The Emirates Islamic RTA Credit Card combines a Sharia-compliant card with a Nol chip for Dubai Metro, buses, and trams.
Before you apply, it helps to know the fees, the requirements, and how the cashback rules work.
What are the benefits of Emirates Islamic?
Emirates Islamic is a UAE bank that offers Sharia-compliant banking products, including credit cards.
Its cards can be managed through online and mobile banking, and fees are listed in the bank’s Schedule of Charges.
How does this credit card work?
You earn 10% cashback on RTA transport and fuel (up to AED 75 each per month) and up to 2.25% on other spending. Cashback requires at least AED 1,000 in spending per statement cycle. You can redeem from 300 points, and 1 point equals AED 1.
If you don’t pay the full balance, a monthly profit rate of 3.69% applies. The minimum payment is 5% of the balance plus fees.
Requirements to apply for this credit card
- Minimum age of 21
- Meet the card’s minimum income requirement
- Valid Emirates ID or passport
- Latest salary certificate and bank statements for the last 3 months
متطلبات التقديم للحصول على هذه البطاقة الائتمانية
- ألا يقل العمر عن 21 عاماً.
- استيفاء الحد الأدنى للدخل المطلوب للبطاقة.
- بطاقة هوية إماراتية سارية أو جواز سفر.
- أحدث شهادة راتب وكشوف حساب بنكية لآخر 3 أشهر.
Card fees
- Annual fee: No annual membership fee
- Commitment to Donate Amount (late payment): AED 131.25
- Foreign transaction fee: 2.54% on non-AED transactions
رسوم البطاقة
- الرسوم السنوية: لا توجد رسوم عضوية سنوية.
- مبلغ الالتزام بالتبرع (عند التأخر في السداد): 131.25 درهماً.
- رسوم المعاملات الأجنبية: 2.54% على المعاملات بغير الدرهم.
Apply for your card online
- Access the official website
- Fill in the credit card application form
- Upload your documents
- Wait for bank review and contact
Apply for credit card
Check how much you spend on RTA transport and fuel each month to see how much cashback you could earn.
Paying only the minimum amount means paying more in profit and taking longer to clear the balance.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by Emirates Islamic Bank. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يتم إصداره أو اعتماده من قبل مصرف الإمارات الإسلامي. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.