Emirates Islamic

Emirates Islamic, launched in 2004, is the Islamic banking arm of Emirates NBD (the UAE's largest banking group). Emirates Islamic credit cards combine Shari'a-compliant banking with competitive rewards, giving customers halal credit options without sacrificing benefits. Headquartered in Dubai, Emirates Islamic has quickly become a leading Islamic bank known for innovative, customer-friendly products that adhere to Islamic principles.

Credit Card Strengths

• Halal banking with rewards: All Emirates Islamic cards are fully Shari'a-compliant (no interest charged) yet still offer attractive rewards like air miles and cashback. This means you can enjoy perks similar to conventional cards while keeping your finances halal.
• Airline partnerships: Emirates Islamic stands out for its dual airline tie-ups – offering co-branded cards with both Emirates Skywards and Etihad Guest. Cardholders can earn miles with either airline's loyalty program, a unique benefit among Islamic banks and a boon for frequent flyers.
• Modern convenience: Emirates Islamic is tech-savvy for an Islamic bank. It was among the first to introduce mobile banking apps and contactless payments in the Islamic banking sector. Cardholders enjoy a robust online platform to manage their cards and benefit from various partner discount programs for dining and entertainment.

Who Should Consider Emirates Islamic Cards?

• Muslim consumers (and others) who want a Sharia-compliant credit card – you avoid interest (riba) but still earn valuable rewards like travel miles or cashback.
• Frequent travelers loyal to UAE airlines (Emirates or Etihad) who prefer an Islamic banking option – Emirates Islamic's Skywards and Etihad cards let you accrue airline miles under halal terms.
• Shoppers seeking generous cashback or rewards with relatively low minimum salary requirements (cards available for salaries from around AED 5,000) and the security of a major Islamic bank.

Key Benefits

Emirates Islamic credit cards come with a host of attractive benefits. The bank's flagship Emirates Skywards Infinite card, for example, offers a substantial welcome bonus of Skywards Miles, complimentary airport lounge access for you and a guest, and even fast-track upgrades within Emirates' frequent flyer program – delivering a VIP travel experience. Likewise, the Etihad Guest Platinum card provides a large welcome miles bonus (up to 55,000) and free unlimited lounge access via LoungeKey at airports worldwide. Both of these premium cards also waive annual fees when you meet certain yearly spend targets.

For everyday use, Emirates Islamic offers cashback cards that give flat-rate cashback on all purchases (and extra rebates in categories like groceries and dining), allowing you to save on daily spending under Shari'a-compliant terms. Cardholders also enjoy lifestyle perks: for example, access to The Entertainer app's "buy one, get one free" deals on dining and leisure, plus periodic special promotions during festive seasons. Despite the traditional framework, Emirates Islamic keeps pace with technology – the mobile banking app lets you track spending, redeem rewards, and pay your bills conveniently.

In summary, Emirates Islamic credit cards are an excellent choice for those who want robust travel or cashback rewards in a fully Islamic format. You can earn miles or cashback and enjoy premium perks while having peace of mind that your credit card abides by your faith. Compare Emirates Islamic cards to find the ideal halal credit card for your needs.