Credit Cards
Emirates Islamic Etihad Guest Cards
| Card Type | Premium (Sign up offer – 55,000 Etihad Guest Miles) |
Premium (Sign up offer – 25,000 Etihad Guest Miles) |
Saqer | Ameera | Platinum |
|---|---|---|---|---|---|
| Monthly Profit Rate | 3.49% | 3.49% | 3.49% | 3.49% | 3.49% |
| Annual Membership Fee | 2500 | 1500 | 899 | 699 | 199 |
Emirates Islamic Skywards Cards - Profit Based
| Card Type | Black | Infinite | Signature |
|---|---|---|---|
| Monthly Profit Rate | 3.25% | 3.49% | 3.49% |
| Annual Membership Fee - Primary Card - Supplementary Card (with Skywards Gold Membership) |
4000 4000 |
2000 NA |
700 NA |
Emirates Islamic Skywards Credit Cards - Fee Based
| Credit limit range | <=8,000 | 8,001-13,000 | 13,001-16,000 | 16,001-25,000 | 25,001-37,500 | 37,501-62,500 | 62,501-100,000 | 100,001-150,000 | >150,000 |
|---|---|---|---|---|---|---|---|---|---|
| Monthly Fee | 250 | 375 | 450 | 625 | 875 | 1350 | 1900 | 2800 | 4500 |
| Gold | Platinum | Infinite | |
|---|---|---|---|
| Annual fee | 400 | 700 | 2000 |
Emirates Islamic Business Card
| Monthly profit rate | 3.25% |
|---|---|
| Annual Membership Fee | Free for life |
| Cash Advance Fee* | 3% or minimum AED 99 |
| Maximum Cash Advance in a transaction | AED 10,000 |
Emirates Islamic RTA Credit Cards - Fee Based
| Credit limit range | <=8,000 | 8,001-13,000 | 13,001-16,000 | 16,001-25,000 | 25,001-37,500 | 37,501-62,500 | 62,501-100,000 | 100,001-150,000 | >150,000 |
|---|---|---|---|---|---|---|---|---|---|
| Monthly Fee | 225 | 325 | 500 | 575 | 850 | 1200 | 1600 | 1600 | 1600 |
Emirates Islamic RTA Credit Cards - Profit Based
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee | Free for life |
Emirates Islamic Rewards Credit Cards
| Credit limit range | <=8,000 | 8,001-13,000 | 13,001-16,000 | 16,001-25,000 | 25,001-37,500 | 37,501-62,500 | 62,501-100,000 | 100,001-150,000 | >150,000 |
|---|---|---|---|---|---|---|---|---|---|
| Monthly Fee | 225 | 325 | 500 | 575 | 850 | 1200 | 1600 | 1600 | 1600 |
| Classic | Gold | Platinum | Infinite | |
|---|---|---|---|---|
| Annual fee | 200* | 200* | 200* | 200* |
*Free, subject to a minimum annual spend of AED 5,000
Emirates Islamic Abu Dhabi Rewards Credit Cards
| Credit limit range | <=8,000 | 8,001-13,000 | 13,001-16,000 | 16,001-25,000 | 25,001-37,500 | 37,501-62,500 | 62,501-100,000 | 100,001-150,000 | >150,000 |
|---|---|---|---|---|---|---|---|---|---|
| Monthly Fee | 225 | 325 | 500 | 575 | 850 | 1200 | 1600 | 1600 | 1600 |
| Classic | Gold | Platinum | Infinite | |
|---|---|---|---|---|
| Annual fee | 200* | 200* | 200* | 200* |
*Free, subject to a minimum annual spend of AED 5,000
Emirates Islamic Cashback Credit Card
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee | 350 |
Emirates Islamic Emarati Credit Card
| Monthly profit rate | 3.39% |
|---|---|
| Annual Membership Fee | Free for life |
Emirates Islamic Cashback Plus Credit Card
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee | 299 |
Emirates Islamic Easy Credit Cards
| Monthly profit rate | 3.50% |
|---|---|
| Annual Membership Fee | Free for life |
Emirates Islamic Union Coop Tamayaz Credit Cards
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee | Free for life |
Emirates Islamic Flex Cards
| Monthly profit rate | Annual Membership Fee | |
|---|---|---|
| Flex | 3.49% | Free |
| Flex Elite | 3.49% | 700 |
Other Fees and Charges for Credit Cards
| In AED | |
| Minimum amount due monthly | 5% of outstanding and all fees and charges |
| Payment due date from statement date | 25 |
| Maximum cash advance per transaction | 10,000 or 50% of the card limit whichever is lower |
| Transaction slip retrieval | 50 |
| Duplicate Statement Copy (per monthly statement) |
25 |
