Emirates Islamic Bank Credit Cards

Minimum Salary
0,00 د.إ

Description

Emirates Islamic offers a diverse range of Sharia-compliant credit cards—including travel co-branded, cashback, and lifestyle cards—with uniform profit rates, transparent fee structures, clear eligibility requirements, straightforward documentation, and defined spend thresholds for fee waivers or bonuses. Selecting the right card depends on your income level, primary spend categories (travel, transit, everyday purchases), and desired rewards.

Features

Card Summary

Card Name	Min. Income (AED)	Annual Fee (AED)¹	Murabaha Rate (Retail/month)	Fee Waiver or Bonus Criteria
Skywards Black	20,000	5,775 (split AED 2,100 on issuance + AED 3,675 on Gold qualification)	3.25%	Qualify Skywards Gold by spending AED 12,500 per quarter
Skywards Infinite	15,000	2,100 (or AED 1,048.95 with 10k-miles offer)	3.69%	Welcome bonus miles on card issuance
Skywards Signature	12,000	735	3.69%	Welcome bonus miles
Emarati Credit Card	10,000	0	3.59%	N/A
Flex Platinum	8,000	0 (fee waived first year subject to AED 5,000 spend in 90 days)	3.69%	AED 5,000 within 90 days
Switch Cashback	6,000	313.95 (waived with AED 30,000 annual spend)	3.69%	AED 30,000 per year
Cashback Plus	6,000	313.95	3.69%	N/A
Cashback Platinum	8,000	367.50	3.69%	N/A
RTA Platinum	6,000	0	3.69%	N/A
Expo Credit Card	6,000	0	3.69%	N/A
Easy Credit Card	5,000	0	3.69%	N/A
Union Coop Tamayaz	6,000	0	3.69%	N/A

¹ Annual fees inclusive of 5% VAT.

Profit Rates & Key Charges

Retail Purchases:25%–3.69% per month (Murabaha)
Cash Advances:15% of amount or AED 103.95 (whichever higher) per transaction
Foreign Currency Mark-up:
- Standard: 2.34% on non-AED transactions
- Emarati & Skywards Black: 1.84%
- AED transactions outside UAE: 1.99%
Grace Period: Up to 55 days on purchases when full balance is paid by due date
Minimum Payment Due: 5% of statement balance (including fees & profit)
Over-Limit Fee: AED 261.45 per month if exceeding credit limit
Late Payment Donation: AED 131.25 per month (paid to charity)

Detailed Schedule of Fees

Fee Type	Amount
Issuance Fee	AED 25 one-time
Annual Membership Fee	See Card Summary table
Supplementary Card (up to 4 cards)	Free
Replacement Card	AED 78.75
Duplicate Statement	AED 26.25 (≤3 months) / AED 47.25 (>3 months)
Copy of Sales Voucher	AED 52.50 per request
Direct Debit Return Fee	AED 105 per instance
PIN Replacement Fee	AED 25 per request
Temporary Limit Increase Fee	AED 157.50
Liability Certificate	AED 52.50
Transaction Slip Retrieval	AED 52.50 per request
Over-Limit Fee	AED 261.45 per month
Minimum Payment Due	5% of outstanding balance + all fees/profit

(All charges inclusive of VAT.)

Eligibility Criteria

Age: 21–65 years
Residency: Valid UAE residency visa & Emirates ID
Income: Minimum salary per card tier (AED 5,000–20,000)
Employment: Salaried or self-employed with verifiable income
Credit Profile: Clean report with no defaults

Documents Required

Passport copy with valid UAE residency visa page
Emirates ID (front & back)
Salary certificate and latest 3 months’ bank statements (for salaried)
Salary transfer mandate (payroll cards) or audited financials (self-employed)
Completed credit card application form

Additional Info

Skywards Series (Black/Infinite/Signature)

Welcome Bonus Miles: 10,000–20,000 on issuance
Quarterly Spend Miles: Earn milestone miles on AED 12,500–37,000 spent per quarter
Lounge Access: 4–unlimited visits/year via LoungeKey/Priority Pass
Tier Fast-Track: Silver/Gold status in Etihad Guest
Travel Insurance & Concierge: Varies by tier

Emarati & Flex Platinum

Rewards Points: 1 point per AED 1 spend (redeem for flights, hotels, vouchers)
0% Easy Payment Plans: 2%–2.99% processing fee for 3–12 month plans
Cash on Call: Up to 80% of limit at 1.56% reducing rate

Cashback Cards (Switch, Plus, Platinum)

Tiered Cashback: Up to 10% on groceries, transport; 1–2.25% on other categories
Monthly Caps: As per card terms
Fee Waiver: Applicable for Switch with AED 30,000 annual spend

RTA, Expo, Easy, Union Coop Tamayaz

RTA Platinum: 10% cashback on Nol & fuel (capped AED 75/mo); 1.25% domestic; 2.25% international
Expo & Easy: No annual fee; basic rewards & instalment offers
Union Coop Tamayaz: Exclusive shopping & fuel discounts at Union Coop