Emarati Credit Card Emarati Credit Card

Emarati Credit Card comes in a sleek metal with cutting-edge design and brings you endless travel and lifestyle benefits and much more.

Key Benefits

Extended Warranty

Exclusive Metal Card designed for Emarati

Free for life card.

EI Smart Miles

EI SmartMiles rewards programme

Up to 3.75 EI SmartMiles per 1 AED spend.

Lounge Access

Airport Lounge Access

Complimentary unlimited access at 1000 lounges worldwide for Cardholder.

Valet parking

Valet Parking

2 Free valet parking service per month.

About EI SmartMiles

EI SmartMiles rewards programme has been exclusively designed to offer customers travel, shopping and lifestyle benefits. What's more, you can redeem them without any blackout dates. Enjoy the flexibility to redeem your EI SmartMiles for free flights, hotels and retail transactions instantly anywhere in the world.

Get the App

The EI Rewards app is available on iOS and Android, click here to find out more or scan the QR Code below to access.

EI SmartMiles QR Code

How to earn EI Smart Miles:

Emarati Card
International spend* Upto 3.75 EI Smart Miles per AED 1
Domestic Spend* Upto 2.5 EI Smart Miles Per AED 1

* For more details about EISmartMiles earning rates please Click here.

What can you do with your EI SmartMiles?

Miles Exchange

Simply exchange your EI SmartMiles with our partner loyalty programmes - Upoints By Emaar, Emirates Skywards, Etihad Guest and InterMiles.

6,500 EI SmartMiles = 1,000 Upoints By Emaar
10,000 EI SmartMiles = 1,000 Emirates Skywards Miles
10,000 EI SmartMiles = 2,500 Etihad Miles
20,000 EI SmartMiles = 4,000 InterMiles

Your Miles will be transferred within 5 working days

All you need to do is select the partner program and enter your membership number on the app.

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.

Just follow 3 simple steps:

  • Step 1: Login using EI Rewards mobile app 'or' through eirewards.ae
  • Step 2: Tap on "Instant Purchase" and make a choice
  • Step 3: Go ahead & make your transaction using your Emarati Card

Within 5 days the EI SmartMiles balance will be deducted from your account and a statement credit will be posted onto your Emarati Card.


Instant EI SmartMiles redemption at over 300 airlines and more than 180,000 hotels worldwide, car rentals and much more starting from as low as 4,000 EI SmartMiles.

Online Market Place

Indulge in a wide range of shopping options with EI SmartMiles online market place. Choose your favourite apparels, electronics, toys and more and instantly receive an e-voucher for use at any mall within the UAE.

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 eirewards.ae for more information.

Terms and Conditions apply.


Exclusive Metal Card designed for Emarati

Exclusive for UAE nationals Emarati Credit Card comes in a sleek metal with cutting-edge design and 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 Emirati Credit Card, winner of the ‘Best Islamic Card’ at the 2018 Banker Middle East Product Awards.

Complimentary Reel Cinemas Movie Tickets

Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week. Click here to know about the eligibility criteria.

Enjoy 15% off on Emaar Entertainment Attractions

Enjoy 15% discount on the below Emaar Entertainment Attractions.

  • Dig It - Stay and Dig
  • KidZania Abu Dhabi
  • KidZania Dubai
  • VR Park – Pay & Play
  • Ekart
  • Ice Rink
  • The Dubai Fountain Boardwalk
Click here to know about Emaar Attractions Term & Conditions.

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 3.39%.

Airport Lounge Access

Enjoy unlimited complimentary access to over 1000 airport lounges worldwide.

For more details about the Lounge Key program please visit www.loungekey.com/visasignaturemena

Terms & Conditions:

  • 1st visit to the Lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
  • For every accompanying guest, cardholders will be charged US $27 per person per visit

Valet Parking

You can avail Free Valet Parking at some of the top locations in the UAE. 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.

Click here for locations and terms & conditions.

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

Payments on-the-go

Experience ultimate convenience with your Emirates Islamic Emarati Credit Card. Make secure and easy payments anywhere you see the Apple Pay, Samsung Pay and Google Pay symbols worldwide. So wave goodbye to cash and say hello to fast, easy and safe payments.

Global Concierge

You can 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

Multi-trip travel insurance

Travel with complete freedom and peace of mind. Your Emirates Islamic Emarati (Signature) Visa credit card saves you the time and expense of organizing travel and medical insurance separately when you travel.

The process is simple, all you need to do is pay for your travel with the Emarati Credit Card and you are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit cardholderbenefitsonline.com/ to get your travel insurance certificate.

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.

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.

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.


You need to be a UAE national and require a minimum salary of AED 12,000 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

Schedule of Charges

Please click here to view schedule of charges.

Card Benefits

Explore the benefits of using your Emirates Islamic Credit Card. Learn more about our security features, ways to pay and other card benefits.

Important information

Please click here to view Emirates Islamic Credit Cards – Important information.

Mazaya Offers

Mazaya Offers

Get unmatched benefits, discounts and privileges.

Know More »

Frequently Asked Questions

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

Step 1: Visit eirewards.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.

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 Rewards 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.

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.

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

1. 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.

2. 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.

3. 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 600 599 995 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.

4. Cash At Counter

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

5. 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.

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.

Emirates Islamic Emirati 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.