| Popular Cards from Emirates Islamic Bank (EIB) | Income Eligibility | Annual Fee | Interest / Profit Rate |
|---|---|---|---|
| Emirates Islamic Business Card | AED 10,000 | AED 0 | 3.25% |
| 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 Etihad Guest Ameera | AED 10,000 | AED 699 | 3.49% |
| Emirates Islamic Etihad Guest Platinum | AED 5,000 | AED 199 | 3.49% |
| Emirates Islamic Etihad Guest Premium | AED 15,000 | AED 1,500 | 3.49% |
| Emirates Islamic Etihad Guest Saqer | AED 10,000 | AED 899 | 3.49% |
| Emirates Islamic Flex Elite Credit Card | AED 15,000 | AED 700 | 3.49% |
| Emirates Islamic RTA Credit Card | AED 5,000 | AED 0 | 3.49% |
| Emirates Islamic Skywards Gold Credit Card | AED 5,000 | AED 400 | 3.25% |
| Emirates Islamic Skywards Platinum Credit Card | AED 5,000 | AED 700 | 3.25% |
| Emirates Islamic Skywards Signature Credit Card | AED 12,000 | AED 735 | 3.25% |
| Emirates Islamic Union Coop Tamayaz Card | AED 5,000 | AED 0 | 3.49% |
| Emirates NBD MasterCard Titanium Credit Card | AED 5,000 | AED 0 | 3.25% |
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 5,000
RATE
3.49%
ANNUAL FEE
AED 350
- Golf offers
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
- 10% cashback on telecom expenses
- 5% cashback on electronic expense
- Earn cashback on all spends
- No fee if annual spend is above AED 5,000
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
Key Features
- 10% guaranteed cash back on telecom expenses
- 5% guaranteed cash back on electronic purchases
- 1% guaranteed cash back on all other transactions
- 10 tiickets under Buy1 get 1 at vox and 20% off at Roxy
- No minimum spend criteria for earning cash back rewards
- Free for life card based on annual spend of AED 5000
- Mazaya Offers Programme
- 8% discount on hotel bookings made at Hotels.com
- Access to over 200 airport restaurant offers globally
- Visa Luxury Hotel collection offers
- Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
- Balance transfer facility
- Purchase protection
- 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
- Extended warranty & purchase protection on purchases made on the card
- Medical & Legal referral assistance
- 4 free months of Anghami Plus
Reward Features
Earn Cashback on your Emirates Islamic Cashback Card
- 10% cashback on telecom expenses (capped at AED 100)
- 5% cash back on electronic purchases (capped at AED 100)
- 1% guaranteed cash back on all other local and international transactions
- No minimum spend criteria for earning cash back rewards
Things To Be Aware Of
- Cashback categories have maximum caps
- Cashback redemption is done via Online/Mob Banking
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
- Earn up to 10% cashback on specific categories
- Embedded Nol chip for RTA benefits
- Umlimited Lounge Access
- Complimentary Golf any day of the week
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Cashback Plus Free for life- offer expires on 31st December 2020
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
- Gold Class Cabin access
- Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
- 8% discount on hotel bookings made at Hotels.com
- 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 2,499 - 0% cashback
- Between AED 2,500 & AED 7,499 - 3% cashback
- Between AED 7,500 & AED 14,999 - 5% cashback
- Above AED 15,000 - 10% cashback
Maximum Cash Back Per Month - AED 200 for above categories, except Education as the cap is AED400.
Things To Be Aware Of
- AED 2500 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 10,000
RATE
3.49%
ANNUAL FEE
AED 699
- Golf offers
- Cinema Tickets
- Airport Lounge Access
- Airport Chauffeur Services
- Purchase Protection
- Extended Warranty
- Fast-Track Etihad Guest Silver Tier Status
- Up to 3 Etihad Guest Miles per USD spent
- Choice of two category spends to earn more miles
- Unlimited 20% miles back on flight redemptions & upgrades
- Up to 110,000 Etihad Guest bonus Miles & AED 699 cashback
MINIMUM SALARY
AED 10,000
RATE
3.49%
ANNUAL FEE
AED 699
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / Min AED103
Joining Offers
Welcome bonus of 70,000 Etihad Guest Miles upon payment of Annual Membership Fee.
