Emirates Islamic Bank

Minimum SalaryAED 5000

Annual Fee0

Rate2.99%

Salary TransferNo

IslamicYes

Highlights

 

Up to 3.75 EI SmartMiles per 1 AED spend.

 

A credit card designed exclusively for Emarati
Emirates Islamic Emirati Card is fully compliant with the Shari'a principles
Apple Pay, Samsung Pay and Visa Pay wave for a faster, more secure and easier way to pay for your daily purchases
 

Detailed Info

eatures

Exclusive for UAE nationals, the Emirati Credit Card is the perfect addition for your way of life. Designed considering the needs of UAE nationals, this card brings you an array of attractive lifestyle and travel benefits.Unlike other credit cards in UAE, there’s always something in-store for you when you use the Emirati Credit Card, winner of the ‘Best Islamic Card’ at the 2018 Banker Middle East Product Awards. Powered by the Emirates Islamic Smart Miles, you can enjoy an instant redemption on miles earned, anywhere, anytime through the EI Smart Miles Mobile app or through www.eismartmiles.ae.Travel, dine or shop, this card gives you an edge on every transaction.

  • Emarati specific credit card and card design
  • Free for life visa card
  • EI Smart Miles redemption programme: earn 2.5 EI Smart Miles per AED 1 spent locally and 3.75 EI Smart Miles per AED 1 spent internationally
  • Apple Pay, Samsung Pay and Visa Pay wave for a faster, more secure and easier way to pay for your daily purchases

Preferential Pricing

Not only does your Emirates Islamic Emarati Credit Card bring you endless benefits and rewards, but it is also free for life and comes with an attractive profit rate of only 2.49%.

Free valet parking exclusive for you

You can avail Free Valet Parking at some of the top locations in Abu Dhabi and Dubai. This is an added benefit to make your lifestyle more convenient. Whether you are travelling for business or leisure, you need not worry about getting a parking spot.This service is offered to every eligible Emarati Credit Card holder, including supplementary credit cardholders, where they will get two (2) free Valet Parking Services per month at selected Offer Locations.All you have to do is present your Emarati Credit Card at the Valet Parking Desk.Click here for locations and terms & conditions.

Complimentary airport lounge access

Experience the true exclusivity of the Emarati Credit Card. Get complimentary unlimited access to over 1000 airport lounges worldwide. Now here's a great reason to arrive early at the airport. You can spend some tranquil time over refreshments and comfortable seating with this lounge access. No matter where you travel, rest assured that there is a lounge waiting for you to relax and unwind at.Terms & Conditions:
  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $32 to the card.
  • For every accompanying guest, cardholders will be charged US $32 per person per visit

Multi-trip travel insurance

Travel with convenience and complete peace of mind. Not only does this card give you amazing travel benefits but it also protects your travel. With the Emirates Islamic Emarati Credit Card you can save both, the time and expense of organising travel and medical insurance. Instead of arranging for it separately, the Multi-trip insurance on this card gets you travel and medical insurance together.The process is simple, all you need to do is pay for your travel with the Emarati Credit Card and you will be covered for travel accident and inconvenience insurance automatically, no hassles.Details of coverage:
  • Personal accident benefits up to USD 500,000 (International)
  • Personal accident benefits up to USD 50,000 (Domestic)
  • Baggage delay up to USD 500
  • Loss of personal belongings up to USD 1,000
  • Covers cardholder, spouse and up to 5 children; age limit of 75 for all

Visa Luxury Hotel Collection

The Emarati Credit Card allows you to unwind at a range of luxury hotels across the globe. Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Emarati Credit Card.Our exclusive hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.Privileges on your Card:
  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room internet
  • Complimentary continental breakfast
  • 33:00 PM check-out when available
  • VIP Guest status
  • USD 25 food or beverage voucher
For more details, please visit visaluxuryhotels.com
 

global Concierge

You can also avail the Global Concierge facility which provides you with a hosts of services, including flight, hotel and restaurant reservations. You can avail these exclusive host of services over the phone or online, 24 hours a day, from anywhere in the world.Just call the Concierge Service.UAE Toll-free: 800 0441 3487UAE International Direct Dialling: +971 4 361 1234Alternatively, you can send an email to concierge@visasignature-mea.com

Payments on-the-go

Experience ultimate convenience with your Emirates Islamic Emarati Credit Card. Make secure and easy payments with Apple Pay, Samsung Pay and Visa payWave!

