Emirates Islamic RTA Platinum Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
Dirham Score 3.1/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 0
- Bank FX charge
- 2.54%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
Base earning: 1.25 % cashback.
Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 1 % cashback | Shared/general conditions | 0 |
| School Fees | 0.13 % cashback | Shared/general conditions | 0 |
| Utilities | 0 % cashback | Shared/general conditions | 0 |
| Fuel | 10 % cashback | AED 75 | 0 |
| International Spend | 2.25 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 1,883 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Emirates Islamic RTA Platinum Credit Card
Dirham Score 3.1/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,883.4
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,883.4
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
Calculation assumptionsRewards, fees & important conditions
Reel Buy 1 Get 1 tickets subject to AED 3,000 monthly retail spend, eligible formats and current booking terms. · No complimentary access verified
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.
Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.
General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.
Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.
FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate.
Official bank source · checked 2026-10-18VAT-inclusive card schedule of charges
Official catalogue: salary and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified
- Cinema: Reel Buy 1 Get 1 tickets subject to AED 3,000 monthly retail spend, eligible formats and current booking terms.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.
- Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.
- General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.
- Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.
- FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate.
Official bank sources and application information
- Emirates Islamic RTA Platinum Credit Card official product terms
- Emirates Islamic: Official product page
- Emirates Islamic: VAT-inclusive card schedule of charges
- Emirates Islamic: Official catalogue: salary and artwork
- Emirates Islamic RTA Platinum Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.