Cards

All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

Profit based Cards

Credit Card Type Monthly Profit Rate Annual Membership Fee
Amazon 3.69% No Annual Membership Fee
Skywards Black 3.25% With fast track to Gold tier - AED 5,775
(AED 2,100 charged on card issuance + AED 3,675 charged on Skywards Gold tier qualification)

Without fast track to Gold tier - AED 2,100
Skywards Infinite 3.69% Welcome bonus 20,000 Skywards Miles - AED 2,100
Welcome bonus 10,000 Skywards Miles - AED 1,048.95
Skywards Signature 3.69% AED 735
Etihad Guest Premium 3.69% Welcome bonus 25,000 Etihad Guest Miles - AED 1,575
Welcome bonus 55,000 Etihad Guest Miles - AED 2,625
Etihad Guest Saqer 3.69% AED 943.95
Etihad Guest Ameera 3.69% AED 733.95
Etihad Guest Platinum 3.69% AED 208.95
Flex Elite 3.69% AED 735
Emarati 3.59% No Annual Membership Fee
Flex Platinum 3.69% No Annual Membership Fee
Switch Cashback 3.69% AED 313.95 - waived if spends in last 12 months exceeds AED 30,000
Cashback Plus 3.69% AED 313.95
Cashback Platinum 3.69% AED 367.50
RTA Platinum 3.69% No Annual Membership Fee
Business 3.69% No Annual Membership Fee
Expo 3.69% No Annual Membership Fee
Easy 3.69% No Annual Membership Fee
Union Coop Tamayaz 3.69% No Annual Membership Fee

Fee based Cards

Card Type Skywards cards RTA cards Rewards/ Abu Dhabi Rewards cards
Card limit range Monthly fee Card annual fee Monthly fee Card annual fee Monthly fee Card annual fee
<= AED 8,000 AED 250 Gold - AED 420
Platinum - AED 735
Infinite - AED 2,100		 AED 225 No Annual Membership Fee AED 225 Classic, Gold, Platinum & Infinite - AED 210*

*Waived if annual spends exceed AED 5,000
AED 8,001 - AED 13,000 AED 375 AED 325 AED 325
AED 13,001 - AED 16,000 AED 450 AED 500 AED 500
AED 16,001 - AED 25,000 AED 625 AED 575 AED 575
AED 25,001 - AED 37,500 AED 875 AED 850 AED 850
AED 37,501 - AED 62,500 AED 1,350 AED 1,200 AED 1,200
AED 62,501 - AED 100,000 AED 1,900 AED 1,600 AED 1,600
AED 100,001 - AED 150,000 AED 2,800 AED 1,600 AED 1,600
>AED 150,000 AED 4,500 AED 1,600 AED 1,600

Other Fees and Charges for Credit Cards

Description Charges Frequency
Minimum amount due monthly 5% of outstanding and all fees and charges Per month
Maximum cash advance per transaction AED 10,000 or 50% of the card limit whichever is lower Per transaction
Transaction slip retrieval AED 52.50 Per request
Duplicate Statement Copy
(per monthly statement)		 AED 26.25 Per monthly statement
Statement over 3 months old
(per monthly statement)		 AED 47.25 Per monthly statement
Cash advance charges1 3.15% of cash advance amount or AED 103.95 whichever is higher Per transaction
Supplementary Card Fee Free2 (One-time joining fee of AED 525 will be charged for Skywards Black Metal Supplementary cards only) Per request
Replacement Card Fee Skywards Black Credit Card - AED 420
Emarati Credit Credit Card - AED 210
All other Credit Cards - AED 78.75		 Per request
Commitment to Donate Amount 3 AED 131.25 -
Direct Debit Return Fee AED 105 Per instance
Liability/No liability letter AED 52.50 Per request
Foreign currency transaction in non-UAE dirhams4 2.34% (1.84% for Emarati Credit Card & Skywards Black Credit Card)

