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Emirates Islamic Bank Credit Cards

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.

 

Emirates Islamic Cashback Credit Card

 

 

Minimum Salary – AED 8000

 

Annual Membership Fee – AED 350

Features & Benefits
  • Enjoy cashback on every purchase you make with your Emirates Islamic Cashback credit card. Get 5% cashback on all electronic store purchases and transactions related to the telecom sector. 
  • Enjoy 1% cashback on all other retails transactions done both internationally and domestically. 
  • Score up to 30% discount on several participating cafés and restaurants across the UAE. 
  • Get extended warranty, travel insurance letter and purchase protection as complimentary benefits of your Emirates Islamic Cashback credit card. 
  • Get a complimentary shopping card exclusively for online purchases and shopping across all platforms. 
  • Enjoy further offers and deal offered by Visa on this Cashback credit card from Emirates Islamic Bank.
 

Emirates Islamic Etihad Guest Saqer Credit Card

 

 

Minimum Salary – AED 10000

 

Annual Membership Fee – AED 899

Features & Benefits
  • et 30,000 guest miles as a welcome reward when you get your Emirates Islamic Etihad Guest Saqer credit card.
  • Enjoy up to 20% return when you use your guest miles to upgrade services or book flight tickets with Etihad Airlines. 
  • Earn 3 Etihad Guest Miles when you spend one dollar on Etihad Airlines, 2 Etihad Guest Miles when you spend one dollar internationally and 1.5 Miles when you spend one US dollar domestically in the UAE. 
  • Earn up to 2.5 Etihad Guest Miles on every dollar spent on two spending categories of your choice. You can choose two categories from options like apparel shopping, online transactions, hotels, car rentals, dining, mobile wallets, beauty, etc.
  • Get 2 free in-flight Wi-Fi vouchers for every member of your Emirates Islamic Etihad Guest Saqer credit card.
  • Up to 50% cashback on your movie ticket bookings. 
  • Complimentary valet parking service once every calendar month of your Emirates Islamic Etihad Guest Saqer credit card.
  • Free/complimentary purchase protection, card fraud protection, multi-trip travel insurance plan and extended warranty on the Emirates Islamic Etihad Guest Saqer Credit Card.
  • 0% Easy payment plan and facility of balance transfer along with easy NFC-enabled contactless payments. 
 

Emirates Islamic Emarati Credit Card

 

 

Minimum Salary – AED 10000

 

Annual Membership Fee – Free For Life

Features & Benefits
  • A special card of UAE emarati that is made with premium metal and carries a rather sleek and beautiful design. 
  • Get up to 25% cashback when shopping on Cashback souk. ae platform on 1500 different domestic and international brands. 
  • Earn up to 3.75 EI Smart Miles when you spend one Dirham internationally and 2.75 EI Smart Miles when you spend one Dirham domestically. 
  • Exchange you EI Smart Miles with other types of reward miles from Emirates Islamic. For example, Emirates Miles, Etihad Miles and InterMiles. Use the exchanged miles to get benefits or redeem EI SmartMiles directly on physical and online purchases. 
  • Complimentary entry into over a thousand airport lounges across the world. 
  • Enjoy 2 valet parking as complimentary service every calendar month. 
  • Get additional complimentary benefits like multi-trip travel insurance, extended warranty on products purchases with your Emirates Islamic credit card, and purchase protection. 
  • Get discounts using the Mazaya offer program which comes with several exciting offers on dining, shopping, travel, etc. 
  • The Emirates Emarati credit card is compatible with payment gateways like Samsung pay and Apple pay. 
  • Get supplementary cards for your immediate family and relatives with your primary card. 
  • Settle the Emirates Islamic Emarati credit card bill using Easy 0% Payment plans or the balance transfer facility.
 

