Emirates Islamic RTA Card Guide: Features, Fees & Eligibility
The Emirates Islamic RTA Card is a Sharia-compliant credit card with a built-in Nol chip, making it easy to pay for Dubai Metro, buses, trams, and other RTA services while earning everyday rewards. Cardholders can enjoy up to 10% cashback on eligible fuel and RTA transport spending, automatic Nol and Salik top-ups, complimentary Reel Cinemas tickets, and no annual fee. The card is available to eligible UAE residents and citizens aged 21 and above with a minimum monthly salary of AED 10,000.
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What Is the Emirates Islamic RTA Card?
The Emirates Islamic RTA Card is more than just a credit card, it’s a complete travel and commuting solution. It combines the convenience of a credit card with a built-in Nol chip, allowing you to pay for Dubai Metro, buses, trams, and marine transport without carrying a separate card.
Designed for frequent commuters and drivers alike, the card offers cashback on everyday expenses, automatic top-ups for Nol and Salik, and a range of lifestyle benefits.
Key Features of the Emirates Islamic RTA Card
Feature |
What You Get |
|
Integrated Nol Card |
Travel across Dubai Metro, buses, trams, and marine transport using the same card. |
|
Up to 10% Cashback on RTA Spending |
Earn up to AED 75 in cashback each month on eligible RTA transport payments. |
|
Up to 10% Cashback on Fuel |
Receive up to AED 75 cashback per month on qualifying fuel purchases. |
|
2.25% Cashback on International Transactions |
Enjoy unlimited cashback on eligible purchases made outside the UAE. |
|
1.25% Cashback on Local Transactions |
Earn unlimited cashback on eligible domestic spending. |
|
Automatic Salik Recharge |
Your Salik account is automatically topped up when the balance falls below AED 20. |
|
Automatic Nol Recharge |
Your Nol balance is automatically reloaded when it drops below AED 20. |
|
Complimentary Reel Cinemas Tickets |
Access free movie tickets as part of the card's lifestyle rewards. |
|
Emergency Medical & Legal Assistance |
Receive travel support through emergency medical and legal referral services. |
|
Extended Warranty & Purchase Protection |
Get additional protection for eligible purchases and extended warranty coverage. |
|
No Annual Membership Fee |
Enjoy all these benefits without paying an annual card fee. |
Fees and Charges
The Emirates Islamic RTA Card is designed to be cost-effective with no annual fee. However, there are a few charges to be aware of:
Fee Type |
Amount |
|
Annual Membership Fee |
AED 0 (No Annual Fee) |
|
Liability / No Liability Letter |
AED 52.50 |
|
Overlimit Fee |
AED 261.45 |
|
Monthly Paper Statement |
Free |
|
Monthly Duplicate Statement |
AED 26.25 |
Eligibility Criteria for the Emirates Islamic RTA Card
To apply for the Emirates Islamic RTA Card, you must meet the following requirements:
Eligibility Criteria |
Requirement |
|
Minimum Age |
Applicants must be 21 years or older. |
|
Minimum Monthly Salary |
A minimum salary of AED 10,000 is required. |
|
Employment Status |
Open to both salaried employees and self-employed professionals. |
|
Nationality |
Available to UAE nationals as well as eligible expatriate residents. |
Important Cashback Rules
- Minimum Spend Requirement: From 1 March 2025, a minimum retail spend of AED 1,000 per statement cycle is required to earn cashback.
- Minimum Redemption: You need at least 300 Cashback Points to redeem your rewards.
- Reward Validity: Cashback points are valid for two years from the date they are earned.
- Excluded Transactions: Bill payments through Emirates Islamic banking channels (Online Banking, Mobile App, ATM/CDM, and Call Centre) do not earn rewards.
- Cash Advance: Cash advance transactions do not earn rewards.
- Charitable Transactions: Transactions at charitable organisations do not earn rewards.
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How to Apply for the Emirates Islamic RTA Card
Step 1: Check Your Eligibility
Ensure you meet the minimum requirements:
- Age: 21 years or older
- Salary: AED 10,000 or more
- UAE resident (citizen or expatriate)
Step 2: Gather Your Documents
Documents Required for Salaried Individuals
- Valid Emirates ID
- Passport
- Valid UAE Residence Visa (for expatriates)
- Salary Certificate or latest Salary Slip
- Personal Bank Statements for the last 3–6 months
Documents Required for Self-Employed Individuals
- Valid Emirates ID
- Passport
- Valid UAE Residence Visa (for expatriates)
- Valid Trade Licence and Memorandum of Association (MOA)
- Company Bank Statements for the last 3–6 months
Step 3: Apply Online
You can apply through the Emirates Islamic website or mobile banking app. Alternatively, you can apply through comparison platforms like Paisabazaar.
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How to Use the Nol and Salik Auto Top-Up Features
Nol Auto Top-Up
Your Emirates Islamic RTA Card comes with a built-in Nol chip. You can activate automatic top-up so your Nol balance is recharged whenever it falls below AED 20. You can also top up your Nol card through multiple channels, including the Emirates Islamic mobile app and online banking.
Salik Auto Top-Up
The card also offers automatic Salik top-up. When your Salik balance drops below AED 20, the card automatically recharges it. You can choose to top up with AED 50 or adjust the amount as needed.
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FAQ
1. What is the Emirates Islamic RTA Card?
It’s a Sharia-compliant credit card with a built-in Nol card for Dubai public transport, offering up to 10% cashback on fuel and RTA transport payments.
2. Is there an annual fee for the Emirates Islamic RTA Card?
No. The card has no annual fee.
3. What is the minimum salary required for the Emirates Islamic RTA Card?
The minimum salary requirement is AED 10,000.
4. What cashback does the card offer?
- 10% on RTA transport payments (up to AED 75/month)
- 10% on fuel spends (up to AED 75/month)
- 2.25% on international spends
- 1.25% on domestic spends
5. How do I get cashback?
You must spend at least AED 1,000 per statement cycle and redeem your 300+ Cashback Points through online or mobile banking.
6. Does the card have automatic Nol and Salik top-up?
Yes. Nol and Salik auto top-up activate when the balance falls below AED 20.
7. Can I apply for this card if I earn AED 8,000 per month?
No. The minimum salary is AED 10,000.