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Rewards Mechanism

  • Up to 3.75 El Smart Miles on international spends.
  • Upto 2.5 El Smart Miles on domestic spends.

Why We Choose It

  • No annual fee.
  • EI SMART MILES rewards program is very rewarding for the Emirati traveler.
  • Unique set of benefits like Padel clubs and Ladies clubs access.
  • Exclusive Metal Card designed for Emaratis.
  • Shariah Compliant Credit card.

Welcoming Gift/Bonus

Apply for Emirates Islamic Emarati Credit Card and you get up to 100,000 EI SmartMiles worth AED 1,000 when you spend AED 30,000 within 60 days of card activation.

Annual Fee (inclusive of Vat)

Free for Life credit card

Minimum Salary Requirement

AED 12,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.59%

Rewards program

  • El SmartMiles rewards program.
Reward Mechanism:
  • Up to 3.75 El Smart Miles on international spends.
  • Upto 2.5 El Smart Miles on domestic spends.

Redeem points:

You can exchange your EI SmartMiles for a range of partner loyalty programs. Additionally, utilize the “Instant Purchase” feature to redeem EI Miles for global purchases, with a statement credit applied within 5 days. The gifting option is also available for sharing your miles with others.

Key benefits

  • Complementary Airport Lounge Access for one person.
  • Global Concierge.
  • Travel Insurance.
  • Visa Luxury Hotel Collection.

Other benefits

  • 50% off your food orders twice a month on the Talabat app.
  • Complimentary Roxy Cinemas Ticket twice a month.
  • Access to Dubai Ladies Club & Sharjah Ladies Club.
  • Enjoy 15% off on Emaar Entertainment Attractions.
  • Meet & Greet Silver Service.
  • Two Valet Parking per month.

Why We Choose It

  • No annual fee.
  • EI SMART MILES rewards program is very rewarding for the Emirati traveler.
  • Unique set of benefits like Padel clubs and Ladies clubs access.
  • Exclusive Metal Card designed for Emaratis.
  • Shariah Compliant Credit card.

What We Did Not Like

  • This Visa Signature card offers Signature-level benefits, which may not be as appealing to holders of typical Infinite cards.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.