Emirates Islamic RTA Card: Benefits, Uses & More

Are you ready to transform your daily commute into a rewarding experience? The Emirates Islamic RTA Credit Card is more than just another card; it’s a gateway to convenience and savings for Dubai’s busiest commuters. With unique perks like cashback on fuel and public transport, a Nol chip embedded for hassle-free commuting, and zero annual fees, this card redefines convenience and savings.

Whether you’re a daily commuter or a casual traveler, the card offers unmatched benefits to make every journey smoother, smarter, and more rewarding. Here is what you need to know about the Emirates Islamic RTA Card.

Emirates Islamic RTA Credit Card

The Emirates Islamic RTA Credit Card is a specialized credit card designed for Dubai residents, offering unique benefits for daily commuting and lifestyle needs. Developed in collaboration between Emirates Islamic Bank and the Roads and Transport Authority (RTA), the card combines the advantages of a credit card with the convenience of an RTA Nol card, making it ideal for both public transit users and drivers.

With a built-in Nol chip, the card allows seamless access to Dubai’s Metro, buses, and water taxis, eliminating the need for a separate Nol card. Users can enjoy substantial savings through up to 10% cashback on RTA transit, fuel expenses, and additional categories like international spending and shopping.

Furthermore, as a Shari’a-compliant credit card, it adheres to Islamic banking principles, catering to those seeking interest-free financial products. The Emirates Islamic RTA Card combines affordability, convenience, and rewards, presenting a valuable option for commuters and frequent travelers across Dubai.

Key Benefits of Emirates Islamic RTA Card

The Emirates Islamic RTA Credit Card offers a range of benefits that make it an attractive option for residents of Dubai, especially those who frequently use public transport or drive. Here’s a detailed look at the key benefits that set this card apart:

Cashback Rewards

One of the standout features of the Emirates Islamic RTA Card is its generous cashback program, which allows cardholders to earn rewards on their everyday spending.

Fuel Expenses: Users can enjoy up to 10% cashback on fuel purchases, helping to ease the burden of rising fuel costs. This is particularly beneficial for those with long commutes or frequent road trips.
Public Transportation: Cardholders also receive 10% cashback on payments made for RTA services, including the Metro, buses, and water taxis. This feature encourages the use of public transport, promoting a more sustainable lifestyle while saving money.
International Spending: When traveling abroad or shopping online, users can earn up to 2.25% cashback on international transactions, making it a useful tool for globetrotters and online shoppers.
Shopping Rewards: The card offers up to 1.25% cashback on retail purchases, adding another layer of benefits for everyday shopping, whether at supermarkets or boutique stores.

Spend Categories	Cashback %	Maximum Cashback per month
RTA Transport Payments	10%	AED 75
Fuel Stations	10%	AED 75
International	Up to 2.25%	Unlimited
Domestic (Base Cashback)	Up to 1.25%	Unlimited
Domestic Grocery & Supermarkets	1%	Unlimited
Automobiles & Insurance	0.19%	Unlimited
Education, Telecommunication & Real Estate	0.13%	Unlimited
Quick Service Restaurants (Fast Food Restaurants)	0.31%	Unlimited
Spends in European Economic Area (EEA) countries which includes the United Kingdom	0.56%	Unlimited

Source: Emirates Islamic

Zero Annual Fee

The Emirates Islamic RTA Card boasts a zero annual fee, making it a cost-effective choice for users. Unlike many credit cards that charge annual fees, this card allows customers to enjoy its benefits without any financial commitment. This feature is particularly appealing for those who may not want to incur extra costs while maximizing rewards.

Built-in Nol Chip

The card includes a built-in Nol chip, which integrates the functionalities of a Nol card for public transportation. This means users can effortlessly tap their Emirates Islamic RTA Card to access Dubai's extensive public transport system, including:

Metro Rides: Skip the hassle of purchasing a separate Nol card and simply use this credit card for a smooth journey on the Dubai Metro.
Bus and Water Taxi Services: The Nol chip allows users to pay for bus rides and water taxis, ensuring a seamless travel experience across various modes of transportation in the city.

24/7 Customer Support

Cardholders have access to 24/7 customer support, ensuring that assistance is always available when needed. Whether it’s a query about cashback rewards, reporting a lost card, or any other service-related issue, users can reach out to customer service at any time, providing peace of mind and enhancing the overall customer experience.

Shari’a-Compliant Structure

The Emirates Islamic RTA Card adheres to Shari’a-compliant principles, ensuring that it operates in accordance with Islamic financial guidelines. This feature is particularly important for customers seeking ethical banking options that align with their values. By providing an interest-free credit card solution, the RTA Card serves a diverse customer base looking for Shari’a-compliant financial products.

RTA Benefits of the Emirates Islamic RTA Card

The Emirates Islamic RTA Credit Card is designed to offer a seamless and convenient experience for users navigating Dubai’s transport network. Here are the key RTA benefits associated with the card:

Convenient Nol Top-Up Options

Maintaining a sufficient balance on your Nol Chip is crucial for uninterrupted travel on the RTA transit network and parking meters. The Emirates Islamic RTA Credit Card simplifies this process by providing easy top-up options, ensuring you stay on the move without hassle.

a. Activate the Auto Top-Up Facility

Forget about the frustration of waiting in line at RTA stations or the anxiety of running low on balance with the Auto Top-Up Facility. When the balance on your linked Nol Chip falls to AED 20 or below, the card will automatically recharge your Nol Chip with a pre-selected amount.