| Statement over 3 months old (per monthly statement) |
45 |
| Cash advance charges* | 3% of cash advance amount or AED 99 whichever is higher |
| Supplementary Card Fee | Free** (One-time joining fee of AED 500 will be charged for Skywards Black Metal Supplementary cards only) |
| Replacement Card Fee | Free (Effective 10th September 2021 the following charges will apply Skywards Black Card - AED 400 Emirati Credit Card – AED 200 All other Credit Cards – AED 75) |
| Obligated amount to charity (late payment fee) | 225 |
| Cheque & Direct Debit Return | 100 |
| Liability/No liability letter | 50 |
| Forex Charges |
2.34%*** (1.84%*** Emarati Card & Skywards Black Card) |
| Credit Shield | 0.99% of outstanding amount |
| Overseas transaction in UAE Dirhams | 1.99% |
| Over limit Fee | 249 |
| Paper Statement (monthly) | 10 (No Charge for Priority customers) |
| Email Statement (monthly) | Free |
**Up to 4 free supplementary cards
***This fee is charged in addition to the standard processing fee charged by MasterCard International or Visa International and is applicable to transactions performed outside UAE(approximately 1.15%)
Cash on Call/ Balance Transfer/Balance Conversion/Easy Payment Plan
| Monthly profit rate | Upto 3.50% |
| Early settlement Fee | 150 |
| Processing fee | Upto 3.50% 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 | ||
| Minimum Amount Due Monthly | 100% of outstanding and all fees and charges | |
| Transaction Slip Retrieval | AED 50 | |
| Duplicate Statement Copy (per monthly statement) | AED 25 | |
| Duplicate Statements Over 3 Months Old (per monthly statement) | AED 45 | |
| Replacement Card Fee | Nil (Effective 10th September 2021 AED 75 charges will apply) |
|
| Obligated amount to charity (late payment fee)* | AED 225* | |
| Cheque and Direct Debit Return Fee | AED 100 | |
| Forex Charges | 2.75% of Transaction Amount | |
| Overseas Transaction in AED | 1.99% of Transaction Amount | |
| Paper Statement (monthly) | Nil | |
| Email Statement (monthly) | Nil | |
| *This amount will be transferred to charity.
All charges, commissions and fees are exclusive of Value Added Tax or any other similar sales tax (VAT). If VAT is applicable, it will be chargeable and payable in addition to, and at the same time as, the above mentioned charges. |
||
Prepaid Cards
| In AED | |
|---|---|
| Top Up Fee - First Time (Only applicable if the first load on the card is performed at the teller counter) |
25 |
| Top Up Fee - Subsequent | Free |
| Card Replacement Fee | 25 |
| Balance Transfer Fee* | Free |
| Monthly Inactivity Fee ** (after 6 months of inactivity) |
5 per month |
| Cash Withdrawal Fee on EIB ATMs in UAE | Free |
| Cash Withdrawal Fee on other ATMs in UAE | 2 |
| Forex Fee | 2% of transaction amount***** |
| Balance Unload Fee *** | 15 |
| Maximum Daily Transaction Limit**** | 40,000 |
| Maximum Daily Cash Withdrawal Limit**** | 5,000 |
| Maximum Balance on the Card | 40,000 |
Notes:
* Balance transfer from one Prepaid Card to another
** Card with no balance for six months will be closed
*** For withdrawing of remaining balance after closure of the Card
**** This limit is applied separately for international and local transactions for your convenience
***** This fee is charged in addition to the standard processing fee charged by MasterCard International or Visa International and is applicable to transactions performed outside UAE(approximately 1.15%)
******All charges, commissions and fees are exclusive of Value Added Tax or any other similar sales tax (VAT).
Profit rates are levied on all transaction types (Retail Purchases / Cash Advance), calculated from transaction date till repayment date (calculated based on average daily balance).