Emirates Islamic Bank (EIB) No Annual Fee Credit Cards

Emirates Islamic Business Card

Emirates Islamic Bank (EIB)

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

Emirates Islamic Flex Credit Card

Emirates Islamic Bank (EIB)

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Welcome Bonus of 10,000 EI SmartMiles
  • Free for life
  • Unlimited EI SmartMiles

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 10,000 EI SmartMiles worth AED 100

Key Features

  • Welcome bonus of 10,000 EI SmartMiles
  • Access to over 200 airport restaurant offers globally
  • Earn EI SmartMiles on all spends - domestic & international
  • 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
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Mazaya offers
  • Purchase protection
  • Extended warranty & purchase protection on purchases made on the card
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 4 free months of Anghami Plus

Reward Features

Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:

  • Earn 1.25 EI SmartMiles per AED 1 on domestic spend.
  • Earn 2.25 EI SmartMiles per AED 1 on international spend.

Emirates Islamic RTA Credit Card

Emirates Islamic Bank (EIB)

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

Emirates Islamic Union Coop Tamayaz Card

Emirates Islamic Bank (EIB)

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 300 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 300 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

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