Credit Cards

All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

Emirates Islamic Expo Credit Card


Monthly Profit Rate 3.49%
Annual Membership Fee (in AED) AED 0

Emirates Islamic Etihad Guest Cards


Card Type Platinum Ameera Saqer Premium
(Sign up offer – 25,000 Etihad Guest Miles)
Premium
(Sign up offer – 55,000 Etihad Guest Miles)
Monthly Profit Rate 3.49% 3.49% 3.49% 3.49% 3.49%
Annual Membership Fee (in AED) 208.95 733.95 943.95 1,575 2,625

Emirates Islamic Skywards Cards - Profit Based


Card Type Signature Infinite Black
Monthly Profit Rate 3.49% 3.49% 3.25%
Annual Membership Fee (in AED)
- Primary Card
- Supplementary Card (with Skywards Gold Membership)

735
NA

2,100
NA

4,200
4,200

Emirates Islamic Skywards Credit Cards - Fee Based


Credit limit range <=8,000 8,001-13,000 13,001-16,000 16,001-25,000 25,001-37,500 37,501-62,500 62,501-100,000 100,001-150,000 >150,000
Monthly Fee (in AED) 250 375 450 625 875 1,350 1,900 2,800 4,500

Gold Platinum Infinite
Annual fee (in AED) 420 735 2,100

Emirates Islamic Business Card


Monthly profit rate 3.25%
Annual Membership Fee (in AED) No Annual Membership Fee
Cash Advance Fee* 3.15% of cash advance amount or AED 103.95 whichever is higher
Maximum Cash Advance in a transaction AED 10,000
*Billed Profit amount will apply and will be calculated daily based on your Credit Card’s respective monthly profit rate.

Emirates Islamic RTA Credit Cards - Fee Based


Credit limit range <=8,000 8,001-13,000 13,001-16,000 16,001-25,000 25,001-37,500 37,501-62,500 62,501-100,000 100,001-150,000 >150,000
Monthly Fee (in AED) 225 325 500 575 850 1,200 1,600 1,600 1,600

Emirates Islamic RTA Credit Cards - Profit Based


Monthly profit rate 3.49%
Annual Membership Fee (in AED) No Annual Membership Fee

Emirates Islamic Rewards Credit Cards


Credit limit range <=8,000 8,001-13,000 13,001-16,000 16,001-25,000 25,001-37,500 37,501-62,500 62,501-100,000 100,001-150,000 >150,000
Monthly Fee (in AED) 225 325 500 575 850 1,200 1,600 1,600 1,600

Classic Gold Platinum Infinite
Annual fee (in AED) 210* 210* 210* 210*

*Free, subject to a minimum annual spend of AED 5,000



Emirates Islamic Abu Dhabi Rewards Credit Cards


Credit limit range <=8,000 8,001-13,000 13,001-16,000 16,001-25,000 25,001-37,500 37,501-62,500 62,501-100,000 100,001-150,000 >150,000
Monthly Fee (in AED) 225 325 500 575 850 1,200 1,600 1,600 1,600

Classic Gold Platinum Infinite
Annual fee (in AED) 210* 210* 210* 210*

*Free, subject to a minimum annual spend of AED 5,000




Emirates Islamic Cashback Credit Card


Monthly profit rate 3.49%
Annual Membership Fee (in AED) 367.50

Emirates Islamic Emarati Credit Card


Monthly profit rate 3.39%
Annual Membership Fee (in AED) No Annual Membership Fee

Emirates Islamic Cashback Plus Credit Card


Monthly profit rate 3.49%
Annual Membership Fee (in AED) 313.95

Emirates Islamic Easy Credit Cards


Monthly profit rate 3.50%
Annual Membership Fee (in AED) No Annual Membership Fee


Emirates Islamic Union Coop Tamayaz Credit Cards


Monthly profit rate 3.49%
Annual Membership Fee (in AED) No Annual Membership Fee


Emirates Islamic Flex Cards


Monthly profit rate Annual Membership Fee (in AED)
Flex 3.49% No Fee
Flex Elite 3.49% 735


