RTA Credit Card review
The headline rate is 10% cashback on both RTA transport payments and fuel, followed by 2.25% on international spend, 1.25% domestically, 1% on groceries and smaller percentages across dining, automobiles, education and telecom. Earning requires a minimum AED 1,000 retail spend per statement cycle from 1 March 2025, and cash advances, balance transfers, bill payments and crypto are excluded.
A built-in Nol chip lets the card double as a transit and parking payment tool, while cardholders also receive two complimentary cinema tickets monthly on AED 3,000 spend, extended warranty, purchase protection and up to four supplementary cards. Points expire after two years, with a 300-point minimum to redeem.
With no annual fee and RTA and fuel cashback each capped at AED 75 a month, the card delivers clear value to regular Dubai commuters, though heavy spenders will hit those monthly transport and fuel caps quickly.
Card details
| Bank | Emirates Islamic |
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| Card type | Cashback |
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| Card network | Visa |
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| Co-brand | RTA |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | No annual membership fee. |
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| Interest (monthly) | 3.69% |
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| Reward type | Cashback |
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| Reward rate | 10% cashback on RTA transport payments; 10% on fuel; 2.25% on international spend; 1.25% on domestic spend; 1% on grocery and supermarkets; 0.56% on EEA and UK spend; 0.31% on quick-service restaurants; 0.19% on automobiles and takaful; 0.13% on education, telecom and real estate.A minimum retail spend of AED 1,000 per statement cycle is required to earn cashback (effective 1 March 2025). Cash advances, balance transfers, bank-channel bill payments, crypto and card payments are excluded. RTA transport cashback capped at AED 75/month; fuel cashback capped at AED 75/month; other categories unlimited. A built-in Nol chip handles RTA transit and parking. Points expire after 2 years if unredeemed, with a minimum of 300 points required to redeem. |
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| Lounge access | Not specified on the official page. |
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| Quick cash | Cash-on-Call facility available. |
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| Balance transfer | Balance transfer facility available. |
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| Instalment plan | 0% Easy Payment Plans. |
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RTA Credit Card benefits
✓10% cashback on RTA transport and fuel
✓Built-in Nol chip for transit and parking
✓No annual fee
✓2 complimentary cinema tickets monthly on AED 3,000 spend
✓Extended warranty and purchase protection
✓Up to 4 supplementary cards
Offers and payment options
Quick cashCash-on-Call facility available.
Balance transferBalance transfer facility available.
Instalment plan0% Easy Payment Plans.
RTA Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% (All other Credit Cards) |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
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| Late payment fee | 131.25 |
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| Over-limit fee | 261.45 |
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| Foreign currency fee | 2.54% (plus approx 1.15% Visa/Mastercard processing) |
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| Minimum payment | 5% of closing balance or AED 100 whichever is higher |
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| Interest-free period | Up to 55 days for retail purchases |
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| Card replacement fee | 78.75 |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card is ideal for Dubai commuters who use RTA transport and want cashback plus built-in Nol integration.
What works well
- ✓Strong 10% cashback on Dubai RTA commuting and fuel
- ✓No annual fee
- ✓Integrated Nol payments
What to weigh up
- −RTA and fuel cashback each capped at AED 75/month
- −Requires AED 1,000 minimum monthly spend to earn
RTA Credit Card eligibility
Salaried UAE residents; minimum salary not confirmed on the official page.
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
RTA Credit Card FAQs
Salaried UAE residents; minimum salary not confirmed on the official page.
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
10% cashback on RTA transport payments; 10% on fuel; 2.25% on international spend; 1.25% on domestic spend; 1% on grocery and supermarkets; 0.56% on EEA and UK spend; 0.31% on quick-service restaurants; 0.19% on automobiles and takaful; 0.13% on education, telecom and real estate.
This card is ideal for Dubai commuters who use RTA transport and want cashback plus built-in Nol integration.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
