Source: https://www.policybazaar.ae/emirates-islamic-credit-cards-bcc/?utm_source=ccbu&utm_medium=rhs&utm_campaign=banks
Timestamp: 2019-04-19 22:17:15+00:00

Document:
Founded on the Sharia-compliant concepts of Islamic banking, Emirates Islamic Bank was established in 2004. The line of Emirates Islamic credit cards has been created to fully incorporate the benefits of prudent financial investment, while also benefiting society. As per the rules of Islamic Banking, any form of interest – or ‘Ribba’, is completely prohibited. Instead, the Emirates Islamic Bank credit cards share all the profits and the risks with customers and shareholders alike.
With lofty aspirations of being the best Islamic banking organization in UAE, the bank offers some of the most rewarding credit cards. The Emirates Islamic Bank credit card benefits are further compounded with a salary transfer scheme. Transferring salary into an Emirates Islamic Bank account is seen as a gesture of goodwill and of positive communal spirit, which in turn is rewarded by incredible benefits such as free Takaful (insurance), bonus SmartMiles, loyalty points and much more. Emirates Islamic Bank is now known as simply Emirates Islamic.
Annual Membership Fee: This Emirates Islamic Credit Card is free for life.
Customers with an approved employer, and who have made a salary transfer to Emirates Islamic.
Customers with an approved employer, and who have NOT made a salary transfer to Emirates Islamic.
Customers with an unapproved employer, and who have made a salary transfer to Emirates Islamic.
Customers with an unapproved employer, and who have NOT made a salary transfer to Emirates Islamic.
Customers with both an approved/unapproved employer and who have NOT made a salary transfer to Emirates Islamic.
The monthly minimum income is waived if the customer pledges a total amount of AED 60,000 instead.
i. Access to the Emirates Islamic Bank EPP (Easy Payment Plan). Under this scheme, the Emirates Islamic credit card owner can convert purchases at select vendors to 0% monthly instalments for tenors of 3, 6, 9 and 12 months. The full list of partnered vendors can be found online.
ii. The Emirates Islamic credit card owner can utilize up to 80% of their credit limit as cash, credited into their account or delivered in the form of a cheque. The profit rate for this scheme is 1.19% for tenors available of 6, 12, 18 and 24 months. The transaction has a minimum limit of AED 1,000.
iii. Cash advance features available for a maximum of AED 3,000 per transaction.
iv. Balance transfer of up to 80% of the Emirates Islamic credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
v. Up to 30% discount on restaurants across the UAE.
vi. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
vii. Up to 4 supplementary Emirates Islamic credit cards for family members.
There are two types of Emirates Islamic RTA credit cards, a fee-based one and profit based one.
i. This Emirates Islamic credit card functions as a credit card and as an RTA Nol card both. The Emirates Islamic RTA credit card can be used to make payments for any facility on the RTA network. Auto top-up features can be activated for both the Nol Chip as well as Salik.
Fuel purchases earn 10% cash back for up to AED 200.
RTA expenses earn 10% cash back for up to AED 200.
Government service expenses earn 0.5% cash back.
All international transactions earn 2.25% cash back, with no limit.
All other domestic transactions earn 1.25% cash back.
iii. Up to 30% discount on restaurants across the UAE.
iv. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
v. Up to 4 supplementary Emirates Islamic credit cards for family members.
vi. This Emirates Islamic Bank credit card offers the cardholder and their family members Credit Shield cover. Under this feature, any unforeseen accidents that leave a customer unable to pay off their credit card dues are waived. The first two months of Credit Shield cover are complimentary. A minor fee is charged every subsequent month unless the cardholder requests for it to be stopped.
vii. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered up to $5,000 in the event that it is damaged, stolen or misplaced within 90 days of purchase. The policy also covers fire damage.
viii. Travel purchases made with this Emirates Islamic credit card allow the cardholder to avail emergency medical referral services anywhere across the globe. This includes translators, technical support and legal assistance as well.
Customers with both an approved or unapproved employer, and who have NOT made a salary transfer to Emirates Islamic.
i. The owner of this Emirates Islamic Bank credit card is enrolled in the Tamayaz Loyalty Program. Cardholders earn Tamayaz points, which can be redeemed on purchases across any Union Coop store in UAE.
