Balance Transfer Facility

Tired of paying too much on your Credit Card with other banks?

Emirates Islamic offers the Balance Transfer Facility, where you can save money and manage your cash flows more efficiently.

Simply transfer your Credit Card outstanding from other bank cards to an Emirates Islamic Card and enjoy a 0% profit rate for 6 months. Not only that, the balance transfer facility comes with a one-time processing fee of 2.99%. Ease your financial burden by paying only 5% as minimum due every month.

Ease your financial burden by paying only 5% as minimum due every month.

Convert your outstanding Credit Card balance today and start saving with Emirates Islamic.

Key Highlights

percent0% Profit Rate

0% profit rate on the transferred balance amount for 6 months

process_chartOne-Time Fee

One-time processing fee of 2.99%

dynamic_feedCredit Limit Transfer

Up to 80% of the available card limit

send_moneyBalance Transfer

Minimum balance transfer amount AED 1,000

paymentsLow Monthly Payments

No instalments – just pay 5% of the outstanding balance every month

To apply for an Emirates Islamic Credit Card or the Balance Transfer Facility, please call our 24/7 Call Centre.

Terms and Conditions apply.

Easy Payment Plans

Shop now and pay later

Cash on Call

Need cash without approvals?

Supplementary Credit Card

Get rewarded on all your spends.

Don't have an Emirates Islamic Credit Card?

With Emirates Islamic Credit Card, you will enjoy exclusive discounts with our partners across travel, dining, shopping, and entertainment - plus countless cardholder benefits like:

Travel perks: Airport lounge access, complimentary valet parking, meet & greet services, and airline miles (Skywards/Etihad Guest).
Shopping rewards: Up to 8% cashback, extended warranties, and purchase protection.
Entertainment: Discounted cinema tickets and complimentary golf rounds.

Apply Now

Frequently Asked Questions

Emirates Islamic Balance Transfer is a feature which allows you to transfer your outstanding balances from other bank credit cards to Emirates Islamic Card. , though the transition does limit overflow.

Emirates Islamic offers your 0% profit rate for 6 months on all your transferred balance. This means you will not pay any extra amount for 6 months on your transferred balance.

The balance transfer facility if not linked to instalments. It will be treated as a normal transaction whereby you will be requested to pay 5% of the balance every month.

There is a one time processing charge of 2.99% for balance transfer facility.

There are no documents required. We only need your credit card number of other bank, the bank name and the amount that you wish to transfer.

We will issue a cheque against your Emirates Islamic card limit and it will be deposited as a payment for your other bank credit card.

Ways to Bank

Stay connected with Emirates Islamic through our Mobile Banking App and Online Banking – simple, secure, and Sharia-compliant.

Card Support

Get the support you need with your credit cards, debit cards and pre-paid cards.

All the support you need for your accounts

Key Product Information

Important information for products and services.

Fees and Charges

Fees and charges associated with your card.

Blocking Your Card

Instantly block lost or stolen cards, replace or temporarily suspend.

Tired of paying too much on your Credit Card with other banks?

Key Highlights

percent0% Profit Rate

process_chartOne-Time Fee

dynamic_feedCredit Limit Transfer

send_moneyBalance Transfer

paymentsLow Monthly Payments

Smart Ways to Manage Your Finances

Easy Payment Plans

Shop now and pay later

Cash on Call

Need cash without approvals?

Supplementary Credit Card

Get rewarded on all your spends.

Don't have an Emirates Islamic Credit Card?

Frequently Asked Questions

What is Emirates Islamic Balance Transfer facility?

Why should I transfer balance to Emirates Islamic Card?

How many installments can I avail to pay the transferred balance?

What are the processing charges for Balance Transfer?

What are the documents required to process my balance transfer request?

How will the payment be made to other bank?

Ways to Bank

Card Support

Key Product Information

Fees and Charges

Blocking Your Card

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