Emarati Credit Card

Dining. Travel. Lifestyle. Exclusivity.


Winner of the 'Best Islamic Card' at the 2018 Banker Middle East Product Awards.

Exclusive for UAE nationals, the Emarati Credit Card is the perfect addition for your way of life. Designed considering the needs of UAE nationals, this card brings you an array of attractive lifestyle and travel benefits.Unlike other credit cards in UAE, there's always something in-store for you when you use the Emarati Credit Card. Powered by the Emirates Islamic SmartMiles, you can enjoy an instant redemption on miles earned, anywhere, anytime through the EI SmartMiles Mobile app or through www.eismartmiles.ae

Travel, dine or shop, this card gives you an edge on every transaction.

  • A credit card designed exclusively for Emarati
  • Free for life card
  • EI SmartMiles redemption programme: earn Up to 2.5 EI SmartMiles per AED 1 spent locally and Up to 3.75 EI SmartMiles per AED 1 spent internationally
  • Apple Pay, Samsung Pay and Visa Paywave for a faster, more secure and easier way to pay for your daily purchases


EI SmartMiles allows you instant and flexible rewards redemption options from flights, hotels, miles exchange, and gift cards from any outlet or website in the world. You can redeem from over 300 airlines and 180,000 hotels, car rentals and much more. That's not all, these EI SmartMiles also give you the facility to earn unlimited miles and redeem them without any blackout dates.

Was there a particular outfit that you wanted or maybe a membership for a club? With EI SmartMiles at your disposal, you can go all out with shopping, leisure and more. The EI SmartMiles rewards programme has been exclusively designed to offer you travel, shopping and lifestyle benefits. With every local and international transaction you make, the Emirates Islamic Emarati Credit Card gives you an advantage of earning EI SmartMiles. When shopping, dining or even paying your bills, simply use your Card and enjoy accumulating EI SmartMiles.

How to earn EI SmartMiles:

Emarati Card
International spend* Up to 3.75 EI SmartMiles per AED 1
Domestic spend* Up to 2.5 EI SmartMiles Per AED 1

For more details about EISmartMiles earning rates please click here.


Mobile app for EI SmartMiles rewards redemption

Redeem your EI SmartMiles anytime at your convenience with the EI SmartMiles mobile app. The app gives you the flexibility to redeem your reward points for flights, hotels, miles exchange, gift cards and from any outlet or website in the world, instantly with just a few touches. Choose from a wide range of rewards and redeem EI SmartMiles instantly.

Simple steps to register

You are instantly enrolled into the EI SmartMiles reward programme once you get the Emirates Islamic Emarati Credit Card. However, you need to activate your loyalty account.

Here's how you activate it.

  • Visit Apple or Google Play Stores, search and install EI SmartMiles Mobile App or visit eismartmiles.ae
  • Click on 'Activate'
  • Enter your Loyalty ID number (as printed on the back of your Card), as well as your name and date of birth
  • Create a personal username and password to create your EI SmartMiles account

Once these simple steps are complete you can start enjoying your unique benefits.

A summary of your rewards statement, including EI SmartMiles accumulated, redeemed and requests made, as well as expiry, bonus details and more, is available for your convenience in the 'Account Summary' section of the Profile tab on your EI SmartMiles account.

Miles Redemption

This card also works like an air miles credit card. Which means you can enjoy your favourite frequent flyer programme benefits using your EI SmartMiles. If you are a member of programmes such as Etihad Guest, Emirates Skywards or JetPrivilege, simply exchange your EI SmartMiles for our partners' reward points and travel your way.

If you are an Etihad guest or Emirates Skywards member, you can exchange your EI SmartMiles to enjoy amazing privileges offered by Etihad and Emirates. Exchange your EI SmartMiles with Etihad Guest Miles or Emirates Skywards Miles and enjoy one of the best conversion rate in the market.

Below is an example of the amount of EI SmartMiles required to exchange to Etihad Guest Miles and Emirates Skywards Miles.

7,500 EI SmartMiles = 2,500 Etihad Guest Miles*

10,000 EI SmartMiles = 1,000 Emirates Skywards Miles*

Just follow this quick process:

  • Login to www.eismartmiles.ae and click on the 'Miles exchange' tab
  • Select the partner program and enter your membership number
  • Select the EI SmartMiles quantity you want to exchange and press submit
*Miles exchange will take 5 working days

Travel

Make your Emirates Islamic Emarati Credit Card your constant travel companion. Think of it as your travel credit card and spend locally or internationally to earn EI SmartMiles and use them instantly to book your next holiday. Enjoy the flexibility to redeem your EI SmartMiles for free flights, hotels and retail transactions instantly anywhere in the world.

Instant purchase

The Instant Purchase feature allows you to redeem your EI SmartMiles from any shop or online site in the world. When you are making your purchase just use your EI SmartMiles against that purchase.

In order to do that you have to simply enable the feature in your EI SmartMiles account and then pay with your Emarati Credit Card for your chosen item. After 5 days the EI SmartMiles amount will be deducted from your account and a statement credit will be posted onto your Emarati Credit Card.

