Emirates Islamic RTA Credit Card

No. Both the joining fee and the annual fee are AED 0, so there's no cost to open or keep the card each year. If you carry a balance you'll still see a Monthly Profit Rate of 3.69% (44.28% per annum), plus a minimum monthly payment of 5% of the outstanding balance and any fees or charges.

Eligible RTA ticket-office, vending-machine and authorised-agent payments and fuel each earn 10%, capped at AED 75 per category monthly, after AED 1,000 retail spend in the statement cycle. Online NOL and Salik top-ups do not qualify.

Other eligible international spend earns up to 2.25%, domestic 1.25%, EEA/UK 0.56%, supermarkets 1%, fast food 0.31%, auto and insurance 0.19%, and education, telecom and property 0.13%. Government and charity spend earns nothing.

You need a minimum monthly salary of AED 5,000 and must be at least 21 years old. The card also requires UAE residency as part of its eligibility rules.

Transactions in a non-AED currency carry a 2.54% international transaction fee, while AED transactions processed abroad carry a separate 1.99% foreign currency transaction fee. A cash advance costs 3.15% of the amount withdrawn or AED 103.95, whichever is higher.

Yes. Emirates Islamic is an Islamic bank and its credit cards, including the RTA card, are structured to be Shariah compliant.

One cashback point equals AED 1. A minimum of 300 points is required to redeem, and points are valid for two years from the date earned. Redeem through EI+ Online Banking or the EI+ Mobile Banking app.