Emirates Islamic Emarati Credit Card

Emirates Islamic
Emarati Credit Card

Minimum Salary AED 12000
Annual Fee AED 0
Rate 2.49%
Cash Advance 3% /Min 99
Non AED Transaction Fee 2.99%
Minimum Salary AED 12000
Annual Fee AED 0
Rate 2.49%
Cash Advance 3.00% /Min 99
Non AED Transaction Fee 2.99%

Top Reasons To Choose

  • Amazon gift card worth AED 1000 as joining offer
  • Free for life credit card
  • Designed exclusively for UAE nationals

Things To Be Aware Of

  • Thsi card is exclusively for UAE nationals

Designed exclusively for UAE Nationals, the Emarati Credit Card brings you a wide range of lifestyle and travel benefits like never before. Get an Emirates Islamic Emarati Credit Card and enjoy 10% cash back on dining worldwide, welcome bonus miles, free valet parking, complimentary airport lounge access and much more. Apply online now!

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


Joining Offers

Emarati Credit Cards will be eligible for AED 1,000 Amazon.ae Gift Card and a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.

Detailed Features

Emirates Islamic Emarati Credit Card is designed exclusively for UAE Nationals

EI SmartMiles redemption
  • Exchange EI SmartMiles with Etihad Guest Miles and enjoy the best conversion rate in the market
  • Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide
  • Shop with your EI SmartMiles anytime, anywhere using the new “Instant Purchase” feature
  • Miles Exchange with our partner’s frequent flyer programmes Etihad Guest and JetPrivilege
  • A wide range of shopping options with our online market place  
Complimentary Cinema Offer
Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week

Emirates Islamic Emarati credit card is Free for life 

Airport Lounge access
Complimentary unlimited access to over 1000 airport lounges worldwide.

Free valet parking in the below loactions across Dubai and Abudhabi.
2 free per month at:  
  • Dubai: Dubai Int.Airports (T1 & T3), Dubai Courts, The beach - 1 hour
  • Abu Dhabi: Abu Dhabi Municipality - 1 hour
  • Dubai: City Walk 1 - 3 hours
  • Dubai: Wafi City, Ibn Battuta Mall, Dubai Creek Golf & Yacht Club, Mirdif City Centre - Entire day
  • Abu Dhabi: Yas Mall, Marina Mall, Khalidiyah Mall, Deerfields Mall, Mushrif Mall - Entire day

Complimentary Access to Dubai Ladies Club and Shajrah Ladies Club

You can avail complimentary access to Dubai Ladies Club & Sharjah Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.

Meet and Greet Silver Service

Enjoy up to 2 complimentary Marhaba Meet & Greet services per year. A minimum monthly (calendar month) retail spend of AED 5,000 is required on your card to avail the benefit. If the spend criteria is not met or on exceeding the maximum complimentary service usage, your credit card will be billed with the applicable service fee.

Visa PayWave
New, convenient, faster and safer way to pay.

Travel Insurance

  • Personal Accident Benefits up to US$ 500,000 (International)
  • Personal Accident Benefits up to US$ 50,000 (Domestic)
  • Emergency Medical Expenses up to US$ 150,000
  • Evacuation and Repatriation Expenses up to US$ 500,000
  • Hospital Daily Cash $50 per day up to US$ 1,500
  • Trip cancellation/curtailment up to US$ 5,000
  • Delayed departure US$ 42 per hour up to US$ 1,000
  • Baggage delay US$ 42 per hour up to US$ 500
  • Loss of personal belongings up to US$ 150
  • Covers cardholder, spouse and up to 5 children; age limit of 75 for all
Purchase Protection
  • Protects against the theft or accidental damage of purchased items
  • New item purchases only
  • Coverage for a maximum of 365 days from date of purchase
  • Maximum of 48 hours from date of incident to submit a claim
  • Cardholder must report within 24 hours in case of theft
Extended Warranty
Doubles the repair period offered by the original manufacturer ’s warranty for up to 1 year, protecting you against the cost of repair and replacement of an item.

Global Concierge
Servicing in English, Arabic, and French, concierge can help with:
  • Restaurant advice
  • Booking tables, including those that are hard-to-get
  • Travel arrangements: booking flights, hotels, car rental, hotel transfers, tourist advice
  • Shopping recommendations, sourcing a product
  • Arranging a special gift, sending flowers

Visa Luxury Hotel Collection (VLHC)
VLHC is composed of over 900 intriguing and prestigious properties. Offering:
  • Best available rate guarantee
  • Automatic room Upgrade upon arrival
  • Complimentary in-room Wi-Fi
  • Complimentary continental breakfast daily
  • $25 USD food or beverage credit
  • VIP guest status
  • 3pm check out upon request
Best Golf Offers
Discounts ranging from 5% to 20% at various golf clubs in UAE.

Apply Now

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