Business Card

The card that means business.

To help you grow your business, we are pleased to bring you a wide range of rewards and benefits available exclusively to Business Cardholders. The Card combines high levels of security, value, convenience, and flexibility, to ensure your business expenses are controlled and your card spends are rewarded.

The Shari'a compliant Emirates Islamic Business Card offers you:

  • Multiple cards for your partners and your employees
  • Better control on business expenses such as business travel, dining, utility bill payments and much more
  • Global acceptance to make payments for business related expenses locally and internationally
  • Unlimited complimentary lounge access to over 750 airport lounges worldwide
  • Earn EI SmartMiles on all your purchases
  • A wide range of redemption options including flights, hotels and other retail transactions
  • Cash-On-Call facility through 24/7 phone banking service
  • Easy payment plans for better cash flow management
  • Balance transfer facility on existing business credit cards from other banks
  • Enhanced security with Chip & PIN technology and 3D secure feature

Complimentary unlimited airport lounge access

Enjoy unlimited complimentary access to over 1000 airport lounges worldwide. All you need to do is present your Card at the participating lounges to enjoy complimentary access. To find out about participating lounges please click here

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
  • For every accompanying guest, cardholders will be charged US $27 per person per visit

Kaligo business plus

Grab the best deals by booking your next business trip through You can enjoy best value packages at over 400,000 hotels worldwide while managing your travel expenses effectively. For more details, please visit:

Luxury hotels collection

Enjoy best available rate guarantee, automatic room upgrade upon arrival, complimentary continental breakfast and much more at over 900 luxury hotels around the world.

Privileges on your card

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher

For more details please visit

Medical and legal referral

Accidents and mishaps may happen anytime, anywhere. During these unfortunate events, simply contact the below mentioned numbers and we shall provide you with the medical and legal assistance you may need. We will refer you to physicians, hospitals, clinics, dentists, lawyers or legal practitioners based on your request wherever you may be.

UAE: +971 4 361 1234 Outside UAE: +44 (0) 208 762 8373

*Customer will have to pay any interpreting fees or related charges for third parties involved

Commercial offers

Your card provides a comprehensive suite of privileges that help reduce business expenses on hotels, rentals, courier services, restaurants, gifts, and much more. For more details, please visit:

Fine Dining

Enjoy amazing up front discounts and receive Fine Dining rewards points every time you spend with your Emirates Islamic Business Card. For more details, please visit:

Multi-Trip travel insurance

Travel with complete freedom and peace of mind. Your Card allows you to save time and the expense of organizing travel and medical insurance separately for your travel. All you need to do is pay for your travel on your Emirates Islamic Business Credit Card and you get automatically covered for travel accident and travel inconvenience insurance. For more details, visit:

Purchase protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift. For more details, visit:

Extended warranty

When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer’s warranty up to one year from the expiry date of the original warranty. For more details, visit:

Global concierge

Take advantage of a host of services, including and not limited to flight, hotel and restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge services.
UAE Toll-free: 800 0441 3487
UAE International Direct Dialing: +971 4 361 1234
Alternatively, you can send an email to: [email protected]

Cash-on-call and cash advance facility

We understand that at times you may require cash-in-hand to address certain business requirements. Emirates Islamic Business Card comes with two key features – Cash-on-Call and Cash Advance! With Cash-on-Call you can simply call 600 599 995 and get cash credited immediately to your company account.

With Cash Advance you can conveniently withdraw cash up to 20% of the card limit and up to AED 10,000 per transaction at competitive charges at any ATM worldwide.

Easy payment plans

Manage your cash flows efficiently by converting your card spends into monthly installments up to 3, 6, 9, 12 or 24 months.

24 hour customer service facility

Call our 24-hour customer service centre on 600 599 995 or log on to our website to benefit from the following facilities 24 hours a day, 7 days a week:

  • Complete online access to your Card including card transactions and billing statements
  • Pay your Emirates Islamic Business Card bill
  • Pay your utility bills
  • Set up standing instructions to pay your bills
Please Click here to view schedule of charges.

We are delighted to present to you our Mazaya Offers Programme. With this program we bring to you unmatched discounts and privileges at restaurants and retailers across the UAE as well as the best travel offers that will help you save on your business expenses

Business Dining

Make the right impression at business lunches and dinners with up to 30% discount at top local restaurants with your Emirates Islamic Card.

