Best Credit Card In UAE

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+971
Citibank Cashback Credit Card Offers

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Free for life
  • Earn EI SmartMiles on all your purchases
  • Multiple cards for partners & employees
  • Unlimited complimentary airport lounge access

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Multiple cards for your partners and your employees
  • Better control on business expenses such as business travel, dining, utility bill payments and much more
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • 0% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Cash-On-Call facility through 24/7 phone banking service.
  • Earn EI SmartMiles on all your purchases
  • Wide range of redemption options - flights, hotels and other retail transactions
  • Easy payment plans for better cash flow management
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • Fine Dining Discounts
  • Kaligo Business Discounts
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Balance transfer facility on existing business credit cards from other banks
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 350

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • 10% cashback on telecom expenses
  • 5% cashback on electronic expense
  • Earn cashback on all spends
  • No fee if annual spend is above AED 5,000

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 350

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • 10% guaranteed cash back on telecom expenses
  • 5% guaranteed cash back on electronic purchases
  • 1% guaranteed cash back on all other transactions
  • 10 tiickets under Buy1 get 1 at vox and 20% off at Roxy
  • No minimum spend criteria for earning cash back rewards
  • Free for life card based on annual spend of AED 5000
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Balance transfer facility
  • Purchase protection
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • 4 free months of Anghami Plus

Reward Features

Earn Cashback on your Emirates Islamic Cashback Card

  • 10% cashback on telecom expenses (capped at AED 100)
  • 5% cash back on electronic purchases (capped at AED 100)
  • 1% guaranteed cash back on all other local and international transactions
  • No minimum spend criteria for earning cash back rewards

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Cashback redemption is done via Online/Mob Banking

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 299

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn up to 10% cashback on specific categories
  • Embedded Nol chip for RTA benefits
  • Umlimited Lounge Access
  • Complimentary Golf any day of the week

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Cashback Plus Free for life- offer expires on 31st December 2020

Key Features

  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Auto top-up facility on Salik and Nol
  • Gold Class Cabin access
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Cashback on your Emirates Islamic Cashback Plus Credit Card

Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:

  • Up to AED 2,499 - 0% cashback
  • Between AED 2,500 & AED 7,499 - 3% cashback
  • Between AED 7,500 & AED 14,999 - 5% cashback
  • Above AED 15,000 - 10% cashback

Maximum Cash Back Per Month - AED 200 for above categories, except Education as the cap is AED400.

Things To Be Aware Of

  • AED 2500 minimum should be spend to earn cashback
  • For telecom spends on this card use direct payment channels
  • Cashback points Redemption is done via Online/Mob Banking

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Welcome Bonus of 10,000 EI SmartMiles
  • Free for life
  • Unlimited EI SmartMiles

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome bonus of 10,000 EI SmartMiles worth AED 100

Key Features

  • Welcome bonus of 10,000 EI SmartMiles
  • Access to over 200 airport restaurant offers globally
  • Earn EI SmartMiles on all spends - domestic & international
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Mazaya offers
  • Purchase protection
  • Extended warranty & purchase protection on purchases made on the card
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 4 free months of Anghami Plus

Reward Features

Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:

  • Earn 1.25 EI SmartMiles per AED 1 on domestic spend.
  • Earn 2.25 EI SmartMiles per AED 1 on international spend.

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Welcome bonus of 75,000 EI SmartMiles
  • Online Market Place
  • Unlimited Complimentary Golf Any Day of the Week
  • Free Valet Parking
  • Extensive premium lifestyle & travel benefits

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.

Key Features

  • Welcome bonus of 75000 EI SmartMiles
  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

 

Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

 

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

Things To Be Aware Of

  • Specific categories of spend have lower earn rates
  • Welcome miles will be given once AMF is paid

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Cashback on all local and international transactions
  • Free for life
  • Additional Cashback on Fuel and RTA payments

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on fuel spends
  • 10% cash back on RTA transport payments
  • 2.25% cash back on international spends
  • 1.25% cash back on all other spends
  • Visa Luxury Hotel collection offers
  • Access to over 200 airport restaurant offers globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 10 tickets under Buy1 get 1 at VOX and 20% off at Roxy
  • 8% discount on hotel bookings made at Hotels.com
  • Auto Top-up facility for NOL and Salik Accounts
  • Use your card like the RTA Nol Card
  • Purchase protection
  • 4 free months of Anghami Plus
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Emergency medical & legal referral service
  • Mazaya offers

Reward Features

Earn upto 1.25% cashback per AED 1 on domestic spend  

Earn upto  2.25% cashback per AED 1 on international spend

Earn 10% cash back on fuel spends (max AED 100 p.m)

Earn 10% cash back on RTA transport payments (max AED 100 p.m)

Things To Be Aware Of

  • Bonus cashback categories have maximum caps
  • Need to call the bank to redeem cashback

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 400

  • Balance Transfer
  • Earn Skywards Miles on all spends
  • Dining & shopping discounts in dubai and across UAE

