Credit Cards

Emirates Islamic Etihad Guest Cards


Card Type Premium
(Sign up offer – 55,000 Etihad Guest Miles)
Premium
(Sign up offer – 25,000 Etihad Guest Miles)
Saqer Ameera Platinum
Monthly Profit Rate 3.49% 3.49% 3.49% 3.49% 3.49%
Annual Membership Fee 2500 1500 899 699 199

Emirates Islamic Skywards Cards - Profit Based


Card Type Black Infinite Signature
Monthly Profit Rate 3.25% 3.09% 3.25%
Annual Membership Fee
- Primary Card
- Supplementary Card (with Skywards Gold Membership)

4000
4000

2000
NA

700
NA

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 250 375 450 625 875 1350 1900 2800 4500

Gold Platinum Infinite
Annual fee 400 700 2000

Emirates Islamic Business Card


Monthly profit rate 3.25%
Annual Membership Fee Free for life
Cash Advance Fee 3% or minimum AED 99
Maximum Cash Advance in a transaction AED 10,000

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 225 325 500 575 850 1200 1600 1600 1600

Emirates Islamic RTA Credit Cards - Profit Based


Monthly profit rate 3.49%
Annual Membership Fee Free for life

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 225 325 500 575 850 1200 1600 1600 1600

Classic Gold Platinum Infinite
Annual fee 200* 200* 200* 200*

*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 225 325 500 575 850 1200 1600 1600 1600

Classic Gold Platinum Infinite
Annual fee 200* 200* 200* 200*

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




Emirates Islamic Cashback Credit Card


Monthly profit rate 3.49%
Annual Membership Fee 350*

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


Emirates Islamic Emarati Credit Card


Monthly profit rate 2.99%
Annual Membership Fee Free for life

Emirates Islamic Cashback Plus Credit Card


Monthly profit rate 3.49%
Annual Membership Fee 299

Emirates Islamic Easy Credit Cards


Monthly profit rate 3.50%
Annual Membership Fee Free for life


Emirates Islamic Union Coop Tamayaz Credit Cards


Monthly profit rate 3.49%
Annual Membership Fee Free for life


Emirates Islamic Flex Cards


Monthly profit rate Annual Membership Fee
Flex 3.49% Free
Flex Elite 3.49% 700


Other Fees and Charges for Credit Cards


In AED
Minimum amount due monthly 5% of outstanding and all fees and charges
Payment due date from statement date 25
Maximum cash advance per transaction 10,000 or 50% of the card limit whichever is lower
Transaction slip retrieval 50
Duplicate Statement Copy
(per monthly statement)
25
Statement over 3 months old
(per monthly statement)
45
Cash advance charges 3% of cash advance amount or AED 99 whichever is higher
Supplementary Card Fee Free* (One-time issuance fee of AED 500 will be charged for Skywards Black Metal Supplementary cards only)
Replacement Card Fee Free ( For Skywards Black Card : AED 300 will be charged )
Obligated amount to charity (late payment fee) 225
Cheque & Direct Debit Return 100
Liability/No liability letter 50
Forex Charges 2.34%** (1.84%** Emarati Card & Skywards Black Card)
Credit Shield 0.99% of outstanding amount
Overseas transaction in UAE Dirhams 1.99%
Over limit Fee 249
Paper Statement (monthly) 10 (No Charge for Priority customers)
Email Statement (monthly) Free
*Up to 4 free supplementary cards
**This fee is charged in addition to the standard processing fee charged by MasterCard International or Visa International and is applicable to transactions performed outside UAE(approximately 1.15%)

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


Monthly profit rate Upto 3.50%
Early settlement Fee 150
Processing fee Upto 3.50% of the transaction amount


Emirates Islamic Corporate Credit Cards


Card Type Monthly profit rate Annual Membership Fee
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
Minimum Amount Due Monthly 100% of outstanding and all fees and charges
Transaction Slip Retrieval AED 50
Duplicate Statement Copy (per monthly statement) AED 25
Duplicate Statements Over 3 Months Old (per monthly statement) AED 45
Replacement Card Fee Nil
Obligated amount to charity (late payment fee)* AED 225*
Cheque and Direct Debit Return Fee AED 100
Forex Charges 2.75% of Transaction Amount
Overseas Transaction in AED 1.99% of Transaction Amount
Paper Statement (monthly) Nil
Email Statement (monthly) Nil
*This amount will be transferred to charity.
All charges, commissions and fees are exclusive of Value Added Tax or any other similar sales tax (VAT). If VAT is applicable, it will be chargeable and payable in addition to, and at the same time as, the above mentioned charges.


Prepaid Cards


In AED
Top Up Fee - First Time
(Only applicable if the first load on the card is performed at the teller counter)
25
Top Up Fee - Subsequent Free
Card Replacement Fee 25
Balance Transfer Fee* Free
Monthly Inactivity Fee **
(after 6 months of inactivity)
5 per month
Cash Withdrawal Fee on EIB ATMs in UAE Free
Cash Withdrawal Fee on other ATMs in UAE 2
Forex Fee 2% of transaction amount*****
Balance Unload Fee *** 15
Maximum Daily Transaction Limit**** 40,000
Maximum Daily Cash Withdrawal Limit**** 5,000
Maximum Balance on the Card 40,000



Notes:
* Balance transfer from one Prepaid Card to another
** Card with no balance for six months will be closed
*** For withdrawing of remaining balance after closure of the Card
**** This limit is applied separately for international and local transactions for your convenience
***** This fee is charged in addition to the standard processing fee charged by MasterCard International or Visa International and is applicable to transactions performed outside UAE(approximately 1.15%)
******All charges, commissions and fees are exclusive of Value Added Tax or any other similar sales tax (VAT).