Apply for an Emirates Islamic Credit Card

Credit Card Eligibility

To apply for an Emirates Islamic Credit Card, you must be at least 21 years old and meet the eligibility requirement listed below:

• If you’re employed, you need to meet the minimum income requirement for the card. To know more about the minimum income criteria, please click here.
• If you own a business, i.e. self-employed, you can apply for a credit card if your computed income meets the minimum income criteria. To know more, please click here.
• If you’re unemployed or you do not meet the minimum income criteria, you need to open a Fixed Deposit Account with Emirates Islamic which holds the minimum deposit required for the card you’re applying for

If your credit score is low or you have a high debt-burden ratio, your application may be rejected. 

• Learn more about Credit Score and how to improve it.
• Know how to calculate your Debt-burden Ratio.

Required Documents

• Original Emirates ID or passport
• Latest salary certificate (for employed customers)
• Trade license (for self-employed customers)
• Bank statement for the last three months
• Security cheque (if applicable)

How to Apply?

Fees and Charges

Depending on the type of Emirates Islamic Credit Card you choose, a joining fee and annual membership fees may apply.

If these fees apply to the card you choose, you’ll be informed at the time of application.

The joining fee is a one-time fee and will be billed to you in your first statement. Annual membership fees will be billed annually in your statement.

Learn more about our Credit Card Fees and Charges.

FAQs