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • Up to 2 Skywards Miles per USD equivalent spent

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

  • Enjoy unlimited complimentary access to over 1000 airport lounges for cardholder and a guest
  • Up to 3 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy unlimited complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Infinite Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits

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

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 60,000 bonus skywards miles
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Up to 1.5 Skywards Miles per USD equivalent spent

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

  • Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to exclusive Visa Signature benefits

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Earn cashback on all spends
  • Lifestyle benefits (valet parking, airport drops etc.)

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Complimentary U by Emaar loyalty program membership
  • Earn 1.25% cashback on local spends & 2% on international spends
  • Unlimited access to over 25 Regional and International Airport lounges
  • Complimentary workouts at select gyms in Dubai & Abu Dhabi
  • Free round of golf at Arabian Ranches Dubai
  • 2 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • 2 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1.25% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • No annual fee
  • Earn cashback on all spends

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Earn 1% cashback on local spends & 2% on international spends
  • Unlimited access to selected airport lounges across Egypt, Jordan, Kuwait, Saudi Arabia & UAE
  • 1 free valet parking service per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Earn cashback on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 4 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 3 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on your local spends
  • Earn 2% cashback on your international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • No annual fee in 1st year
  • FlySmiLes Silver Tier privileges

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Get 10,000 bonus miles with Srilankan airlines
  • Earn 1 FlySmiLe for every US Dollar spent
  • FlySmiLes Silver tier privileges
  • 2 Complimentary visits to select airport lounges worldwide
  • Unlimited complimentary access to Marhaba Lounges across airports in the Middle East
  • oneworld airline alliance’s Frequent Flyer Programme

Reward Features

Earn FlySmiLes

Earn 1 FlySmiLe for every US Dollar spent.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 300

MINIMUM SALARY

AED 5,000

RATE

3.45

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Air Miles
  • Shariah compliant fixed-fee card
  • Earn 360° rewards on all spends

MINIMUM SALARY

AED 5,000

RATE

3.45

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn 1 Reward Point for every $1 spent
  • Shariah Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • Mastercard Priceless Cities Offers
  • Unlimited access at over 10 lounges across Middle East & Levant
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Rewards for every spend on your Standard Chartered Saadiq Platinum credit card

  • Earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card
  • Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. 
  • Earn 0.1 360° Reward Points for every US $1 spent on groceries, utilities, education, property rentals & real estate agent payments

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter