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.
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, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
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
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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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Emirates Islamic Etihad Guest Platinum Credit Card
Salary: AED 5,000+
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Emirates Islamic Etihad Guest Ameera Credit Card
Salary: AED 12,000+
Annual Fee: AED 699
Welcome Bonus: 20,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
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Emirates Islamic Etihad Guest Saqer Credit Card
Salary: AED 12,000+
Annual Fee: AED 899
Welcome Bonus: 30,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
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Emirates Islamic Etihad Guest Premium Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,500
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Up to 3.5 Etihad Guest Miles per USD spent
Fast-Track to Etihad Guest Gold Status
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Emirates Islamic Skywards Signature Credit Card
Salary: AED 12,000+
Annual Fee: AED 700
Up to 1.5 Skywards Miles per USD spent
Unlimited complimentary access to over 1000 airport lounges
1 complimentary valet parking monthly
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Emirates Islamic Skywards Infinite Credit Card
Salary: AED 20,000+
No Annual Fee for the first year
Up to 2 Skywards Miles per USD spent
Unlimited complimentary access to over 1000+ airport lounges
Automatic Skywards Silver Membership Upgrade
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Emirates Islamic Skywards Black Credit Card
Salary: AED 35,000+
Annual Fee: AED 5,500
Up to 3.5 Skywards Miles per USD spend
Fast track to Emirates Skywards Gold Tier
4 Complimentary Airport Transfers Annually
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Emirates Islamic Switch Cashback Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
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Emirates Islamic Emarati Credit Card
Salary: AED 12,000+
No Annual Fee
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Welcome Bonus: AED 1,000 as EI SmartMiles
Up to 3.75 EI SmartMiles per AED 1
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Salary: AED 5,000+
No Annual Fee
10,000 EI SmartMiles Welcome Bonus
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Up to 2 Buy 1 Get 1 complimentary movie tickets each month
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