No matter where you are, enjoy payments on-the-go anywhere you see the Apply Pay, Samsung Pay and Visa payWave symbols worldwide. So wave goodbye to cash and say hello to fast, easy and safe payments.

Supplementary Card

Earn rewards faster and get more cash back. Apply for a Supplementary Card for your loved ones to share the privileges and benefits offered on your Emirates Islamic Emarati Credit Card. You can get up to 4 supplementary cards for your family.Each Supplementary Card issued under your account allows you to track your expenses and helps you manage your cash flow under simplified billing with a single monthly payment for all Cards on the same account.Supplementary cardholders also enjoy the same benefits as a primary cardholder and can use the free valet parking feature and LoungeKey airport lounge access.

Extended Warranty

The original manufacturer's warranty is doubled up to one year from the expiry date, because with exclusivity we also deliver quality and want it to last for your convenience. For more details, visit cardholderbenefitsonline.com.

Purchase Protection

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. For more details, visit cardholderbenefitsonline.com.

Cash-on-Call and Cash Advance facility

We understand that at times you may require cash-in-hand to address your emergencies. Your Emirates Islamic Emarati Credit Card comes with two key features, Cash-on-Call and Cash Advance. With Cash-on-Call you can simply call 600 599 995 and get cash of the Card Limit credited immediately to your account. With Cash Advance you can conveniently access cash from ATMs up to 50% of the Card Limit and up to AED 10,000 per withdrawal at competitive charges.

Balance Transfer

Transfer the outstanding balance of your Card from other banks to your Emirates Islamic Emarati Credit Card.

Easy Payment Plans

Shop to your heart's content with the 0% Easy Payment Plan. From electronics, telecom, supermarket and jewellery; ask for our profit free Easy Payment Plans of 3, 6, 9 or 12 months when making a purchase at our partner outlets such as Carrefour and Sharaf DG among others.



 
 

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Credit Card FAQ

Credit Card is a small card of the shape of visiting cards, often made up of plastic, issued by a bank, or any other financial institution to their customers, so that the card holder can purchase goods or services, either online or offline, on credit.

Essentially, the card holder borrows money on credit from the financial institution to make various kinds of purchases using the credit card. The money borrowed needs to be repaid within the previously agreed upon term.

If the borrower fails to repay the money in parts or in full by the due date, interest is charged on the pending amount and is added to the card dues.

Not everyone can get a credit card. Different financial institutions have different eligibility criteria for allowing or disallowing someone from using their credit cards. Here are the top rules that you must consider before applying for a credit card.

Salary: Credit Card providers need to know your ability to pay back. Hence, they would keep a minimum salary requirement for various types of cards that they offer. Check the cards that you are eligible for based on your income, and they apply for the one which suits you best.

Interest Rate: Different banks or financial institutes offer different rates of interest. Some offer monthly rates, while others offer annual rates. If you have a savings account with the bank the price may be different for you too. Ensure you know the interest rates before applying for the credit card.

Membership Charges: Credit Card providers often charge an annual fee from the users. However, there are various schemes and eligibility guidelines that often make the card free for the user. Check out different ongoing plans and policies where the membership charges are waived off for a few years. The systems can be many and would vary with each credit card provider.

Premium Benefits: Ensure you know about the premium benefits that come along with your credit card. Do not end up paying a premium charge for benefits that you do not avail. For example, if you do not watch movies in theatres regularly, it will be a waste if you have to pay premium charges for a card that offers you free movie tickets. If you do not need the premium benefits, you may as well go for a primary credit card with no or very few benefits attached to it.

