Earn up to 3.75 EI SmartMiles per AED 1 of retail spends as per below table:

For example: For an international spend of AED 1,000, you will earn 3,750 EI SmartMiles (3.75*1000) which is worth AED 37.50, or 3.75% in terms of value back.

Your EI SmartMiles are calculated each month based on your monthly spend and is valid for two years.

Maximum eligible spends: In any given month, a Card member shall only be entitled to earn EI SmartMiles for transactions carried out up to the extent of the assigned Credit Limit on the Card. Transactions exceeding the assigned Credit Limit shall not be entitled to earn EI SmartMiles during that month.

• Effective July 01, 2019, retail spends made under category "Grocery / Supermarkets" on Emarati Card will earn 40% of the Base EI SmartMiles, retail spends made under category "Insurance", "Car dealership and Auto related" will earn 15% of the Base EI SmartMiles & retail spends under category "Government Services", "Bill Payments (including utility bills)", "Education", "Fuel/Petroleum", "Real Estate" and "Telecommunication Payment" will earn 10% of the Base EI SmartMiles.
• Effective February 01, 2020, retail spends made under category "Quick Service Restaurants (fast food restaurants)" will earn 25% of the Base Miles.
• Effective February 01, 2020, retail international spends originating in “European Economic Area (EEA) countries which includes the United Kingdom as per VISA and MasterCard” will earn 15% of the International Miles.

Cash advance transactions will not earn rewards made at below merchant categorized by VISA/MasterCard as:

• Non-Financial Institutions – Foreign Currency, Liquid and Cryptocurrency Assets (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding, Travelers Cheques, Debt Repayment and Stored Value Card Purchase/Load.
• Financial Institutions – Merchandise, Services, and Debt Repayment.
• Money Transfer & Security Brokers/Dealers.