RTA Credit Cards

Credit Card and transit chip built into a single Card.

The Emirates Islamic RTA Credit Card brings you up to 10% cash back on your spends and convenience like never before with a built-in RTA NOL chip. Enjoy the dual benefit of a single card that can be used as a credit card for your purchases and as a NOL Card at RTA's Dubai Metro, Dubai Bus, Water Buses, Dubai Tram and mParking.
The Card brings you a wide range of exclusive benefits including:

  • 10% cash back on fuel spends
  • 10% cash back on RTA transport payments
  • 2.25% cash back on international spends
  • 1.25% cash back on all other spends
  • Convenience of charging your NOL and Salik Accounts with Auto Top-up facility


Using your card

You can use your Emirates Islamic RTA Credit Card like the RTA Nol Card (for making fare payments on the RTA transit network and Parking Meters), as well as a Credit Card (for making purchases and cash withdrawals). The Nol Tag ID stored on the Nol chip in the card and the Credit Card account are separate but available on the same Card, giving you the convenience of carrying a single Card.

Security on your card

The "Nol Chip" and "Credit Card Account" on your Card are separate. They are securely linked for top-ups only as authorised by you.

Nol Top up

The Nol Chip balance will reduce with regular usage at Parking Meters or on the RTA transit network. Your Card comes with convenient topup options to recharge your linked Nol Chip.


a. Activate the Auto top-up facility


Now there is no need to queue up at RTA stations or even remember to make a payment towards recharging your Nol Chip. Simply, activate the Auto top-up facility on your Emirates Islamic RTA Credit Cards.


  • The Auto top-up facility recharges your Nol Chip linked to the Card, with the specified amount, every time it reduces to a threshold of AED 20 for the Platinum Card.
  • Auto top-up is initiated for the amount as specified by you at the time of application.
  • In case you have not requested for Auto top-up at the time of application and you wish to enable Auto top up, please call us on 600 599 995 and we will help you activate the facility. Please note that a new card will be issued and a replacement fee will be applicable as per the Schedule of Charges.

Auto top-up plans

You may choose the Auto top-up amount from any of the below plans:

  • Plan 1: AED 50
  • Plan 2: AED 100
  • Plan 3: AED 200

The Auto top-up option will take the payment from your Credit card, therefore your credit limit is utilized. All Auto top-ups are included in your monthly Credit Card statement.

Important

  • The Auto top-up amount reflects on the Nol Chip on either tapping the Card at the RTA Metro gate or inserting the Card in any of the Parking Meters.
  • After the Auto top-up is initiated, it could take up to 24 hours for the balance to reflect on your Nol Chip.
  • RTA allows a maximum stored value of AED 500 on the Nol Chip. The top-up amount reflects in the Nol balance only if the limit can accommodate the top-up amount, else it is placed on hold until the Nol limit gets released.

Auto top up cancellation

You may call our customer service helpline on 600 599 995 or visit any of the RTA ticket offices (at Metro Stations to request for cancellation of Auto top-up facility on your Card. Your Card will be replaced with a new Card and a replacement fee will be applicable as stated in Emirates Islamic Service and Price Guide.

b. Use any of the Manual top-up channels

You may also top-up your Emirates Islamic RTA Credit Card manually. This can be conveniently done through any of the following channels:

Emirates Islamic channels

  • Automated Teller Machines (ATMs)
  • Cash Deposit Machines (CDMs)
  • Internet Banking
  • Integrated Voice Recording service (IVR) on Customer Service helpline
  • EI Mobile Banking

RTA Locations

  • Ticket Offices (at Metro stations or select Bus stations)
  • Ticket Vending Machines (at Metro Stations and Bus Stops)
  • RTA Customer Service Centres
  • RTA Authorised Sales Agents (e.g. Carrefour, Spinneys, Waitrose, Redha Al Ansari, Geant, EPPCO, ENOC)

Please visit www.rta.ae for the latest list of locations.

Activate Salik Auto top up facility

Your Emirates Islamic RTA Credit Card provides the most convenient option for Salik Auto top up. By activating the facility, you do not have to remember to recharge your Salik account when the SMSs start rolling in during your drive.

  • The Salik Auto top-up option recharges your Salik account linked to the Card, with the specified amount, every time it reduces to a threshold of AED 20.
  • Auto top-up is initiated for the amount as specified by you at the time of application.
  • In case you have not requested for Auto top-up at the time of application but would like to do so, please call us on 600 599 995 and we will help you activate the facility. Please ensure you have your Salik account number and PIN handy when you call us.
  • Please note that only one Salik account can be linked to the Emirates Islamic RTA Credit Card. You can activate Salik Auto top-up on your Supplementary Card/s also.

Salik Auto top up plans

You may choose Auto top up amount from any of the below plans:

  • Plan 1: AED 50
  • Plan 2: AED 100
  • Plan 3: AED 200

The Auto top-up option will take the payment from your Credit card, therefore your credit limit is utilized. All Auto top-ups are included in your monthly Credit Card statement.

Auto top-up cancellation

You may call us on 600 599 995 at any time to request cancellation of Salik Auto top-up facility on your Card.



Enjoy up to 10% Cash back

Spend Categories Cash back % Maximum Cash back per month
RTA 10% AED 200
Fuel Stations 10% AED 200
International 2.25% NA
Domestic 1.25% NA

Effective March,15 2018, retail domestic spends made under category "Government Services" will earn 0.5% cashback.