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 400

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Enjoy earning Miles for every USD 1 spend
  • Mazaya Offers Programme
  • Balance transfer facility
  • 8% discount on hotel bookings made at Hotels.com

Things To Be Aware Of

  • Skywards Miles will not be earned for some categories

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 2,000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Complimentary Emirates Skywards Silver Membership
  • Complimentary Valet Parking Service
  • Enjoy unlimited comp. access to over 1000 airport lounges
  • Earn additional Skyward Miles with ExtraMiles App

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Automatic upgrade offer to Emirates Skywards Silver membership.
  • Free Valet parking up to 2 times per month
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • Up to 2 Skywards Miles per USD spent on your Emirates Islamic Skywards Infinite Credit Card
  • Earn additional Skyward Miles with ExtraMiles App
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 8% discount on hotel bookings made at Hotels.com
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Visa Premium Concierge service
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

On your Emirates Islamic Infinite Skywards Credit card you will earn Emirates Skywards Miles on all spends

  • Earn 1 Mile for every USD 1 spent on local transactions.
  • Earn 1.5 Miles for every USD 1 spent on international transactions.
  • Earn 2 Miles for every USD 1 spent on all Emirates Airlines transactions.
  • Earn additional Skyward Miles with ExtraMiles App.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 700

  • Golf offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn Skywards Miles on all spends
  • Double Miles on spends at Emirates Airlines
  • Complimentary golf offers

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Enjoy earning Miles for every USD 1 spend on all local and international transactions
  • Additional Skywards Miles for all spends at Emirates Airlines
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Mazaya Offers Programme
  • Exclusive golf offers
  • Extended warranty & purchase protection on purchases made on the card
  • Balance transfer facility
  • Golf offers across the globe
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

  • Earn 0.6 Miles for every USD 1 spent on local transactions
  • Earn 0.75 Miles for every USD 1 spent on international transactions
  • Earn 1 Mile for every USD 1 spent on all Emirates Airlines transactions

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Complimentary Valet Parking Service
  • Complimentary golf any day of the week
  • Enjoy unlimited comp. access to over 1000 airport lounges
  • Earn additional Skyward Miles with ExtraMiles App

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Earn EI SmartMiles for every retail spend on your card
  • Earn double Skyward Miles for spends at Emirates Airlines
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Complimentary Valet Parking Service
  • Earn additional Skyward Miles with ExtraMiles App
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Mazaya Offers Programme
  • Visa Luxury Hotel collection offers
  • Complimentary rounds twice a month at the Arabian Ranches or Track Meydan. Discounts at 14 clubs in UAE and Muscat
  • Balance transfer facility
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

On your Emirates Islamic Skywards Signature credit card earn Emirates Skywards Miles on all spends

  • Earn 0.75 Miles for every USD 1 spent on local transactions
  • Earn 1.1 Miles for every USD 1 spent on international transactions
  • Earn 1.5 Miles for every USD 1 spent on all Emirates Airlines transactions
  • Earn additional Skyward Miles with ExtraMiles App

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Welcome bonus of 6000 Tamayaz points
  • Free for life
  • Free Valet Parking

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome bonus of 6,000 Tamayaz Points

Key Features

  • Complimentary welcome bonus of 6,000 Tamayaz Points
  • 10 tickets under Buy1 get 1 at Vox and 20% off at Roxy
  • Up to 3 Tamayaz Points for every Dirham spent at Union Coop store
  • Tamayaz Points earned on all local and international transactions
  • Redeem Tamayaz Points against purchases at Union Coop stores
  • One free valet parking every month at select locations
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Free for life card
  • Tap and pay experience with Visa Paywave
  • Purchase protection cover
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Instant Discounts and offers and Shopper valet service at select Union Coop stores
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Emergency medical & legal referral service
  • Global assistance
  • 4 free months of Anghami Plus

Reward Features

Earn Union Coop Tamayaz Points

  • Earn upto 3 Tamayaz Points for every Dirham spent at Union Coop store
  • Earn 2 Tamayaz Points for every Dirham on International Spend
  • Earn 1 Tamayaz Points for every Dirham on Local Spend
  • Domestic spends under govt services will earn 0.6 Tamayaz points per AED 1 of spend

Things To Be Aware Of

  • Spends under govt services earn lower Tamayaz points
  • Higher point value for shareholders of Union Cooperative
  • Call the bank to transfer Tamayaz Points to Tamayaz account

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Life time free card along with a AED 300 Noon.com voucher
  • Enjoy MasterCard Buy 1 Get 1 offers
  • Earn rewards on all domestic & international spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Life time free credit card along with a AED 300 Noon.com voucher.  Apply online now!

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Discounted chauffeur rides with Careem
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • MarkaVIP online shopping discounts
  • Card fraud protection
  • 0% Easy Installment Plan
  • Sky Shopper

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points rewards on all domestic and international spends - 1 Plus Point for every AED 100 retail spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.
  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

Emirates Islamic Bank

The bank came into existence in 2004 with an aim to deliver the highest standards of banking services in accordance with the Sharia principles. Emirates Islamic offers a wide range of products designed for individuals, small businesses, and large corporations.