Hidden Charges: Many credit cards have hidden charges, like those for late payment, etc. Ensure you know all about the various other expenses, miscellaneous costs, and such fees that are associated with your credit card. Once you sign the agreement you will not be able to change these. So, please read the terms and conditions before applying for the credit card of your choice.

You must earn a minimum salary of AED 60,000 annually (or AED 5,000 per month) to be eligible for a credit card, according to UAE Central Bank regulations. If you have a suitable salary you can apply for a credit card.

Additionally, it is required that the credit card holder has a Debt Burden Ratio (or DBR, which is calculated as the ratio of the total debt that the applicant owes to total assets the applicant possesses) of less than 50% to be eligible for any credit card.

Applying for a credit card is made simple on Choose My Bank (CYB). At Choose My Bank, you can browse through the various available credit cards offered by multiple banks and financial institutions in the UAE, and check the eligibility criteria for the shortlisted credit cards.

Once done, you can apply for a new card on our website or get in touch with us if you need assistance or more information about the products. So, here is the process in three steps:

  1. Browse through the various credit cards available on our website, which are offered by different financial institutions in the UAE.
  2. Shortlist a few credit cards which you like based on the various features and benefits that they offer to the user.
  3. Check the eligibility criteria of each of the shortlisted credit cards that you like and apply for the one which best suits your needs. You may apply for multiple credit cards as well, as per your requirements.

A premium credit card is one that has a lot of extra benefits that are not present in a standard or basic credit card. Using a premium credit card, the user often gets various rewards or reward points, cashback, shopping vouchers, and other gift coupons.

Typically, the credit card vendor requires the card holder to have a higher income to be eligible for applying for a premium credit card. Such a credit card often incurs higher annual charges in exchange for the premium benefits that it offers to the card holder.

Some credit cards offer cashback on each purchase made using that card. This cashback is added to the monthly statement as credit and deducted from the final value of the report. Such credit cards that offer a cashback are called cashback credit cards.

Some cashback credit cards offer a flat rate of cashback, like 1% or 2% of the amount swiped or spent on it, while other cashback credit cards offer cashback based on specific categories of the spent, like 2% for the expenses on purchasing grocery, 5% for fuel, 7% for educational fees, and so on.

Most of these cash back credit cards fall in the category of premium credit cards. Hence, it is recommended that you know about these features and the associated monthly or annual charges for the credit card that you have chosen. The policies would vary from one credit card provider to the other.

Now, there is another type of credit card that does not offer a cashback directly. Instead of an instantaneous cashback, it offers the user to accumulate rewards or reward points in their account. With each spent on the credit card, the user gets some reward points that get accrued.

These points are an incentive given to the cardholders for using the card. When a certain amount of points is accumulated, they can be redeemed in various ways. Some credit card providers offer the user to convert those points into real money and add to their bank accounts, while others provide the user to purchase various online goods and shopping vouchers, which can then be redeemed at the specific shopping outlets.

Such credit cards which do not offer a monetary cashback but offer reward points instead are called reward points credit card. Please get in touch with our support team if you want to know more about Reward Points Credit Cards.

An Airmiles Credit Card is the one which provides airmiles instead of cashback or reward points. Airmiles are a type of reward points which can only be used while purchasing flight tickets.

The credit card provider would have a deal with a specific airline where these air miles can be redeemed while booking a journey with that airline, as part of their frequent flyer program. Such type of cards would be more valuable for those who travel by air very frequently. If you are one such traveler, you should go for an Airmiles Credit Card.

Some banks here in the UAE would offer credit cards for free, which means that there would be no annual maintenance fee for this credit card. The Annual Maintenance Fee (AMF) is waived off in this case, and many financial institutions would call such cards as a free credit card with no annual maintenance fee.

However, such cards often carry no reward points and may have very few additional benefits for the user. Please ensure that you know the kind of credit card that is going to be issued to you before applying for one.

Some credit cards do offer a bunch of benefits and also waive off the annual maintenance fee, hence reducing the cost drastically. Please get in touch with us for more information on such a credit card. Also, please feel free to get in touch if you need help or if you are confused with anything that I have said, and our team experts will be answering your queries.

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