RTA Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.
Free for life
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Up to 4 supplementary cards for free
- Up to 10% cashback on fuel spending and RTA transport payments
- Earn up to 2.25% cashback per AED 1 spent
- Auto top-up of NOL and Salik
- Up to 2 ‘Buy 1 Get 1’ free Reel movie ticket offers every month
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.