Credit Cards
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).
Emirates Islamic Expo Credit Card
| Monthly Profit Rate | 3.49% |
| Annual Membership Fee (in AED) | AED 0 |
Emirates Islamic Etihad Guest Cards
| Card Type | Platinum | Ameera | Saqer | Premium (Sign up offer – 25,000 Etihad Guest Miles) |
Premium (Sign up offer – 55,000 Etihad Guest Miles) |
|---|---|---|---|---|---|
| Monthly Profit Rate | 3.49% | 3.49% | 3.49% | 3.49% | 3.49% |
| Annual Membership Fee (in AED) | 208.95 | 733.95 | 943.95 | 1,575 | 2,625 |
Emirates Islamic Skywards Cards - Profit Based
| Card Type | Signature | Infinite | Black |
|---|---|---|---|
| Monthly Profit Rate | 3.49% | 3.49% | 3.25% |
| Annual Membership Fee (in AED) - Primary Card - Supplementary Card (with Skywards Gold Membership) |
735 NA |
2,100 NA |
4,200 4,200 |
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 (in AED) | 250 | 375 | 450 | 625 | 875 | 1,350 | 1,900 | 2,800 | 4,500 |
| Gold | Platinum | Infinite | |
|---|---|---|---|
| Annual fee (in AED) | 420 | 735 | 2,100 |
Emirates Islamic Business Card
| Monthly profit rate | 3.25% |
|---|---|
| Annual Membership Fee (in AED) | No Annual Membership Fee |
| Cash Advance Fee* | 3.15% of cash advance amount or AED 103.95 whichever is higher |
| 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 (in AED) | 225 | 325 | 500 | 575 | 850 | 1,200 | 1,600 | 1,600 | 1,600 |
Emirates Islamic RTA Credit Cards - Profit Based
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee (in AED) | No Annual Membership Fee |
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 (in AED) | 225 | 325 | 500 | 575 | 850 | 1,200 | 1,600 | 1,600 | 1,600 |
| Classic | Gold | Platinum | Infinite | |
|---|---|---|---|---|
| Annual fee (in AED) | 210* | 210* | 210* | 210* |
*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 (in AED) | 225 | 325 | 500 | 575 | 850 | 1,200 | 1,600 | 1,600 | 1,600 |
| Classic | Gold | Platinum | Infinite | |
|---|---|---|---|---|
| Annual fee (in AED) | 210* | 210* | 210* | 210* |
*Free, subject to a minimum annual spend of AED 5,000
Emirates Islamic Cashback Credit Card
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee (in AED) | 367.50 |
Emirates Islamic Emarati Credit Card
| Monthly profit rate | 3.39% |
|---|---|
| Annual Membership Fee (in AED) | No Annual Membership Fee |
Emirates Islamic Cashback Plus Credit Card
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee (in AED) | 313.95 |
Emirates Islamic Easy Credit Cards
| Monthly profit rate | 3.50% |
|---|---|
| Annual Membership Fee (in AED) | No Annual Membership Fee |
Emirates Islamic Union Coop Tamayaz Credit Cards
| Monthly profit rate | 3.49% |
|---|---|
| Annual Membership Fee (in AED) | No Annual Membership Fee |
Emirates Islamic Flex Cards
| Monthly profit rate | Annual Membership Fee (in AED) | |
|---|---|---|
| Flex | 3.49% | No Fee |
| Flex Elite | 3.49% | 735 |
Other Fees and Charges for Credit Cards
| Charges (in AED) | Frequency | |
| Minimum amount due monthly | 5% of outstanding and all fees and charges | per month |
| Payment due date from statement date | 25 | - |
| Maximum cash advance per transaction | 10,000 or 50% of the card limit whichever is lower | per transaction |
| Transaction slip retrieval | 52.50 | per request |
| Duplicate Statement Copy (per monthly statement) |
26.25 | per monthly statement |
| Statement over 3 months old (per monthly statement) |
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 Card - AED 420 Emirati Credit Card – AED 210 All other Credit Cards – AED 78.75 |
per request |
| Late payment Fee3 | 131.25 | - |
| Direct Debit Return Fee | 105 | per instance |
| Liability/No liability letter | 52.50 | per request |
| Foreign currency transaction in non-UAE dirhams4 |
2.34% (1.84% Emarati Card & Skywards Black 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 | 261.45 | per instance |
| Paper Statement (monthly) | No Fee | - |
| Email Statement (monthly) | No Fee | - |
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 for 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). This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any .
Cash on Call/ Balance Transfer/Balance Conversion/Easy Payment Plan
| Monthly profit rate | Upto 3.50% |
| Early settlement Fee (in AED) | 157.50 |
| Processing fee | Upto 3.68% of the transaction amount |
Emirates Islamic Corporate Credit Cards
| Card Type | Monthly profit rate | Annual Membership Fee (in AED) |
|---|---|---|
| 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 |
| Late payment fee **** | AED 131.25 | per instance |
| 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 dirhams***** | 1.99% of Transaction Amount | per transaction |
| Paper Statement (monthly) | Nil | - |
| Email Statement (monthly) | Nil | - |
| *This amount will be transferred to charity. ****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). *****This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa or Diners Club 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). |
||
Prepaid Cards
| Charges (in AED) | Frequency | |
|---|---|---|
| Top Up Fee - First Time (Only applicable if the first load on the card is performed at the teller counter) |
26.25 | one-time |
| Top Up Fee - Subsequent | No Fee | - |
| Balance Transfer Fee1 | No Fee | - |
| Monthly Inactivity Fee 2 (after 6 months of inactivity) |
5.25 per month | per month |
| Cash Withdrawal Fee on EIB ATMs in UAE | No Fee | - |
| Cash Withdrawal Fee on other ATMs in UAE | 2.1 | per transaction |
| Foreign currency transaction in non-UAE dirhams3 | 2% of transaction amount | per transaction |
| Foreign currency transaction in UAE dirhams4 | 1.99% | per transaction |
| Balance Unload Fee 5 | 15.75 | per request |
| Maximum Daily Transaction Limit6 | 40,000 | - |
| Maximum Daily Cash Withdrawal Limit6 | 5,000 | - |
| Maximum Balance on the Card | 40,000 | - |
Notes:
1Balance transfer from one Prepaid Card to another
2Card with no balance for six months will be closed
3This fee is charged on all foreign currency transactions on the Prepaid 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%).
4This fee is charged for 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). This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.
5For withdrawing of remaining balance after closure of the Card
6This 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).
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).