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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Win exclusive prize with Emarati Credit Card

51 iPhone. 51 Apple Watches.

On the joyous occasion of the 51st UAE National Day, we are pleased to bring you an amazing offer, exclusively for UAE Nationals.

With an Emarati Credit Card, you can enter a raffle draw and get a chance to win one of the below exclusive prizes:

  • 51 iPhones (iPhone 14 Pro Max)
  • 51 Apple Watches (Apple Watch Series 8)
Don't have an Emarati Credit Card yet? Apply now and enjoy 10 extra chances to enter the lucky draw. You can also get 3 additional chances for every AED 100 spent internationally and 1 extra chance for every AED 100 spent locally.

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

Mental card with cutting edge design

EI SmartMiles rewards programme

Earn up to 3.75 EI SmartMiles per 1 AED spent.

Dubai Ladies Club & Sharjah Ladies Club Access

Enjoy a Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.

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 Android.

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
  • Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club
  • Meet & Greet Silver Service

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.

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
** 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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