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Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - Emarati Credit Card Emirates Islamic - Emarati Credit Card Minimum Salary: AED 5,000 Salary Transfer: Yes Islamic Finance: Yes Cashback: No Annual Fee: AED 0 Rate: 2.49%
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Designed exclusively for UAE Nationals, the Emarati Credit Card brings you a wide range of lifestyle and travel benefits like never before. 

The Emarati Card is powered by the Emirates Islamic SmartMiles loyalty programme, which offers exclusive travel, shopping and lifestyle benefits. What’s more, you can earn unlimited miles and redeem them without any blackout dates through the unique online redemption portal. Enjoy the flexibility to redeem your EI SmartMiles for free flights, hotels and retail transactions instantly anywhere in the world. 
  • Welcome bonus of 25,000 EI SmartMiles worth AED 250
  • Get 3 EI SmartMiles per 1AED for international spend and 2 EI SmartMiles per 1AED for domestic spend
  • Free for life card
  • Preferential pricing
  • Complimentary unlimited access to over 750 airport lounges worldwide
  • Free valet parking
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide
  • Shop with your EI SmartMiles anytime, anywhere using the new “Instant Purchase” feature
  • Miles Exchange with our partner’s frequent flyer programmes Etihad Guest and JetPrivilege
  • A wide range of shopping options with Emirates Islamic's online marketplace
  • Mazaya offers
  • Visa PayWave
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