Other Fees and Charges for Credit Cards



Charges (in AED) Frequency
Minimum amount due monthly 5% of outstanding and all fees and charges per month
Payment due date from statement date 25 -
Maximum cash advance per transaction 10,000 or 50% of the card limit whichever is lower per transaction
Transaction slip retrieval 52.50 per request
Duplicate Statement Copy
(per monthly statement)
26.25 per monthly statement
Statement over 3 months old
(per monthly statement)
47.25 per monthly statement
Cash advance charges1 3.15% of cash advance amount or AED 103.95 whichever is higher Per transaction
Supplementary Card Fee Free2 (One-time joining fee of AED 525 will be charged for Skywards Black Metal Supplementary cards only) per request
Replacement Card Fee Skywards Black Card - AED 420
Emirati Credit Card – AED 210
All other Credit Cards – AED 78.75
per request
Late payment Fee3 131.25 -
Direct Debit Return Fee 105 per instance
Liability/No liability letter 52.50 per request
Foreign currency transaction in non-UAE dirhams4 2.34% (1.84% Emarati Card & Skywards Black Card)
Per transaction
Credit Shield 1.04% of outstanding amount per month
Foreign currency transaction in UAE dirhams5 1.99% per transaction
Over limit Fee 261.45 per instance
Paper Statement (monthly) No Fee -
Email Statement (monthly) No Fee -
1Cash advance charges will apply on transaction made at merchant categorized by VISA / MasterCard as non-financial institution such as cryptocurrency, Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card Purchase/Load, and Travelers Cheques.
2Up to 4 free supplementary cards
3The bank shall pay any such amounts on behalf of the customer to a charity approved by the bank's Internal Shariah Committee, after deducting the actual expenses incurred due to customer's delay or default in making the due payment(s).
4This fee is charged on all foreign currency transactions on the Credit Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE (approximately 1.15%).
5This fee is charged on AED transactions where the merchant country is outside UAE in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.

Cash on Call/ Balance Transfer/Balance Conversion/Easy Payment Plan


Monthly profit rate Upto 3.50%
Early settlement Fee (in AED) 157.50
Processing fee Upto 3.68% of the transaction amount


Emirates Islamic Corporate Credit Cards


Card Type Monthly profit rate Annual Membership Fee (in AED)
Corporate Credit Card 1.99% 0
Corporate Executive Credit Card 1.99% 0
Corporate Purchasing Credit Card 1.99% 0
Corporate Virtual Credit Card 1.99% 0
Other Fees and Charges Frequency
Minimum Amount Due Monthly 100% of outstanding and all fees and charges -
Transaction Slip Retrieval AED 52.50 per request
Duplicate Statement Copy (per monthly statement) AED 26.25 per monthly statement
Duplicate Statements Over 3 Months Old (per monthly statement) AED 47.25 per monthly statement
Replacement Card Fee AED 78.75 per request
Late payment fee **** AED 131.25 per instance
Direct Debit Return Fee AED 105 per instance
Foreign currency transaction in non-UAE dirhams 2.75% of Transaction Amount per transaction
Foreign currency transaction in UAE dirhams***** 1.99% of Transaction Amount per transaction
Paper Statement (monthly) Nil -
Email Statement (monthly) Nil -
*This amount will be transferred to charity.
****The bank shall pay any such amounts on behalf of the customer to a charity approved by the bank's Internal Shariah Committee, after deducting the actual expenses incurred due to customer's delay or default in making the due payment(s).
*****This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa or Diners Club and mark-up fee charged by acquirer, if any.
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).


Prepaid Cards


Charges (in AED) Frequency
Top Up Fee - First Time
(Only applicable if the first load on the card is performed at the teller counter)
26.25 one-time
Top Up Fee - Subsequent No Fee -
Balance Transfer Fee1 No Fee -
Monthly Inactivity Fee 2
(after 6 months of inactivity)
5.25 per month per month
Cash Withdrawal Fee on EIB ATMs in UAE No Fee -
Cash Withdrawal Fee on other ATMs in UAE 2.1 per transaction
Foreign currency transaction in non-UAE dirhams3 2% of transaction amount per transaction
Foreign currency transaction in UAE dirhams4 1.99% per transaction
Balance Unload Fee 5 15.75 per request
Maximum Daily Transaction Limit6 40,000 -
Maximum Daily Cash Withdrawal Limit6 5,000 -
Maximum Balance on the Card 40,000 -



Notes:
1Balance transfer from one Prepaid Card to another
2Card with no balance for six months will be closed
3This fee is charged on all foreign currency transactions on the Prepaid Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE (approximately 1.15%).
4This fee is charged for transactions where customers may sometimes be offered the option to settle foreign currency transaction in UAE dirhams at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the Bank (card issuer). This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.
5For withdrawing of remaining balance after closure of the Card
6This limit is applied separately for international and local transactions for your convenience
All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).
Profit rates are levied on all transaction types (Retail Purchases / Cash Advance), calculated from transaction date till repayment date (calculated based on average daily balance).