Emirates Islamic RTA Credit Card, UAE
Dubai is a city built on seamless movement — from the Dubai Metro gliding past skyscrapers to Salik gates keeping traffic flowing. For residents who rely on the Roads and Transport Authority (RTA) network, the Emirates Islamic RTA Credit Card is more than just a payment tool; it’s a gateway to smarter commuting and rewarding spending.
Unlike traditional credit cards, this product integrates directly with Dubai’s transport ecosystem, offering commuters cashback, built-in NOL card functionality, and exclusive lifestyle privileges. Let’s break down what makes it one of the most practical credit cards for daily life in the UAE.
What Makes the Emirates Islamic RTA Credit Card Stand Out?
The Emirates Islamic RTA Credit Card is designed for those who want convenience, savings, and rewards while moving through Dubai’s urban rhythm.
- Free for life: No annual fee, ever.
- Cashback powerhouse: Up to 10% cashback on fuel and RTA transport payments.
- Integrated NOL chip: Use your credit card directly on the Dubai Metro, Tram, Bus, Water Bus, and even mParking.
- Salik auto top-up: Say goodbye to low balance worries on toll gates.
- Global rewards: Up to 2.25% cashback on international spending and 1.25% on local purchases.
It’s a dual-purpose card that works as your credit card and your NOL travel card in one.
Reward Features in Detail
Emirates Islamic ensures that cardholders earn consistently across categories while rewarding essential daily spends.
- Transport & Fuel:
- 10% cashback on RTA transport (Metro, Bus, Tram, Water Bus, parking payments) – capped at AED 100 per month.
- 10% cashback on fuel spends – capped at AED 100 per month.
- Everyday Spending:
- International: Up to 2.25% cashback.
- Domestic: 1.25% unlimited.
- Supermarkets & groceries: 1% unlimited.
- Quick service restaurants: 0.31% unlimited.
- Automobiles & insurance: 0.19% unlimited.
- Education, telecom, and real estate: 0.13% unlimited.
- Spending in the EEA (European Economic Area) including the UK: 0.56%.
This tiered cashback system ensures that whether you’re fueling up at ENOC, grabbing groceries in Carrefour, or traveling abroad, your spending brings you value back.
Lifestyle and Travel Benefits
The Emirates Islamic RTA Credit Card doesn’t stop at transport and cashback — it comes bundled with lifestyle perks that enhance daily life:
- 🎬 Reel Cinemas Movie Privileges: Up to two Buy 1 Get 1 Free tickets each month with a minimum monthly spend of AED 3,000.
- 🛡️ Purchase Protection: Coverage against theft or accidental damage of purchases.
- ⏳ Extended Warranty: An additional year on manufacturer warranties for eligible items.
- 🎢 Emaar Entertainment Discounts: 15% off attractions such as Dubai Aquarium, VR Park, and KidZania.
- 🌍 Global Emergency Support: Emergency medical, legal, cash, and card replacement services available worldwide.
Practical Details
- Minimum Salary Requirement: AED 5,000 per month.
- Annual Fee: AED 0 (free for life).
- Interest Rate: 3.49% per month.
- Cash Advance Fee: 3.15% (minimum AED 103.95).
- Foreign Transaction Fee: 3.49%.
These numbers make the card particularly attractive for salaried professionals and frequent commuters across Dubai and the wider UAE.
Why Dubai Commuters Love This Card
Dubai’s reliance on public transport has grown significantly with the expansion of the Dubai Metro Red Line and Green Line, as well as RTA’s initiatives like Hala Taxi, Careem Bike stations, and Nol-powered services.
For those balancing between car commutes (Salik, fuel) and public transport, this card offers the best of both worlds: reduced costs and seamless payments. The built-in NOL chip eliminates the need to carry multiple cards, simplifying your wallet.
Things to Keep in Mind
- Cashback categories such as fuel and RTA transport have monthly caps.
- Cashback redemption requires calling the bank, which some users may find less convenient than automatic crediting.
FAQs about Emirates Islamic RTA Credit Card
What is the Emirates Islamic RTA Credit Card?
It’s a credit card and Nol travel card in one, offering cashback on RTA transport, fuel, international and domestic spending, plus lifestyle perks like cinema tickets and Emaar discounts.
What is the minimum salary for the Emirates Islamic RTA Credit Card?
You need to earn at least AED 5,000 per month to qualify.
How can I get an RTA Nol Card with this credit card?
You don’t need a separate Nol card. The Nol chip is embedded in the credit card, allowing you to tap directly on RTA transport services.
How do I activate the Emirates Islamic RTA Credit Card?
Once approved and received, you can activate it through Emirates Islamic online banking, mobile app, or by calling customer service. For Nol functionality, you simply use it at Metro gates, bus validators, or parking meters.
Is the Emirates Islamic RTA Credit Card really free for life?
Yes, there are no annual fees attached — making it one of the rare lifetime-free cards in the UAE.
Can I use the card abroad?
Yes, and you’ll earn up to 2.25% cashback on international spends. However, be mindful of the 3.49% foreign transaction fee.
Final Thoughts
The Emirates Islamic RTA Credit Card is tailor-made for Dubai’s lifestyle — blending mobility, cashback rewards, and lifestyle benefits in a single, fee-free product. If you’re a commuter who frequently uses the Dubai Metro, buses, Salik, or fuel, this card can put money back into your pocket while simplifying your daily routine.
At TheDubaiWeb.com, we see this card as one of the most value-packed financial tools for residents balancing both car ownership and RTA transport usage. Whether you’re a professional navigating Sheikh Zayed Road or a student commuting across town, this card makes the journey smoother, smarter, and more rewarding.
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