3 Tamayaz Points for every AED 1 spent in Union Coop stores. Under this category, Emirates Islamic offers 2 Tamayaz Points, while the Union Coop store offers the remaining 1 Tamayaz Point.
2 Tamayaz Points for every AED 1 spent on international purchases.
1 Tamayaz Point for every AED 1 spent on domestic purchases.
For shareholders, every 3,000 Tamayaz Points are worth AED 50.
For non-shareholders, every 4,000 Tamayaz Points are worth AED 50.
iii. The Union Coop Tamayaz Emirates Islamic credit card offers one complimentary valet parking every month at select locations such as Dubai International Airport, City Walk, Ibn Battuta Mall and more. The full list of partnered locations can be found online.
iv.. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered up to $5,000 in the event that it is damaged, stolen or misplaced within 365 days of purchase. The policy also covers fire damage. Consumables, vehicles and land are not covered under this policy. The maximum claim amount per year is $20,000.
v. The Tamayaz card also offers cardholders one complimentary shopper valet service every month. This gives the Emirates Islamic credit card owner access to shopping assistance and a queue-less checkout for faster shopping.
vi. Incredible discounts at select golf courses such as Jumeirah Golf Estates, Sharjah Golf & Shooting Club, Abu Dhabi Golf Club and many more.
vii. This Emirates Islamic Bank credit card offers the cardholder and their family members Credit Shield cover. Under this feature, any unforeseen accidents that leave a customer unable to pay off their credit card dues are waived. The first two months of Credit Shield cover are complimentary. A minor fee is charged every subsequent month unless the cardholder requests for it to be stopped.
ix.. Cash advance features available for a maximum of AED 3,000 per transaction.
x. Up to 30% discount on restaurants across the UAE.
xi. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
xii. Up to 4 supplementary Emirates Islamic credit cards for family members.
The Cash Back card of Emirates Islamic is available in two variants, as the Emirates Islamic Cash Back credit card and the Emirates Islamic Cash Back Plus card. The annual fees, eligibility and various Emirates Islamic Cash Back card benefits are detailed below.
Annual Membership Fee: AED 350 (free on minimum spending of AED 5,000 annually).
10% cash back on telecom bills.
5% cash back on electronic item purchases.
1% cash back on all domestic and international purchases.
Emirates Islamic Cash Back card owners can calculate the full extent of their savings via the cash back calculator available online.
Access to the Emirates Islamic Bank EPP (Easy Payment Plan). Under this scheme, the Emirates Islamic credit card owner can convert purchases at select vendors to 0% monthly instalments for tenors of 3, 6, 9 and 12 months. The full list of partnered vendors can be found online.
ii. Balance transfer of up to 80% of the Emirates Islamic credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
iv. This Emirates Islamic Bank credit card offers the cardholder and their family members Credit Shield cover. Under this feature, any unforeseen accidents that leave a customer unable to pay off their credit card dues are waived. The first two months of Credit Shield cover are complimentary. A minor fee is charged every subsequent month unless the cardholder requests for it to be stopped.
v. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered up to $5,000 in the event that it is damaged, stolen or misplaced within a certain time period. The maximum claim amount per year is $20,000.
vi. Up to 4 supplementary Emirates Islamic credit cards for family members.
vii. Incredible discounts at select golf courses such as Jumeirah Golf Estates, Sharjah Golf & Shooting Club, Abu Dhabi Golf Club and many more.
ix. Unique Emirates Islamic Cash Back card benefits such as $25 voucher for food and beverages, a complimentary continental breakfast meal, room upgrades, late checkout and more in 900+ hotels across the globe.
* Up till 31st March 2019, this Emirates Islamic Bank credit card offers a waiver on the first year’s annual membership fee. Subsequent fee waivers in later years are available on spending AED 30,000 annually.
i. Cardholders can earn up to as much as 10% cash back on grocery, education, dining and telecom expenses made through this Emirates Islamic cash back card.
ii. This Emirates Islamic credit card functions as a credit card and as an RTA Nol card both. The Emirates Islamic RTA credit card can be used to make payments for any facility on the RTA network. Auto top-up features can be activated for both the Nol Chip as well as Salik. The cardholder also gains access to the Gold Class cabin in the Dubai Metro.
iii. Complimentary access to 750+ airport lounges across the globe.
