Emirates Islamic
RTA Credit Card
The RTA Credit Card is a cashback credit card from Emirates Islamic. It has no annual fee.
Annual fee
Free
Joining fee
Free
Rewards in
Cashback
Min. monthly spend
AED 1,000
Material
Plastic
Card highlights
- Earn 10% cashback on RTA transport (cap AED 75/mo) and fuel (cap AED 75/mo)
- 2.25% cashback on international spend, 1.25% on domestic purchases
- Built-in nol chip with Salik Auto Top-Up for seamless Dubai commuting
- Extended warranty and purchase protection on eligible purchases
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 |
Rewards on this card are capped at AED 150 a month across all categories (about AED 1,800 a year).
Benefits & perks
- •Built-in nol card chip for seamless access to Dubai's RTA transport network
- •Salik auto top-up for hands-free toll recharging
- •Convenient nol card top-up anytime
- •Extended warranty cover
- •Purchase protection
- •Emergency medical and legal referral assistance
- •Emergency cash and card replacement
- •Entertainment offers
Every card is checked against official bank sources. Last updated July 2026.
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