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Co-brand rewards
Emirates Islamic
RTA Credit Card
IslamicNo salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
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
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- 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.
- Built-in Nol chip for seamless payments on the RTA transport network
- 10% cashback on RTA transport payments, capped at AED 75 per month
- 10% cashback on fuel stations, capped at AED 75 per month
- 2.25% cashback on international spends and 1.25% on domestic spends (unlimited)
- 1% on grocery & supermarkets; 0.56% on EEA/UK spends (unlimited)
- Salik auto top-up facility
- Minimum retail spend of AED 1,000 per statement cycle required to earn cashback (effective 1 March 2025)
- Minimum 300 cashback points to redeem; points valid 2 years; 1 point = AED 1
- Reel Cinemas entertainment offer (AED 3,000 minimum monthly retail spend)
- Up to 4 supplementary cards
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.