Earn 40,000 Etihad Guest Miles along with the AMF of AED 699 on meeting spend of AED 35,000 in six months.
Key Features
- Fast-Track to Etihad Guest Silver Tier Status. Enjoy 2 complimentary wifi vouchers every membership year.
- Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
- Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
- Enjoy unlimited complimentary access to over 1000 airport lounges.
- Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.The maximum cashback a cardholder can earn is AED 75 per month.
- Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
- Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Etihad Guest Ameera card at the valet parking desk.
- Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.
- When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
- No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
- Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge hotlines.
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.
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 199
- Cinema Tickets
- Balance Transfer
- Purchase Protection
- Extended Warranty
- Air Miles
- Up to 2 Etihad Guest Miles per USD spent
- Unlimited 10% miles back on flight redemptions & upgrades
- Discounts on dining, travel, hotels and shopping
- Get up to 50,000 Etihad Guest bonus Miles & AED 199 cashback
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
Joining Offers
Welcome bonus of 30,000 Etihad Guest Miles upon payment of Annual Membership Fee. Addtional 20,000miles along with AMF of AED 199 on spending 20,000 within 6 months.
Key Features
- Unlimited 10% Miles back on booking/upgrading a flight with Etihad Guest Miles
- 0% Easy Payment Plan on Etihad purchases
- Convert your purchases made at etihad.com into convenient monthly installments, of 3 or 6 months. Processing fee of 2% will be applied.
- Complimentary Inflight wifi vouchers
- Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.
- Extended Warranty Luxury Hotel Collection
- Global Assistance
- Purchase Protection time you make a purchase.
- Balance Transfer Facility
- Cash Advance
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 1,500
- Golf offers
- Valet Parking
- Cinema Tickets
- Dining Offers
- Airport Lounge Access
- Travel Insurance
- Airport Chauffeur Services
- Purchase Protection
- Extended Warranty
- Fast-Track Etihad Guest Gold Tier Status
- Up to 3.5 Etihad Guest Miles per USD spent
- Choice of two category spends to earn more miles
- Unlimited 50% miles back on flight redemptions & upgrades
- Upto 175,000 Etihad Guest bonus Miles & AED 1,500 cashback
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 100,000 Etihad Guest Miles as welcome bonus up on payment of Annual Membership Fee. Earn 75000 Etihad Guest miles on spending AED 60000 in six months and get AED 1500 cashback.
Key Features
- Fast-Track to Etihad Guest Gold Tier Status
- Unlimited 50% Miles back on booking/upgrading a flight with Etihad Guest Miles
- 4 Complimentary Inflight wifi vouchers every membership year
- Up to 4 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
- 0% Easy Payment Plan on Etihad purchases
- Enjoy unlimited complimentary access to over 1000 airport lounges with a guest
- 50% cashback on Cinema tickets, any day of the week. The maximum cashback a cardholder can earn is AED 100 per month.
- Enjoy unlimited complimentary golf rounds at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
- Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
- Covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate
- Enjoy a coverage of USD 7,500 per occurrence & USD 20,000 per year. For further assistance, please call one of the numbers
- VISA International to bring you exclusive discounts and special offers. Your Etihad Guest Visa Infinite Credit Card privileges connect you to a world of even changing luxury
- Use your Emirates Islamic Etihad Guest Visa Infinite card to pay for your purchases to get Extended Warranty.
- Now you can really save big time with your Etihad Guest Visa Infinite Credit Card balance transfer facility.
- Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online.
- No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
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
- Golf offers
- Valet Parking
- Cinema Tickets
- Airport Lounge Access
- Airport Chauffeur Services
- Purchase Protection
- Extended Warranty
- Fast-Track Etihad Guest Silver Tier Status
- Up to 3 Etihad Guest Miles per USD spent
- Choice of two category spends to earn more miles
- 20% miles back on flight redemptions & upgrades
- Get upto 110,000 Etihad Guest bonus Miles & AED 899 cashback
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
Welcome bonus of 70,000 Etihad Guest Miles upon payment of Annual Membership Fee. 40,000 Etihad Guest Miles + AED 899 on meeting the spend criteria of AED 35000 in six months.
