Emirates Islamic Bank Credit Cards in UAE

Emirates Islamic Bank credit cards are designed to meet the financial needs of all individuals while adhering to Sharia-compliant principles. These cards provide exclusive benefits, including cashback, reward points, travel perks, and lifestyle privileges.

Emirates Islamic Credit Card in UAE
Emirates Islamic Credit Card

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  • Compare from top banks
  • No annual fee
  • Benefits up to AED 2,000
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Top Emirates Islamic Credit Cards

Apply Emirates Islamic Credit Cards Online

Whether you seek a card for everyday transactions or luxury spending, Emirates Islamic has options like Cashback, RTA, and Skywards credit cards. Let’s dive into the Emirates Islamic Bank cards in detail and discover which one suits you the best. 

Emirates Islamic Credit Card Benefits

Tabled below are all the Emirates Islamic credit card benefits in the UAE:

Card Name Features/ Benefits Apply
Flex Credit Card
  • No annual fees
  • A welcome bonus of 10,000 EI SmartMiles
  • Redeem earned EI SmartMiles on 300 Airlines, 180,000 hotels globally, and gift vouchers
  • Earn up to 2.25 EI SmartMiles per AED 1 spend
  • Easy payment plan and balance transfer facility 
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RTA Credit Card
  • Up to 4 supplementary cards for free
  • Up to 10% cashback on fuel spending and RTA transport payments
  • Earn up to 2.25% cashback per AED 1 spent
  • Auto top-up of NOL and Salik
  • Up to 2 ‘Buy 1 Get 1’ free Reel movie ticket offers every month
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Cashback Credit Card
  • Balance Transfer facility available
  • Up to 5% cashback on telecom and electronic store purchases
  • Up to 2 ‘Buy 1 Get 1’ free Reel movie ticket offers every month
  • Food and beverages credit of USD 25 at 900+ hotels with Visa Luxury Hotel Collection globally
  • Quickly redeem your reward points through online and mobile banking
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Explore Exclusive Offers on Emirates Islamic Credit Cards

Switch Cashback Credit Card
  • Up to 8% cashback on transactions
  • Cash on Call facility available
  • Multi-trip travel insurance for all trips of up to 90 days
  • Free access to the Dubai Ladies Club
  • Complimentary valet parking service once every month
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Etihad Guest Platinum Credit Card
  • Welcome bonus of 5,000 Etihad Guest Miles
  • 0% Easy Payment Plan on Etihad purchases
  • 10% Etihad Guest Miles discount vouchers 
  • Enjoy 2 complimentary Wi-Fi vouchers annually 
  • Earn up to 2 Etihad Guest Miles per USD spent
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Etihad Guest Ameera Credit Card
  • Earn 20,000 Etihad Guest Miles as welcome bonus 
  • Complimentary access to over 1,200 airport lounges
  • 1 complimentary valet parking every month 
  • 20% discount on movie tickets at Roxy Cinemas
  • Fast-Track upgrade to Etihad Guest silver Tier status
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Cashback Plus Card
  • Complimentary access to more than 1,000 airport lounges worldwide
  • Multi-trip travel insurance for up to 90 days
  • Access to 2 golf rounds every month
  • 1 complimentary valet parking in a month 
  • Earn cashback on groceries, education, dining and telecom expenses
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Emarati Credit Card
  • AED 1,000 EI SmartMiles as welcome bonus 
  • Complimentary valet parking service 
  • No annual membership fee
  • ‘Buy 1 Get 1’ offer on movie tickets at Roxy Cinema
  • Get a 50% discount on your food order with Talabat
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Etihad Guest Saqer Credit Card
  • Welcome bonus of 30,000 Etihad Guest Miles
  • Earn up to 3 Etihad Guest Miles per USD spent
  • 2 free airport transfers per year
  • Fast-track to Etihad Guest Silver Tier Status
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Flex Elite Credit Card
  • Up to 3.75% back in EI SmartMiles per AED spent
  • Enjoy unlimited complimentary access to airport lounges across the world
  • Welcome bonus worth AED 1,750
  • Complimentary valet parking services (twice per month)
  • 3 "Buy 1 Get 1" complimentary movie tickets monthly
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Etihad Guest Premium Credit Card
  • Complimentary global concierge service available 24/7
  • Fast-track upgrade to Etihad Guest Gold Tier membership
  • 4 complimentary Inflight wifi vouchers
  • Get 60% Miles discount vouchers
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Skywards Black Credit Card
  • Unlimited complimentary access to more than 1,200 airport lounges
  • Earn Skywards Miles on each retail spend
  • 4 complimentary airport transfers annually 
  • Earn up to 3.5 Skywards Miles per USD spend (or equivalent)
  • Get  4 ‘Buy 1 Get 1’ complimentary VOX movie tickets
  

