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Emirates Islamic RTA Credit Card
Earn 10% cashback on RTA transport and fuel spends plus up to 2.25% on other purchases. No annual fee.
Updated Jun 2026
≈ AED 1,068 value / year · incl. perks
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 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Emirates Islamic RTA Credit Card expects AED 5,000+ 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.
Rewards
10%
cashback on RTA transport payments
10% cashback on RTA transport payments including metro, bus, and other RTA-operated transport.
See full breakdown10%
cashback on fuel spends
10% cashback on fuel transactions at petrol stations across the UAE.
See full breakdown2.25%
cashback on all other local and international spends
2.25% cashback on all other local and international retail spends. Reduced rate of 0.3% applies to government, utilities, education, and insurance transactions.
See full breakdownRewards Calculator
July Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
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Additional Benefits
VOX Cinemas BOGO Tickets
2 Buy-One-Get-One free tickets per month at VOX
Enjoy 2 Buy-One-Get-One free movie tickets per month at VOX Cinemas. Complimentary ticket of equal or lesser value.
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
Free
Joining Fee
Free
Annual Fee
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% of transaction amount or AED 103.95, whichever is higher
Supplementary CardFree*
*Up to 4 complimentary supplementary cards
Card ReplacementAED 78.75
Slip RetrievalAED 52.5
Direct Debit Return FeeAED 105
International Transaction Fee (non-AED)2.54%*
*2.54% 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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Salary: AED 10,000+
No Annual Fee for the first year
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Up to 4 complimentary airport lounge visits per year
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Salary: AED 5,000+
Free for Life — no annual fee
4% on supermarket, dining, fuel & sports
2% on international spends
Exclusive FC Barcelona experiences
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Emirates Islamic Cashback Credit Card
Salary: AED 5,000+
Annual Fee: AED 350
5% Cashback on telecom
5% Cashback on electronics
Up to 1% cashback on all local and international spends
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Emirates Islamic Cashback Plus Credit Card
Salary: AED 12,000+
Annual Fee: AED 299
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
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