Emirates Islamic Emarati Credit Card, UAE
Credit cards in the UAE are more than just a way to pay—they’ve become gateways to lifestyle privileges, travel perks, and exclusive rewards. Among the most distinguished is the Emirates Islamic Emarati Credit Card, designed specifically for UAE Nationals who value financial convenience paired with unmatched lifestyle benefits. With no annual fee, competitive profit rates, and access to everything from luxury lounges to entertainment discounts, this card blends practicality with prestige.
Why the Emirates Islamic Emarati Credit Card Stands Out
The Emarati Credit Card is not just another piece of plastic—it’s a tailored product that acknowledges the lifestyle of UAE Nationals. Holders gain access to EI SmartMiles rewards, exclusive dining and entertainment offers, and global travel privileges, making it one of the most competitive credit cards in Dubai and the wider UAE banking landscape.
Key highlights include:
- Minimum salary requirement: AED 12,000
- Annual fee: AED 0 (lifetime free)
- Profit rate: 3.39% per month
- Cash advance fee: 3% (min. AED 99)
- Foreign transaction fee: 2.99%
Who Is Eligible?
This card is exclusively available for UAE Nationals, reflecting Emirates Islamic Bank’s commitment to offering Emiratis financial solutions aligned with their lifestyle and aspirations.
Reward Features: EI SmartMiles Program
At the heart of this card lies EI SmartMiles, a flexible and generous rewards program.
- 2.5 SmartMiles per AED 1 spent domestically
- 3.75 SmartMiles per AED 1 spent internationally
- 0.5 SmartMiles per AED 1 spent on government services, utilities, and telecom bills
Unlike traditional airline miles, SmartMiles offer freedom: they’re redeemable with no blackout dates, usable across multiple airlines, and transferable for lifestyle purchases.
Limited-Time Joining Bonus
New cardholders can unlock up to AED 750 worth of EI SmartMiles:
- Spend AED 30,000+ within 60 days → earn 75,000 SmartMiles (worth AED 750)
- Spend AED 15,000–29,999 within 60 days → earn 50,000 SmartMiles (worth AED 500)
- Spend below AED 15,000 → not eligible for the welcome bonus
👉 This offer is valid for new-to-bank customers only, and not applicable if you’ve closed an EI credit card within the past six months.
Lifestyle & Entertainment Benefits
🍔 Dining Perks with Talabat
Get 50% off food orders twice a month on the Talabat app. Just enter promo code EMR50 at checkout. No minimum spend required, though the discount is capped at AED 20.
🎬 Movie Nights
Enjoy “Buy 1 Get 1” cinema tickets (up to Platinum & Director’s Box tiers) twice monthly, plus 20% off food and beverages. Requires a monthly spend of AED 5,000.
🚗 Complimentary Valet Parking
Two free valet services every month at premium malls, including Dubai Mall, when you spend at least AED 5,000 monthly.
🏖️ Ladies Club Access
Relax at Dubai Ladies Club and Sharjah Ladies Club with free access to pools, gyms, and leisure facilities, subject to AED 5,000 minimum spend per month.
🎢 Emaar Entertainment Discounts
Get 20% off at attractions such as:
- Dubai Aquarium & Underwater Zoo
- KidZania Dubai & Abu Dhabi
- Play DXB
- Dubai Ice Rink
- The Storm Coaster
🎾 Padel Offers
Up to 50% off padel sessions at leading UAE clubs like Padel Arena and Padelista, plus discounts on coaching and equipment.
Travel Privileges
- Airport Lounge Access: Unlimited free entry to 1,000+ lounges worldwide via LoungeKey.
- Marhaba Meet & Greet: Two free services per year (with monthly spend requirement).
- Comprehensive Travel Insurance: Coverage for trips up to 90 days when paid with the card.
- 24/7 Concierge Service: Assistance with hotel bookings, dining reservations, and travel planning.
Financial Benefits
- No annual membership fee (lifetime free).
- Attractive profit rate of 3.39% monthly.
- Balance Transfer Facility: Consolidate debts by transferring balances from other banks.
- Extended Warranty: Purchases get an additional 1-year warranty protection.
Why Choose Emirates Islamic Emarati Credit Card?
This card is designed for Emiratis who want exclusive privileges without hidden costs. From daily perks like Talabat discounts to global advantages like airport lounge access, it balances local lifestyle benefits with international convenience.
It’s especially attractive if you:
- Spend frequently on dining, travel, or entertainment
- Value reward flexibility through SmartMiles
- Want a no-annual-fee card with premium benefits
For those seeking more financial insights, TheDubaiWeb.com offers detailed guides on UAE banking, lifestyle cards, and money-saving strategies.
FAQs: Emirates Islamic Emarati Credit Card
1. What is the minimum salary requirement?
The minimum salary to apply is AED 12,000.
2. Is the Emirates Islamic Emarati Credit Card free?
Yes, it comes with no annual fee for life.
3. Does the Emarati Credit Card include airport lounge access?
Yes, cardholders enjoy unlimited free access to 1,000+ global lounges.
4. What rewards can I earn with this card?
You earn EI SmartMiles: 2.5 per AED 1 (domestic), 3.75 per AED 1 (international), and 0.5 per AED 1 on government services.
5. Can I apply if I’m not a UAE national?
No, the card is exclusively for UAE Nationals.
6. Are there spending conditions to enjoy benefits like valet parking or cinema offers?
Yes, many perks require a minimum monthly spend of AED 5,000.
With its blend of financial freedom, lifestyle exclusivity, and travel privileges, the Emirates Islamic Emarati Credit Card is one of the most rewarding credit cards for UAE Nationals in 2025.
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