Emirates Islamic Bank Credit Cards – Emirates Islamic Bank Credit Cards Requirements
Emirates Islamic Bank Credit Cards. Emirates Islamic Bank has established itself as a leading institution in the Islamic banking sector, providing a wide range of financial products and services since its founding in 2004. Among its standout offerings are the Emirates Islamic credit cards, which have gained considerable popularity in the United Arab Emirates (UAE). These cards are designed with various features to meet the diverse financial requirements and preferences of UAE residents.
In this article, we explore the Emirates Islamic Bank credit cards in detail, highlighting their distinct benefits, eligibility requirements, and the steps involved in the application process.
Emirates Islamic Credit Cards
Emirates Islamic Bank offers an extensive selection of 13 unique credit cards, each designed to meet specific financial needs and lifestyle choices.
Here’s an overview of some of the standout credit cards available from Emirates Islamic Bank:
1. Emirates Islamic RTA Card
- Required Minimum Income: AED 5,000
- Annual Fee: Free for Life
The Emirates Islamic RTA Card not only exempts cardholders from annual fees, but offers many benefits as well, such as cashback rewards, the Nol Card, and transport payment perks. This card offers exclusive discounts on RTA transportation and fuel expenses.
2. Emirates Islamic Flex Elite Credit Card
- Required Minimum Income: AED 15,000
- Annual Fee: AED 700
The Emirates Islamic Flex Elite Credit Card offers airport lounge access, valet parking, and golf benefits for those with a higher income. Travel insurance up to USD 500,000 is also included free of charge for cardholders.
3. Emirates Islamic Cashback Plus Credit Card
- Required Minimum Income: AED 12,000
- Annual Fee: AED 313.95
Emirates Islamic Cashback Plus Credit Card cards offer generous cashback programs, allowing cardholders to take advantage of a variety of benefits. There is also the option of transferring balances from other credit cards, which further enhances your financial flexibility.
4. Emirates Islamic Skywards Signature Credit Card
- Required Minimum Income: AED 12,000
- Annual Fee: AED 735
The Emirates Islamic Skywards Signature Credit Card offers frequent flyers access to up to 100,000 Skywards Miles, fast-track membership to Emirates Skywards Gold Tier, and easy payment plans.
5. Emirates Islamic Skywards Infinite Credit Card
- Required Minimum Income: AED 25,000
- Annual Fee: AED 1,999
Emirates Islamic Skywards Infinite Credit Card offers an unbeatable combination of free lounge access and bonus Skywards Miles, including 100,000 bonus Skywards Miles.
6. Emirates Islamic Skywards Black Credit Card
- Required Minimum Income: AED 50,000
- Annual Fee: AED 5,000/3,000*
Emirates Islamic Skywards Black Credit Card is designed for high earners seeking luxury and exclusivity. Taking travel experiences to new heights with Skywards Miles rewards and airport lounge access.
7. Emirates Islamic Cashback Credit Card
- Required Minimum Income: AED 5,000
- Annual Fee: AED 367.5
Emirates Islamic Cashback Credit Card offers cashback rewards with no minimum spend requirement. Additionally, it provides purchase protection and extended warranty coverage, making it a great option for everyday expenses.
8. Emirates Islamic Etihad Guest Platinum Credit Card
- Required Minimum Income: AED 5,000
- Annual Fee: AED 208.95
Emirates Islamic Etihad Guest Platinum Credit Card is available to Etihad Airways enthusiasts. Get up to 10% cashback on flight redemptions, discounted movie tickets, and even 50% back on movie tickets.
9. Emirates Islamic Emarati Credit Card
- Required Minimum Income: AED 12,000
- Annual Fee: Free for Life
Emirates Islamic Emarati Credit Card allows UAE nationals access to international airport lounges and valet parking, as well as the opportunity to earn EI SmartMiles.
10. Emirates Islamic Etihad Guest Premium Credit Card
- Required Minimum Income: AED 15,000
- Annual Fee: AED 1,575 for 25,000 Etihad Guest Miles, AED 2,625 for 55,000 Etihad Guest Miles
The card offers exclusive benefits, such as an upgrade to Etihad Guest Gold Tier status, 50% rewards on flight redemptions, and 4 free inflight WiFi vouchers per year.