Key Features
- Fast-Track to Etihad Guest Silver Tier Status
- Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
- Enjoy 2 complimentary wifi vouchers every membership year.
- Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
- Enjoy unlimited complimentary access to over 1000 airport lounges.
- Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week. Maximum cashback is AED 75 per month
- Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. A retail spend of AED 5000 is required
- Enjoy 1 complimentary valet parking services per month at select locations across the UAE. A retail spend of AED 3,000 is required on your card to avail the benefit.
- Multi trip travel Insurance
- Purchase protection provides you with additional peace of mind every time you make a purchase
- Extended Warranty up to one year from the expiry date of the original warranty.
- No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
- Global Concierge: take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day
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
- This card joining offer is only for UAE Nationals
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 700
- Golf offers
- Valet Parking
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Airport Lounge Access
- Travel Insurance
- Purchase Protection
- Extended Warranty
- Contactless Tech
- Air Miles
- Welcome bonus of 150,000 EI SmartMiles worth AED 1,500
- Get up to 3.75% back per AED (in form of SmartMiles)
- Complimentary Unlimited access to 1000 lounges worlwide
- Free Valet Parking
- Extensive premium lifestyle & travel benefits
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 700
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.
Key Features
- Welcome bonus of 150,000 EI SmartMiles worth AED 1,500
- 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 2.5 EI Smart Miles per AED on local transactions.
Earn Upto 3.75 EI Smart Miles per AED on international 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.
10,000 EI SmartMiles= 1,000 Emirates Skywards Miles
10,000 EI SmartMiles= 2,500 Etihad Miles
20,000 EI SmartMiles = 4,000 InterMiles
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 5,000
RATE
3.49%
ANNUAL FEE
AED 0
- Golf offers
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
- Cashback on all local and international transactions
- Free for life
- Additional Cashback on Fuel and RTA payments
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
Key Features
- 10% cash back on fuel spends
- 10% cash back on RTA transport payments
- 2.25% cash back on international spends
- 1.25% cash back on all other spends
- Visa Luxury Hotel collection offers
- Access to over 200 airport restaurant offers globally
- Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
- 10 tickets under Buy1 get 1 at VOX and 20% off at Roxy
- 8% discount on hotel bookings made at Hotels.com
- Auto Top-up facility for NOL and Salik Accounts
- Use your card like the RTA Nol Card
- Purchase protection
- 4 free months of Anghami Plus
- 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
- Extended warranty & purchase protection on purchases made on the card
- Emergency medical & legal referral service
- Mazaya offers
Reward Features
Earn upto 1.25% cashback per AED 1 on domestic spend
Earn upto 2.25% cashback per AED 1 on international spend
Earn 10% cash back on fuel spends (max AED 100 p.m)
Earn 10% cash back on RTA transport payments (max AED 100 p.m)
Things To Be Aware Of
- Bonus cashback categories have maximum caps
- Need to call the bank to redeem cashback
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 400
- Balance Transfer
- Earn Skywards Miles on all spends
- Dining & shopping discounts in dubai and across UAE
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 400
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Key Features
- Enjoy earning Miles for every USD 1 spend
- Mazaya Offers Programme
- Balance transfer facility
- 8% discount on hotel bookings made at Hotels.com
Things To Be Aware Of
- Skywards Miles will not be earned for some categories
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 700
- Golf offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
- Earn Skywards Miles on all spends
- Double Miles on spends at Emirates Airlines
- Complimentary golf offers
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
- Enjoy earning Miles for every USD 1 spend on all local and international transactions
- Additional Skywards Miles for all spends at Emirates Airlines
- Access to over 200 airport restaurant offers globally
- Visa Luxury Hotel collection offers
- 8% discount on hotel bookings made at Hotels.com
- Mazaya Offers Programme
- Exclusive golf offers
- Extended warranty & purchase protection on purchases made on the card
- Balance transfer facility
- Golf offers across the globe
- 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
- 4 free months of Anghami Plus
Reward Features
- Earn 0.6 Miles for every USD 1 spent on local transactions
- Earn 0.75 Miles for every USD 1 spent on international transactions
- Earn 1 Mile for every USD 1 spent on all Emirates Airlines transactions
Things To Be Aware Of
- Specific categories of spend have lower earn rates
MINIMUM SALARY
AED 12,000
RATE
3.25%
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
- Enjoy earning Miles for every USD 1 spend
- Double Skywards Miles for every transaction at Emirates
- Two rounds of Complimentary golf any day of the week
- 1 complimentary valet parking service per month
- Unlimited complimentary access to over 1000+ airport lounges
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Sign up for an Emirates Islamic Skywards Credit Card and enjoy 50% Cashback up to AED 1,000 on your first spend with Emirates Airline.