iv. 2 free rounds of golf every month at Track Meydan and Arabian Ranches golf clubs. This Emirates Islamic Cash Back card benefit can be availed on any day of the week.
v. Free of charge travel insurance for multiple trips of up to 90 days.
vi. Unique Emirates Islamic Cash Back card benefits such as $25 voucher for food and beverages, a complimentary continental breakfast meal, room upgrades, late checkout and more in 900+ hotels across the globe.
vii. Travel purchases made with this Emirates Islamic credit card allow the cardholder to avail emergency medical referral services anywhere across the globe. This includes translators, technical support and legal assistance as well.
viii. Access to the Emirates Islamic Bank EPP (Easy Payment Plan). Under this scheme, the Emirates Islamic credit card owner can convert purchases at select vendors to 0% monthly instalments for tenors of 3, 6, 9 and 12 months. The full list of partnered vendors can be found online.
ix. Balance transfer of up to 80% of the Emirates Islamic credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
x. Cash advance features available for a maximum of AED 3,000 per transaction.
xi. This Emirates Islamic Bank credit card offers the cardholder and their family members Credit Shield cover. Under this feature, any unforeseen accidents that leave a customer unable to pay off their credit card dues are waived. The first two months of Credit Shield cover are complimentary. A minor fee is charged every subsequent month unless the cardholder requests for it to be stopped.
xii. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered up to $5,000 in the event that it is damaged, stolen or misplaced within a certain time period. The maximum claim amount per year is $20,000.
xiii. Up to 4 supplementary Emirates Islamic credit cards for family members.
xiv. Up to 30% discount on restaurants across the UAE.
xv. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
The Rewards line of Emirates Islamic credit card offers customers access to benefits such as cash back and air miles. The Abu Dhabi version of the rewards card is an Emirates Islamic credit card which offers unique benefits across Abu Dhabi.
Rather than charging a profit rate, this Emirates Islamic credit card charges an annual membership fee and a monthly membership fee on basis of the required credit limit. The charges are as follows.
Monthly Membership Fee: The monthly membership fee for this Emirates Islamic credit card varies according to the desired credit limit as shown below.
18,000 Choice Points can be redeemed for AED 100 vouchers.
14,000 Choice Points can be redeemed for 1,500 Etihad Guest Miles.
16,000 Choice Points can be redeemed for 2,000 Etihad Guest Miles.
2 Choice Points earned on every AED 1 spent domestically.
2 Choice Points earned on every AED 1 spent internationally.
50 Choice Points earned on every AED 1 spent on telecom bills, groceries, education bills, fuel purchases, electronic items, transportation costs and real estate.
10 Choice Points earned on every AED 1 spent on government services, mobile bills and utility bills.
While the various fees and benefits this Emirates Islamic credit card offers are similar to the previously mentioned rewards card, this card is catered specifically to Abu Dhabi residents. It offers great deals on various local merchants within the emirate.
Flight tickets in 300+ airlines.
Hotel bookings in over 180,000 hotels globally.
Air miles in the Jet Privilege and Etihad Guest Miles programs.
Online shopping on daily purchases, home goods, electronics and much more.
25 EI SmartMiles earned on every AED 1 spent on international purchases.
25 EI SmartMIles earned on every AED 1 spent on domestic purchases.
iii. Complimentary purchase insurance for the cardholder.
iv. Travel purchases made with this Emirates Islamic credit card allow the cardholder to avail emergency medical referral services anywhere across the globe. This includes translators, technical support and legal assistance as well.
vi. Up to 30% discount on restaurants across the UAE.
vii. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
The Flex Elite Emirates Islamic credit card is a Visa Infinite card and offers all the benefits of a Flex card as well as the ones mentioned below.
Minimum Monthly Income Required: AED 25,000 for all applicant types.
i. Includes all of the Flex Emirates Islamic Bank credit card offers.
