RewardsIslamicUAE Nationals only
Emirates Islamic
Emarati Credit Card
The Emarati Credit Card is a rewards credit card from Emirates Islamic. It has no annual fee.
Annual fee
Free
Joining fee
Free
Rewards in
EI SmartMiles
Material
Plastic
Card highlights
- Earn 3.75 SmartMiles per AED 1 internationally, 2.5 domestically, 1 at supermarkets
- SmartMiles transfer to Skywards, Etihad, Marriott, Avios, Air Arabia and more
- 2 complimentary valet services per month plus 50% off talabat twice a month
- Complimentary Sharjah Ladies Club access, exclusively for UAE Nationals
Earn rates
| Category | Rate |
|---|---|
| International spend | 3.75% |
| Travel | 2.5% |
| Retail | 2.5% |
| Dining & food | 2.5% |
| Transport | 2.5% |
| Online shopping | 2.5% |
| Supermarket | 1% |
| Fuel | 0.12% |
| Utilities | 0.12% |
| Education | 0.12% |
| Real estate | 0.12% |
Current welcome offer
Earn up to 150,000 EI SmartMiles as a welcome bonus
- 150,000 SmartMiles (worth AED 1,500) for spending AED 30,000+ within 60 days of card issuance
- 75,000 SmartMiles (worth AED 750) for spending AED 15,000-29,999 within 60 days of card issuance
- New-to-Bank UAE Nationals only
Expected offer expiry: August 2026
Benefits & perks
- •2 complimentary valet parking services per month
- •50% off talabat food orders, twice a month
- •Complimentary Sharjah Ladies Club access
- •Extended warranty cover
- •Purchase protection
- •SmartMiles redeemable instantly or transferable to airline and hotel partners (Skywards, Etihad, Marriott and more)
Every card is checked against official bank sources. Last updated July 2026.
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