- Annual fee
- Free for life
- Minimum monthly salary
- Not published
- Welcome bonus
- AED 1,000 cashback when you spend AED 15,000 within 60 days.
No annual fee
Emirates Islamic doesn't publish a minimum salary for this card
Our take
A free-for-life SmartMiles card for UAE nationals with AED 1,000 welcome cashback.
Good for
Emirati customers.
Watch out for
UAE nationals only.
Written by the MoneyVS team from Emirates Islamic's published terms. Not personal advice.
What you need
| Minimum salary | Not published by the bank |
|---|---|
| Who can apply | UAE nationals only |
| Welcome bonus | AED 1,000 cashbackSpend AED 15,000 within 60 days (about AED 7,500 a month) |
| Perk spend rule | Valet and other offers (AED 7,500 from 1 Mar 2026)AED 7,500 card spend that month |
Taken from Emirates Islamic's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
What you earn
- Up to 3.75 EI SmartMiles per AED on foreign currency spend
- Up to 2.5 per AED on local spend
- 10,000 EI SmartMiles = 1,000 Skywards Miles or 1,500 Etihad Guest Miles
Included benefits
- Airport lounges
- Valet parking
- Cinema offers
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
Emirates Islamic Emarati: common questions
What salary do I need for the Emirates Islamic Emarati?
Emirates Islamic doesn't publish a minimum salary for this card. Check with the bank before you apply.
Does the Emirates Islamic Emarati have an annual fee?
No. The bank says it is free for life.
How do I get the Emirates Islamic Emarati welcome bonus?
AED 1,000 cashback: spend AED 15,000 within 60 days.
Who can apply for the Emirates Islamic Emarati?
UAE nationals only.
Is the Emirates Islamic Emarati Islamic?
Yes. It is a Shariah-compliant (covered) card.
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