Emarati Card

Unlimited complimentary access to 1,200+ airport lounges worldwide via Visa Airport Companion Mobile App with minimum foreign currency spend requirement for subsequent visits

How often

Yearly

How to use it

Activate in the bank's app — Access airport lounges exclusively via the new Visa Airport Companion Mobile App.

Caps and limits

First visit per calendar year complimentary. Subsequent visits require minimum foreign currency spend of USD 1 or equivalent on both primary & supplementary cards at least 15 days before visit. Guests charged USD 32 per person per visit.

Exclusions

If foreign currency spend criteria not met, charged USD 32 per card usage. Accompanying guests charged USD 32 per person per visit.

Where

All emirates, International

“Relax with unlimited complimentary access to 1,200+ airport lounges worldwide.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Up to two complimentary Marhaba Meet & Greet airport services per year with minimum monthly spend requirement

How often

2 uses a year

How to use it

Redeem on a website — Click link to book Marhaba Meet & Greet service. Cardholder must maintain minimum monthly spend of AED 5,000.

Caps and limits

2 complimentary services yearly. AED 5,000 monthly spend required.

Exclusions

If spend criteria not met or maximum complimentary service usage exceeded, credit card will be billed with applicable service fee.

Where

Dubai, Abu Dhabi

“Enjoy up to two complimentary Marhaba Meet & Greet services per year.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

No annual membership fee charged on the Emarati Credit Card

How often

Yearly

How to use it

Applied automatically

Where

All emirates

“No Annual Membership Fee. Competitive profit rate of 3.59%.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Earn up to 2.50 EI SmartMiles for every AED 1 spent on domestic purchases

How often

Always on

How to use it

Activate in the bank's app — View and choose redemption options from EI + Mobile Banking app. Navigate to Emarati card in Cards Section, select EI SmartMiles Balance, click Redeem.

Where

All emirates

“Domestic Spend-Up to 2.50 EI SmartMiles per AED 1”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Earn up to 3.75 EI SmartMiles for every AED 1 spent on international purchases

How often

Always on

How to use it

Activate in the bank's app — View and choose redemption options from EI + Mobile Banking app. Navigate to Emarati card in Cards Section, select EI SmartMiles Balance, click Redeem.

Where

All emirates

“Up to 3.75 EI SmartMiles per AED 1 dynamic_feed Domestic Spend-Up to 2.50”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Buy one and get one complimentary movie ticket twice a month up to Director's Box & Platinum tiers, with 20% discount on food and beverages

How often

2 uses a month

How to use it

Voucher code — Present card at Roxy Cinemas box office to claim BOGO offer. Complimentary tickets up to Director's Box & Platinum tiers available.

Caps and limits

Twice a month, buy one and get one complimentary up to Director's Box & Platinum tiers. 20% discount on food and beverages. Minimum monthly spend of AED 5,000 required.

Exclusions

If spend criteria not met or ticket limits exceeded, the availed discount will be billed to card.

Where

Dubai, Sharjah, Abu Dhabi, Ajman, Ras Al Khaimah, Fujairah, Umm Al Quwain

“Twice a month, you can buy one and get one complimentary movie ticket up to the Director's Box & Platinum tiers”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Receive 50% discount on food orders twice a month through talabat app with maximum discount of AED 20 per order

How often

2 uses a month

How to use it

Activate in the bank's app — Use promo code EMR50 before checkout in talabat app. Discount will not be available when using Apple Pay or Samsung Wallet.

Caps and limits

Maximum discount of AED 20 per order with no minimum spend required. Not available with Apple Pay or Samsung Wallet.

Exclusions

Not available when using Apple Pay or Samsung Wallet

Where

All emirates

“Get 50% off your food orders twice a month through the talabat app. Use promo code "EMR50" before checkout.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Exclusive privileges at 900+ luxury hotels and resorts worldwide including best available rate, room upgrade, breakfast, Wi-Fi, 3pm check-out, VIP status and USD 25 voucher

How often

Per event

How to use it

Redeem on a website — Visit visaluxuryhotels.com to book and access elite perks at participating luxury hotels.

Caps and limits

Applies to 900+ luxury hotels and resorts worldwide.

Where

All emirates, International

“Enjoy elite perks at 900+ luxury hotels and resorts worldwide.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

24/7 travel and lifestyle support with phone and online hotlines for flight, hotel, restaurant reservations and more worldwide

How often

Always on

How to use it

Call the concierge line — Call toll-free: UAE 800 0441 3487, International +971 4361 1234 or +1 773 360 5320. Email: concierge@visasignature-mea.com

Where

All emirates, International

“24/7 travel and lifestyle support. Concierge hotlines are available to cardholders 24 hours a day”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty on eligible items

How often

Always on

How to use it

Applied automatically — Coverage applies automatically to eligible purchases. Contact insurance provider at www.insurancecemea.com/home for details.

Caps and limits

Up to +1 year coverage extension on manufacturer's warranty.

Where

All emirates

“We automatically extend the manufacturer's warranty by up to one year.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Protection against theft or accidental damage for eligible items purchased with the Emarati Credit Card

How often

Always on

How to use it

Applied automatically — Coverage applies automatically to eligible purchases. For details visit www.insurancecemea.com/home.

Where

All emirates

“Protection against theft or accidental damage for eligible items.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Complimentary access to Sharjah Ladies Club with beach, pool, and gym access including outdoor activities and wellness zones

How often

Monthly

How to use it

Applied automatically — Click link to book access. Cardholder must maintain minimum monthly retail spend of AED 5,000.

Caps and limits

Complimentary access with minimum monthly retail spend of AED 5,000 required.

Exclusions

If spend criteria not met, applicable service fee will be charged.

Where

Sharjah

“Get complimentary access to Sharjah Ladies Club and experience a world of comfort with beach, pool, and gym access”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Travel accident and inconvenience takaful coverage for trips up to 90 days when card is used to pay for travel

How often

Per event

How to use it

Applied automatically — Automatic coverage when travel is paid with Emarati Visa Signature Credit Card. Obtain takaful certificate at www.insurancecemea.com/home.

Caps and limits

Coverage for trips up to 90 days long.

Where

All emirates, International

“Travel accident and inconvenience takaful for trips up to 90 days.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026

Enjoy 2 complimentary valet parking services each month at designated locations throughout the UAE with minimum monthly spend requirement

How often

2 uses a month

How to use it

Applied automatically — Present Emirates Islamic Emarati credit card at valet parking desk at designated locations.

Caps and limits

2 complimentary services each month. Minimum monthly retail spend of AED 5,000 required (AED 7,500 effective 01 March 2026).

Exclusions

If spend criteria not met or maximum complimentary services exceeded, actual service amount will be charged to card.

Where

Dubai, Sharjah, Ajman, Ras Al Khaimah, Fujairah, Umm Al Quwain

“Enjoy 2 complimentary valet parking services each month at designated locations throughout the UAE.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/emarati-card · Last checked 24 Aug 2026