For example, buy your morning coffee with your EI SmartMiles for as little as 2,000 miles.

EI SmartMiles online market place

Indulge in a wide range of shopping options with EI SmartMiles online market place. Avoid the crowds and overcome queues. Get your hands on the latest fashion, state-of-the-art electronics and more, all from the comfort of your home.

Our e-vouchers let you and your loved ones get exactly what you want, anytime and anywhere. Choose your favourite apparels, electronics, toys and more and instantly receive an e-voucher for use at any mall within the UAE.
Please visit eismartmiles.ae for more information.

Terms and Conditions apply.


Preferential Pricing

Not only does your Emirates Islamic Emarati Credit Card bring you endless benefits and rewards, but it is also free for life and comes with an attractive profit rate of only 2.49%.

Free airport transfers with Careem

Free valet parking exclusive for you

You can avail Free Valet Parking at some of the top locations in Abu Dhabi and Dubai. This is an added benefit to make your lifestyle more convenient. Whether you are travelling for business or leisure, you need not worry about getting a parking spot.

This service is offered to every eligible Emarati Credit Card holder, including supplementary credit cardholders, where they will get two (2) free Valet Parking Services per month at selected Offer Locations.

All you have to do is present your Emarati Credit Card at the Valet Parking Desk.

Service Valid At:
Location Max. parking hours for the Free Usage
Dubai: Dubai Int.Airports (T1 & T3), Dubai Courts, The beach 1 Hour
Dubai: Wafi City, Ibn Battuta Mall, Dubai Creek Golf & Yacht Club, Mirdif City Centre Entire day
Abu Dhabi: Yas Mall, Marina Mall, Khalidiyah Mall, Deerfields Mall, Mushrif Mall Entire day
Click here for terms & conditions.

Complimentary airport lounge access

Experience the true exclusivity of the Emarati Credit Card. Get complimentary unlimited access to over 900 airport lounges worldwide. Now here's a great reason to arrive early at the airport. You can spend some tranquil time over refreshments and comfortable seating with this lounge access. No matter where you travel, rest assured that there is a lounge waiting for you to relax and unwind at.

Multi-trip travel insurance

Travel with convenience and complete peace of mind. Not only does this card give you amazing travel benefits but it also protects your travel. With the Emirates Islamic Emarati Credit Card you can save both, the time and expense of organising travel and medical insurance. Instead of arranging for it separately, the Multi-trip insurance on this card gets you travel and medical insurance together.

The process is simple, all you need to do is pay for your travel with the Emarati Credit Card and you will be covered for travel accident and inconvenience insurance automatically, no hassles.

Details of coverage:

  • Personal accident benefits up to USD 500,000 (International)
  • Personal accident benefits up to USD 50,000 (Domestic)
  • Baggage delay up to USD 500
  • Loss of personal belongings up to USD 1,000
  • Covers cardholder, spouse and up to 5 children; age limit of 75 for all

Visa Luxury Hotel Collection

The Emarati Credit Card allows you to unwind at a range of luxury hotels across the globe. Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Emarati Credit Card.

Our exclusive hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.

Privileges on your Card:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • USD 25 food or beverage voucher

For more details, please visit visaluxuryhotels.com

Global Concierge

You can also avail the Global Concierge facility which provides you with a hosts of services, including flight, hotel and restaurant reservations. You can avail these exclusive host of services over the phone or online, 24 hours a day, from anywhere in the world.
Just call the Concierge Service.
UAE Toll-free: 800 0441 3487
UAE International Direct Dialling: +971 4 361 1234
Alternatively, you can send an email to concierge@visasignature-mea.com

Payments on-the-go

Experience ultimate convenience with your Emirates Islamic Emarati Credit Card. Make secure and easy payments with Apple Pay, Samsung Pay and Visa payWave!

No matter where you are, enjoy payments on-the-go anywhere you see the Apply Pay, Samsung Pay and Visa payWave symbols worldwide. So wave goodbye to cash and say hello to fast, easy and safe payments.

Supplementary Card

Earn rewards faster and get more cash back. Apply for a Supplementary Card for your loved ones to share the privileges and benefits offered on your Emirates Islamic Emarati Credit Card. You can get up to 4 supplementary cards for your family.

Each Supplementary Card issued under your account allows you to track your expenses and helps you manage your cash flow under simplified billing with a single monthly payment for all Cards on the same account.

Supplementary cardholders also enjoy the same benefits as a primary cardholder and can use the free valet parking feature and LoungeKey airport lounge access.

Extended Warranty

The original manufacturer's warranty is doubled up to one year from the expiry date, because with exclusivity we also deliver quality and want it to last for your convenience. For more details, visit cardholderbenefitsonline.com.

Purchase Protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift. For more details, visit cardholderbenefitsonline.com.

Cash-on-Call and Cash Advance facility

We understand that at times you may require cash-in-hand to address your emergencies. Your Emirates Islamic Emarati Credit Card comes with two key features, Cash-on-Call and Cash Advance. With Cash-on-Call you can simply call 600 599 995 and get cash of the Card Limit credited immediately to your account. With Cash Advance you can conveniently access cash from ATMs up to 50% of the Card Limit and up to AED 10,000 per withdrawal at competitive charges.