Emirates Islamic Cashback Plus Card

 

 

Minimum Salary – AED 12000

 

Annual Membership Fee – AED 314

Features & Benefits
  • Make easy payments on the RTA networks using the NoI chip Cashback Plus credit card from Emirate Islamic Bank. 
  • Enjoy complimentary access to over 1000 airport lounges all over the world using your Emirates Islamic Cashback credit card. 
  • The Cashback Plus credit card from Emirates Islamic Bank offers up to 10% cashback on all kinds of grocery shopping. 
  • Get up to 5% cashback when spending on telecom-related expenses and electronic store purchases.
  • 1% cashback on all other kinds of domestic transactions or international ones. 
  • Get 2 complimentary golf sessions every week. 
  • Up to 10% discount on several dining outlets across the world using this Emirates Islamic credit card. 
  • Get the offer buy 1 get 1 movie ticket twice every month and complimentary Reels cinema ticket with your Emirates Islamic credit card. 
  • Enjoy Easy Payment plans and balance transfer facility on Emirates Islamic Cashback Plus credit card. 
  • Complimentary travel accident and travel inconvenience insurance for the cardholders. 
 

Emirates Islamic Skywards Signature Credit Card

 

 

Minimum Salary – AED 10000

 

Annual Membership Fee – AED 700

Features & Benefits
  • An exclusive card with special miles reward program for all cardholders, the Emirates Islamic Skywards Signature credit card come with an array of value-added services for your benefit. 
  • Get 1,5 Skywards Miles with every Dollar you spend on Emirates Airlines.
  • Enjoy 1.1 Skywards Miles on every internationally spent Dollar with your Emirates Islamic credit card and 0.75 Miles on every dollar you spend on domestic transactions in the UAE. 
  • Also, get a free supplementary e-Shopper card for all your online shopping. 
  • Get complimentary access to over 1000 different airport lounges across the world using your Emirates Islamic credit card. 
  • Up to 30% off on dining with several participating cafés and restaurants across the UAE. 
  • Enjoy a complimentary multi-trip family travel insurance plan of USD 500,000 and get a travel insurance letter for visa and such purposes. 
  • Get extended warranty, card fraud cover and a purchase protection benefit for your Emirates Islamic Skywards Signature credit card. 
  • 1 free valet parking benefit for the cardholder every month and 2 complimentary sessions of golf every month. 
  • Balance Transfer and 0% Easy Payment Plan facility for the cardholders. 
  • Additional benefits and deals offered by Visa for Visa cardholders. 
 

Emirates Islamic Skywards Black Credit Card

 

 

Minimum Salary – AED 50000

 

Annual Membership Fee – AED 4000

Features & Benefits
  • An exclusive card with special miles reward program for all cardholders, the Emirates Islamic Skywards Signature credit card come with an array of value-added services for your benefit. 
  • Get 1,5 Skywards Miles with every Dollar you spend on Emirates Airlines.
  • Enjoy 1.1 Skywards Miles on every internationally spent Dollar with your Emirates Islamic credit card and 0.75 Miles on every dollar you spend on domestic transactions in the UAE. 
  • Also, get a free supplementary e-Shopper card for all your online shopping. 
  • Get complimentary access to over 1000 different airport lounges across the world using your Emirates Islamic credit card. 
  • Up to 30% off on dining with several participating cafés and restaurants across the UAE. 
  • Enjoy a complimentary multi-trip family travel insurance plan of USD 500,000 and get a travel insurance letter for visa and such purposes. 
  • Get extended warranty, card fraud cover and a purchase protection benefit for your Emirates Islamic Skywards Signature credit card. 
  • 1 free valet parking benefit for the cardholder every month and 2 complimentary sessions of golf every month. 
  • Balance Transfer and 0% Easy Payment Plan facility for the cardholders. 
  • Additional benefits and deals offered by Visa for Visa cardholders. 
 