Activation: You can activate this feature during the application process or later by calling customer service at 600 599 995. Note that activating this feature will involve issuing a new card, which may incur a replacement fee.
Top-Up Plans: Choose from three plans - AED 50, AED 100, or AED 200. The amount will be deducted from your credit limit, and the top-ups will appear on your monthly statement.
Usage: The Auto Top-Up amount will be reflected on your Nol Chip when you tap the card at RTA Metro gates or at parking meters. Please allow up to 24 hours for the balance to update.
Maximum Balance: The Nol Chip can hold a maximum value of AED 500; therefore, the top-up will only process if the balance allows for it.

b. Manually Top-Up Your Emirates Islamic RTA Credit Card

For those who prefer manual control, topping up your Emirates Islamic RTA Credit Card is also straightforward. You can use various channels to recharge your Nol Chip, including:

Emirates Islamic Channels: ATMs, Cash Deposit Machines (CDMs), Internet Banking, Integrated Voice Recording service (IVR) via customer service, and EI Mobile Banking.
RTA Locations: Access services at ticket offices in Metro stations and select bus stops, ticket vending machines, RTA customer service centers, and authorized retailers like Carrefour and Spinneys.

Using Your Card

The dual functionality of the Emirates Islamic RTA Credit Card allows you to manage both fare payments and typical credit card purchases from a single card. The built-in RTA Nol chip facilitates payments for transit services and parking meters while also enabling purchases and cash withdrawals, providing exceptional convenience.

Card Security

The Emirates Islamic RTA Credit Card ensures secure transactions with a separate Nol Chip and credit card account. This separation means that the two systems are linked only for authorized top-ups, safeguarding your account and funds.

Activate Salik Auto Top-Up Facility

To further enhance your travel experience, you can activate the Salik Auto Top-Up feature. This service automatically replenishes your Salik account linked to the card whenever your balance drops below AED 20.

Activation: Similar to the Nol Chip, you can set this up during your initial application or by contacting customer service later (ensure you have your Salik account number and PIN handy).
Top-Up Plans: Choose between AED 50, AED 100, or AED 200 for your auto top-ups, which will also be charged to your credit limit and reflected on your monthly statement.

Should you wish to cancel either the Auto Top-Up facilities, you can do so by calling the customer service helpline. Please be aware that cancellation may require issuing a new card, and associated fees may apply.

Additional Benefits of Emirates Islamic RTA Card

The Emirates Islamic RTA Credit Card not only offers essential commuting features but also a plethora of additional benefits designed to enhance the cardholder’s experience. Here’s a closer look at these valuable features:

Complimentary Reel Cinemas Movie Tickets

Every month, Emirates Islamic RTA Credit Cardholders can enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets at Reel Cinemas. To qualify, cardholders must make a minimum monthly retail spend of AED 3,000. If the spending requirement isn't met or if the maximum complimentary tickets are exceeded, the regular ticket prices will apply. This offer not only enhances entertainment options but also encourages cardholders to make the most of their card usage.

Emergency Medical and Legal Referral Service

Traveling abroad can present unforeseen challenges, but the Emirates Islamic RTA Credit Card provides peace of mind with emergency medical and legal assistance through SOS International. Services include:

24-hour inquiry services, travel information, and access to interpreters and technicians.
Cardholders must ensure their travel is booked using the Emirates Islamic RTA Credit Card to avail of this benefit. For assistance, users can contact the support numbers provided.

Emergency Cash and Card Replacement

In emergencies, cardholders can access up to US$5,000 in cash advances and 24/7 card replacement services anywhere in the world. This feature is invaluable for travelers who may face unexpected situations. For quick assistance, users can reach the 24-hour Alarm Centre.

Extended Warranty for Purchases

Purchases made with the Emirates Islamic RTA Credit Card automatically qualify for an extended warranty program that doubles the manufacturer's warranty for up to one year after its expiry. This benefit provides added protection and peace of mind for consumers investing in high-value items.

Flexible Payment Options

Emirates Islamic offers a variety of convenient payment options to help cardholders manage their bills easily:

Cheque Payments: Drop off a cheque at designated branches for processing, with payments reflected after clearance.
Exchange Houses: Make cash payments up to AED 35,000 daily at select exchange houses, with funds reflected within 2-3 working days.
Online Payments: Emirates Islamic account holders can pay bills online or set up automatic payments through their online banking services.
Cash Payments: Options include in-branch cash payments and deposits at Cash Deposit Machines without the physical card.

Purchase Protection

With Purchase Protection, cardholders are safeguarded against theft, fire, or accidental damage for items purchased using the Emirates Islamic RTA Credit Card. If any item is lost or damaged within 90 days of purchase, users are covered for up to US$5,000 per incident, with a maximum of US$20,000 annually. To claim, necessary documentation must be submitted within 45 days of the incident.