No Annual Fee Credit Card

Know Your Eligibility for Emirates Islamic Credit Card

Check out the Emirates Islamic Bank card eligibility before initiating the application process:

For Salaried Employees For Self-Employed Individuals For Unemployed Individuals
✅Minimum Age- 21 years
✅Minimum Salary- AED 5,000		 ✅Minimum Age- 21 years ✅Must hold a Fixed Deposit Account with the bank
Latest Emirates Islamic Credit Card Offers

Emirates Islamic Bank Card- Documents Checklist

Given is a list of mandatory documents required for Emirates Islamic credit card application in the UAE:

For Salaried Employees For Self-Employed Individuals
✅Emirates ID or Passport
✅Latest 3 Months’ Bank Statements
✅Latest Salary Certificate
✅Security Cheque (if applicable)		 ✅Emirates ID or Passport
✅Latest 3 Months’ Bank Statements
✅Trade Licence
✅Security Cheque

Welcome Bonus Credit Card

Emirates Islamic Bank Card- Fees and Charges

Tabled below are common fees and charges for all the Emirates Islamic Bank credit cards:

Type of Fee Charges
Maximum Cash Advance Per Transaction AED 10,000 or 50% of the card limit (whichever is low)
Minimum Amount Due Monthly 5% of the outstanding and all fees and charges
Duplicate Statement Copy Per Month AED 26.25
Statement Over 3 Months Old AED 47.25
Supplementary Card Fee Free
E-Statement Free
Cash Advance Charges 3.15% of the cash advance amount or AED 103.95, whichever is higher
Liability/ No Liability Letter AED 52.50
Direct Debit Return Fee AED 105
Overlimit Fee AED 261.45
Credit Shield 0.99% of the outstanding amount per month
Late Payment Fee AED 131.25

FAQ About Emirates Islamic Bank Credit Cards

Q1: Which are the EIB free-for-life cards?

Ans: The following Emirates Islamic Bank credit cards have no annual fee:

  • RTA Card
  • Flex Card
  • Emirati Card
Q2: Is complimentary airport lounge access available on the Etihad Guest Saqer Card?

Ans: Yes, with this Emirates Islamic Bank card, you have access to over 1000 airport lounges globally.

Q3: How much is the annual fee of the EIB Etihad Guest Platinum card?

Ans: The card comes with an annual fee of AED 199.

Q4: What is the Emirates Islamic Bank card over limit fee?

Ans: The over limit fee for all EIB credit cards is AED 261.45.

Q5: What are the benefits of Emirates Islamic Bank credit card?

 

Ans: You can enjoy several benefits with Emirates Islamic Bank credit cards, such as exclusive cashbacks, travel benefits, rewards and discounts on daily expenses, instant access of funds, and more.

Q6: Is the Switch Cashback credit card free for life?

Ans: No, the card is free for the first year. After one year, a fee of AED 313.95 is charged. However, EIB waives the fee, if you spend more than AED 30,000 in 12 months.

Q7. Can I use my Emirates Islamic credit card internationally?

Ans: Yes, you can easily use Emirates Islamic credit cards abroad for various purposes. 

 

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