Key Features
- Earn EI SmartMiles for every retail spend on your card
- Earn double Skyward Miles for spends at Emirates Airlines
- Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week at Reel Cinemas. This benefit requires a minimum spend of AED 3000 per month.
- 1 Complimentary Valet Parking Service a month at select location
- Enjoy 15% off on Emaar locations
- Earn additional Skyward Miles with ExtraMiles App
- Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
- Mazaya Offers Programme
- Visa Luxury Hotel collection offers
- Complimentary rounds twice a month at the Arabian Ranches or Track Meydan. Discounts at 14 clubs in UAE and Muscat
- Balance transfer facility
- Medical & Legal referral assistance
- Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
- 24-hour personalised premium concierge service
- 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
- 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
Reward Features
On your Emirates Islamic Skywards Signature credit card earn Emirates Skywards Miles on all spends
- Earn 0.75 Miles for every USD 1 spent on local transactions
- Earn 1.1 Miles for every USD 1 spent on international transactions
- Earn 1.5 Miles for every USD 1 spent on all Emirates Airlines transactions
- Earn additional Skyward Miles with ExtraMiles App
Things To Be Aware Of
- Specific categories of spend have lower earn rates
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
- Golf offers
- Valet Parking
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
- Contactless Tech
- Welcome bonus of 6000 Tamayaz points
- Free for life
- Free Valet Parking
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
Welcome bonus of 6,000 Tamayaz Points
Key Features
- Complimentary welcome bonus of 6,000 Tamayaz Points
- 10 tickets under Buy1 get 1 at Vox and 20% off at Roxy
- Up to 3 Tamayaz Points for every Dirham spent at Union Coop store
- Tamayaz Points earned on all local and international transactions
- Redeem Tamayaz Points against purchases at Union Coop stores
- One free valet parking every month at select locations
- Access to over 200 airport restaurant offers globally
- Visa Luxury Hotel collection offers
- 8% discount on hotel bookings made at Hotels.com
- Free for life card
- Tap and pay experience with Visa Paywave
- Purchase protection cover
- 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
- Extended warranty & purchase protection on purchases made on the card
- Instant Discounts and offers and Shopper valet service at select Union Coop stores
- Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
- Emergency medical & legal referral service
- Global assistance
- 4 free months of Anghami Plus
Reward Features
Earn Union Coop Tamayaz Points
- Earn upto 3 Tamayaz Points for every Dirham spent at Union Coop store
- Earn 2 Tamayaz Points for every Dirham on International Spend
- Earn 1 Tamayaz Points for every Dirham on Local Spend
- Domestic spends under govt services will earn 0.6 Tamayaz points per AED 1 of spend
Things To Be Aware Of
- Spends under govt services earn lower Tamayaz points
- Higher point value for shareholders of Union Cooperative
- Call the bank to transfer Tamayaz Points to Tamayaz account
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
- Golf offers
- Dining Offers
- Health & Fitness
- Balance Transfer
- Airport Lounge Access
- Air Miles
- Life time free card along with a AED 250 Noon.com voucher
- Enjoy MasterCard Buy 1 Get 1 offers
- Earn rewards on all domestic & international spends
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Life time free credit card along with a AED 250 Noon.com voucher. Apply online now!
Key Features
- Earn Plus Points rewards on all domestic and international spends
- Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
- Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
- Salik auto top-up feature
- Bon Appetit - exclusive dining discounts
- Discounts on air tickets and holiday packages
- Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
- Discounted chauffeur rides with Careem
- Enjoy exclusive benefits with Avis car rental services
- MasterCard Buy 1 get 1 offers
- MarkaVIP online shopping discounts
- Card fraud protection
- 0% Easy Installment Plan
- Sky Shopper
Reward Features
Earn Plus Points Rewards
- Earn Plus Points rewards on all domestic and international spends - 1 Plus Point for every AED 100 retail spend.
