Emirates Islamic RTA Card
Emirates Islamic RTA Card. Dubai, a city known for its vibrant lifestyle and modern infrastructure, offers numerous solutions to make life more convenient, especially when it comes to managing your finances and transportation. One such solution is the Emirates Islamic RTA Card a multi-purpose card that combines the functionality of a credit card with the added convenience of a Nol card for public transport. Whether you’re a resident or a frequent visitor, this card is designed to enhance your experience, offering a range of rewards, cashback, and easy access to public transportation services.
In this comprehensive guide, we’ll take a deep dive into everything you need to know about the Emirates Islamic RTA Card: its features, benefits, application process, and how you can make the most of this unique financial tool.
What Is the Emirates Islamic RTA Card?
The Emirates Islamic RTA Card serves as both a credit card and an RTA Nol card. It allows you to make purchases, earn rewards, and access various transportation options seamlessly. Ideal for individuals who frequently use public transport, this card eliminates the need for separate transport cards while offering additional perks, including cashback on everyday purchases.
Features of the Emirates Islamic RTA Card
- Multi-Functionality: Use it like a standard credit card or as a Nol card for transportation payments.
- Cashback Rewards: Earn cashback on RTA transport services, groceries, and more.
- Built-In Nol Card: Pay for metro rides, buses, and even parking with ease.
- Global Acceptance: Enjoy the benefits of using it internationally for purchases, both online and in-store.
How to Apply for the Emirates Islamic RTA Card
Applying for the Emirates Islamic RTA Card is a simple and straightforward process. You can submit your application online via the Emirates Islamic website or through other convenient methods like mobile banking.
Steps to Apply
- Visit the Emirates Islamic website: Go to the official Emirates Islamic site and click on the RTA card application section.
- Fill out the application form: Provide your details, including Emirates ID, salary information, and other required documentation.
- Submit your application: After entering the required information, submit the form for processing. A customer service representative will contact you to complete the process. You can also explore other options like mobile banking or online banking to apply for the card directly from your smartphone or computer.
Eligibility for the Emirates Islamic RTA Card
To qualify for the RTA Credit Card, applicants must meet specific eligibility criteria. These include:
- Age Requirement: You must be at least 21 years old.
- Emirates ID: A valid Emirates ID is required for residents.
- Minimum Salary: A monthly salary of at least 5,000 AED is mandatory. If you’re self-employed, the income requirement still applies, but you’ll need to provide a trade license and other business-related documents. Non-residents or expatriates must also submit a passport copy.
Fees and Charges for the Emirates Islamic RTA Card
The Emirates Islamic RTA Card offers many benefits without the burden of an annual fee. However, some fees do apply for specific services:
- Interest Rate: A 3% interest rate on cash advances, with a minimum fee of 99 AED.
- Non-AED Transactions: A fee of 3.49% applies to foreign currency transactions.
- Cashback: Enjoy up to 10% cashback on RTA services, such as metro rides, buses, and water taxis, and additional cashback on fuel and supermarket purchases.
These fees are competitive and designed to provide value for users, especially those who frequently travel via public transportation.
Activating the Auto Top-Up Feature
One of the standout features of the Emirates Islamic RTA Card is the Auto Top-Up facility, which automatically reloads your NOL card when your balance is low. Here’s how you can activate this feature:
- Select the “Activate Auto-Top-Up” option when purchasing your NOL credit card.
- Enter the required NOL tag ID and other necessary information.
- Choose the top-up amount (options include 50 AED, 100 AED, or 200 AED).
You can also activate or modify the auto top-up feature by contacting customer care at +971 600 599995.
How to Recharge the Emirates Islamic RTA Card
Recharging your NOL card is easy and can be done through various methods, including:
Using Emirates Islamic Cash Deposit Machines (CDM)
- Insert your RTA credit card and PIN.
- Enter your 10-digit NOL tag ID.
- Choose the recharge amount and confirm.
Using Emirates Islamic ATMs
- Insert your RTA credit card and PIN.
- Select the “Bill Payments” option.
- Choose Roads and Transport Authority (RTA).
- Enter your 10-digit NOL tag ID and recharge amount.
Via Emirates Islamic Online Banking
- Log in to your Emirates Islamic Online Banking account.
- Navigate to Payments, then select RTA.
- Add your NOL tag ID and complete the transaction.
Using Emirates Islamic Mobile Banking
- Download the Emirates Islamic Bank app and log in.
- Select RTA Credit Cards and follow the prompts to recharge.
Contacting Customer Care
- Call Emirates Islamic customer care at +971 600 599995 to recharge via IVR.
Recharging through RTA Channels
- You can also use RTA ticket offices, vending machines, and authorized agents to top-up your NOL card.
How to Redeem Cashback Rewards
Redeeming your cashback rewards is simple and convenient. Here’s how you can do it:
- Log into your Emirates Islamic Online Banking or Mobile Banking account.
- Go to the ‘Cards’ section and select ‘Rewards’.
- Choose the ‘Redemption’ option and follow the instructions to claim your rewards.
Documents Required for the Emirates Islamic RTA Card
To apply for the Emirates Islamic RTA Card, you will need to submit the following documents:
- Valid Emirates ID.
- Passport copy (for non-UAE nationals).
- Salary certificate or proof of income for employed individuals.
- Trade license for self-employed individuals.
- Bank statements from the past three months.
- Security cheque (if applicable).
Benefits of the Emirates Islamic RTA Card
When it comes to saving money and making the most of your daily commute, the Emirates Islamic RTA Card stands out. Here’s why:
Built-In Nol Card for Seamless Transport
The Emirates Islamic RTA Card comes with an integrated Nol card, which you can use to pay for metro rides, buses, and water taxis in Dubai. This feature eliminates the need for carrying a separate transport card and adds a layer of convenience to your travel experience.
Cashback Rewards on RTA Services
With this card, you can enjoy cashback rewards on various RTA services, such as:
- 10% cashback on Dubai Metro, buses, and taxis.
- 5% cashback on RTA taxis.
These rewards can help offset your commuting costs, making it an ideal choice for frequent travelers.
Discounts on RTA Services
- 50% off on vehicle registration fees.
- 25% off on Salik tags, offering substantial savings on vehicle-related expenses.
Cashback on Other Purchases
In addition to RTA services, the Emirates Islamic RTA Card offers:
- 0.5% cashback on general purchases at supermarkets.
- 10% cashback at fuel stations.
Airport Lounge Access
For frequent travelers, the card provides complimentary access to over 1,000 global airport lounges. This benefit is available to the cardholder and a guest, ensuring a comfortable travel experience.
Complimentary Cinema Tickets
The Emirates Islamic RTA Card offers a Buy 1 Get 1 free cinema ticket benefit when you spend at least 3,000 AED per month in retail. This benefit is an added perk for entertainment lovers.
Roadside Assistance
Cardholders also enjoy complimentary roadside assistance, including services such as fuel delivery, tire changes, and battery boosts.
Purchase Protection
Protect your purchases against theft or accidental damage with the card’s purchase protection feature, providing peace of mind with every transaction.
Conclusion
The Emirates Islamic RTA Card is more than just a way to pay for public transportation in Dubai; it’s a versatile financial tool that combines the benefits of a credit card with the functionality of a Nol card. With attractive cashback rewards, discounts, and a range of convenient features, this card is perfect for both residents and visitors who want to make their daily commute easier and more cost-effective.
