Emirates Islamic Bank Credit Cards in the UAE

Emirates Islamic Bank stands as a prominent figure in the realm of Islamic banking, offering a diverse array of financial products and services since its inception in 2004. Among its flagship offerings, the Emirates Islamic credit cards have garnered significant attention in the United Arab Emirates (UAE). These cards come equipped with a variety of features, catering to the diverse financial needs and preferences of UAE residents.

In this article, we delve into the world of Emirates Islamic Bank credit cards, shedding light on their unique benefits, eligibility criteria, and the application process.

Emirates Islamic Credit Cards

Emirates Islamic Bank boasts an impressive lineup of 13 distinctive credit cards, each tailored to cater to specific financial requirements and lifestyle preferences.

Let’s take a closer look at some of the standout credit cards offered by the bank:

1. Emirates Islamic RTA Card

• Minimum Income Required: AED 5,000
• Annual Fee: Free for Life

The Emirates Islamic RTA Card not only exempts cardholders from annual fees but also offers a plethora of benefits, such as cashback rewards, Nol Card, and RTA transport payment perks. With exclusive discounts on RTA transport and fuel expenses, this card caters to the needs of frequent commuters.

2. Emirates Islamic Flex Elite Credit Card

• Minimum Income Required: AED 15,000
• Annual Fee: AED 700

For those with a higher income, the Emirates Islamic Flex Elite Credit Card provides access to a world of privileges, including airport lounge access, valet parking, and golf benefits. Additionally, cardholders enjoy free travel insurance up to USD 500,000.

3. Emirates Islamic Cashback Plus Credit Card

• Minimum Income Required: AED 12,000
• Annual Fee: AED 313.95

The Emirates Islamic Cashback Plus Credit Card offers a generous cashback program, allowing cardholders to enjoy a variety of perks. From free travel insurance to the option of transferring balances from other credit cards, this card is designed to enhance your financial flexibility.

4. Emirates Islamic Skywards Signature Credit Card

• Minimum Income Required: AED 12,000
• Annual Fee: AED 735

Frequent flyers can take advantage of the Emirates Islamic Skywards Signature Credit Card, which grants access to up to 100,000 Skywards Miles, fast-track membership to Emirates Skywards Gold Tier, and easy payment plans for major transactions.

5. Emirates Islamic Skywards Infinite Credit Card

• Minimum Income Required: AED 25,000
• Annual Fee: AED 1,999

The Emirates Islamic Skywards Infinite Credit Card offers unbeatable travel benefits, including unlimited free access to over 1,000 international airport lounges and the opportunity to earn up to 100,000 bonus Skywards Miles.

6. Emirates Islamic Skywards Black Credit Card

• Minimum Income Required: AED 50,000
• Annual Fee: AED 5,000/3,000*

The Emirates Islamic Skywards Black Credit Card is designed for high earners who seek luxury and exclusivity. With impressive Skywards Miles rewards and access to international airport lounges, this card takes travel experiences to new heights.

7. Emirates Islamic Cashback Credit Card

• Minimum Income Required: AED 5,000
• Annual Fee: AED 367.5

The Emirates Islamic Cashback Credit Card offers cashback rewards with no minimum spend limit. It also provides purchase protection and extended warranty benefits, making it a great choice for everyday expenses.

8. Emirates Islamic Etihad Guest Platinum Credit Card

• Minimum Income Required: AED 5,000
• Annual Fee: AED 208.95

Etihad Airways enthusiasts can reap the rewards with the Emirates Islamic Etihad Guest Platinum Credit Card. Enjoy up to 10% miles back on flight redemptions, attractive discounts, and even 50% cashback on movie tickets.

9. Emirates Islamic Emarati Credit Card

• Minimum Income Required: AED 12,000
• Annual Fee: Free for Life

Specially designed for UAE nationals, the Emirates Islamic Emarati Credit Card provides access to international airport lounges, valet parking, and the opportunity to earn EI SmartMiles, which can be redeemed for various rewards.

10. Emirates Islamic Etihad Guest Premium Credit Card

• Minimum Income Required: AED 15,000
• Annual Fee: AED 1,575 for 25,000 Etihad Guest Miles, AED 2,625 for 55,000 Etihad Guest Miles

This card offers exclusive privileges, including an upgrade to Etihad Guest Gold Tier status, up to 50% miles back on flight redemptions, and 4 free inflight WiFi vouchers every membership year.

11. Emirates Islamic Etihad Guest Saqer Credit Card

• Minimum Income Required: AED 10,000
• Annual Fee: AED 934.95

Quickly ascend to Etihad Guest Silver Tier status with this card, earning miles on every dollar spent and enjoying up to 20% miles back on flight redemptions. It also offers free airport transfers to and from Abu Dhabi airport.

12. Emirates Islamic Etihad Guest Ameera Credit Card

• Minimum Income Required: AED 10,000
• Annual Fee: AED 733.95

With easy upgrades to Etihad Guest Silver Tier status and an array of miles-back benefits, this card offers exceptional value. Cardholders can also enjoy 50% cashback on movie tickets.

Eligibility Criteria and Required Documents

To apply for an Emirates Islamic credit card in the UAE, you need to meet specific eligibility criteria and provide the necessary documents:

Eligibility Criteria:

• UAE resident
• Minimum monthly salary requirement for your preferred card
• Salaried or self-employed
• Regular income source

Required Documents:

• Emirates ID (original and photocopy)
• Verified passport with residence visa (original and photocopy)
• Trade license (for self-employed individuals)
• Recent bank statements (at least 3 months)
• Appointment letter or salary transfer letter
• Utility bills or tenancy agreement for address proof
• Salary slips (for salaried individuals)

How to Apply for Emirates Islamic Credit Cards

Applying for an Emirates Islamic credit card has never been easier. You can apply online through the official Emirates Islamic website, which offers a comprehensive range of banking solutions in the UAE.

By utilizing these online portals, you gain access to an array of benefits, including 24/7 customer support, expert guidance, the ability to compare multiple credit card options and exclusive discounts and offers on credit card purchases. It’s a one-stop solution for exploring and comparing credit cards that cater to your unique financial needs.

Conclusion

Emirates Islamic Bank credit cards provide a wide range of options for UAE residents, ensuring that there’s a card to suit every lifestyle and financial requirement. With features such as cashback rewards, travel benefits, and exclusive discounts, these credit cards are designed to enhance your overall banking experience. Whether you’re a frequent traveler or seeking everyday convenience, Emirates Islamic Bank credit cards have something to offer for everyone.