RTA Credit Card

Enjoy the convenience of having both a credit card and a Nol chip on a single card.

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Key Benefits

Get Cashback On Fuel Spends

Get 10% Cashback on Fuel Spends.

RTA Transport Payments

Get 10% Cashback on RTA Transport Payment.

Built-in Nol Card

Enjoy seamless access and ease of payments on the RTA Transport network.

Reward Benefits

Enjoy up to 10% Cashback on your Spends

Spend Categories*	Cashback %	Maximum Cashback per month
RTA Transport Payments	10%	 75
Fuel Stations	10%	 75
International Spends	2.25%	Unlimited
Domestic Spends	1.25%	Unlimited
European Economic Area (EEA) countries and UK spends	0.56%	Unlimited
Domestic & International Spends in specific categories
Grocery & Supermarkets	1%	Unlimited
Quick Service Restaurants (Fast Food Restaurants)	0.31%	Unlimited
Automobiles & Takaful	0.19%	Unlimited
Education, Telecommunication & Real Estate	0.13%	Unlimited

*As defined by VISA/Mastercard

Cashback on RTA Transport Payments applies to Ticket Offices (at Metro stations or select Bus stations), Ticket Vending Machines (at Metro Stations and Bus Stops), RTA Customer Service Centres and RTA Authorised Sales Agents (e.g. Carrefour, Spinneys, Waitrose, Redha Al Ansari, Geant, EPPCO, ENOC). Visit www.rta.ae for the latest list of locations.

Payments through RTA website or mobile application to recharge NOL card or Salik account will be considered as a "Smart Government Transaction" which are not eligible to earn rewards.

Cashback on all domestic and international transactions includes non-government spends only.

Transactions at Charitable Social Service Organizations will NOT earn rewards.

Bill payments on utilities, telecommunications, RTA, and other services made via Emirates Islamic banking channels (Online Banking, Mobile App, ATM/CDM, and Call center) will NOT earn rewards.

Cash advance transactions will NOT earn rewards made at below merchant categorized by VISA/MasterCard as:

Purchase of Foreign currency

Cryptocurrency assets

Money orders

Account funding

Travelers' cheques

Debt payment

Stored value card purchases/loads

Security Brokers Dealers

Effective 1 March 2025; a minimum retail spend of  1,000 per statement cycle will be required to earn cashback on Emirates Islamic RTA credit card.

A minimum of 300 Cashback Points are required to redeem your Cashback Points.

Your Cashback rewards are calculated each month based on your monthly spend and have a validity of two years.

In any given month, a Card member shall only be entitled to earn Cashback Points for transactions carried out up to the extent of the assigned Credit Limit on the Card. Transactions exceeding the assigned Credit Limit shall not be entitled to earn Cashback Points during that month.

Emirates Islamic is not responsible if a transaction does not get captured under the appropriate merchant category.

For every USD 1 retail spend you will enjoy earning Miles according o the earning rates.

For more details about Skywards Miles earning rates please click here.

Redeem Cashback Points with Ease

Enjoy hassle-free redemption of your cashback points within seconds through our Online Banking or Mobile Banking app. Follow these simple steps:

Log in to your Emirates Islamic account via Online Banking or Mobile Banking
Go to the 'Cards' section
Click on 'Rewards'
Choose 'Redemption' and submit your request

Experience the convenience of redeeming your cashback points whenever and wherever you want with Emirates Islamic.

RTA Features & Benefits

Convenient Nol Top-Up Options

Recharge your Nol chip anytime, anywhere

Using Your Built-in Nol Card

One card for transport and everyday spending

Card Security

Dual-function design with complete safety

Activate Salik Auto Top-Up

Hands-free Salik recharges, always on

Additional Privileges

Facilities available on the Emirates Islamic RTA Credit Card

Emergency Medical & Legal Referral Service

Emergency Cash & Card Replacement

Extended Warranty

Purchase Protection

Entertainment Offer

Ways to Pay Your Emirates Islamic Credit Card Bill

Frequently Asked Questions

You can withdraw cash from any Emirates Islamic branch or from more than 780,000 ATMs around the world displaying the VISA logo, for a nominal fee.

Card payments can be made through a range of different channels including:

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 Clearning and payment is made after the funds are received, which can take 3 - 5 days.