Islamic banking helps to contribute towards a more equitable distribution of income and wealth and increased equity participation in the economy. By utilizing Islamic financing tools like Murabaha, Ijarah and Takaful, the bank reduces the uncertainty in transactions and provide solutions that are right for the customers, whether they are an individual looking to save or a large corporation searching for a long-term partner. Emirates Islamic’s new brand reflects innovative approach to their commitment to delivering the best financial solutions in the market. Irrespective of what your financial needs are, the bank has the solutions that work for you.

The services and products offered are –

  • Accounts
  • Cards
  • Finance – Personal Finance, Commercial Property finance, Home Finance, Auto Finance, Financing against shares
  • Priority Banking – Investment term deposits, Forex, Wealth Solutions
  • Business Banking - Trade Finance, smart BUSINESS, Payroll solution etc.

Emirates Islamic Bank Credit Cards

EIB’s Flex card is one of the best credit cards in UAE with its reward feature. EIB offers both Emirates Skywards and Etihad Guest cobrand cards for customers who prefer travel cards. They also offer cashback credit cards and Lifestyle credit cards. Their Emarati Credit card is unique and is quite popular in the Emirati community. Explore our Top 10 Emirates Islamic credit cards.

Comprehensive Analysis: Golf Offers on Emirates Islamic Credit Cards

Emirates Islamic Credit Cards offer various enticing golf privileges to cardholders, depending on the card tier and associated benefits. Below is a detailed analysis of the offers extended to customers, including eligibility criteria, complimentary rounds, minimum retail spend requirements, and cancellation policies.

Offer Details by Card type:

Premium Credit Cards offered by Emirates Islamic:  Skywards Black, Skywards Infinite, Etihad Guest Premium, Flex Elite:

  • Number of Free Golf Rounds: Unlimited complimentary golf rounds.
  • Minimum Retail Spend: AED 10,000 per calendar month.
  • Cancellation Policy: The first two cancellations in a calendar month are free of charge. A fee of AED 250 per cancellation applies from the third cancellation onwards.
  • Supplementary Cards: Supplementary cardholders are eligible. They need to register the card separately to avail themselves of the offer.

Popular mid-range credit cards:  Skywards Signature, Etihad Guest Saqer, Etihad Guest Ameera, Cashback Plus:

  • Number of Free Golf Rounds: 2 complimentary rounds of golf.
  • Minimum Retail Spend: AED 5,000 per calendar month.
  • Cancellation Policy: Similar to the higher tier cards, the first two cancellations in a calendar month are free. Subsequent cancellations incur a fee of AED 250 per cancellation.
  • Supplementary Cards: Supplementary cardholders can also benefit by registering their cards separately.

 EXPO Card:

  • Number of Free Golf Rounds: 2 complimentary rounds of golf.
  • Minimum Retail Spend: AED 5,000 per calendar month.
  • Cancellation Policy: First two cancellations within a calendar month are exempt from charges. However, subsequent cancellations are subject to a fee of AED 250 per cancellation.
  • Supplementary Cards: Supplementary cardholders can avail the offer after separate registration.

Evaluation of the Offers:

Generosity of Offers: The unlimited complimentary golf rounds offered with higher tier cards provide exceptional value to frequent golfers, while the 2 complimentary rounds offered with other cards cater to more occasional players  

Minimum Retail Spend: The minimum retail spend requirements vary across card tiers, with higher tier cards requiring a higher spend threshold. This encourages increased card usage among customers.

Cancellation Policy: The policy of allowing two free cancellations per calendar month before imposing charges provides flexibility to cardholders while also incentivizing responsible use of the complimentary rounds.

Supplementary Card Eligibility: Allowing supplementary cardholders to benefit from the golf offers extends the value proposition to a wider customer base, enhancing customer satisfaction and loyalty.

Conclusion:

Overall, the golf offers extended to Emirates Islamic Credit Cardholders present an attractive proposition, catering to golf enthusiasts' diverse needs and preferences across different card tiers. The combination of complimentary rounds, minimum spend requirements, and cancellation policies ensures a balance between value delivery and responsible utilization of the benefits. Moreover, the inclusion of supplementary cardholders further enhances the accessibility and appeal of these offers, contributing to a positive customer experience and increased card usage.

In summary, Emirates Islamic Credit Cards' golf privileges serve as a compelling incentive for customers, reinforcing the card's value proposition and fostering long-term relationships with cardholders.

Cinema Benefits on Emirates Islamic Credit Cards

Emirates Islamic Credit Cards offers a range of enticing cinema benefits to cardholders, allowing them to enjoy exciting movie experiences at discounted rates or with exclusive offers. Below is a comprehensive review of the cinema benefits provided across various Emirates Islamic Credit Card products:

Cashback Plus Card, Cashback Card, Flex Credit Card, Skywards Signature Credit Card, Emarati Credit Card, RTA Credit Card, Switch Cashback Credit Card:

    Offer: Maximum "Buy 1 Get 1" free tickets per month, up to 2 tickets.