11. Emirates Islamic Etihad Guest Saqer Credit Card
- Required Minimum Income: AED 10,000
- Annual Fee: AED 934.95
The Etihad Guest Silver Tier Card will help you quickly earn miles on every dollar spent, and it will give you up to 20% of your miles back on flight redemptions. Additionally, it provides free airport transfers between Abu Dhabi and the city.
12. Emirates Islamic Etihad Guest Ameera Credit Card
- Required Minimum Income: AED 10,000
- Annual Fee: AED 733.95
This card offers exceptional value due to its easy upgrades to Etihad Guest Silver Tier status and its extensive miles-back benefits. A 50% cashback offer is also available to cardholders on movie tickets.
Eligibility Criteria And Required Documents
Emirates Islamic credit cards are only available in the UAE if you meet specific eligibility criteria and supply the necessary documentation.
Eligibility Criteria
- UAE resident
- Your preferred card requires a minimum monthly salary
- Salaried or self-employed
- Regular income source
Required Documents
- Emirates ID (original and copy)
- Verified passport accompanied by a visa (original and copy)
- Trade license (self-employed)
- Recent bank statements (at least 3 months old)
- An appointment letter or a letter of salary transfer
- Provide utility bills or tenancy agreements
- Salary slips (for salaried workers)
Emirates Islamic Credit Cards Apply
Emirates Islamic credit cards are now easier to apply for than ever before. A comprehensive range of banking solutions is available in the UAE through the official Emirates Islamic website.
You can access an array of benefits when you use these online portals, including 24/7 customer service, expert guidance, the ability to compare multiple credit card options, and exclusive discounts and offers. Discover and compare credit cards that meet your unique financial needs with this one-stop solution.
Key Features And Benefits Of Emirates Islamic Bank Credit Cards
Each Emirates Islamic Bank Credit Card comes with a host of features designed to provide maximum convenience and value to cardholders. Some of the key features include:
- Sharia Compliance: All credit cards are Sharia-compliant, ensuring that your financial activities align with Islamic principles.
- Flexible Payment Options: Enjoy easy installment plans with low-profit rates, making large purchases more manageable.
- Wide Acceptance: Emirates Islamic Bank credit cards are accepted at millions of locations worldwide, ensuring you can use them wherever you go.
- Online Banking and Mobile App: Manage your credit card, track expenses, and make payments conveniently through the bank’s online banking portal or mobile app.
Tips For Managing Your Emirates Islamic Bank Credit Card
Managing your credit card responsibly is crucial to maintaining a healthy financial lifestyle. Here are some tips to help you make the most of your Emirates Islamic Bank Credit Card:
- Pay Your Bills on Time: Always pay at least the minimum amount due to avoid late fees and penalties.
- Monitor Your Spending: Regularly check your account statements to keep track of your expenses.
- Utilize Rewards and Offers: Take full advantage of the rewards, cashback, and discounts offered by your card.
FAQs ABout Emirates Islamic Bank
Is Emirates NBD And Emirates Islamic Bank The Same?
The Emirates NBD Group operates through Emirates Bank International and National Bank of Dubai, which provide retail, wholesale, and treasury services. Emirates Islamic Bank provides Sharia-compliant products for retail and corporate banking clients of Emirates NBD Group.
Which Bank Is Emirates Islamic Bank Under?
Bank is a subsidiary of Emirates NBD PJSC, Dubai (the “Group Holding Company ”).
Can I Deposit In Emirates NBD For Emirates Islamic?
In all our CDMs, you will be able to deposit cash into any of our Emirates NBD or Emirates Islamic bank accounts.
Conclusion
For UAE residents, Emirates Islamic Bank offers a wide range of credit cards to meet their needs, no matter what their lifestyle or financial status is. This credit card offers cashback rewards, travel benefits, and exclusive discounts to enhance your banking experience. The Emirates Islamic Bank credit cards offer something for everyone, whether you’re a frequent traveler or seeking everyday convenience.
