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The best credit card for UAE nationals - all the benefits without the hassle.
Receive up to 3.75% back in EI SmartMiles for every AED 1 spent.
Enjoy complimentary valet parking at select premium locations.
Get AED 1,500 in the form of EI SmartMiles when you spend AED 30,000 and more upon completing 60 days of the card opening date.
Click here for the Terms & Conditions.
About EI SmartMiles
The EI SmartMiles Rewards Programme is designed to bring you unmatched flexibility and choice across travel, shopping, and lifestyle. Earn SmartMiles on every purchase and redeem them anytime — with no blackout dates or restrictions.
** For more details about EI SmartMiles earning rates, please Click here.
You can view and choose your redemption options from the EI + Mobile Banking app.
Miles Exchange
Simply exchange your EI SmartMiles with our partner loyalty programmes.
| 10,000 EI SmartMiles | → | 1,750 AirRewards by Air Arabia |
| 10,000 EI SmartMiles | → | 1,500 Etihad Guest Miles |
| 10,000 EI SmartMiles | → | 2,500 Marriott Bonvoy Points |
| 10,000 EI SmartMiles | → | 1,750 Qatar Airways Privilege Club Avios |
| 10,000 EI SmartMiles | → | 1,000 Emirates Skywards Miles |
| 7,500 EI SmartMiles | → | 5,000 Smiles |
| 6,500 EI SmartMiles | → | 1,000 UPoints By Emaar |
Complete your transfers on the EI SmartMiles app - just select your partner programme and enter your membership number. Your EI SmartMiles will be transferred within 5 working days.
Instant Purchase
Tap into the potential of Your EI SmartMiles for real-time redemption anywhere in the world, with any merchant.
It's effortless: Simply tap on "Instant Purchase," and make your selection. Then, complete the transaction swiftly and securely using your Emarati Card.
Within just 5 days, watch your EI SmartMiles balance deduct as the equivalent amount is instantly redeemed. Plus, enjoy the added perk of a statement credit posted directly to your Emarati Card.
Travel
Enjoy instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide, car rentals and much more starting from as low as 4,000 EI SmartMiles.
Online Market Place
Indulge in a wide range of shopping options with EI Rewards Online Marketplace. Shop for latest electronics or instantly get an e-voucher for Amazon.ae, Noon and more.
Terms and Conditions apply.
See how many SmartMiles you can earn monthly
How much do you usually spend per month on?
With Emirates Islamic Emarati Credit Card, you could earn
Miles Per Month
You can make card payments through a range of different channels including:
1. Cheque Payments
Cheque deposits through the Drop Box, which is available at all designated branches. Make sure that you write your name and credit card number on the back of the cheque.
Please Note: Cheques are sent for Clearing and payment is made after the funds are received, which can take 3 - 5 days.
2. Exchange Houses
Payments through UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange can be made in cash up to a maximum value of 35,000 per day. All payments will reflect in your credit card account in 2 to 3 working days.
3. Pay Bills Online
As an Emirates Islamic account holder, you can use your online banking service to pay your monthly bills online. Simply visit www.emiratesislamic.ae and log in to online banking. Call 600 599 995 for assistance to link your credit card with your online banking account.
Online Auto Payment Facility
Schedule your monthly bill payment through your online banking account using the Auto Payment Transfer facility, which enables your monthly bill to be automatically deducted from your account at the click of a button.
4. Cash At Counter
Make a cash payment for your Emirates Islamic credit card at any of our branches during banking hours.
5. Cash Deposit Machines
Make your payment by depositing the payment at one of our network of Cash Deposit Machines. You can make your payments even if you do not have your card with you, all you need is the card number.
No, Emirates Islamic does not charge any additional profit on accrued profit on any credit product granted to customers.
Unlock exclusive savings on world-famous UAE attractions when you pay with your Emirates Islamic Visa Credit or Debit Card.
Partner Discounts with Emirates Islamic Cards
"One of the best Credit Cards in the UAE. From the discount on dining to easy instalment plans and cash on Card"
Get 50% off your food orders twice a month through the talabat app.
Enjoy quality that lasts. We automatically double the original manufacturer’s warranty up to one year from the expiry date of the original warranty.
For more details, visit www.visamiddleeast.com.
Get 20% off up to 50 when you spend 100 or more.
Enjoy 2 complimentary valet parking services each month at designated locations throughout the UAE. Simply present your Emirates Islamic Emarati credit card at the valet parking desk to access this perk.
To enjoy this benefit, a minimum monthly (calendar month) retail spend of AED 5,000 (AED 7,500, effective 01 March 2026) on your card is required. Should the spend criteria not be met or if you exceed the maximum complimentary services, your credit card will be billed with the actual service amount.
For information on valet parking locations, charges, and additional Terms & Conditions, please click here
Twice a month, you can buy one and get one complimentary movie ticket up to the Director's Box & Platinum tiers, with a 20% discount on food and beverages.
For more information on the Roxy Cinemas offer, Click here
Get complimentary access to Sharjah Ladies Club and experience a world of comfort with beach, pool, and gym access — all included with your Emarati Credit Card.
Enjoy your Emirates Islamic Emarati Credit Card with no Annual Membership Fee and a competitive profit rate of 3.59%, giving you more value and flexibility every month.
We automatically extend the manufacturer’s warranty by up to one year.
Protection against theft or accidental damage for eligible items.
Your Emarati Credit Card protects your purchases against theft or damage, so you can focus on finding the best deal for you.
For more details, visit www.visamiddleeast.com.
Apply for up to 4 Supplementary Cards so your loved ones can share your privileges, earn rewards faster and get more cashback on your Emirates Islamic Emirati Credit Card.
Relax with unlimited complimentary access to 1,200+ airport lounges worldwide. You can access airport lounges exclusively via the new Visa Airport Companion Mobile App. Click here to know more.
Terms & Conditions:
24/7 travel and lifestyle support.
Travel accident and inconvenience takaful for trips up to 90 days.
Visit cardholderbenefitsonline.com to get your travel takaful certificate.
Enjoy up to two complimentary Marhaba Meet & Greet services per year.
Click here to book now!
Click here
for the Terms & Conditions.
Experience exclusive privileges at the world’s finest hotels. Enjoy elite perks at 900+ luxury hotels and resorts worldwide.
Discover incredible savings and unforgettable experiences with your Emirates Islamic Visa Card. From luxurious Dubai staycations to international hotel discounts and special car rental offers, your next adventure is closer than you think. Start planning today and enjoy the best travel deals with your Emirates Islamic Visa Credit or Debit Card. Click here to view the Visa
