You can apply for an Emirates Islamic Credit Card even if you do not have an account with us. We offer a variety of credit cards with a range of benefits and rewards
Credit Card Eligibility
To apply for an Emirates Islamic Credit Card, you must be at least 21 years old and meet the eligibility requirement listed below:
- If you’re employed, you need to meet the minimum income requirement for the card. To know more about the minimum income criteria, please click here.
- If you own a business, i.e. self-employed, you can apply for a credit card if your computed income meets the minimum income criteria. To know more, please click here.
- If you’re unemployed or you do not meet the minimum income criteria, you need to open a Fixed Deposit Account with Emirates Islamic which holds the minimum deposit required for the card you’re applying for
If your credit score is low or you have a high debt-burden ratio, your application may be rejected.
- Learn more about Credit Score and how to improve it.
- Know how to calculate your Debt-burden Ratio.
Required Documents
- Original Emirates ID or passport
- Latest salary certificate (for employed customers)
- Trade license (for self-employed customers)
- Bank statement for the last three months
- Security cheque (if applicable)
How to Apply?
Fees and Charges
Depending on the type of Emirates Islamic Credit Card you choose, a joining fee and annual membership fees may apply.
If these fees apply to the card you choose, you’ll be informed at the time of application.
The joining fee is a one-time fee and will be billed to you in your first statement. Annual membership fees will be billed annually in your statement.
Learn more about our Credit Card Fees and Charges.
FAQs
I don’t have an account with Emirates Islamic; can I apply for a Primary and Supplementary Credit Card?
Yes, you can apply if you provide the required documents. Your credit card application will be processed based on your eligibility.
What are the rewards programmes associated with Emirates Islamic Credit Cards?
We offer a range of attractive rewards. Learn more about these rewards by clicking on the rewards programmes below:
- Skywards Miles
- Etihad Guest Miles
- EI SmartMiles & Upoints
- Cashback Points
How long will it take for my credit card application to be processed?
Your credit card application will be processed within 7 to 10 working days. Once your application is accepted, your card will be delivered to you within 3 to 5 working days.
What are the advantages of a credit card?
Credit cards are easier to carry than large amounts of cash. You can use your credit card safely to shop online and anywhere. Most banks will give you free credit for a month as long as you repay your dues on time.
Are there any fees for issuing a credit card?
Some credit cards are free of charge. Depending on the type of card you choose, a joining fee and annual membership fees may apply.
Can I withdraw cash with my credit card?
You can withdraw cash for a small fee at any Emirates Islamic ATM or at more than 780,000 ATMs around the world displaying the VISA logo.
When should I use a Demand Draft as opposed to a cheque?
You can apply for up to 4 supplementary cards for your family members. This way, they can benefit from the discounts on your primary card, while you earn reward points for every dirham spent.
