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 Fees | 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 | 208.95 | 733.95 | 943.95 | 1575 | 2625 |
Emirates Islamic Skywards Cards - Profit Based
| Card Type | Signature | Infinite | Black |
|---|---|---|---|
| Monthly Profit Rate | 3.49% | 3.49% | 3.25% |
| Annual Membership Fee - Primary Card - Supplementary Card (with Skywards Gold Membership) |
735 NA |
2100 NA |
4200 4200 |
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 | 420 | 735 | 2100 |
Emirates Islamic Business Card
| Monthly profit rate | 3.25% |
|---|---|
| Annual Membership Fee | Free for life |
| 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 | 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 | 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 | 225 | 325 | 500 | 575 | 850 | 1200 | 1600 | 1600 | 1600 |
| Classic | Gold | Platinum | Infinite | |
|---|---|---|---|---|
| Annual fee | 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 | 367.50 |
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 | 313.95 |
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% | 735 |
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 | 52.50 |
| Duplicate Statement Copy (per monthly statement) |
26.25 |
| Statement over 3 months old (per monthly statement) |
47.25 |
| Cash advance charges* | 3.15% of cash advance amount or AED 103.95 whichever is higher |
| Supplementary Card Fee | Free** (One-time joining fee of AED 525 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 420 Emirati Credit Card – AED 210 All other Credit Cards – AED 78.75) |
| Obligated amount to charity (late payment fee) | 225 |
| Cheque & Direct Debit Return | 105 |
| Liability/No liability letter | 50 |
| Forex Charges |
2.34%*** (1.84%*** Emarati Card & Skywards Black Card) |
| Credit Shield | 1.04% of outstanding amount |
| Overseas transaction in UAE Dirhams | 1.99% |
| Over limit Fee | 261.45 |
| Paper Statement (monthly) | 10.50 (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 | 157.50 |
| Processing fee | Upto 3.68% 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 52.50 | |
| Duplicate Statement Copy (per monthly statement) | AED 26.25 | |
| Duplicate Statements Over 3 Months Old (per monthly statement) | AED 47.25 | |
| Replacement Card Fee | Nil (Effective 10th September 2021 AED 78.75 charges will apply) |
|
| Obligated amount to charity (late payment fee)* | AED 225* | |
| Cheque and Direct Debit Return Fee | AED 105 | |
| 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 inclusive of Value Added Tax or any other similar sales tax (VAT). |
||
Prepaid Cards
| In AED | |
|---|---|
| Top Up Fee - First Time (Only applicable if the first load on the card is performed at the teller counter) |
26.25 |
| Top Up Fee - Subsequent | Free |
| Card Replacement Fee | 26.25 |
| Balance Transfer Fee* | Free |
| Monthly Inactivity Fee ** (after 6 months of inactivity) |
5.25 per month |
| Cash Withdrawal Fee on EIB ATMs in UAE | Free |
| Cash Withdrawal Fee on other ATMs in UAE | 2.1 |
| Forex Fee | 2% of transaction amount***** |
| Balance Unload Fee *** | 15.75 |
| 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 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).