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Emirates Islamic RTA Card cashback rate, cap and annual fee

Emirates Islamic RTA Card pays 10% at RTA transport payments — on the first AED 750 you spend on it each month, which is where the AED 75 cap stops it. Nothing at all below AED 1,000 of spending a month — AED 12,000 across a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Emirates Islamic · United Arab Emirates · catalogue v121

Read from Emirates Islamic's own published terms on 29 Oct 2026.

AED 1,000Minimum monthly spend
10%Best rate

What it pays, by category

SpendingRateMonthly cap
RTA transport paymentsgovernment10.00%AED 75reached at AED 750 of spend10% on RTA transport payments. AED 75 of cashback a month.
fuel10.00%AED 75reached at AED 750 of spend10% at fuel stations. AED 75 of cashback a month.
spending outside the UAEtravel2.25%—2.25% on international spending.
everything else1.25%—1.25% on other domestic spending.
groceries1.00%—1% at groceries and supermarkets, at home or abroad.
spending in the EEA and UKtravel0.56%—0.56% on spending in the European Economic Area and the UK.
quick service restaurantsdining0.31%—0.31% at quick service (fast food) restaurants.
automobiles and insuranceeverything else0.19%—0.19% on automobiles and insurance.
education0.13%—0.13% on education.
phone and internet0.13%—0.13% on telecommunication.
rent and property0.13%—0.13% on real estate.
governmentNone—Nothing on other government payments: Emirates Islamic pays its domestic and international rates on non-government spending only.
charitiesNone—Nothing at charitable organisations.
Pays only in a statement cycle with AED 1,000 of retail spending (from 1 Mar 2025). 10% on RTA transport payments and 10% at fuel stations, each capped at AED 75 of cashback a month; 1.25% on other domestic spending, 2.25% abroad, 0.56% in the EEA and UK; 1% on groceries, 0.31% on fast food, 0.19% on cars and insurance, 0.13% on education, telecoms and real estate. The domestic and international rates cover non-government spending only, so government payments other than RTA earn nothing, and so do charities and bills paid through Emirates Islamic's own channels. Minimum 300 Cashback Points to redeem; they last two years. Emirates Islamic's current credit card list does not show this card and the terms page publishes no annual fee or network ('as defined by VISA/Mastercard'), so both are left as they were and availability is unrecorded. Source: emiratesislamic.ae RTA Credit Card terms and conditions page, read 29 Oct 2026.

Questions people ask

What cashback does the Emirates Islamic RTA Card pay?

10% at RTA transport payments, and 10 other rates. The top rate is capped at AED 75 a month.

Is there a cap on the Emirates Islamic RTA Card?

Yes. rta transport payments is capped at AED 75 a month; fuel is capped at AED 75 a month.

Is there a minimum spend on the Emirates Islamic RTA Card?

Yes — AED 1,000 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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Other United Arab Emirates cards read off the issuer