Emirates Islamic
Emarati Credit Card
The Emarati Credit Card is a rewards credit card from Emirates Islamic. It has no annual fee, and needs a minimum salary of AED 12,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 12,000/mo
Rewards in
EI SmartMiles
Material
Plastic
Card highlights
- Earn 3.75 EI SmartMiles per AED 1 abroad, 2.5 on domestic spend (excludes supermarkets, fuel, utilities and similar)
- 1 complimentary airport lounge visit a year (1,200+ lounges via Visa Airport Companion); guests charged USD 32
- 2 free valet parkings a month and 2 Marhaba meet-and-greet services a year (both need AED 5,000+ monthly spend)
- BOGO Roxy Cinema tickets twice a month plus multi-trip travel takaful when booked on the card
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% |
EEA and UK spends earn a reduced SmartMiles rate, separate from the International rate. Published on the card's own EI SmartMiles earning page. In Perkly's terms that is about 0.33% back, not the international rate shown above.
Current welcome offer
Earn AED 1,000 cashback as a welcome bonus
- AED 1,000 cashback when you spend AED 15,000 or more on retail purchases within 60 days of card issuance
- New-to-Bank UAE Nationals only; existing Emarati cardholders and those who closed an Emirates Islamic card in the last 6 months are not eligible
- Apply between 1 September and 31 October 2026, card approved by 10 November 2026
Expected offer expiry: October 2026
Benefits & perks
- •2 complimentary valet parking services per month at selected UAE locations (with AED 7,500 monthly spend)
- •Buy 1 get 1 movie tickets at Roxy Cinemas, 2 times per month, plus 20% off food and drinks (with AED 5,000 monthly spend)
- •2 complimentary Marhaba Silver meet-and-greet services per calendar year in Dubai (with AED 5,000 monthly spend)
- •Complimentary Sharjah Ladies Club access for women cardholders (with AED 5,000 monthly spend)
- •Airport lounge access at 1,200+ lounges via Visa Airport Companion: 1 complimentary visit per calendar year
- •SmartMiles transferable to airline and hotel partners (Skywards, Etihad, Marriott and more)
- •50% off 2 talabat food orders per month (up to AED 20 off per order, until 30 June 2027)
- •Multi-trip travel insurance (takaful) covering accident and inconvenience on trips up to 90 days
- •0% Easy Payment Plan over 3, 6, 9 or 12 months at partner outlets (Sharaf DG, Carrefour and more)
- •Extended warranty: up to 1 extra year
- •Purchase protection
- •24/7 global concierge
About this card
- •EI SmartMiles rewards: each SmartMile is worth AED 0.01 in statement credit
Every card is checked against official bank sources. Last updated September 2026.
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More from Emirates Islamic
Emirates Islamic Flex Credit Card
- Earn up to 2.25 EI SmartMiles per AED 1 on international spend, 1.25 on domestic
- Redeem SmartMiles instantly as statement credit (100 = AED 1) or transfer to Etihad, Skywards, Qatar Avios and more
Updated September 2026