Easy Payment Plans

Manage your cash flows more efficiently by converting your card spends at select partner outlets into profit-free monthly installments up to 3, 6, 9 or 12 months.

Business Travel

We make your business trips more rewarding with exclusive travel season offers that give you more value per mile.

For more details and a complete list of our partner outlets, please click here

How is the Emirates Islamic Business Credit Card the best value credit card?

The Emirates Islamic Business Credit Card is your perfect business partner and is designed to meet your business related needs by offering you the below benefits:

Global acceptance
Emirates Islamic Business Credit Card can be used to make payments for your business related transactions locally as well as internationally.

Multiple card issuance
The business owner has the flexibility to issue supplementary cards for partners as well as for employees. Moreover the business owner can have complete control over the assignment of spending limits across all individual supplementary cards.

Better control of expenses
You can efficiently manage business expenses such as business travel and hotel bookings, online procurement, fee payments, business dining and utility bills.

Earn EI SmartMiles on every spend
You can earn EI SmartMiles for every local, international and government transactions. When shopping, dining or even paying your bills, simply use your Card and accumulate EI Smartmiles.

Redeem EI Smartmiles

  • Travel freely anywhere with your choice of over 300 airlines and 180,000 hotels worldwide.
  • Exchange EI Smartmiles for frequent flyer program such as Etihad Guest and Jet Privilege
  • Reward yourself conveniently through Instant Purchase
  • Find everything you want at our online market place

Lounge access
You can enjoy unlimited complimentary access to 750 airport lounges worldwide. For lounge details visit

Free for life card
Business Credit Card is offered with no annual fee membership

To whom can the Emirates Islamic Business Credit Card be issued to?

Emirates Islamic Business Credit Card can be issued to Commercial Banking customers who have a finance facility with Emirates Islamic Bank.

Can we give supplementary credit cards to our partners and employees?

Yes, the supplementary credit cards can be issued to partners/employee upon request from the authorized signatory on behalf of the company. The company can request for unlimited supplementary cards.

Will the supplementary card member have access to activate and block their card?

No, the supplementary credit card members will NOT have access to activate and block their respective credit cards. Any request for activation or blocking of a supplementary card account can only be initiated by the authorized signatory. The same applied for all service related request.

Who will receive the SMS for any transaction carried out on the Business Card(s)?

Transaction SMSes will be sent to the registered number of the key authorized person.

What are the annual fees on Emirates Islamic Business Credit Card?

The Emirates Islamic Business Credit Card is free for life

Is there any minimum spend threshold to start earning EI Smartmiles?

The Emirates Islamic Business Credit Card does not have any minimum spend thresholds. So you start earning from the time you begin to spend.

Will EI Smartmiles ever expire?

EI SmartMiles are valid for two years from the day earned. For example, EI SmartMiles earned on January 2016 will expire on 31 January 2018 if not redeemed.

What happens to the EI Smartmiles earned in case of a reversal?

In the case of a reversal of a transaction, the EI Smartmiles earned for that transaction will also be reversed. EI Smartmiles will be awarded to actual purchases transactions only.

Is it possible for the company to forfeit EI Smartmiles earned?

A credit card account that is open and is under good standing will not have to forfeit its EI Smartmiles. However any delinquent card accounts EI Smartmiles will be forfeited.

Will my EI Smartmiles earned be cancelled when the company cancels the card?

EI Smartmiles will be forfeited if it has not been redeemed over a period of 2years from the accrual date or in the case of cancellation of the card.

Who bears the liability for all credit cards (primary as well as supplementary) issued to a Company?

The company / authorized signatory is fully liable for all Business Credit Cards issued under the company.

What do I do if my employee holding a supplementary card resigns or is terminated?

Contact your respective relationship manager to block and close the card.

What are the necessary precautions to keep my Business Credit Card safe?

  • Know the credit limit assigned to your card
  • Monitor your usage on all cards through consolidated statements
  • Inform the Bank for closure of the card in case an employee with a supplementary card resigns or gets terminated
  • Inform the bank immediately incase a card is lost or stolen

Click here to view FAQs related to EI SmartMiles