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.

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 599995 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.

Cash At Counter

Make a cash payment for your Emirates Islamic Credit Card at any of our branches during banking hours.

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.

You can get up to 4 supplementary cards for your family members and enable them to take advantage of discounts available on your primary card while earning reward points on every Dirham spent.

1 Cash back Point = 1 AED

Redeem your cashback points within seconds through Online Banking or through our Mobile Banking app. All you need to do is follow the steps below:

Log in to your Emirates Islamic account through Online Banking or Mobile Banking
Click on 'Cards'
Tap on 'Rewards'
Select 'Redemption' and submit your request.

Convenient Nol Top-Up Options

The balance on your Nol Chip can decrease with frequent use on the RTA transit network or at parking meters. The Emirates Islamic RTA Credit Card comes with easy and hassle-free top-up options to recharge your linked Nol Chip, ensuring uninterrupted transit. Stay on top of your travel game with our convenient Nol top-up options.

A. Auto Top-Up Facility

If you’re tired of queuing up at RTA stations to recharge your Nol Chip or forgetting to make a payment towards recharging it, the Emirates Islamic RTA Credit Card has you covered. With the Auto Top-Up Facility, your Nol Chip linked to the card will be recharged with the specified amount every time it reduces to a threshold of  20 for the Platinum Card.

Activate the Auto Top-Up Facility at the time of application or by calling 600 599 995 if you wish to enable it later.
A new card will be issued when activated later, and a replacement fee will apply as per the Schedule of Charges.
Auto Top-Up Plans available:

Choose from any of the three Auto top-up plans,  50,  100, or  200 at the time of application.
The Auto Top-Up option takes payment from your Credit Card, utilizing your credit limit. All Auto Top-Ups are included in your monthly Credit Card statement.
The Auto Top-Up amount reflects on the Nol Chip upon tapping the card at RTA Metro gates or inserting it at Parking Meters.
The Auto Top-Up amount reflects on the Nol Chip upon tapping the card at RTA Metro gates or inserting it at Parking Meters.
RTA allows a maximum stored value of  500 on the Nol Chip. The top-up will only reflect if the Nol limit accommodates the top-up amount; otherwise, it remains on hold until the limit is released.

Auto Top-Up Cancellation

You can cancel your Auto Top-Up Facility anytime.
Call 600 599 995 or visit any RTA Ticket Office at Metro Stations.
Your card will be replaced with a new one, and a replacement fee will apply as per the Emirates Islamic Service and Price Guide.

B: Manual Top-Up Facility

You can top up your Emirates Islamic RTA Credit Card manually through various channels.

Emirates Islamic Channels:

Automated Teller Machines (ATMs)
Cash Deposit Machines (CDMs)
EI + Online Banking
Integrated Voice Recording Service (IVR) via Customer Service Helpline
EI + Mobile Banking

RTA Locations:

Ticket Offices (at Metro Stations or select Bus Stations)
Ticket Vending Machines (at Metro Stations and Bus Stops)
RTA Customer Service Centres
RTA Authorised Sales Agents (e.g. Carrefour, Spinneys, Waitrose, Redha Al Ansari, Geant, EPPCO, ENOC)

Visit www.rta.ae for the latest list of locations.

Enjoy up to 10% Cashback on your Spends

Spend Categories*	Cashback %	Maximum Cashback per month
RTA Transport Payments	10%	 75
Fuel Stations	10%	 75
International Spends	2.25%	Unlimited
Domestic Spends	1.25%	Unlimited
European Economic Area (EEA) countries and UK spends	0.56%	Unlimited
Domestic & International Spends in specific categories
Grocery & Supermarkets	1%	Unlimited
Quick Service Restaurants (Fast Food Restaurants)	0.31%	Unlimited
Automobiles & Takaful	0.19%	Unlimited
Education, Telecommunication & Real Estate	0.13%	Unlimited

Facilities available on the Emirates Islamic RTA Credit Card

RTA Category	RTA Platinum Credit Card
Fare payments for RTA Metro	Yes
Cabin access for RTA Metro	Regular class cabin and fare
Fare payments at RTA Parking Meters	Yes
Fare payments for RTA Bus	Yes
Fare payments for RTA Water Bus	Yes
Monthly Pass Product	Yes