Cashback Redemption

To redeem your cash back rewards, simply call 600 599 995 to get your cashback points credited to you card.

The Emirates Islamic RTA Credit Cards come packed with an amazing Points Programme. The more you spend, the more you earn. Your points will be calculated each month. You can use the points which have accumulated in your points account for multiple RTA and Emirates Islamic facilities.

In addition to getting points on your retail transactions and purchases we you will also be eligible for an amazing offer – The Points Multiplier! Each RTA and Salik Auto Top-up on your account earns you 5 times the Reward Points.

Facilities available on the RTA Credit Card

  RTA Platinum Credit Card
Fare payments for RTA Metro Yes
Cabin access for RTA Metro Regular class cabin and fare
Fare payments at RTA Parking Meters Yes
Fare payments for RTA Bus Yes
Fare payments for RTA Water Bus Yes
Monthly Pass Product Yes

Credit Shield

Emirates Islamic RTA Credit Cards now offer you credit shield cover that protects you/your family from financial burdens in unfortunate circumstances. This covers your credit card outstanding in case of death or permanent disability. You are automatically entitled to credit shield as a credit card holder absolutely free for an initial period of 2 months from the date of issuance of your card and continued use of this service from your side will serve as automatic subscription to this service, till you advice us otherwise. Consequently, you will be charged a nominal fee per month (subject to change at Bank's discretion) on the outstanding amount of your monthly statement. So you can enjoy that extra peace of mind. If you don't want to avail of this facility, please call 600 599 995 to discontinue your enrolment.

Payment Options

Ways to Pay

Card payments can be made 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.emiratesislamicbank.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.

Purchase Protection

If any item purchased on your Emirates Islamic RTA Credit Card is stolen, destroyed or damaged by fire or accident within 90 days from the date of purchase, you are covered up to US$5,000 per incident (per item limit of US$1,500 and a maximum of US$20,000 in any one year). All you need to do is submit your claim within 45 days of the incident, along with proof of purchase. The item will then either be replaced or repaired. Alternatively, the cost of the item will be reimbursed. For further information, or to submit a claim, please call 8000 441 3487.

Extended Warranty

Purchase household appliances on your Emirates Islamic RTA Credit Card and enjoy a complimentary extended warranty period of 12 months beyond the manufacturer / retailer warranty. This cover is available up to a maximum of 24 months from the date of purchase, to a value of up to US$5,000 per incident. There is a per item limit of US$1,500 and a maximum of US$20,000 in any one year. For further information, please call 8000 441 3487.

Emergency Medical and Legal referral service

Your Emirates Islamic RTA Credit Card entitles you to emergency Medical and Legal assistance anywhere in the world, through SOS International. You also have 24-hour enquiry services, travel information and other services – from interpreters to technicians. To make use of this service, please ensure you purchase your travel using your Emirates Islamic RTA Credit Card. For medical and legal referral services, call 8000 441 3487 or the 24-Hour Alarm Centre on: +44 (0) 20 8762 8373.

Emergency Cash and Card replacement

In case of an emergency, you can get up to US$5,000 as emergency cash advance, anywhere in the world. You can also request for emergency Card replacement, should you lose your Card while travelling. Simply call the 24-Hour Alarm Centre on 0800 121, wait for the prompt, and then enter 866 654 0112 (UAE) or +1 410 581 9994 (international).


Please click here to view schedule of charges.

We are delighted to present to you our Mazaya Offers. Get unmatched benefits, discounts and privileges at restaurants and retailers across the UAE.


Dining

Get mouth-watering discounts of up to 30% at restaurants across the UAE with your Emirates Islamic Card.

Shopping

Get fabulous discounts at partner outlets across UAE when you shop using your Emirates Islamic Card.

Travel

Enjoy travel benefits with our exclusive travel season offers. For more details and a complete list of our partner outlets, please visit our website.

Some of the benefits above are provided by VISA International. For details and the latest list of offers refer to the Mazaya section in the Emirates Islamic and the VISA International website

Click here to view mazaya offers.


Can I withdraw cash with my 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.

What are the payment options on the card?

Card payments can be made 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 of supplementary cards 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.

What is the value of a point?

1 Cash back Point = 1 AED

How can I redeem my cash back?

Cash back points can be redeemed by calling us on 600 599 995 when there is a minimum of 100 Cashback points on your Card account. Your Cashback points will be credited to your Card account as a statement credit in AED in 2-3 working days post your request has been received.

Do RTA card cashback points expire?

Yes Cashback points have a validity of 2years from the date of earning and if not redeemed within the period will be expired.

Will my cash back earned be cancelled when I cancel my card?

Cashback Plus points that has not been redeemed within 2 years from its earn date or post the cancellation of the Card will be forfeited.

What happens to the cash back points I have earned in the case of a reversal?

In case of a reversal of a transaction, the cash back on the transaction will also be reversed. Savings will be awarded to only actual purchase transactions.

Transactions that do not qualify for cash back?

  • Balance transfer
  • Cash withdrawals
  • Easy Payment plans
  • School Fee Payment Plan installment
  • Cash Advances
  • Fees and Charges
  • Credit Card payments
  • Merchant refunds
  • Any other transaction determined by Emirates Islamic Bank from time to time

Can I convert cash back points from one card to another?

No this cannot be done as rewards redemption can only be done against the card on which the reward points were accrued.





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