Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - Emarati Credit Card Emirates Islamic - Emarati Credit Card Minimum Salary: AED 12,000 Salary Transfer: No Islamic Finance: Yes Cashback: No Annual Fee: AED 0 Rate: 3.39%
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Emarati Credit Card comes in a sleek metal with cutting-edge design and brings you endless travel and lifestyle benefits and much more.

  • Exclusive Metal Card designed for Emarati No Annual Membership Fee.
  • EI SmartMiles rewards programme Up to 3.75 EI SmartMiles per 1 AED spend.
  • Enjoy a Complimentary Access to Dubai Ladies Club.
  • 2 valet parking service per month.
  • Preferential Pricing
  • Instant Purchase
  • Gift EI SmartMiles
  • Welcome bonus of 10,000 EI SmartMiles.
  • Miles Exchange
  • Travel over 300 airlines and more than 180,000 hotels worldwide
  • Unlimited complimentary access to over 1000 airport lounges worldwide
  • Online Market Place
  • Exclusive Metal Card designed for Emarati
  • Global Concierge
  • Multi-trip travel insurance
  • Enjoy 15% off on Emaar Entertainment Attractions
  • Extended Warranty
  • Purchase Protection
  • Supplementary Card
  • Cash-on-Call and Cash Advance facility
  • Balance Transfer
  • Meet & Greet Silver Service
  • Visa Luxury Hotel Collection
  • Payments on-the-go
  • Complimentary Reel Cinemas Movie Tickets: Enjoy up to 3 "Buy 1 Get 1" complimentary movie tickets each month
Additional Information


You need to be a UAE national and require a minimum salary of AED 15,000 per month to be eligible for this card.

To apply for this credit card is fairly simple. All you need to do is fill the online form and provide the documents listed below:

  • Passport Copy
  • Emirates ID
  • Salary Certificate
  • 3 month bank statement
** 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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