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Emirates Islamic Emirates Islamic Emarati Credit Card
Emirates Islamic

Emirates Islamic Emarati Credit Card

Exclusive card for UAE nationals

Apply at bank

Key facts

Min salary
AED 12,000/mo
Annual fee
Free for life
Salary transfer
Not required
FX fee
1.84%
Monthly interest
3.59%
Interest-free days
55 days

Earn rates

  • Groceries
    No cap
    1 pts / AED
  • Bills & telecom
    No cap
    Excluded category
    0.25 pts / AED
  • Fuel
    No cap
    Excluded category
    0.25 pts / AED
  • School fees
    No cap
    Excluded category
    0.25 pts / AED
  • Everything else
    No cap
    EI SmartMiles; 1 SM = AED 0.01; UAE nationals card
    2.5 pts / AED

The fine print that matters

  • Late payment commitment

    AED 131.25/month charity donation

  • Over limit fee

    AED 261.45/month

  • Cash advance fee

    3.15% or AED 103.95 whichever higher

  • Replacement card fee

    AED 210 for Emarati card replacement

  • FX fee

    1.84% lower FX rate vs other EI cards

This card loves groceries. So do these deals →

20% off RightBite meal plan with code JOSS20
20% off RightBite meal plan with code JOSS20
Up to 60% off pet food at Choitrams on Talabat app
Up to 60% off pet food at Choitrams on Talabat app
Not sure it fits you?

Take the 60-second quiz and find your best UAE credit card.

Info only, not financial advice. Always check the bank's Key Facts Statement.