- Earn 0.4% Plus Points in supermarkets and groceries spends.
- Earn 0.4% Plus Points in Insurance and Car Dealership spends.
- Earn 0.2% Plus Points in Fuel and Utility Payments.
- Earn 0.2% Plus Points in Real Estate and Education spends.
- Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
Things To Be Aware Of
- Specific spend categories earn lower rewards
Emirates Islamic Bank
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 –
- Accounts
- Cards
- Finance – Personal Finance, Commercial Property finance, Home Finance, Auto Finance, Financing against shares
- Priority Banking – Investment term deposits, Forex, Wealth Solutions
- Business Banking - Trade Finance, smart BUSINESS, Payroll solution etc.
Emirates Islamic Bank Credit Cards
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.
Emirates Islamic Bank (EIB) Credit Cards
- Emirates Islamic Bank (EIB) Business Credit Cards
- Emirates Islamic Bank (EIB) Cashback Credit Cards
- Emirates Islamic Bank (EIB) Islamic Credit Cards
- Emirates Islamic Bank (EIB) No Annual Fee Credit Cards
- Emirates Islamic Bank (EIB) Points / Rewards Credit Cards
- Emirates Islamic Bank (EIB) Travel / Air Miles Credit Cards
Emirates Islamic Bank (EIB) Credit Cards Features
- Emirates Islamic Bank (EIB) Credit Cards with Air Miles
- Emirates Islamic Bank (EIB) Credit Cards with Airport Lounge Access
- Emirates Islamic Bank (EIB) Credit Cards with Balance Transfer
- Emirates Islamic Bank (EIB) Credit Cards with Cinema Tickets
- Emirates Islamic Bank (EIB) Credit Cards with Contactless Tech
- Emirates Islamic Bank (EIB) Credit Cards with Dining Offers
- Emirates Islamic Bank (EIB) Credit Cards with Emirates skywards
- Emirates Islamic Bank (EIB) Credit Cards with Extended Warranty
- Emirates Islamic Bank (EIB) Credit Cards with Golf offers
- Emirates Islamic Bank (EIB) Credit Cards with Purchase Protection
- Emirates Islamic Bank (EIB) Credit Cards with Travel Insurance
- Emirates Islamic Bank (EIB) Credit Cards with Valet Parking
Credit Cards by Bank
- Emirates NBD Credit Cards
- Abu Dhabi Commercial Bank (ADCB) Credit Cards
- Dubai Islamic Bank (DIB) Credit Cards
- Mashreq Bank Credit Cards
- Abu Dhabi Islamic Bank (ADIB) Credit Cards
- Al Masraf Credit Cards
- American Express Credit Cards
- Citi Credit Cards
- Commercial Bank International (CBI) Credit Cards
- Commercial Bank of Dubai (CBD) Credit Cards
- Deem Credit Cards
- Finance House Credit Cards
- First Abu Dhabi Bank (FAB) Credit Cards
- HSBC Credit Cards
- Najm Credit Cards
- Noor Bank Credit Cards
- RAKBANK Credit Cards
- Simplylife Credit Cards
- Standard Chartered Bank (SCB) Credit Cards
- Union National Bank (UNB) Credit Cards
- United Arab Bank (UAB) Credit Cards
- Dubai First Credit Cards
FAQs
- Passport copy (along with visa page for expats) and Emirates ID copy
- Previous bank statements (only for those who do not have an account with Emirates Islamic)
- Employment Information (I.e. Salary Certificate, trade license and financials etc.)
- Undated Security Cheque for full credit limit plus 20%
- Approved Employer with Salary Transferred to Emirates Islamic – AED 5000
- Approved / Un Approved Employer with Salary Not Transferred to Emirates Islamic – AED 8000
- Self-employed – AED 20,000 monthly average income
One can apply for Emirates Islamic Bank credit cards in UAE through
- Visiting one of the bank’s branches and submitting required documents
- Apply directly on the bank’s online application forms.
- Banks Kiosks at various locations
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.
