Emirates Islamic Emarati Credit Card

New-to-bank applicants sourced from 1 September through 31 October 2026 and approved by 10 November earn AED 1,000 cashback after AED 15,000 retail spend within 60 days of card issuance.

The Annual Membership Fee is AED 0, described by Emirates Islamic as "Free for life." The joining fee is also listed as free. Supplementary cards are also free, with up to 4 complimentary supplementary cards available.

The card is restricted to UAE Nationals only, as it's a Sharia-compliant product for citizens rather than expatriate residents. Applicants also need a minimum salary of AED 12,000. Both the nationality restriction and the salary threshold are set directly in the card's eligibility rules.

The current earn table lists 3.75 miles per AED on general international spend, 2.5 on general domestic spend, 0.33 in the EEA and UK, 1 on supermarkets, 0.31 on quick-service restaurants, 0.18 on insurance and automotive spend, and 0.12 on government, education, fuel, real estate, telecom, utilities and charity.

Up to two Roxy Cinemas Buy-One-Get-One tickets each month require AED 5,000 monthly spend. Two monthly valet sessions require AED 7,500 monthly retail spend from 1 March 2026.

The monthly profit rate is 3.59% (43.08% per annum), with a 5% minimum monthly payment. Non-AED transactions carry a 2.30% fee; AED transactions processed abroad carry a 1.99% fee. Cash advances cost 3.15% of the amount or AED 103.95, whichever is higher.