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.
Current welcome offer
Earn an AED 500 noon.com gift voucher as a new cardholder
- Spend AED 5,000 on retail purchases within 60 days of card issuance
- Apply by 31 December 2026 and have the card issued by 31 January 2027
- Apply directly via Emirates Islamic's noon offer page (not through third-party sites)
- New Emirates Islamic credit card customers only, not combinable with other promotions
Expected offer expiry: December 2026
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 October 2026.
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Questions people ask
What does the Emirates Islamic RTA Credit Card earn?
A free Islamic RTA card with a built-in nol chip paying 10% on RTA transport paid at RTA offices and machines and 10% on fuel, each capped at AED 75 a month, 2.25% on international spending outside the European Economic Area and the UK and 1.25% on most other spending, but nothing in a statement cycle with under AED 1,000 of retail spending.
What does the Emirates Islamic RTA Credit Card cost?
No annual fee and no joining fee.
What does spending abroad cost on the Emirates Islamic RTA Credit Card?
Spending abroad costs about 3.69% all in: Emirates Islamic's 2.54% (VAT included) on foreign currency transactions plus about 1.15% for Visa, which Emirates Islamic says is charged in addition. A transaction abroad billed in AED carries 1.99% instead of 2.54%. Spending in the European Economic Area and the UK earns 0.56%, not 2.25%.
What should I watch out for with the Emirates Islamic RTA Credit Card?
The 10% on RTA transport applies only to card payments at RTA offices, machines, service centres and agents; topping up nol or Salik online or in the RTA app earns nothing. Nothing at all is earned in a statement cycle with less than AED 1,000 of retail spending. The 10% on transport and on fuel stops at AED 75 of cashback a month each.
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