75 EI SmartMiles earned on every AED 1 spent on international purchases.
5 EI SmartMIles earned on every AED 1 spent on domestic purchases.
iii. Free unlimited lounge access to 750+ airports across the globe for the Emirates Islamic credit card owner and for one guest.
iv. Free of charge travel insurance for multiple trips of up to 90 days.
v. Access to a global concierge, for help with ticket booking, restaurant reservations and more.
vi. Unlimited free rounds of golf at Track Meydan and Arabian Ranches golf clubs. This Emirates Islamic Cash Back card benefit can be availed on any day of the week.
vii. The Flex Elite Emirates Islamic credit card offers two complimentary valet parking services every month at select locations such as Dubai International Airport, City Walk, Ibn Battuta Mall and more. The full list of partnered locations can be found online.
a. Catered specifically for working professionals and big businesses, this Emirates Islamic Bank credit card offers multiple cards for employees and business partners.
c. Unlimited supplementary Emirates Islamic credit cards may be issued on request from the company.
e. Balance transfer of up to 80% of the Emirates Islamic credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
f. Unlimited complimentary lounge access to 750+ airports globally.
g. Great deals on bookings in over 400,000 hotels all over the world, for bookings made through Kaligo.com.
h. Unique Emirates Islamic Cash Back card benefits such as $25 voucher for food and beverages, a complimentary continental breakfast meal, room upgrades, late checkout and more in 900+ hotels across the globe.
i. Travel purchases made with this Emirates Islamic credit card allow the cardholder to avail emergency medical referral services anywhere across the globe. This includes translators, technical support and legal assistance as well.
k. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered up to $5,000 in the event that it is damaged or stolen.
l. Access to a global concierge, for help with ticket booking, restaurant reservations and more.
m. Access to the Emirates Islamic Bank EPP (Easy Payment Plan). Under this scheme, the Emirates Islamic credit card owner can convert purchases at select vendors to 0% monthly instalments for tenors of 3, 6, 9 and 12 months. The full list of partnered vendors can be found online.
n. Cash advance features available for a maximum of 20% of the credit limit, up to AED 10,000 per transaction.
o. Up to 30% discount on top restaurants across the UAE.
Emirates Islamic offers 4 types of Emirates Islamic Skywards credit cards: gold, platinum, signature and infinite. Each card comes packed with great benefits and offers, which are summarized below.
This Emirates Islamic Skywards credit card is available as a fee-based card only. There is no profit rate charged. Instead, the card charges an annual fee and a monthly membership fee, which varies depending on the requested credit limit.
6 Skywards Miles for every US $1 spent on domestic purchases.
6 Skywards Miles for every US $1 spent on international purchases.
6 Skywards Miles for every US $1 spent on Emirates airlines purchases.
Cardholders may download the ExtraMiles app, which enables them to earn 2 bonus Skywards Miles for every US $1 spent on partnered services. These services include hotel reservations, flight booking and car rentals through Booking.com, Souq.com and Rentalcars.com.
ii. Up to 4 supplementary Emirates Islamic credit cards for family members.
iii. Balance transfer of up to 80% of the Emirates Islamic credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
iv. Up to 30% discount on restaurants across the UAE.
v. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
The Emirates Islamic Skywards Platinum card is available as a fee-based card only. There is no profit rate charged. Instead, the card charges an annual fee and a monthly membership fee, which varies depending on the requested credit limit.
Monthly Membership Fee: The monthly membership fee for the Emirates Islamic Skywards Platinum card varies according to the desired credit limit as shown below.
75 Skywards Miles for every US $1 spent on domestic purchases.
1 Skywards Miles for every US $1 spent on international purchases.
5 Skywards Miles for every US $1 spent on Emirates airlines purchases.
iii. Balance transfer of up to 80% of the Emirates Islamic Skywards Platinum card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
vi. Emirates Islamic Skywards Platinum card owners are given a Golf Fee Card. The Golf Fee Card entitles the cardholder to great golfing discounts such as 50% off on green fees in ranges across more than 100 countries, 10% discount on golf equipment and more.
This Emirates Islamic Skywards credit card is available as a profit-based card only.
iv. Travel purchases made with this Emirates Islamic Skywards credit card allow the cardholder to avail emergency medical referral services anywhere across the globe. This includes translators, technical support and legal assistance as well.
vi. This Emirates Islamic Skywards credit card one complimentary valet parking every month at select locations such as Dubai International Airport, City Walk, Ibn Battuta Mall and more. The full list of partnered locations can be found online.
vii. Complimentary access to 750+ airport lounges across the globe.
viii. Access to the Emirates Islamic Bank EPP (Easy Payment Plan). Under this scheme, the Emirates Islamic credit card owner can convert purchases at select vendors to 0% monthly instalments for tenors of 3, 6, 9 and 12 months.
ix. Balance transfer of up to 80% of the Emirates Islamic Skywards credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
x. The Emirates Islamic Skywards credit card owner can utilize up to 80% of their credit limit as cash, credited into their account or delivered in the form of a cheque. The profit rate for this scheme is 1.19% for tenors available of 6, 12, 18 and 24 months. The transaction has a minimum limit of AED 1,000.
xii. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic Skywards credit card is covered in the event that it is damaged, stolen or misplaced within a certain time period.