    Minimum Spend: AED 3,000 per calendar month.

    Eligible Experiences: Valid for 2D and 3D Standard & Standard Plus experiences.

 Skywards Infinite Credit Card, Flex Elite Credit Card:

    Offer: Maximum "Buy 1 Get 1" free tickets per month, up to 3 tickets.

    Minimum Spend: AED 5,000 per calendar month.

    Eligible Experiences: Valid for 2D and 3D Standard & Standard Plus experiences.

Skywards Black Credit Card:

    Offer: Enjoy up to 4 "Buy 1 Get 1" complimentary movie tickets each month at Vox Cinemas.

    Minimum Spend: AED 5,000 per calendar month.

    Eligible Experiences: Applicable on a wide range of movie experiences, including 2D Regular, 2D Premium View, 3D Regular, 3D Premium View, 2D MAX, 3D MAX, 2D IMAX, and 3D IMAX.

Review:

The cinema benefits offered by Emirates Islamic Credit Cards present attractive incentives for cardholders, enhancing their entertainment experiences while also providing value for their spending. Here's a breakdown of the key highlights:

 Variety of Cards: With cinema offers available across multiple card products, Emirates Islamic caters to different customer segments and preferences, ensuring that a wide range of cardholders can benefit from discounted or complimentary movie tickets.

Generous Offers: The "Buy 1 Get 1" free ticket offer is a popular and valuable benefit, allowing cardholders to enjoy movies with friends or family members at reduced costs. The maximum number of free tickets per month varies based on the card tier, providing flexibility to match individual preferences and usage patterns.

Flexible Spending Requirements: The minimum retail spend thresholds required to unlock the cinema benefits are reasonable and achievable for many cardholders, providing opportunities to earn rewards while covering everyday expenses.

Eligible Experiences: The inclusion of various movie experiences, including 2D, 3D, Standard, and Premium View, ensures that cardholders have access to a diverse range of cinema options, catering to different preferences and tastes.

 Exclusive Benefits: The Skywards Black Credit Card stands out with its enhanced cinema offer, providing up to 4 complimentary movie tickets per month at Vox Cinemas. This exclusive benefit adds significant value to the card and enhances the overall cardholder experience.

Conclusion:

In conclusion, the cinema benefits extended to Emirates Islamic Credit Cardholders add substantial value to the card products, enriching cardholders' entertainment experiences and incentivizing card usage. With a variety of offers available across different card tiers and flexible spending requirements, Emirates Islamic Credit Cards provide attractive incentives for movie enthusiasts to enjoy quality cinema experiences while maximizing their card benefits. 

Airport Lounge Offers on Emirates Islamic Credit Cards

Emirates Islamic Credit Cards provide an array of enticing airport lounge benefits to cardholders, enhancing their travel experiences with access to over 1000 airport lounges worldwide. Here's a comprehensive review of the lounge offers across various Emirates Islamic Credit Card products:

Cashback Card, Flex Credit Card, Skywards Signature Credit Card, Emarati Credit Card, RTA Credit Card, Switch Cashback Credit Card:

Offer: Enjoy unlimited complimentary access to over 1000 airport lounges.

Eligibility: Cardholders need to register at www.loungekey.com.

First Visit: The first lounge visit in a calendar year is complimentary.

Subsequent Visits: For additional visits in the same calendar year, a minimum foreign currency spend of USD 1, or equivalent is required on both primary and supplementary cards 15 days prior to the lounge visit. Failure to meet this criterion results in a charge of US $27 per usage.

Guest Access: Accompanying guests incur a fee of US $27 per person per visit.

Skywards Infinite Credit Card, Flex Elite Credit Card, Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera:

Offer: Unlimited complimentary access to over 1000 airport lounges with a guest.

Eligibility and Conditions: Like the above-mentioned cards, with the inclusion of guest access at the same fee structure.

Skywards Black Credit Card:

Offer: Enjoy unlimited complimentary access for the cardholder and one guest to over 1000 airport lounges.

Eligibility and Conditions: Same as other cards, with the additional benefit of guest access.

Review:

The airport lounge offers on Emirates Islamic Credit Cards provide significant value to cardholders, offering a premium travel experience with access to exclusive lounges worldwide. Here are the key highlights of the lounge benefits:

Extensive Lounge Access: With access to over 1000 airport lounges globally, cardholders can enjoy luxury amenities, comfortable seating, complimentary refreshments, and other perks, enhancing their travel experience.

Unlimited Complimentary Visits: The provision of unlimited complimentary visits to airport lounges adds substantial value to the card products, allowing cardholders to relax and unwind before their flights without incurring additional charges.

Guest Access: The inclusion of guest access options allows cardholders to share the lounge experience with companions, enhancing the overall travel experience for both primary cardholders and their guests.

Flexible Eligibility Criteria: While a minimum spend requirement is necessary for subsequent visits in a calendar year, the criteria are reasonable and achievable for most cardholders, ensuring continued access to lounge benefits.

