Lifestyle
Merchant
noon FOOD
Enjoy up to 50% off on noon food during live World Cup matches
Valid until 19 Jul 2026
Emirates Islamic Emarati Credit Card
Sharia-compliant Visa Signature card for UAE Nationals, earning up to 3.75 EI SmartMiles per AED 1 on international spend, no annual fee.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 12,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic Emarati Credit Card expects AED 12,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
100,000 EI SmartMiles Welcome Bonus
100,000 EI SmartMiles (worth AED 1,000) on AED 30,000 spend
Earn 100,000 EI SmartMiles, worth AED 1,000, when you spend AED 30,000 within 60 days of card approval. Alternatively, earn 50,000 EI SmartMiles when you spend AED 15,000 within the same window.
See full breakdownRewards
3.75EI SmartMiles
per AED 1 on international spends.
Earn 3.75 EI SmartMiles per AED 1 spent internationally.
See full breakdown2.5EI SmartMiles
per AED 1 on domestic spends.
Earn 2.5 EI SmartMiles per AED 1 spent locally in the UAE, on categories not covered by another earn rate below.
See full breakdown1EI SmartMiles
per AED 1 on grocery spends.
Earn 1 EI SmartMile per AED 1 spent on groceries and supermarkets.
See full breakdown0.375EI SmartMiles
per AED 1 on insurance and automotive spends.
Earn 0.375 EI SmartMiles per AED 1 spent on insurance and automotive categories.
See full breakdown0.25EI SmartMiles
per AED 1 on government, education, fuel, real estate, telecom and utilities.
Earn 0.25 EI SmartMiles per AED 1 spent on government, education, fuel, real estate, telecom, and utilities categories.
See full breakdownRewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 14View offer
Lifestyle
Merchant
Excellence Driving School
Learn from expert instructors across Dubai and save today.
Valid until 22 Jul 2026
Lifestyle
Merchant
Americana Food
Mouth-watering offers with your Card
Valid until 30 Jul 2026
Lifestyle
Merchant
talabat
Get up to 30% discount across all categories on talabat
Valid until 30 Jul 2026
Additional Benefits
Airport Lounge Access
Unlimited access to 1,000+ airport lounges worldwide
Unlimited complimentary access to over 1,000 airport lounges worldwide via LoungeKey.
See full breakdownGolf
Unlimited complimentary rounds, any day
Unlimited complimentary rounds of golf at partner UAE golf clubs, available any day of the week.
See full breakdownVOX Cinemas Buy 1 Get 1
2 Buy-One-Get-One movie tickets per month
Up to 2 complimentary Buy-One-Get-One movie tickets per month at VOX Cinemas. Requires a minimum of AED 5,000 monthly card spend.
See full breakdownValet Parking
2 complimentary valet parking sessions per month
2 complimentary valet parking sessions per month at partner venues. Requires a minimum of AED 5,000 monthly card spend.
See full breakdownTravel Insurance
Complimentary travel insurance on trips up to 90 days
Complimentary travel insurance covering trips up to 90 days.
See full breakdownEasy Payment Plans
Convert purchases into 0% instalment plans
Convert eligible purchases into 0% easy payment instalment plans.
See full breakdownEligibility
12,000AED
Minimum Income
UAE Nationals only
This Sharia-compliant card is available exclusively to UAE Nationals.
Fees
Free
Annual Membership Fee
Free for life
Free
Supplementary Card
Up to 4 complimentary supplementary cards
3.69%
Monthly Profit Rate
3.69% per month (44.28% per annum)
Minimum Monthly Payment5%*
*5% of outstanding balance and all fees and charges
Commitment to DonateAED 131.25*
*Charged on delayed or missed payments; donated to a bank-approved charity per Shariah requirements.
Over Limit FeeAED 261.45*
*Charged per month while over limit
Cash Advance Fee3.15%*
*3.15% or AED 103.95, whichever is higher
Card ReplacementAED 78.75
Slip RetrievalAED 52.5
Direct Debit Return FeeAED 105
International Transaction Fee (non-AED)1.84%*
*1.84% of transaction amount
Credit Shield1.04%*
*1.04% of outstanding balance per month
Foreign Currency Transaction Fee (AED abroad)1.99%*
*1.99% on AED transactions processed abroad
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