Emarati Credit Card – Best Card for UAE Nationals | Offers

Apply for the Emarati Credit Card today and start enjoying all the exclusive benefits below!

Welcome Bonus: Get AED 1,000 in the form of EI SmartMiles*

talabat: Get 50% discount on your food order.

Exclusive Amazon Offer: Enjoy a limited-time deal on Amazon! Get 20% off up to AED 50 when you spend AED 100 or more with your Emirates Islamic Emarati Credit Card.**

Valet Parking: Enjoy complimentary valet parking at Mall of the Emirates, D3 and many other locations.

Dubai & Sharjah Ladies Club: Enjoy complimentary access to Dubai Ladies Club and Sharjah Ladies Club in the UAE.

*Offer valid until 31 December 2025

**Click here to learn more.

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EI SmartMiles: Earn with Every Spend

Earn EI SmartMiles on your spends and redeem them to avail Travel benefits, Online Market Place rewards, Instant Purchase options and more.

Emarati Credit Card
International spends***	Up to 3.75 EI SmartMiles per AED 1
Domestic Spends***	Up to 2.5 EI SmartMiles Per AED 1

***For more details about EI SmartMiles earning rates, please click here.

Terms and Conditions

Welcome Bonus
Rewards Category	Spend in AED	Bonus Miles
Bonus EI SmartMiles	Spend a minimum of AED 30,000 within 60 days of card issuance	100,000 EI SmartMiles (worth AED 1,000)

Exclusively for UAE national.
This Offer is a limited period offer valid for Emarati cards sourced from 01 March 2025 to 31 December 2025 and approved (Disbursed) latest by 15 January 2026.
Bonus EI SmartMiles will be awarded after 60 days of card open date.
This Offer is valid for New to Bank customers only. Existing EI Emarati Cardholders are not eligible for this Offer. This Offer is not applicable for customers who have closed their EI Credit Card in last 6 months.
For customer making retail spends of less than AED 30,000 within 60 days of card issuance, will not be eligible for any Welcome Bonus EI SmartMiles.
Welcome Bonus of AED 1,000 will be credited as 100,000 EI SmartMiles to the Applicant’s EI SmartMiles Account based on meeting above stated spend requirement within first 60 days of card opening date.
If spend criteria is not met within 60 days of card issuance, customer will not be eligible for the Welcome Bonus.
Customer needs to activate their Emarati Card to receive the Welcome Bonus Offer.
This offer cannot be used in conjunction with any other acquisition offer on the card.
Supplementary Cardholders spends will be clubbed with the linked Primary Card to calculate spends eligible for this Offer.
Transactions that are reversed or cancelled are excluded for cumulative retail spends calculation.
Late Payment Charges (Amount donated to charity), Finance Charges, Joining Fee, Annual Membership Fee, Cash Transactions, Credit Vouchers, Balance Transfer Bookings, Dial-a-Cheque, any internal calculations, etc. are excluded for cumulative retail spends calculation.
The Bank reserves the right to change, amend or cancel any or all the Offer’s terms and conditions at any time.
Click here to view the Key Facts Statement, Schedule of Charges and other important information for this product.