The Emirates Islamic Bank Skywards Infinite card is available as both a fee-based and a profit-based card. The benefits offered by both are the same.
Under the fee-based category, the Emirates Islamic Bank Skywards Infinite card has no profit rate, but rather an annual and monthly membership fee.
Monthly Membership Fee: The monthly membership fee for the Emirates Islamic Bank Skywards Infinite card varies according to the desired credit limit as shown below.
In the profit-based version, the Emirates Islamic Bank Skywards Infinite card has a fixed annual membership fee and a monthly profit rate.
1 Skywards Mile for every US $1 spent on domestic purchases.
5 Skywards Miles for every US $1 spent on international purchases.
2 Skywards Miles for every US $1 spent on Emirates airlines purchases.
ii. The Emirates Islamic Bank Skywards Infinite card offers cardholders membership into Emirates Skywards Silver club. This club membership offers benefits such as bigger baggage allowances, priority check-ins and more.
iii. Unlimited complimentary lounge access to 900+ airports globally for the cardholder and one guest.
iv. Unlimited free rounds of golf at Track Meydan and Arabian Ranches golf clubs. This Emirates Islamic Bank Skywards Infinite card can be availed on any day of the week.
v. The Emirates Islamic Bank Skywards Infinite card offers two complimentary valet parking services every month at select locations such as Dubai International Airport, City Walk, Ibn Battuta Mall and more. The full list of partnered locations can be found online.
vi. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered up to $7,500 in the event that it is damaged, stolen or misplaced within a certain time period. The maximum claim amount per year is $20,000.
vii. Balance transfer of up to 80% of the Emirates Islamic Skywards credit card limit for a 0% profit rate in the first 6 months. Minimum transaction amounts of AED 1,000. A one-time 2% processing fee is charged.
viii. Free of charge travel insurance for multiple trips of up to 90 days.
ix. This Emirates Islamic Bank credit card offers the cardholder and their family members Credit Shield cover. Under this feature, any unforeseen accidents that leave a customer unable to pay off their credit card dues are waived. The first two months of Credit Shield cover are complimentary. A minor fee is charged every subsequent month unless the cardholder requests for it to be stopped.
x. Access to a global concierge, for help with ticket booking, restaurant reservations and more.
xi. Up to 30% discount on restaurants across the UAE.
xii. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
Minimum Monthly Income Required: The income criteria for this Emirates Islamic credit card is specified for UAE nationals only, as it is exclusive to Emiratis.
iv. 3. 75 EI SmartMiles earned on every AED 1 spent on international purchases.
2.50 EI SmartMIles earned on every AED 1 spent on domestic purchases.
Supplementary cardholders earn the same amount of EI SmartMiles as well.
iii. 10% cash back on any dining purchase across the globe, for up to a maximum of AED 300 per month.
iv. The Emarati Emirates Islamic Bank credit card offers two complimentary valet parking services every month at select locations such as Dubai International Airport, City Walk, Ibn Battuta Mall and more. This is applicable for the primary cardholder and all supplementary cardholders as well. The full list of partnered locations can be found online.
v. Unlimited complimentary lounge access to 900+ airports globally for the cardholder.
vi. Free of charge travel insurance for multiple trips. This includes travel accident and inconvenience cover both. This covers the primary cardholder, their spouse and up to 5 children.
vii. Unique Emarati Emirates Islamic credit card offers such as $25 voucher for food and beverages, a complimentary continental breakfast meal, room upgrades, late checkout and more in 900+ hotels across the globe.
viii. Access to a global concierge, for help with ticket booking, restaurant reservations and more.
ix. Up to 4 supplementary Emirates Islamic credit cards for family members.
x. Cardholders are also eligible for purchase protection. Under this policy, any item purchased with the Emirates Islamic credit card is covered event that it is damaged or stolen.
xi. Cash advance features available for up to 50% of the credit limit and a maximum of AED 3,000 per transaction.
xii. Access to the Emirates Islamic Bank EPP (Easy Payment Plan). Under this scheme, the Emirates Islamic credit card owner can convert purchases at select vendors (such as Carrefour and Sharaf DG) to 0% monthly instalments for tenors of 3, 6, 9 and 12 months.
xiii. Up to 30% discount on restaurants across the UAE.
xiv. Avail huge shopping discounts across UAE with this Emirates Islamic Bank credit card.
