Reward Benefits

Enjoy up to 10% Cashback

Spend Categories Cashback Maximum Cashback

% per month

RTA Transport
10% AED 100
Payments

Fuel Stations 10% AED 100

Up to
International Unlimited
2.25%
 Spend Categories Cashback Maximum Cashback
% per month

Domestic (Base Up to
Unlimited
Cashback*) 1.25%

 *Effective July 01, 2019, retail spends made under category "Grocery / Supermarkets" will
earn 80% of the Base Cashback points.
 *Effective July 01, 2019, retail spends made under category Automobiles & Insurance will
earn 15% of Base Cashback Points and retail spends made under the category Education,
Telecommunication and Real Estate will earn 10% of Base Cashback Points.
 Effective July 01, 2019, Cashback on all domestic and international transactions includes
non-government spends only.
 Effective July 01, 2019, to redeem your cashback points you must have a minimum of 300
cashback points.
 Effective February 01 2020, retail spends made under category "Quick Service Restaurants
(fast food restaurants)" will earn 25% of the Base Cashback Points.
 Effective February 01 2020, retail international spends originating in "European Economic
Area (EEA) countries" will earn 25% of the International Cashback Points.
 Your cashback rewards are calculated each month based on your monthly spend and have a
validity of two years.
 In any given month, a Card member shall only be entitled to earn Cashback points for
transactions carried out up to the extent of the assigned Credit Limit on the Card.
Transactions exceeding the assigned Credit Limit shall not be entitled to earn Cashback
Points during that month.
 Emirates Islamic is not responsible if a transaction does not get captured under the
appropriate merchant category.
Cashback Redemption

Redeem your cashback points within seconds through Online Banking or through our Mobile
Banking app.
All you need to do is follow the steps below:

 Log in to your Emirates Islamic account through Online Banking or Mobile Banking
 Click on 'Cards'
 Tap on 'Rewards'
 Select 'Redemption' and submit your request.

RTA Benefits
Nol Top up

The Nol Chip balance will reduce with regular usage at Parking Meters or on the RTA transit
network. Your Card comes with convenient topup options to recharge your linked Nol Chip.
a. Activate the Auto top-up facility

Now there is no need to queue up at RTA stations or even remember to make a payment
towards recharging your Nol Chip. Simply, activate the Auto top-up facility on your Emirates
Islamic RTA Credit Cards.

 The Auto top-up facility recharges your Nol Chip linked to the Card, with the specified
amount, every time it reduces to a threshold of AED 20 for the Platinum Card.
 Auto top-up is initiated for the amount as specified by you at the time of application.
 In case you have not requested for Auto top-up at the time of application and you wish to
enable Auto top up, please call us on 600 599 995 and we will help you activate the facility.
Please note that a new card will be issued and a replacement fee will be applicable as per
the Schedule of Charges.
Auto top-up plans
You may choose the Auto top-up amount from any of the below plans:

 Plan 1: AED 50
 Plan 2: AED 100
 Plan 3: AED 200
The Auto top-up option will take the payment from your Credit card, therefore your credit limit is
utilized. All Auto top-ups are included in your monthly Credit Card statement.

Important

 The Auto top-up amount reflects on the Nol Chip on either tapping the Card at the RTA Metro
gate or inserting the Card in any of the Parking Meters.
 After the Auto top-up is initiated, it could take up to 24 hours for the balance to reflect on your
Nol Chip.
 RTA allows a maximum stored value of AED 500 on the Nol Chip. The top-up amount
reflects in the Nol balance only if the limit can accommodate the top-up amount, else it is
placed on hold until the Nol limit gets released.
Auto top up cancellation
You may call our customer service helpline on 600 599 995 or visit any of the RTA ticket offices
(at Metro Stations to request for cancellation of Auto top-up facility on your Card. Your Card will
be replaced with a new Card and a replacement fee will be applicable as stated in Emirates
Islamic Service and Price Guide.

b. Use any of the Manual top-up channels

You may also top-up your Emirates Islamic RTA Credit Card manually. This can be conveniently
done through any of the following channels:

Emirates Islamic channels

 Automated Teller Machines (ATMs)

 Cash Deposit Machines (CDMs)
 Internet Banking
 Integrated Voice Recording service (IVR) on Customer Service helpline
 EI Mobile Banking
RTA Locations
 Ticket Offices (at Metro stations or select Bus stations)
 Ticket Vending Machines (at Metro Stations and Bus Stops)
 RTA Customer Service Centres
 RTA Authorised Sales Agents (e.g. Carrefour, Spinneys, Waitrose, Redha Al Ansari, Geant,
EPPCO, ENOC)
Please visit www.rta.ae for the latest list of locations.

Using Your Card

You can use your Emirates Islamic RTA Credit Card like the RTA Nol Card (for making fare
payments on the RTA transit network and Parking Meters), as well as a Credit Card (for making
purchases and cash withdrawals). The Nol Tag ID stored on the Nol chip in the card and the
Credit Card account are separate but available on the same Card, giving you the convenience of
carrying a single Card.

Security on your card

The "Nol Chip" and "Credit Card Account" on your Card are separate. They are securely linked
for top-ups only as authorised by you.

Activate Salik Auto top up facility

Your Emirates Islamic RTA Credit Card provides the most convenient option for Salik Auto top
up. By activating the facility, you do not have to remember to recharge your Salik account when
the SMSs start rolling in during your drive.

 The Salik Auto top-up option recharges your Salik account linked to the Card, with the
specified amount, every time it reduces to a threshold of AED 20.
 Auto top-up is initiated for the amount as specified by you at the time of application.
 In case you have not requested for Auto top-up at the time of application but would like to do
so, please call us on 600 599 995 and we will help you activate the facility. Please ensure
you have your Salik account number and PIN handy when you call us.
 Please note that only one Salik account can be linked to the Emirates Islamic RTA Credit
Card. You can activate Salik Auto top-up on your Supplementary Card/s also.
Salik Auto top up plans

You may choose Auto top up amount from any of the below plans:

 Plan 1: AED 50
 Plan 2: AED 100
 Plan 3: AED 200
The Auto top-up option will take the payment from your Credit card, therefore your credit limit is
utilized. All Auto top-ups are included in your monthly Credit Card statement.

Auto top-up cancellation

You may call us on 600 599 995 at any time to request cancellation of Salik Auto top-up facility
on your Card.