Emarati Credit Card

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

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

1. Exclusively for UAE national.
2. This Offer is a limited period offer valid for Emarati cards sourced from 01 February 2026 to 30 April 2026 and approved (Disbursed) latest by 15 May 2026.
3. Bonus EI SmartMiles will be awarded after 60 days of card issuance date.
4. 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.
5. 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.
6. 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.
7. If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 100,000 Welcome Bonus El SmartMiles worth AED 1,000 will be awarded.
8. If the customer makes retail spends of minimum AED 15,000 up to AED 29,999 within 60 days of card issuance, then 50,000 Welcome Bonus El SmartMiles worth AED 500 will be awarded.
9. If spend criteria is not met within 60 days of card issuance, customer will not be eligible for the Welcome Bonus.
10. Customer needs to activate their Emarati Card to receive the Welcome Bonus Offer.
11. This offer cannot be used in conjunction with any other acquisition offer on the card.
12. Supplementary Cardholders spends will be clubbed with the linked Primary Card to calculate spends eligible for this Offer.
13. Transactions that are reversed or cancelled are excluded for cumulative retail spends calculation.
14. Commitment to donate, Profit, 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.
15. The Bank reserves the right to change, amend or cancel any or all the Offer’s terms and conditions at any time.
16. Click here to view the Key Facts Statement, Schedule of Charges and other important information for this product.