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Emirates Islamic
Emarati Credit Card
IslamicNo salary transfer needed
Min. salary
AED 12,000
Annual fee
AED 0
Monthly rate
3.59%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
52.7%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.59%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 52.7%
- Minimum salary
- AED 12,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Exclusive to UAE nationals
- Welcome bonus: AED 1,500 in EI SmartMiles (150,000 SmartMiles) on spending AED 30,000 within 60 days of card opening
- Earn up to 3.75 EI SmartMiles per AED 1 on international spend (up to 3.75% back) and up to 2.50 per AED 1 on domestic spend
- Unlimited complimentary access to 1,200+ airport lounges worldwide via Visa Airport Companion App
- Up to 2 complimentary Marhaba Meet & Greet Silver services per year
- 2 complimentary valet parking services per month at designated UAE locations
- Buy-1-Get-1 Roxy Cinemas tickets twice a month (up to Director's Box & Platinum) plus 20% off food and beverages
- 50% off talabat food orders twice a month (max AED 20 discount per order)
- Exchange SmartMiles to Emirates Skywards, Etihad Guest, Smiles and UPoints by Emaar; redeem from 4,000 SmartMiles
- 0% Easy Payment Plans; up to 4 supplementary cards with valet and LoungeKey access
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.