Emirates Islamic Credit Card Eligibility

Emirates Islamic Bank is one of the best-known banks offering Sharia-compliant banking products and services in the UAE. Founded in 2004, the bank has been delivering excellent services to help its customers manage their finances more efficiently since then.

The broad range of Emirates Islamic Bank products includes bank accounts, fixed deposits, credit cards, loans, mortgages, and other personal and business financing options. The bank has specific eligibility criteria for potential customers interested in applying for its products. The article covers Emirates Islamic Bank credit cards eligibility criteria with a list of all the essential documents required. 

Emirates Islamic Bank Credit Card Eligibility in the UAE

Find below the Emirates Islamic Bank credit card eligibility criteria you will need to fulfil when applying for a credit card.

• The applicant must be a UAE resident to apply for an Emirates Islamic credit card.
• The applicant must meet the minimum monthly income criteria of their preferred Emirates Islamic Bank credit card.
• A good credit Score is required on the applicant’s part.
• The applicant must be self-employed or salaried.
• A regular source of income in the UAE must be present for the applicant.

Top Emirates Islamic Bank Credit Cards Eligibility Criteria

EIB Skywards Black Credit Card

Eligibility Criteria

• The applicant must be a UAE resident.
• The applicant must have a good credit score.
• The applicant must have a minimum monthly salary of AED 50,000.

EIB Skywards Infinite Credit Card

Eligibility Criteria

• Must be a UAE resident
• Must have a good credit score
• Minimum monthly salary of AED 25,000

EIB Skywards Signature Credit Card

Eligibility Criteria

• Must be a UAE resident
• Good credit score required
• Must have a minimum monthly salary of AED 10,000

EIB Etihad Guest Premium Credit Card

Eligibility Criteria

• Must be a UAE resident
• Must have a good credit score
• Minimum monthly salary of AED 8,000 required

EIB Etihad Guest Saqer Credit Card

Eligibility Criteria

• Must be a UAE resident
• Must have a good credit score
• Minimum monthly salary of AED 10,000 required

EIB Etihad Guest Ameera Credit Card

Eligibility Criteria

• Must be a UAE resident
• Good credit score required
• Must have a minimum monthly salary of AED 10,000

EIB Etihad Guest Platinum Credit Card

Eligibility Criteria

• The applicant must be a UAE resident.
• The applicant must have a good credit score.
• The applicant must have a minimum monthly salary of AED 15,000.

Documents Required to Apply for Emirates Islamic Bank Credit Cards

Here are the documents required to apply for Emirates Islamic Bank Credit Cards.

• Emirates ID (for identity verification) – Original and a copy
• A valid Passport with Residency Visa (for address verification)  – Original and a copy
• Trade License for self-employed applicants – Original and a copy 
• Bank Statement for the previous three months (for income and address verification) – Original and a copy
• Utility Bill or Contract of Tenancy (for address verification) – Original and a copy
• Appointment Letter/Salary Transfer Letter (for income and designation verification) – Original and a copy

Factors Affecting Emirates Islamic Bank Credit Card Eligibility

A few major factors that affect your Emirates Islamic Bank credit card eligibility are listed below.

1. Monthly Income: Meeting the minimum monthly income requirement of your chosen Emirates Islamic Bank credit card is essential to getting approval on the application. You must have a stable income to help the bank believe that you can handle debts, as the bank will provide you with your desired credit card only after they are convinced of your debt-handling ability. 
2. Age: Your age is another major factor to keep in mind when applying for your chosen Emirates Islamic Bank credit card. You can call the bank’s help and support desk to check the age criteria (both minimum and maximum) to get the credit card you want to apply for. 
3. Credit Score: Banks in the UAE check the credit score of the applicants before approving their credit card or loan application, and so does the Emirates Islamic Bank. Make sure that you at least start trying to maintain a good credit score if you want to apply for a credit card in the UAE. Besides ensuring hassle-free approval, a good credit score can also get you a higher credit limit and lower interest rates. 
4. Debt Management: Paying your debts on time also adds up a positive point to your credit report. You must learn to manage your debts well and clear all your dues before or on the due date to gain a good credit score. Emirates Islamic Bank looks at your debt repayment schedule to figure out if you are a responsible borrower or not. 
5. Credit Settlement: Not paying your debts on time can get them piled up. Sometimes, the borrowers look for credit settlement with the lender in such cases. However, it is highly recommended that should try to avoid settling your dues at a reduced amount than you borrowed from your lenders. While such settlement may help you get rid of your loans and debts, it may leave a negative impact on your credit report at the same time. Good borrowers with no such cases can easily get their credit card applications approved.

Simple Ways to Improve Emirates Islamic Bank Credit Card Eligibility

Check out some simple ways to enhance your Emirates Islamic Bank credit card eligibility.

1. On-Time Debt Repayment: An on-time debt repayment plays a critical role in building a good credit report. You can become eligible for more potential debts through credit cards by reducing the existing ones by paying them on time. Like most other banks in the UAE, Emirates Islamic Bank also checks the applicants’ debt repayment schedules before approving their credit card applications. Consequently, in order to meet the Emirates Islamic Bank credit card eligibility criteria, the first thing you must do is be responsible for your debts.  
2. Less Number of Credit Inquiries/Applications: As soon as you think of getting a credit card or a loan, the first thing you do is call your preferred bank’s customer support desk. This helps you find answers to your queries in no time. However, such calls also increase the number of credit inquiries you have made. As a higher number of credit inquiries makes the bank believe that you need a loan and are running short of funds at the moment, you should avoid making such calls repeatedly. An excellent alternative for you is to visit our credit cards section whenever you have any credit-related questions. Another thing you must avoid doing is applying for multiple credit cards simultaneously. 
3. Multiple Sources of Income: You must mention all your income resources in your credit card application. This helps you have a good debt-to-income ratio and enhance your Emirates Islamic Bank credit card eligibility. At the same time, make sure that you do not overstate your income as it can reduce your chances of getting a credit card. 

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FAQs on Emirates Islamic Bank Credit Card Eligibility