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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The all-new Emarati Credit Card

Pride. Honor. Value.

Emarati Credit Card comes in a sleek metal with cutting-edge design and brings you endless travel and lifestyle benefits and much more.

Key Benefits

Exclusive Metal Card designed for Emarati

Free for life card..

EI SmartMiles rewards programme

Up to 3.75 EI SmartMiles per 1 AED spend.

Airport Lounge Access

Complimentary unlimited access at 1000 lounges worldwide for Cardholder.

Valet Parking

2 Free valet parking service per month.

About EI SmartMiles

EI SmartMiles rewards programme has been exclusively designed to offer customers travel, shopping and lifestyle benefits. What's more, you can redeem them without any blackout dates. Enjoy the flexibility to redeem your EI SmartMiles for free flights, hotels and retail transactions instantly anywhere in the world.

Get the App

The EI Rewards app is available on iOS and Androidclick here to find out more or scan the QR Code below to access.

How to earn EI Smart Miles:

Emarati Card
International spend*Upto 3.75 EI Smart Miles per AED 1
Domestic Spend*Upto 2.5 EI Smart Miles Per AED 1

What can you do with your EI SmartMiles?

  • Miles Exchange
  • Instant purchase
  • Travel
  • Online Market Place


  • Exclusive Metal Card designed for Emarati
  • Complimentary Reel Cinemas Movie Tickets
  • Enjoy 15% off on Emaar Entertainment Attractions
  • Preferential Pricing
  • Airport Lounge Access
  • Valet Parking
  • Visa Luxury Hotel Collection
  • Payments on-the-go
  • Global Concierge
  • Multi-trip travel insurance
  • Extended Warranty
  • Purchase Protection
  • Supplementary Card
  • Cash-on-Call and Cash Advance facility
  • Balance Transfer
  • Easy Payment Plans

Additional Information


You need to be a UAE national and require a minimum salary of AED 12,000 per month to be eligible for this card.

Easy Steps to Apply

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
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