As one of the premier Islamic Banking institutes in UAE, Emirates Islamic passes on immense savings and top-notch rewards to holders of the various types of Emirates Islamic credit cards. The following features and benefits have helped Emirates Islamic Bank credit cards capture the market and the hearts of its customer base.
No interest. No hidden charges. That is the promise of an Emirates Islamic credit card. Fully compliant with the Sharia principles, every Emirates Islamic Bank credit card offers a fully transparent set of charges.
Known as the Double Safe feature, every Emirates Islamic credit card offers cardholder the option to set up a secure pin for online transactions. By partnering with popular payment service providers such as Visa and MasterCard, this pin is further run through a security gauntlet which completely prevents fraudulent online charges.
A number of Emirates Islamic credit cards come equipped with the RTA Nol-chip and Salik tags, to make driving through UAE smoother than ever before. Simply activate the auto top-up features on an RTA enabled Emirates Islamic Bank credit card to effortlessly access the various public transportation services across the nation.
Nearly every Emirates Islamic credit card offers 4 supplementary cards for the cardholder’s family members. These supplementary Emirates Islamic credit cards enjoy a shared credit limit and the opportunity to earn rewards and loyalty points as well. In fact, some cards such as the Emirates Islamic Bank Skywards Infinite card even give supplementary cardholders access to 750+ airport lounges across the globe.
The Emirates Islamic Bank credit card EPP is one of the most attractive benefits offered. It allows cardholders to convert transactions starting from as low AED 500 into monthly instalment plans with no profit-rate. The Emirates Islamic Bank credit card EPP allows cardholders to budget like a finance guru.
Emirates Islamic credit card offers great incentives to customers that want to make a balance transfer. With a 0% profit rate for the first 6 months and the option to transfer up to 80% of the available Emirates Islamic credit card limit, the balance transfer feature allows customers to smartly pay off dues.
An Emirates Islamic credit card charges a near negligible monthly profit rate of 1.19% on cash on demand requests. These requests can go as high as up to 80% of the available Emirates Islamic credit card With such an alluring offer, Emirates Islamic customers will never have to face a financial emergency unprepared.
By using an Emirates Islamic credit card for daily purchases, cardholders can earn Skywards Miles. These miles can be used to upgrade and book flight tickets in Emirates Airlines. Furthermore, the miles can even be exchanged for air miles in other airlines such as Jet Airways and Etihad. The range of Emirates Islamic Skywards credit cards, such as the Emirates Islamic Skywards Platinum card or the Emirates Islamic Bank Skywards Infinite card offers the best way to earn miles.
Various rewards programs award the Emirates Islamic credit card owner with loyalty points such as SmartMiles, Choice Points and more. These points can be redeemed for amazing discounts on local establishments, to offset the cost of annual membership fee and even as cash back.
The Emirate Islamic cash back card and its cash back plus variant are the perfect examples of a card that gives back every time. With guaranteed cash back on nearly every category of purchase, owners of the Emirates Islamic cash back card can effectively save every time they spend.
Emirates Islamic has teamed up with thousands of retail vendors across UAE to bring a spectacular host of discounts to owners of any Emirates Islamic credit card. Known as Mazaya offers, these deals encompass travel, shopping, dining, local attractions and more. The enormous list of participating vendors can found online.
The full range of Emirates Islamic credit card benefits is extraordinarily long and varies from card to card. From complimentary travel insurance to free rounds of golf at premier ranges across UAE, the many rewards that an Emirates Islamic Bank credit card offers are near limitless.
Following the principles of Islamic Banking, Emirates Islamic credit cards do not charge interest. Instead, they ask for a profit rate, the profits of which are shared between all shareholders. Given below is a list of the various Emirates Islamic credit cards and their associated profit rates and annual membership fees.