Balance Transfer

Transfer the outstanding balance of your Card from other banks to your Emirates Islamic Emarati Credit Card.

Easy Payment Plans

Shop to your heart's content with the 0% Easy Payment Plan. From electronics, telecom, supermarket and jewellery; ask for our profit free Easy Payment Plans of 3, 6, 9 or 12 months when making a purchase at our partner outlets such as Carrefour and Sharaf DG among others.

Terms and Conditions apply.

Did you know?

  • Supplementary cardholders enjoy the same benefits as the primary cardholder and earn EI SmartMiles too. You can earn rewards faster and get more benefits with a supplementary card. You can give your family up to 4 supplementary cards. Moreover, they can use the free valet parking and complementary airport lounge access.
  • EI SmartMiles rewards program is the only rewards program in the UAE that allows customers to choose where they want to redeem their miles. With the "Instant Purchase" feature they can redeem from any shop and any online site in the world. What's more there is no minimum or maximum redemption amount required and cardholders can earn unlimited EI SmartMiles.

Tip: Pay for your daily coffee with your EI SmartMiles and get free coffee every day. Simply redeem on the go with the new EI SmartMiles mobile app.



Terms and Conditions apply.

We bring you Mazaya offers that are truly exclusive and one of the best credit card offers in the UAE. You will get unmatched benefits, discounts and privileges on dining, shopping and travel with the Mazaya Offers programme.

Be it for celebrations or business meetings, visit restaurants across the UAE and get mouth-watering discounts of up to 30% with your Emirates Islamic Emarati Card. Shop your heart out, because we have partnered with outlets across UAE to get you fabulous discounts. Go on a shopping spree with your Emirates Islamic Card. Travel the world and explore places, cuisines and more. Enjoy travel benefits with our exclusive travel season offers.


You need to be a UAE national and require a minimum salary of AED 5,000 per month to be eligible for this card.

Easy Steps to Apply

To apply for this credit card is fairly simple. All you need to do is fill the online form and provide the documents listed below:

  • Passport Copy
  • Emirates ID
  • Salary Certificate
  • 3 month bank statement


  • Free for life card
  • Preferential profit rate of 2.49%
  • Preferential FX rate of 1.84%
Please Click here to view schedule of charges.

How do I login to the EI SmartMiles Portal?

You need to register yourself on the portal. Registration is a very simple, two-step process:

  • Step 1: Visit www.eismartmiles.ae, click on 'Activate’ and enter your loyalty account number, Date of Birth and Name on your Credit card.
  • Step 2: Activate your account by setting up your login id and password. We recommend that you take a few minutes to browse the portal to discover the power of EI SmartMiles.

How does Instant Purchase work?

Instant Purchase allows you to redeem your EI SmartMiles from any outlet or online site in the world. All you have to do is use your EI SmartMiles against your next purchase and pay for your chosen item with the Emirates Islamic Emarati Credit Card. Before making the payment enable the Instant Purchase feature in your EI SmartMiles online or mobile app account and then make a purchase at your chosen shop or online site, for example buy your morning coffee with your EI SmartMiles for as little as 2,000 miles. After 5 days the EI SmartMiles amount will be deducted from your account and a statement credit will be posted onto your Emarati Credit Card.

Can I withdraw cash from my credit card in UAE?

You can withdraw cash from any Emirates Islamic branch or from more than 780,000 ATMs around the world displaying the VISA logo, for a nominal fee.

What are the payment options on the card?

You can make card payments through a range of different channels including:


Cheque Payments

Cheque deposits through the Drop Box, which is available at all designated branches. Make sure that you write your name and credit card number on the back of the cheque.
Please Note: Cheques are sent for Clearing and payment is made after the funds are received, which can take 3 - 5 days.

Exchange Houses

Payments through UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange can be made in cash up to a maximum value of AED 35,000 per day. All payments will reflect in your credit card account in 2 to 3 working days.

Pay Bills Online

As an Emirates Islamic account holder, you can use your online banking service to pay your monthly bills online. Simply visit www.emiratesislamic.ae and log in to online banking. Call 600 599995 for assistance to link your credit card with your online banking account.
Online Auto Payment Facility
Schedule your monthly bill payment through your online banking account using the Auto Payment Transfer facility, which enables your monthly bill to be automatically deducted from your account at the click of a button.

Cash At Counter

Make a cash payment for your Emirates Islamic credit card at any of our branches during banking hours.

Cash Deposit Machines

Make your payment by depositing the payment at one of our network of Cash Deposit Machines. You can make your payments even if you do not have your card with you, all you need is the card number.

Can I avail any supplementary card with this card?

You can get up to 4 supplementary cards for your family members and enable them to take advantage of discounts available on your primary card while earning reward points on every Dirham spent.

Is the card Sharia compliant?

Emirates Islamic Emarati Card is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed profit for extending various features and benefits to customers.
Click here to view FAQs related to EI SmartMiles


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