EIB Skywards Infinite Credit Card

 

 

Minimum Salary – AED 25000

 

Annual Membership Fee – AED 2000

Features & Benefits
  • An Every cardholder can avail of a free Skywards Silver membership with their Emirates Islamic Skywards Infinite credit card. 
  • Get unlimited free access to over a thousand airport lounges across the world using your Emirates Islamic Skywards Infinite credit card. 
  • Get 2 Skywards Reward Miles on every US dollar you spend with Emirates Airlines, 1.5 Skywards Rewards on every US dollar spent internationally and 1 Skywards Rewards Mile on every US dollar worth currency spent domestically. 
  • Get a free e-Shopper card for your online shopping on all platforms available digitally. 
  • Enjoy 2 free valet parking services every month with your Emirates Islamic credit card. 
  • Get a multi-trip family travel insurance as a complimentary benefit on the Emirates Islamic Skywards Infinite credit card. 
  • Extended warranty, card fraud protection and purchase protection added as further complimentary benefits of the card. 
  • Up to 30% discount on dining with select restaurants across the UAE. 
  • Get additional Visa INFINITE benefits with the card. 
 

Emirates Islamic Etihad Guest Platinum Credit Card

 

 

Minimum Salary – AED 15000

 

Annual Membership Fee – AED 1500

Features & Benefits
  • An NFC enabled credit card that can be used for the Tap and Pay action. 
  • Get 2 Etihad Guest Miles on every US dollar you spend on online transactions and transactions done using mobile wallets. 
  • Get 2 Etihad Guest Miles when you spend one US dollar on Etihad Airlines, 1.5 Guest Miles when you spend one US dollar internationally and 1 Guest Mile on every dollar you spend domestically.
  • Get a Joining bonus of up to 30,000 Etihad Guest Miles as a gift. 
  • Ear 10% of your Etihad Guest Miles back when you redeem them on Flight bookings or upgradation. 
  • Get up to 50% off on your movie tickets, bought any day of the week as well as on special Movie Enjoy movie nights. 
  • Get 2 free in-flight Wi-Fi vouchers every year with your Emirates Islamic Etihad Guest Platinum Credit Card. 
  • Free four airport pickups to and from Abu Dhabi airport for all cardholders. 
  • Complimentary purchase protection and extended warranty insurance. 
  • Balance transfer and 0% Easy Payment Plan facility for the cardholders. 
 

Emirates Islamic Etihad Guest Platinum Credit Card

 

 

Minimum Salary – AED 8000

 

Annual Membership Fee – AED 199

Features & Benefits
  • Enjoy a joining bonus of 55,000 Etihad Guest Miles when you get your Emirates Islamic Etihad Guest Premium Credit Card.
  • Earn 3.5 Etihad Guest Miles on every US dollar you spend on Etihad Airlines, 3 Etihad Miles on every dollar spent internationally, and 2 Etihad Guest Miles on every dollar spent domestically. 
  • Earn up to 2.5 Etihad Guest Miles on every dollar spent on two chosen categories. You can choose two categories from options like apparel shopping, online transactions, hotels, car rentals, dining, mobile wallets, beauty, etc.
  • Get 50% of your Etihad Guest Miles back when you redeem them on Etihad Airlines flight bookings or upgrades. 
  • Enjoy up to 4 in-flight free Wi-Fi vouchers in one membership year. 
  • Get free entry to over a thousand airport lounges across the world. 
  • Free valet parking four times a month for all primary and supplementary cardholders. 
  • Up to 50% cashback on your movie ticket purchases and movie night tickets from Movie Enjoy. 
  • Complimentary multi-trip travel insurance plan, purchase protection, card fraud protection, and extended warranty on the Emirates Islamic Etihad Guest Premium Credit Card.
 

Emirates Islamic Credit Card Limit


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.

 

How to Apply for Emirates Islamic Credit Card?


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.

 

Emirates Islamic Credit Card Charges


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.

 

Why Choose Emirates Islamic Credit Cards?

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.

 

How to Cancel the Emirates Islamic Credit Card?

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.

Apply for a Mashreq Credit card & Get up to 2000 AED joining bonus

Avail up to 20% Cashback on daily spends! Simply apply with your Emirates ID