The minimum age of eligibility for an Emirates Islamic credit card is 18 years. Any minors under the age of 18 may apply for a card under the supervision of a legal guardian, who will be asked to co-sign the application form as well.
Every Emirates Islamic Bank credit card has a required minimum monthly salary, which will be detailed in the next section. Not only are applicants supposed to show an independent source of income, but some of the Emirates Islamic credit cards also mandate a salary transfer into the Emirates Islamic account.
To avail incredible rewards such as the Emirates Islamic Cash Back card benefits and more, applicants should have a good past record of on-time payments. Poor credit history may disqualify an applicant.
The Emarati card is locked by nationality. It is an Emirates Islamic credit card that is exclusive to only UAE nationals.
The above minimum income criteria apply to all Emirates Islamic credit cards except for the Infinite cards. The Emirates Islamic Bank Skywards Infinite Card and the Emirates Islamic Flex Elite (Infinite) Credit Card both have a minimum income requirement of AED 25,000.
How to Apply for an Emirates Islamic Credit Card?
Copy of valid ID proof: UAE nationals may submit their Emirates ID, while non-UAE nationals are requested to present a copy of their passport and visa.
Applicants who do not have an account with Emirates Islamic Employment Information, are asked to present a bank statement showing salary for the 3 latest months. Similarly, for customers applying through their company, a copy of the organization’s trade certificate will also be required.
The Emirates Islamic Bank credit card application can be found online.
Nearly every Emirates Islamic Bank credit card offers up to 4 or more supplementary cards for family members. The supplementary Emirates Islamic Bank Credit Card Application can be found onine.
The monthly profit rates for eligible Emirates Islamic credit cards are given below.
The Emirates Islamic Bank credit card limit is defined in two major ways.
For profit-based Emirates Islamic credit cards, the credit limit is fixed at the time of the application.
For fee-based Emirates Islamic credit cards, the credit limit varies depending on the monthly membership fee. The bigger the monthly membership fee is, the bigger the credit limit.
Emirates Islamic reserves the rights to increase or decrease the cardholder’s credit limit, and inform them of the same. To request for a change in the Emirates Islamic credit card limit, customers may contact a customer support executive at (+971) 600-599995 or fill out an enquiry form online.
Some of the most commonly incurred Emirates Islamic credit card charges are mentioned below.
Supplementary Card Charge: Free for up to 4 supplementary Emirates Islamic credit cards.
The full list of Emirates Islamic credit card charges can be found online.
Via cheques: These can be deposited in drop boxes located at all Emirates Islamic branches. The full list of branches can be found online.
Via online payments: Monthly Emirates Islamic credit card charges can be paid through the online banking portal, called BankNet. These can also be scheduled to auto-pay every month. The BankNet portal can be found online.
How to Cancel an Emirates Islamic Credit Card?
To cancel an Emirates Islamic credit card, the cardholder should first request for closure of the Emirates Islamic bank account. Once all the dues have been cleared, the cardholder will receive confirmation of the account’s closure. The account closure form can be found online.
After confirmation, it is advised to destroy the Emirates Islamic credit card and all supplementary cards as well. Emirates Islamic credit card owners should also request for a No Liability Letter, which can be obtained for a nominal fee of AED 50. This letter may be required when leaving UAE.
Why Choose Emirates Islamic Credit Cards?
With over 30 million installations all over the globe, there are very few places that your Emirates Islamic credit card won’t be accepted.
Nearly every Emirates Islamic Bank credit card offers up to 4 free-of-cost supplementary cards for the cardholder’s family members.
The 0% Emirates Islamic Bank credit card EPP scheme allows customers to spend to their heart’s content, while also responsibly spreading out payments.
The Emirates Islamic Bank credit card minimum salary requirements are very relaxed, starting at just AED 5,000 per month. This allows a wider range of UAE citizens to experience the rewards of an Emirates Islamic credit card.
From the guaranteed savings of the Emirates Islamic cash back credit card to the VIP lounge access afforded by the Emirates Islamic Skywards Platinum card, the benefits of an Emirates Islamic credit card are truly world-class.
All of the Emirates Islamic Bank credit cards are structured on Sharia principles. There is no interest and no hidden charge. Full transparency and profit sharing define the Emirates Islamic credit card.

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