Credit Cards

Skywards Emirates Islamic 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 199
Maximum Cash Advance in a transaction AED 10,000

Emirates Islamic Skywards Cards - Profit Based


Card Type Infinite Signature
Monthly profit rate 2.99% (This will be revised to 3.09% effective January 5, 2020) 3.25%
Annual Membership fee 2000 700

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*

*Free, subject to a minimum annual spend of AED 5,000


Emirates Islamic Emarati Credit Card


Monthly profit rate 2.49% (This will be revised to 2.99% effective January 5, 2020)
Annual Membership Fee Free for life

Emirates Islamic Cashback Plus Credit Card


Monthly profit rate 3.35% (This will be revised to 3.49% effective January 5, 2020)
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 3.25% (This will be revised to 3.49% effective January 5, 2020) 700


All 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 fees Free*
Replacement card fee Free
Late Payment Fee 225
Cheque & Direct Debit Return 100
Liability/No liability letter 50
Forex Charges 2.34%** (1.84%** Emarati 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


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).