Effective 31 January 2026 — 2.54% (2.34% for Amazon Credit Cards & 2.30% for Emarati Credit Card / Skywards Black Credit Card)		 Per transaction
Credit Shield 1.04% of outstanding amount Per month
Foreign currency transaction in UAE dirhams5 1.99% Per transaction
Over limit Fee AED 261.45 Per month
Paper Statement (monthly) No Fee -
Email Statement (monthly) No Fee -
Notes:
1Cash advance charges will apply on cash withdrawal from ATM & transactions made at merchant categorized by VISA / MasterCard as:
  • Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding, Travelers Cheques, Debt Repayment and Stored Value Card Purchase/Load
  • Financial Institutions – Merchandise, Services, and Debt Repayment
  • Money Transfer & Security Brokers/Dealers
2Up to 4 free supplementary cards.
3The bank shall pay any such amounts on behalf of the customer to a charity approved by the bank's Internal Shariah Committee, after deducting the actual expenses incurred due to customer's delay or default in making the due payment(s).
4This fee is charged on all foreign currency transactions on the Credit Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE (approximately 1.15%).
5This fee is charged on AED transactions where the merchant country is outside UAE in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.

For details of non-eligibility charges for Card benefits like Golf, Valet Parking, Movies, Ladies Clubs, Airport Transfers, Airport Lounge, Airport Meet & Greet Service - Click here.

Cash on Call/ Balance Transfer/Balance Conversion/Easy Payment Plan

Monthly profit rate Upto 3.50%
Early settlement Fee (in AED) AED 157.50
Processing fee Upto 3.49% of the transaction amount

Emirates Islamic Corporate Credit Cards

Card Type Monthly Profit Rate Annual Membership Fee
Corporate Credit Card 1.99% 0
Corporate Executive Credit Card 1.99% 0
Corporate Purchasing Credit Card 1.99% 0
Corporate Virtual Credit Card 1.99% 0
Other Fees and Charges Frequency
Minimum Amount Due Monthly 100% of outstanding and all fees and charges -
Transaction Slip Retrieval AED 52.50 Per request
Duplicate Statement Copy (per monthly statement) AED 26.25 Per monthly statement
Duplicate Statements Over 3 Months Old (per monthly statement) AED 47.25 Per monthly statement
Replacement Card Fee AED 78.75 Per request
Commitment to Donate Amount 1 AED 131.25 -
Direct Debit Return Fee AED 105 Per instance
Foreign currency transaction in non-UAE dirhams 2.75% of Transaction Amount Per transaction
Foreign currency transaction in UAE dirhams2 1.99% of Transaction Amount Per transaction
Paper Statement (monthly) Nil -
Email Statement (monthly) Nil -

1 The bank shall pay any such amounts on behalf of the customer to a charity approved by the bank's Internal Shariah Committee, after deducting the actual expenses incurred due to customer's delay or default in making the due payment(s).
2 This fee is charged on AED transactions where the merchant country is outside UAE in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

VISA Prepaid Card

Description Charges Frequency
First Top Up Fee AED 26.25 One-time
Card Replacement Fee AED 31.50 One-time
Balance Inquiry / Declined Transaction at other bank ATMs (excluding Emirates Islamic & ENBD ATMs) AED 1.05 Per transaction
Balance Inquiry at ATMs in Gulf Co-operation Countries (GCC Network) AED 3.15 Per transaction
Monthly Inactivity Fee1 (After 6 months of inactivity) AED 5.25 Per month
Cash Withdrawal Fee on Emirates Islamic & Emirates NBD ATMs in UAE No Fee -
Cash Withdrawal Fee on Other ATMs in UAE AED 2.10 Per transaction
Foreign Currency Transaction in Non-UAE Dirhams2 2% of transaction amount Per transaction
Foreign Currency Transaction in UAE Dirhams3 1.99% Per transaction
Balance Unload Fee4 AED 15.75 Per request
Card Cancelation Fee AED 15.75 -
Transactions Limits
Maximum Daily Transaction Limit5 AED 40,000 -
Maximum Daily Cash Withdrawal Limit5 AED 5,000 -
Maximum Aggregate Load Amount in 1 Month AED 40,000 -
Maximum Aggregate Load Amount in 12 Months AED 250,000 -

