CashbackIslamic
Emirates Islamic
RTA Credit Card
The RTA Credit Card is a cashback credit card from Emirates Islamic. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Min. monthly spend
AED 1,000
Material
Plastic
Card highlights
- 10% cashback on RTA transport (cap AED 75/mo) and fuel (cap AED 75/mo)
- 2.25% cashback on international spend, 1.25% domestic, 1% groceries
- Built-in nol chip with Auto Top-Up (AED 50, 100 or 200) and Salik Auto Top-Up
- BOGO Reel Cinemas tickets (up to 2/mo) with AED 3,000 monthly spend
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Fuel | 10% | AED 75 |
| Transport | 10% | AED 75 |
| International spend | 2.25% | No cap |
| Travel | 1.25% | No cap |
| Retail | 1.25% | No cap |
| Dining & food | 1.25% | No cap |
| Online shopping | 1.25% | No cap |
| Supermarket | 1% | No cap |
| Utilities | 0.13% | No cap |
| Education | 0.13% | No cap |
| Real estate | 0.13% | No cap |
EEA and UK spends earn a reduced cashback rate of 0.56%, separate from the International rate. Published in the card's own cashback grid.
Benefits & perks
- •Built-in nol card chip for seamless RTA transport network payments
- •Nol Auto Top-Up: choose AED 50, 100 or 200 auto recharge
- •Salik Auto Top-Up for hands-free toll recharges
- •Buy 1 Get 1 free at Reel Cinemas: up to 2 tickets/month (min. AED 3,000 monthly spend)
- •Purchase protection: up to 90 days, USD 5,000 per incident and USD 20,000 per year
- •Extended warranty: up to 1 additional year on purchases
- •Emergency card replacement
- •Emergency medical and legal referral service
Every card is checked against official bank sources. Last updated September 2026.
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