Rewards Gold / Classic Card (Choice Points)

What makes this card Islamic

Emirates Islamic builds this card on a Ujrah contract. The bank charges you a fixed fee for the service of giving you a card, rather than a charge that grows with the money you owe.

Priced under the Schedule of Charges 'Fee based Cards' table: a MONTHLY FEE scaled to the assigned credit limit (AED 225/month up to an AED 8,000 limit, rising to AED 1,600/month above AED 62,500) instead of a monthly profit rate. This is the ujrah-style pricing Emirates Islamic used before moving the current range onto Murabaha; the bank does not use the word 'ujrah' in the Schedule of Charges.

Approved by Internal Shariah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

Every figure below comes from Emirates Islamic’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

AED 210Waived if annual spends exceed AED 5,000.source

Supplementary card

AED 0Free – up to 4 supplementary cards.source

Profit rate

Not publishedThe bank publishes a Monthly Profit Rate per card in its Schedule of Charges and an Annualized Percentage Rate (APR) in its Key Fact Statement; the APR is exactly 12x the monthly rate. KFS: 'If we receive payment of the statement balance in full on or before the payment due date, you do not have to pay any Billed Profit on the statement balance. This is at the sole discretion of Emirates Islamic Bank (P.J.S.C) (the “Bank”).' Profit-free period is up to 55 days on retail purchases and does not apply to cash advances, balance transfers or special promotions. Minimum payment is 5% of the closing balance or AED 100, whichever is higher. No profit is charged on accrued profit (no compounding).

Cash withdrawal

3.15% of the cash advance amount or AED 103.95, whichever is higher, per transaction. Maximum cash advance per transaction AED 10,000 or 50% of the card limit, whichever is lower.

Late payment

AED 131.25

Over limit

AED 261.45

Foreign currency spend

2.54% on top of the exchange rate

Replacement card

AED 78.75

Takaful cover

Optional Credit Shield takaful at 1.04% of the outstanding amount per month. Complimentary multi-trip travel takaful (trips up to 90 days) is bundled on several cards.

What you get back

• Domestic spends: 1 Choice Point per AED 1
• International spends: 1 Choice Point per AED 1
• Grocery/Supermarkets, Education, Insurance, Car dealership and Auto related, Electronics and Telecommunication Payment: 0.5 Choice Points per AED 1
• Government Services, Bill Payments (including utility bills) and Transport: 0.1 Choice Points per AED 1
• 18,000 Choice Points redeem for a voucher of AED 100
• Choice Points are valid for two years

Other benefits

• Up to 4 free supplementary credit cards
• Extended Warranty — doubles the manufacturer warranty by up to 12 months; cover USD 2,500 per occurrence and USD 5,000 per year
• Buyers Protection — USD 5,000 per occurrence and USD 20,000 per year against loss or damage
• Visa Luxury Hotel Collection at over 900 properties

Before you apply

• Government, utility and transport spend earned 0.1 Choice Points per AED 1 — about 0.056% back.
• Priced as a fee-based card: a monthly fee scaled to the credit limit regardless of usage.
• Listed on Emirates Islamic's own Legacy Credit Cards page, which opens: 'The cards mentioned below were previously available to customers but have now been discontinued.'
• Profit is waived on a fully-settled statement balance only 'at the sole discretion' of the Bank (KFS wording) - it is not an unconditional contractual waiver.
• The late charge is a 'Commitment to Donate Amount' of AED 131.25 per month, charged whenever the Minimum Payment Due is not received by the due date; the Bank pays it to a charity approved by its Internal Shariah Supervision Committee after deducting actual expenses. It is a purification charge rather than bank income, but it is still a real AED 131.25 monthly cost to the cardholder.
• The bank's own two primary documents conflict on the FX fee: the Schedule of Charges states 2.54% (2.34% Amazon, 2.30% Emarati/Skywards Black) while the Key Fact Statement (CCB/CCD/0526/V7.5) states 2.34% for all other cards and 1.84% for Emarati/Skywards Black.
• A Visa/Mastercard network processing fee of approximately 1.15% applies ON TOP of the bank's FX fee. A separate 1.99% fee applies to transactions settled in AED at an overseas point of sale (dynamic currency conversion).
• Over-limit fee AED 261.45 per month; Direct Debit return fee AED 105; maximum cash advance AED 10,000 or 50% of the card limit per transaction.
• Optional Credit Shield takaful is charged at 1.04% of the OUTSTANDING amount every month, not a flat fee.

Can you get it?

Age

21 and over

Other conditions

Minimum age 21 ('you must be at least 21 years old'). Employed applicants must meet the card's minimum income requirement; self-employed applicants qualify on computed income. Applicants who are unemployed or below the income threshold may still obtain a card against a Fixed Deposit Account holding the minimum deposit for that card. Salary transfer to Emirates Islamic is NOT stated as a requirement on any published eligibility page. Cards are issued to non-account-holders. 5 business day cooling-off period applies. Listed on Emirates Islamic's own Legacy Credit Cards page, which opens: 'The cards mentioned below were previously available to customers but have now been discontinued.'

What to have ready

• Original Emirates ID or passport
• Latest salary certificate (for employed customers)
• Trade license (for self-employed customers)
• Bank statement for the last three months
• Security cheque (if applicable)

Where these figures come from

Last checked against Emirates Islamic’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “Choice Points Earning — Rewards Gold/Classic Card: Domestic Spends 1 Points per AED 1 spend | International Spends 1 Points per AED 1 spend — Legacy Credit Cards page”
• “Your Choice Points are calculated each month based on your monthly spend and have a validity of two years — Legacy Credit Cards page”
• “Listed on Emirates Islamic's own Legacy Credit Cards page, which opens: 'The cards mentioned below were previously available to customers but have now been discontinued.'”
• “Shariah based Murabaha — All our Credit Cards are based on a Shariah compliant structure of Murabaha. Murabaha is a form of contract of sale whereby the Bank sells Wakala Certificates which are being purchased and in the possession of the Bank against a price which is equal to cost of acquisition and a defined profit. — Key Fact Statement (KFS) – Credit Cards”

• Product page
• Schedule of charges