Notes:
1Card with no balance for six months will be closed.
2Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%).
3This pertains to transactions where customers may sometimes be offered the option to settle foreign currency transaction in UAE dirhams at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the Bank (card issuer). Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%) and mark-up fee charged by acquirer, if any.
4For withdrawing of remaining balance after closure of the Card.
5This limit is applied separately for international and local transactions for your convenience.
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

TravelWise Prepaid Card

Charges (in AED) Frequency
Card Issuance Fee 25 One-time
Card Replacement Fee 31.50 One-time
Balance Inquiry / Declined Transaction at other bank ATMs (excluding Emirates Islamic & ENBD ATMs) 1.05 Per transaction
Balance Inquiry at ATMs in Gulf Co-operation Countries (GCC Network) 3.15 Per transaction
Cash Withdrawal Fee on Emirates Islamic & Emirates NBD ATMs in UAE No Fee -
Cash Withdrawal Fee on other ATMs in UAE 2.10 Per transaction
Cash Withdrawal Fee (International) 10.50 Per transaction
Foreign Currency Transaction in non-UAE Dirhams1 No Fee Per transaction
Foreign Currency Transaction in UAE Dirhams2 No Fee Per transaction
Card Inactivity Fee3 (Charged after 6 consecutive months of inactivity) 15.75 Per month
Balance Unload Fee4 15.75 Per request
Card Cancelation Fee 15.75 -
Transactions Limits
Maximum Daily Transaction Limit5 40,000 -
Maximum Daily Cash Withdrawal Limit5 5,000 -
Maximum Aggregate Load Amount in 1 Month 40,000 -
Maximum Aggregate Load Amount in 12 Months 250,000 -

Notes:
1Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%).
2This pertains to transactions where customers may sometimes be offered the option to settle foreign currency transaction in UAE dirhams at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the Bank (card issuer). Standard processing fee charged by Mastercard or VISA will be applicable (approximately 1.15%) and mark-up fee charged by acquirer, if any.
3Card with no balance for six months will be closed.
4For withdrawing of remaining balance after closure of the Card.
5This limit is applied separately for international and local transactions for your convenience.
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

Debit Cards

Classic / Select (AED) Advantage (AED) ALPHA (AED) Priority (AED) Private (AED) Business Banking (AED) Frequency
Card Issuance No Fee No Fee No Fee No Fee No Fee 26.25 NA
Issuance of Supplementary Card No Fee No Fee NA No Fee No Fee No Fee NA
Replacement Card Fee 26.25 26.25 26.25 No Fee 26.25 26.25 per request
Cash Withdrawal Fee using other bank ATMs (excluding EI and ENBD ATMs) 2.10 2.10 2.10 2.10 2.10 2.10 per transaction
Balance Inquiry / Declined Transaction using other bank ATMs (excluding EI and ENBD ATMs) 1.05 1.05 1.05 1.05 1.05 1.05 per transaction
Cash Withdrawal Fee – at ATMs in Gulf Co-operation Countries (GCC Network) 6.30 6.30 6.30 6.30 6.30 6.30 per transaction
Balance Inquiry - at ATMs in Gulf Co-operation Countries (GCC Network) 3.15 3.15 3.15 3.15 3.15 3.15 per transaction

Foreign currency transaction in non-UAE dirhams1
(Effective 31 January 2026 – 2.54%)

 2.34% 2.34% 2.34% 2.34% 2.34% 2.34% per transaction
Cash Withdrawal Fee – at International ATMs (outside Gulf Co-operation Countries) 21 21 21 Maximum 10 free transactions per calendar year (21 thereafter) 21 21 per transaction
Foreign currency transaction in UAE dirhams2 1.99% 1.99% 1.99% 1.99% 1.99% 1.99% per transaction
Transaction Slip Retrieval 26.25 26.25 26.25 26.25 26.25 No Fee per request

Notes:
1This fee is charged on all foreign currency transactions on the Debit Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE. (approximately 1.15%)
2This fee is charged on AED transactions where the merchant country is outside UAE in addition to the standard processing fee (approximately 1.15%) charged by Mastercard or VISA and mark-up fee charged by acquirer, if any.
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