RTA Covered Card

Access up to USD 5,000 in emergency cash advance and 24/7 card replacement services worldwide for unforeseen circumstances

How often

Per event

How to use it

Call the concierge line — Contact 24-hour Alarm Centre at 0800 121 866 654 0112 (UAE) or +1 410 581 9994 (international) for assistance

Caps and limits

Up to USD 5,000 emergency cash advance available

Where

All emirates

“Stay prepared for unforeseen circumstances with up to USD 5,000 in emergency cash advance”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Earn 10% cashback on RTA transport payments made at ticket offices, vending machines, customer service centres and authorized sales agents with a maximum of AED 75 per month

How often

Monthly

How to use it

Activate in the bank's app — Log in to Emirates Islamic account via Online Banking or Mobile Banking app, go to Cards section, click Rewards, choose Redemption and submit request

Caps and limits

Maximum cashback per month AED 75. Minimum monthly retail spend of AED 1,000 required effective 1 March 2025

Exclusions

Payments through RTA website or mobile application to recharge NOL card or Salik account are considered smart government transactions and are not eligible for rewards

Where

Dubai

“RTA Transport Payments 10% AED 75 Fuel Stations 10% AED 75”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Earn 1.25% cashback on domestic spending with unlimited earning potential

How often

Always on

How to use it

Activate in the bank's app — Log in to Emirates Islamic account via Online Banking or Mobile Banking app, go to Cards section, click Rewards, choose Redemption and submit request

Caps and limits

Unlimited. Minimum monthly retail spend of AED 1,000 required effective 1 March 2025 to earn any cashback

Exclusions

Non-government spends only. Transactions at charitable organizations, bill payments via Emirates Islamic channels, cash advances and non-retail transactions

Where

All emirates

“Domestic Spends 1.25% Unlimited European Economic Area”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Earn 2.25% cashback on international spending with unlimited earning potential

How often

Always on

How to use it

Activate in the bank's app — Log in to Emirates Islamic account via Online Banking or Mobile Banking app, go to Cards section, click Rewards, choose Redemption and submit request

Caps and limits

Unlimited. Minimum monthly retail spend of AED 1,000 required effective 1 March 2025 to earn any cashback

Exclusions

Transactions at charitable organizations, bill payments via Emirates Islamic channels, cash advances and non-retail transactions

Where

International

“International Spends 2.25% Unlimited Domestic Spends 1.25%”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Enjoy up to two Buy 1 Get 1 complimentary movie tickets every month on any day of the week with minimum monthly retail spend of AED 3,000

How often

2 uses a month

How to use it

Voucher code — Present card and meet minimum spend requirement of AED 3,000 per month to qualify for the benefit

Caps and limits

Up to two complimentary tickets per month. Minimum monthly retail spend of AED 3,000 required. If spend criteria not met or maximum usage exceeded, card will be billed with discount availed

Exclusions

Applies only if minimum monthly retail spend of AED 3,000 is met

Where

Dubai

“enjoy up to two "Buy 1 Get 1" complimentary movie tickets every month”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Earn 0.31% cashback on fast food restaurant purchases with unlimited earning potential

How often

Always on

How to use it

Activate in the bank's app — Log in to Emirates Islamic account via Online Banking or Mobile Banking app, go to Cards section, click Rewards, choose Redemption and submit request

Caps and limits

Unlimited. Minimum monthly retail spend of AED 1,000 required effective 1 March 2025 to earn any cashback

Exclusions

Bill payments via Emirates Islamic channels, cash advances and transactions at non-eligible merchant categories

Where

All emirates

“Quick Service Restaurants (Fast Food Restaurants) 0.31%”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Earn 1% cashback on grocery and supermarket purchases with unlimited earning potential

How often

Always on

How to use it

Activate in the bank's app — Log in to Emirates Islamic account via Online Banking or Mobile Banking app, go to Cards section, click Rewards, choose Redemption and submit request

Caps and limits

Unlimited. Minimum monthly retail spend of AED 1,000 required effective 1 March 2025 to earn any cashback

Exclusions

Bill payments via Emirates Islamic channels, cash advances and transactions at non-eligible merchant categories

Where

All emirates

“Grocery & Supermarkets 1% Unlimited Quick Service Restaurants”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Extended warranty programme that automatically doubles the manufacturer's warranty for up to one year after its expiry date for purchases made with the card

How often

Per event

How to use it

Redeem on a website — Information available at www.visamiddleeast.com

Caps and limits

Doubles manufacturer's warranty for up to one year after expiry date

Where

All emirates

“Enjoy peace of mind with our extended warranty programme that automatically doubles the manufacturer's warranty”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026

Protect purchases against theft or accidental damage for up to 90 days after purchase with coverage up to USD 5,000 per incident and maximum USD 20,000 per year

How often

Per event

How to use it

Call the concierge line — Submit claims within 45 days of incident by contacting 8000 441 3487

Caps and limits

Coverage up to USD 5,000 per incident, maximum USD 20,000 per year, protection period up to 90 days after purchase

Where

All emirates

“Protect your purchases against theft or accidental damage for up to 90 days.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/rta-credit-card · Last checked 7 Sep 2026