Convenient Registration Process: The registration process at www.loungekey.com is straightforward, providing cardholders with easy access to lounge benefits and enabling them to plan their travel arrangements seamlessly.

Conclusion:

In conclusion, the airport lounge offers on Emirates Islamic Credit Cards elevate the travel experience for cardholders, providing them with exclusive access to premium airport lounges worldwide. With unlimited complimentary visits, guest access options, and flexible eligibility criteria, these lounge benefits enhance the value proposition of Emirates Islamic Credit Cards, making them an attractive choice for frequent travelers seeking luxury and convenience during their journeys.

Airport Transfer Features on Emirates Islamic Credit Cards

Emirates Islamic Credit Cards offer a range of airport transfer benefits to enhance the travel experience for cardholders. Let's delve into a detailed review of the airport transfer features across various Emirates Islamic Credit Card products:

Skywards Black Credit Card:

Offer: Enjoy up to 4 complimentary airport transfers per calendar year to or from Dubai airport.

Eligibility: Benefit available when Emirates Airways transaction is done using Emirates Islamic Skywards Black Credit Card, within the last 6 months, and the Emirates flight is scheduled on the date of the requested airport transfer (+/-12 hours).

Conditions: A minimum foreign currency spend of USD 1 or equivalent is required on both primary and supplementary cards 15 days prior to the lounge visit. Failure to meet this criteria results in a charge of US $27 per usage.

Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera:

Offer: Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.

Eligibility: Available when an Etihad Airways transaction is done using Emirates Islamic Etihad Guest Credit Card, within the last 6 months, and the Etihad flight is scheduled on the date of the requested airport transfer (+/-12 hours).

Conditions: Similar to other cards, with additional charges applicable for exceeding the maximum complimentary transfer services. 

The airport transfer features on Emirates Islamic Credit Cards offer valuable benefits to cardholders, enhancing their travel experiences with convenient and complimentary airport transfer services. Here's an overview of the key highlights:

Complimentary Transfers: Cardholders can enjoy a specified number of complimentary airport transfers per calendar year to or from designated airports, providing them with convenience and comfort during their travels.

Eligibility Criteria: The eligibility criteria are clearly defined, requiring specific transactions to be made within a specified timeframe to avail the airport transfer benefits, ensuring that cardholders meet the necessary conditions for accessing the services.

Additional Charges: While the initial transfers are complimentary, additional charges may apply if cardholders exceed the maximum complimentary transfer services or fail to meet the spend criteria, ensuring that the benefits are utilized responsibly.

Convenient Booking Process: The process for availing the airport transfer benefits is streamlined, allowing cardholders to easily request and schedule transfers in advance, enhancing the overall travel experience.

Conclusion:

In conclusion, the airport transfer features on Emirates Islamic Credit Cards offer significant value to cardholders, providing them with convenient and complimentary transfer services to enhance their travel experiences. With clear eligibility criteria and conditions, cardholders can leverage these benefits responsibly, ensuring a seamless and comfortable journey to and from the airport. Overall, these features contribute to making Emirates Islamic Credit Cards a preferred choice for travelers seeking convenience and luxury during their trips.

Valet Parking Offers on Emirates Islamic Credit Cards

Emirates Islamic Credit Cards provide a range of benefits to cardholders, including valet parking services aimed at enhancing convenience and luxury. Let's explore and review the valet parking offers available across various Emirates Islamic Credit Card products:

Skywards Signature Credit Card:

Offer: Cardholders can enjoy 1 complimentary valet parking service per month at select locations across the UAE.

Eligibility: A minimum monthly retail spend of AED 3,000 on the card is required to avail of the benefit.

Conditions: If the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be billed to their credit card.

Skywards Infinite Credit Card:

Offer: Enjoy 2 complimentary valet parking services per month at select locations across the UAE.

Eligibility: Cardholders must meet a minimum monthly retail spend of AED 5,000 on the card to avail the benefit.

Conditions: Like the Signature Credit Card, failure to meet the spend criteria or exceeding the maximum complimentary services will result in the actual service amount being billed to the credit card.

Flex Elite Credit Card:

Offer: Indulge in the convenience of 2 complimentary valet parking services each month at designated locations throughout the UAE.

Eligibility: A minimum monthly retail spend of AED 5,000 on the card is required to access this perk.

Conditions: As with other cards, if the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be charged to their credit card.

Emarati Credit Card:

Offer: Avail 2 complimentary valet parking services per month at selected locations across the UAE.

Eligibility: Every eligible Emarati Credit Card holder, including supplementary cardholders, can access this benefit.

Conditions: The same spend criteria and billing conditions apply as with other cards.

Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera:

Offer: Enjoy 1 complimentary valet parking service per month at select locations across the UAE.

Eligibility: Cardholders must meet the specified minimum monthly retail spend on their respective cards.

Conditions: Similar to other cards, if the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be billed to their credit card.

RTA Credit Card:

Offer: Cardholders can avail themselves of 1 complimentary valet parking service per month at select locations across the UAE.

