The Emirates Islamic RTA Credit Card is a Sharia-compliant card with a built-in Nol chip for Dubai’s public transport. It pays 10% cashback on RTA transport payments and fuel, plus cashback on other purchases.
The 10% categories are capped at AED 75 each per month. You need to spend at least AED 1,000 per statement cycle to earn cashback. The card has no annual membership fee. Approval depends on the bank’s assessment.
Key Facts (summary)
- Annual fee: No annual membership fee. Up to four supplementary cards are free.
- APR (Annualised Percentage Rate): 44.28% per year (3.69% monthly profit rate).
- Minimum income: Not published on the product page. Emirates Islamic confirms it during the application.
- Fees note: Commitment to Donate Amount of AED 131.25 for late payment. Non-AED transactions carry a 2.54% fee.
ملخص الحقائق الرئيسية
- الرسوم السنوية: لا توجد رسوم عضوية سنوية. حتى أربع بطاقات إضافية مجاناً.
- النسبة المئوية السنوية (APR): 44.28% سنوياً (معدل ربح شهري 3.69%).
- الحد الأدنى للدخل: غير منشور في صفحة المنتج، ويؤكده مصرف الإمارات الإسلامي أثناء التقديم.
- ملاحظات حول الرسوم: مبلغ الالتزام بالتبرع عند التأخر في السداد 131.25 درهماً. تُطبَّق رسوم بنسبة 2.54% على المعاملات بغير الدرهم.
Is the Emirates Islamic RTA Credit Card a good card?
It may suit people in Dubai who use the Metro, buses, or trams and spend regularly on fuel.
Other purchases also earn cashback: 2.25% on international spending, 1.25% on domestic spending, and lower rates in some categories.
The card includes automatic Nol and Salik top-ups, and up to two buy-one-get-one Reel Cinemas tickets a month with AED 3,000 in monthly spending.
Pros and cons of the Emirates Islamic RTA Credit Card
Pros
- Transport and fuel cashback: 10% on RTA payments and fuel.
- No annual fee: No annual membership fee, with up to four free supplementary cards.
- Built-in Nol chip: Pay for public transport and set up Nol and Salik auto top-ups.
Cons
- Low caps and minimum spend: The 10% categories are capped at AED 75 each, and AED 1,000 in monthly spending is required.
- Cost of carrying a balance: A 3.69% monthly profit rate (44.28% APR) applies to unpaid balances.
How to apply for your Emirates Islamic RTA Credit Card
You can apply on the Emirates Islamic website by filling in the online form with your personal and income details. The bank reviews each application and may ask for documents before deciding.
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.