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.

You earn 10% cashback on RTA transport payments, covering metro, bus, and other RTA-operated transport, and a separate 10% cashback on fuel transactions at petrol stations across the UAE. These two categories are the card's headline earn rates.

All other local and international spends earn up to 2.25% cashback. A reduced rate of 0.3% applies specifically to government, utilities, education, and insurance transactions, so expect a much lower return if most of your spending falls into those categories.

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.

Cardholders get 2 Buy-One-Get-One-Free movie tickets per month at VOX Cinemas. The complimentary ticket is of equal or lesser value than the one you purchase.

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 A cash advance costs 3.15% of the amount withdrawn or AED 103.95, whichever is higher.