Eligibility: A minimum monthly retail spend is required on the card to access this benefit.

Conditions: If the spend criteria are not met or if cardholders exceed the maximum complimentary services, the actual service amount will be charged to their credit card.

Review:

The valet parking offers on Emirates Islamic Credit Cards provide cardholders with added convenience and luxury during their day-to-day activities. Here's a summary of the key highlights:

Complimentary Services: Cardholders can enjoy a specified number of complimentary valet parking services per month at select locations across the UAE, making it convenient for them to park their vehicles hassle-free.

Eligibility Criteria: Each card has specific eligibility criteria, such as minimum monthly retail spend, ensuring that cardholders who meet the spending requirements can access the valet parking benefits.

Billing Conditions: If cardholders fail to meet the spend criteria or exceed the maximum complimentary services, the actual service amount will be billed to their credit card, ensuring transparency and accountability.

Convenient Redemption Process: To access the valet parking benefits, cardholders simply need to present their Emirates Islamic Credit Card at the valet parking desk, making it easy and hassle-free to redeem the offer.

Conclusion:

In conclusion, the valet parking offers on Emirates Islamic Credit Cards provide cardholders with added convenience and luxury, allowing them to enjoy complimentary valet parking services at select locations across the UAE. With clear eligibility criteria and billing conditions, cardholders can access these benefits responsibly, enhancing their overall experience and making Emirates Islamic Credit Cards a preferred choice for those seeking convenience and luxury in their everyday activities.

Emirates Islamic Credit Card Meet and Greet Offer

Emirates Islamic offers an array of credit cards tailored to meet the diverse needs of its customers, each packed with enticing benefits and privileges. One such perk is the Meet and Greet service, which aims to enhance the travel experience by providing personalized assistance at the airport. Here, we'll delve into the details of this offer across various Emirates Islamic credit cards.

Overview of the Offer:

The Meet and Greet service is designed to streamline the airport experience by offering personalized assistance to cardholders. Whether it's navigating through the terminal, expediting security and immigration procedures, or assistance with baggage, this service aims to make travel hassle-free.

Eligibility and Conditions:

To avail of the Meet and Greet service, cardholders need to maintain a minimum monthly retail spend on their Emirates Islamic credit card. The required spend varies depending on the type of credit card, ranging from AED 3,000 to AED 5,000 per calendar month. Additionally, each cardholder is entitled to a specific number of complimentary Meet and Greet services per year, typically up to two services annually.

Billing and Charges:

If the minimum spend criteria are not met or if the cardholder exceeds the maximum complimentary service usage, their credit card will be billed with the applicable service fee. The fee structure varies across different credit cards and may also depend on the specific terms and conditions associated with each card.

Flex Credit Card: Offers up to 2 complimentary Meet and Greet services per year, with a minimum monthly spend requirement of AED 3,000.

Skywards Infinite Credit Card: Provides up to 2 complimentary Meet and Greet services annually, with a minimum monthly spend of AED 5,000.

Etihad Guest Premium Credit Card: Offers up to 2 complimentary Meet and Greet services per year, with a minimum monthly spend requirement of AED 5,000.

RTA Credit Card: Provides up to 2 complimentary Meet and Greet services per year, with a minimum monthly spend of AED 3,000.

Highlights:

Personalized assistance at the airport enhances the overall travel experience.

Complimentary services are provided as part of the credit card benefits.

Offers convenience and peace of mind, especially for frequent travelers.

Be watchful of:

Minimum monthly spending requirements may be a barrier for some cardholders.

Exceeding the maximum complimentary usage may result in additional charges.

Availability of the service may be subject to booking and scheduling constraints.

Conclusion:

The Meet and Greet service offered by Emirates Islamic credit cards is a valuable addition for travelers seeking convenience and comfort during their airport journey. While the eligibility criteria and charges vary across different credit cards, the overall benefit of personalized assistance remains consistent. For frequent flyers and those looking to elevate their travel experience, this service presents a compelling reason to consider Emirates Islamic credit cards. However, potential cardholders should carefully review the terms and conditions to ensure that the benefits align with their travel needs and spending habits.

Travel insurance offers on Emirates Islamic credit cards:

Travel insurance is a valuable feature offered by many credit cards, providing numerous benefits and peace of mind to customers embarking on journeys near and far. This insurance coverage typically encompasses a range of protections tailored to travelers' needs, including medical emergencies, trip cancellations, lost baggage, and more.

One of the primary benefits of travel insurance offered on Emirates Islamic credit cards is the financial protection it offers against unexpected events. For instance, in the unfortunate event of a medical emergency, while traveling abroad, such insurance can cover medical expenses, hospitalization costs, and even emergency medical evacuation, which can be exorbitantly expensive without adequate coverage. Similarly, if a trip needs to be canceled or interrupted due to unforeseen circumstances such as illness, injury, or a natural disaster, travel insurance can reimburse non-refundable expenses such as flights, accommodations, and tour bookings.

