Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - RTA Card Emirates Islamic - RTA Card Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: Yes Cashback: Yes Annual Fee: AED 0 Rate: 3.49%
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Key Benefits

Fuel Spends

Get 10% Cashback on Fuel Spends.

RTA Transport Payments

Get 10% Cashback on RTA Transport Payment.

Guaranteed Cashback on all spends

Earn up to 2.25% cashback per AED 1 Spend.

NOL Card

Built in Nol card for easy access and payments on RTA transport network.

Reward Benefits

Enjoy up to 10% Cashback

RTA Transport Payments10%AED 100
Fuel Stations10%AED 100
InternationalUp to 2.25%Unlimited
Domestic (Base Cashback*)Up to 1.25%Unlimited

Cashback Redemption

Redeem your cashback points within seconds through Online Banking or through our Mobile Banking app.
All you need to do is follow the steps below:
  • Log in to your Emirates Islamic account through Online Banking or Mobile Banking
  • Click on 'Cards'
  • Tap on 'Rewards'
  • Select 'Redemption' and submit your request.

Additional Benefits

  • Facilities available on the RTA Credit Card
  • Complimentary Reel Cinemas Movie Tickets
  • Enjoy 15% off on Emaar Entertainment Attractions
  • Emergency Cash and Card replacement
  • Extended Warranty
  • Payment Options
  • Purchase Protection

Salary Requirement: 
  • 5,000 AED For UAE Nationals
  • 10,000 AED For Expats

Representative Example

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual profit rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different profit rates and fee structures.
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