Route spending through Metro, bus, taxi, RTA parking payments.
Earn Up to 10% here — 10.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Fuel
EMIRATES ISLAMIC · EMIRATES ISLAMIC RTA CREDIT CARD
Emirates Islamic RTA Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹23,025 for a mid spender · travel
EMIRATES ISLAMIC
Updated 2025-01-28 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Emirates Islamic's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY UAE PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹23,025 first-year net value · mid spender · travel
Category rewards ₹23,025
Net first-year value ₹23,025
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.25% back on eligible spends 1.25 pts 1.25 points per د.إ100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 10.0% back
Metro, bus, taxi, RTA parking payments Up to 10% · 10.0%
Petrol stations and fuel purchases Up to 10% · 10.0%
All international transactions Up to 2.25% · 2.3%
Everything else (base) · 1.3%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Emirates Islamic tweaks the program.
Don't sleep on Petrol stations and fuel purchases.
The second tier earns Up to 10% (10.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.0%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified 2025-01-28. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.