Moreover, lost, or delayed baggage can be a significant inconvenience for travelers, but with travel insurance, cardholders can receive compensation for essential items and clothing purchases until their belongings are returned or replaced. Additionally, some credit card travel insurance policies extend coverage to rental car collisions, providing reimbursement for damage or theft, thus eliminating the need for separate rental car insurance.

Aside from financial protection, travel insurance also offers invaluable assistance services. This may include access to a 24/7 emergency hotline staffed by multilingual representatives who can provide guidance, assistance, and coordination in emergencies, such as locating medical facilities or arranging emergency transportation.

Another advantage of credit card travel insurance is its accessibility and ease of use. Unlike standalone travel insurance policies that may require separate purchases and documentation, coverage through credit cards is often automatic when travel expenses are paid for with the card. This simplifies the process for cardholders and ensures they have coverage without the hassle of additional paperwork or premiums.

In conclusion, travel insurance provided by credit cards is a valuable and convenient feature that offers comprehensive protection and assistance to travelers. By safeguarding against unforeseen events and offering peace of mind, it enhances the overall travel experience and allows cardholders to explore the world with confidence.

Cashback Card, Flex Credit Card, and RTA Credit Card, Skywards Signature Credit Card, Flex Elite Credit card, Emarati Credit Card, Etihad Guest Premium, Etihad Guest Saqer, Etihad Guest Ameera, and Skywards Black Credit Card:

Travel Insurance: Automatically covered travel accident and travel inconvenience insurance on all trips of up to 90 days duration.

In summary, all the mentioned credit cards offer automatic travel accident and travel inconvenience insurance coverage for trips lasting up to 90 days duration.

Meet and Greet offers on Emirates Islamic Credit Cards

The mentioned credit cards offer various levels of complimentary Marhaba Meet & Greet services, providing cardholders with personalized assistance and convenience at airports in Dubai and Abu Dhabi. Here's an overview of the offers:

Etihad Guest Ameera, Etihad Guest Premium, and Etihad Guest Saqer:

Offer: Up to 2 complimentary Marhaba Silver Meet & Greet (Dubai) or Salam Basic (Abu Dhabi) services per year.

Eligibility: Minimum monthly retail spend of AED 3,000 for Etihad Guest Ameera and Saqer, AED 5,000 for Etihad Guest Premium.

Billing: If spending criteria are not met or maximum complimentary service usage is exceeded, the applicable service fee is billed to the credit card.

Flex Elite Credit Card:

Offer: Up to 2 complimentary Marhaba Meet & Greet services annually.

Eligibility: Maintain a minimum monthly retail spend of AED 5,000.

Billing: If exceeding maximum complimentary service usage or not meeting spend criteria, the applicable service fee is billed to the credit card.

RTA Credit Card, Skywards Black Credit Card, Skywards Infinite Credit Card, Skywards Signature Credit Card, and Switch Cashback Credit Card:

Offer: Up to 2 complimentary Marhaba Meet & Greet services per year.

Eligibility: Minimum monthly retail spend of AED 3,000 for all mentioned cards.

Billing: Similar to other cards, if spending criteria are not met or maximum complimentary service usage is exceeded, the applicable service fee is billed to the credit card.

Overall, these credit cards provide added value to travelers by offering complimentary meet and greet services, enhancing their airport experience with personalized assistance, provided certain spending requirements are met.


Popular Cards from Emirates Islamic Bank (EIB) Income Eligibility Annual Fee Interest / Profit Rate
Emirates Islamic Business Card AED 10,000 AED 0 3.25%
Emirates Islamic Cashback Card AED 5,000 AED 350 3.49%
Emirates Islamic Cashback Plus Card AED 5,000 AED 299 3.49%
Emirates Islamic Flex Credit Card AED 5,000 AED 0 3.49%
Emirates Islamic Flex Elite Credit Card AED 25,000 AED 700 3.49%
Emirates Islamic RTA Credit Card AED 5,000 AED 0 3.49%
Emirates Islamic Skywards Gold Credit Card AED 5,000 AED 400 3.25%
Emirates Islamic Skywards Infinite Credit Card AED 25,000 AED 2,000 3.09%
Emirates Islamic Skywards Platinum Credit Card AED 5,000 AED 700 3.25%
Emirates Islamic Skywards Signature Credit Card AED 12,000 AED 700 3.25%
Emirates Islamic Union Coop Tamayaz Card AED 5,000 AED 0 3.49%
Emirates NBD MasterCard Titanium Credit Card AED 5,000 AED 0 3.25%

FAQs

  • Passport copy (along with visa page for expats) and Emirates ID copy
  • Previous bank statements (only for those who do not have an account with Emirates Islamic)
  • Employment Information (I.e. Salary Certificate, trade license and financials etc.)
  • Undated Security Cheque for full credit limit plus 20%
  • Approved Employer with Salary Transferred to Emirates Islamic – AED 5000
  • Approved / Un Approved Employer with Salary Not Transferred to Emirates Islamic – AED 8000
  • Self-employed – AED 20,000 monthly average income

One can apply for Emirates Islamic Bank credit cards in UAE through

  • Visiting one of the bank’s branches and submitting required documents
  • Apply directly on the bank’s online application forms.
  • Banks Kiosks at various locations

 Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.

Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most credit card and personal finance options. The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based tool can show customers which cards can save maximum Dhirams based on their customized spend.

EIB cards offer features such as Complimentary Movies, Golf, Valet parking, Airport Lounge access, Travel Insurance, Purchase Protection, Extended Warranty and so on. While some cards are loaded with features, one can refer to Emirates Islamic Bank credit page on Soulwallet to understand the specific features of cards

Yes, Emirates Islamic Bank credit cards such as Cashback, Cashback plus and RTA cards offer cashback on the spend. These are popular Cashback credit cards in the UAE.

Emirates Islamic Credit Cards offer various golf privileges depending on the card tier/ type, including complimentary rounds, minimum retail spend requirements, and cancellation policies.

Emirates Islamic offers unlimited complimentary golf on its premium credit cards such as Skywards Black, Skywards Infinite, Etihad Guest Premium, and Flex Elite, while credit cards such as Skywards Signature, Etihad Guest Saqer, Etihad Guest Ameera, and Cashback Plus offer 2 complimentary rounds as of April 2024. The offer is subject to change.

Premium Credit Cards, such as Skywards Black, Skywards Infinite, Etihad Guest Premium, and Flex Elite, offer unlimited complimentary golf rounds with a minimum retail spend of AED 10,000 per calendar month.

Mid-range credit cards like Skywards Signature, Etihad Guest Saqer, Etihad Guest Ameera, and Cashback Plus offer 2 complimentary rounds of golf with a minimum retail spend of AED 5,000 per calendar month.

No, both Premium and mid-range credit cards allow two free cancellations per calendar month. However, subsequent cancellations incur a fee of AED 250 per cancellation.

Yes, supplementary cardholders are eligible for the golf privileges offered by Emirates Islamic Credit Cards. They need to register their cards separately to avail themselves of the offer.

The unlimited complimentary golf rounds offered with Premium Credit Cards cater to frequent golfers, while mid-range credit cards provide 2 complimentary rounds for more occasional players.

The minimum retail spend requirement encourages increased card usage among customers to qualify for golf privileges.


Emirates Islamic Credit Cards offer "Buy 1 Get 1" free movie tickets at Reel Cinema, with varying maximum limits per month depending on the card type.

Cards eligible for the cinema offers include Cashback Plus Card, Cashback Card, Flex Credit Card, Skywards Signature Credit Card, Emarati Credit Card, RTA Credit Card, Switch Cashback Credit Card, Skywards Infinite Credit Card, Flex Elite Credit Card, and Skywards Black Credit Card.


The number of free movie tickets per month varies depending on the card tier, ranging from 2 tickets for some cards to 4 tickets for others.

The minimum spend requirement for the cinema offers is AED 3,000 per calendar month for some cards and AED 5,000 per calendar month for others.

The cinema offers are valid for 2D and 3D Standard & Standard Plus experiences across all eligible cards.

The cinema benefits are generally applicable to standard movie screenings and may not be valid for special events or screenings.


To avail of the cinema benefits, simply use your Emirates Islamic Credit Card to purchase movie tickets, and the discount or complimentary ticket will be applied automatically based on the card's offer.

There are typically no blackout dates for using the cinema benefits; however, availability may vary depending on the cinema's schedule and ticket availability.

The cinema benefits offered by Emirates Islamic Credit Cards may not be combined with other promotions or discounts unless specified by the cinema's terms and conditions.

You can track your cinema benefit usage and monitor your eligibility through your Emirates Islamic Credit Card account statement or online banking portal.


Emirates Islamic Credit Cards provide access to over 1000 airport lounges worldwide, offering cardholders a premium travel experience

Cardholders need to register at www.loungekey.com to access airport lounges with their Emirates Islamic Credit Cards.

The first lounge visit in a calendar year is complimentary for Emirates Islamic Credit Cardholders.

For additional visits in the same calendar year, cardholders must have a minimum foreign currency spend of USD 1 or equivalent on both primary and supplementary cards 15 days prior to the lounge visit.

Failure to meet the minimum spend criterion results in a charge of US $27 per usage for additional lounge visits

Yes, accompanying guests are allowed at a fee of US $27 per person per visit for most Emirates Islamic Credit Cards.

No, lounge access benefits may vary depending on the specific Emirates Islamic Credit Card. Higher-tier cards like Skywards Black may offer additional benefits such as guest access.

Most Emirates Islamic Credit Cards offer unlimited complimentary lounge visits, providing cardholders with flexibility and convenience during their travels.

Ensure that you meet the eligibility criteria, including registration at www.loungekey.com, and fulfill any minimum spend requirements for subsequent lounge visits.

Yes, both primary and supplementary cardholders can enjoy the airport lounge benefits offered by Emirates Islamic Credit Cards, subject to meeting the eligibility criteria and any associated fees for guest access.