Emirates Islamic Bank was established in 2004 with the goal of maintaining the highest possible business standards in the banking industry. It operates purely on Sharia-compliant finance principles and provides Sharia-compliant financial products and services to its clients. Emirates Islamic Bank is one of the UAE’s fastest-growing banks, with its headquarters in Dubai. Emirates Islamic Bank is well-known for its extensive credit card portfolio and value-added services. Emirates Islamic credit cards are one of the most popular products among the base since they are designed to meet a broad range of specific client needs.
Here is the Emirates Islamic Bank credit card limit:
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 higher the monthly membership fee is, the bigger the credit limit is.
Note- Emirates Islamic reserves the right to increase or decrease the cardholder’s credit limit, and inform them about the same. To request a change in the Emirates Islamic credit card limit, the cardholder may contact customer support at (+971) 600-599995 or fill out an inquiry form online.
The Emirates Islamic Bank credit card process can be completed online or by visiting a branch. The process is a fairly simple one and can be further expedited by keeping the following documents prepared:
1. 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.
2. Security Cheque: This should be updated and made out for 5% more than the requested Emirates Islamic credit card limit.
3. The applicant who does not have an account with Emirates Islamic Employment Information, are asked to present the bank statement as a salary proof for the 3 latest months. Similarly, for the applicant applying through their company, a copy of the organization’s trade certificate will be required.
4. The Emirates Islamic Bank credit card application can be found online.
5. Nearly every Emirates Islamic Bank credit card offers up to 4 or more supplementary cards for the family the eligible members of the primary cardholder. The supplementary Emirates Islamic Bank Credit Card Application can be found online.
Some of the most common Emirates Islamic credit card charges are mentioned below.
Late Payment Charge: AED 225
Over Limit Charge: AED 249 (From April 1st, 2019 onwards the fee will be AED 279)
No Liability Letter Charge: AED 50
Supplementary Card Charge: Free for up to 4 supplementary Emirates Islamic credit cards
Cash Advance Charge: 3% of the transaction amount up to AED 99 (from April 1st, 2019 this will be up to AED 149)
The full list of Emirates Islamic credit card charges can be found online.
The monthly Emirates Islamic credit card charges can be paid in the following manner:
Cheques: These can be deposited in drop boxes located at all Emirates Islamic The full list of branches can be found online.
Cash: Cash payments can be made at branches or through Cash Deposit Machines.
Online Payment: 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.
Emirates Islamic credit card offers world-class benefits such as:
Global Acceptance
With over 30 million installations all over the globe, the Emirates Islamic credit card offers global acceptance.
Supplementary Cards
Nearly every Emirates Islamic Bank credit card offers up to 4 free-of-cost supplementary cards for the eligible family members of the cardholder.
Easy Instalment Plans
The 0% Emirates Islamic Bank credit card EPP plan allows the cardholder to spend as per their convenience while also spreading out payments responsibly.
Eligibility Criteria
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 credit card applicants to opt for Emirates Islamic credit cards.
Premium Benefits
From the guaranteed savings of the Emirates Islamic cash back credit cards to the VIP lounge access offered by the Emirates Islamic Skywards Platinum card, the benefits of an Emirates Islamic credit card are truly world-class.
Sharia Compliant
All the Emirates Islamic Bank credit cards are formulated as per Sharia There is no interest and no hidden charge. Full transparency and profit-sharing define the Emirates Islamic credit cards.
To cancel an Emirates Islamic credit card, the cardholder must first request that their Emirates Islamic bank account be closed. The cardholder will get confirmation of the account’s termination once all dues have been paid. The account closure form is available on the internet.
Following confirmation, it is recommended that the Emirates Islamic credit card, as well as all supplemental cards, be destroyed. Members of the Emirates Islamic credit card should additionally get a No Liability Letter, which is available for a charge of AED 50. When leaving the UAE, this letter may be required.
