Emirates Islamic Abu Dhabi Rewards Credit Card

The cost of living in the UAE, especially in popular emirates such as Dubai and Abu Dhabi, is pretty high. In fact, according to Numbeo, Abu Dhabi has a cost of living index of 62.71 and ranks on 193rd position out of 446 cities in the world in terms of cost of living. Here’s a piece of hard-hitting data: the cost of living for a family of four in Abu Dhabi, without rent, comes to around AED 10,561.13.

Given the high cost of living in Abu Dhabi, UAE, it is no wonder that Abu Dhabi residents are often seen looking for credit card to consolidate their expenses, make savings and earn maximum value for their hard-earned money. Remember, credit cards in the UAE region come packed with an extensive range of exciting rewards, exclusive benefits and cash back rewards.

With the intention of tapping into the relatively large pool of credit card users who look for and essentially demand credit cards specially designed to confer them with amazing benefits and rewards, UAE’s leading Islamic financial baking organization, Emirates Islamic Bank launched its Abu Dhabi Rewards Credit Card.

As the name suggests, Emirates Islamic Abu Dhabi Rewards Credit Card is specially designed to help the residents of Abu Dhabi earn rewards, discounts and benefits when shopping for their daily needs and luxury aspirations in Abu Dhabi. Since its launch, Emirates Islamic Abu Dhabi Rewards Credit Card has become a staple in the financial portfolio for a large number of Abu Dhabi residents.

About Emirates Islamic Abu Dhabi Rewards Credit Card  

Launched in March 2014, Emirates Islamic Abu Dhabi Reward Credit Card has been specially designed and carefully conceptualized to meet the needs and wants of the credit card users in Abu Dhabi, UAE. The card has been designed by Emirates Islamic with an intention to help card members manage their day to day expenses, without having to run from pillar to post.

Emirates Islamic Abu Dhabi Reward Credit Card is fully Shari'a compliant and helps card members benefit from a wide range of rewards, discounts and exclusive privileges at Abu Dhabi-based retail outlets and stores. 

In addition to the exclusive range of rewards, and benefits, Emirates Islamic Abu Dhabi Rewards Credit Card gets card holders a direct and automatic membership for UAE’s popular credit card reward program, ‘Choice Points’.

Choice Points has long been one of the most popular credit card rewards programs in the UAE and residents of the Abu Dhabi are often to be seen looking for easy access to Choice Points in order to enjoy multiple benefits, discounts and rewards.

Emirates Islamic Abu Dhabi Rewards Credit Card users earn Choice Points on every dirham they spend on the card. But what essentially makes this card even more special for Abu Dhabi residents is the fact that card users in Abu Dhabi get to earn Choice Points at an accelerated rate. This means that card users earn two Choice Points for every dirham they spend on their card. Emirates Islamic Abu Dhabi Rewards Credit Card users also get to redeem their accumulated Choice Points at a wide variety of merchant partners across categories and stores.

Among its many benefits, the Emirates Islamic Abu Dhabi Rewards Credit Card also enables card members to earn exciting dining, travel and shopping discounts through the ever-so-popular Mazaya Offers Platform. Card members may also exchange their points for Etihad Guest Miles or JetPrivilege Miles. In addition, users also get to convert their purchases into Easy Monthly Instalments as well as get 4 free supplementary cards for their family members, and much more.

Features of Emirates Islamic Abu Dhabi Rewards Credit Card  

One of the UAE’s leading Islamic financial banking organizations, Emirates Islamic Bank came up with the feature loaded, Abu Dhabi Rewards Credit Card to serve its growing customer base in the emirate and provide them with exclusive benefits in their close vicinity. The wide range of ground-breaking features of this credit card makes it the top choice for the residents of Abu Dhabi. Let’s check out just some of the many unique features of Emirates Islamic Abu Dhabi Rewards Credit Card.

  • Choice Points Membership
  • Easy Payment Plan
  • Cash-on-Call
  • Cash Advance feature
  • Balance Transfer
  • Worldwide Acceptance
  • 3D Secure
  • Fully Shari'a compliant

Benefits of Emirates Islamic Abu Dhabi Rewards Credit Card  

Other than the manifold features, Emirates Islamic Abu Dhabi Rewards Credit Card also offers an extensive range of benefits to help the residents of Abu Dhabi enjoy exclusive benefits whenever they shop at retail outlets and stores within the emirate for their day-to-day needs and luxury needs. Let’s check out just some of the many benefits that Emirates Islamic Abu Dhabi Rewards Credit Card has on offer for its users:

  • Annual fee waived off for a minimum annual spend of AED 5,000.
  • Auto enrolment to choice points program
  • 2 Choice point per 1 AED spend
  • Instant redemption across supermarkets, retail outlets, electronics, leisure, entertainment, jewellery stores & much more in Abu Dhabi.
  • Exclusive Mazaya discounts
  • Mile Exchange benefit with Etihad Guest & JetPrivilege
  • Easy Payment Plans

Eligibility

Here is a list of eligibility criteria for Emirates Islamic Abu Dhabi Rewards Credit Card   :

  • Income Eligibility: AED 5,000 and above (Minimum monthly income)
  • Residential Eligibility -UAE residents with valid UAE residence Visa
  • Verification Eligibility - Age/Id Proofs

Top Reasons to Get Emirates Islamic Abu Dhabi Rewards Credit Card   

Card seekers in Abu Dhabi have no shortage of lures that invariably tempts into applying for the ever-so-popular Emirates Islamic Abu Dhabi Rewards Card. Some such lures are accelerated Choice Points rewards, exciting travel discounts, cash back offers, easy payment plan, exclusive Mazaya Offers and instant Choice Points redemption. In fact, Emirates Islamic Abu Dhabi Rewards Credit Card packs in some excuse for every type of card applicant, right from conservative spenders to luxury seekers. Let’s just look at some of the top reasons that lure a large number of people into getting Abu Dhabi Rewards Credit Card.

  1. Choice Point Membership - Emirates Islamic Abu Dhabi Rewards Credit Card provides its users with an automatic enrolment into region’s best and highly sought-after Choice Points Rewards Program. In fact, Choice Points has long been the number one reason for most credit card applicants who apply for the Abu Dhabi Rewards Credit Card. The card enables card members to earn 2 Choice Points for every dirham spent on the credit card. The total points accrued on the card can later be redeemed against card annual fee, airline miles, entertainment, electronics, communication, leisure, jewellery stores and supermarkets in Abu Dhabi.
  2. Easy Payment Plan - Emirates Islamic Abu Dhabi Rewards Credit Card also provides its card members with a zero percent interest when if they choose to convert their purchases into Easy Monthly Instalments. These profit-free Easy Payment Plans are available for tenure of 3, 6, 9 & 12 months. To convert the spends converted into Easy Monthly Instalments, card members can simply contact the Emirates Islamic customer support at 600599995 and provide the details of the transaction that they intend to convert.
  3. Free Supplementary Cards- Emirates Islamic Abu Dhabi Rewards Credit Card also allows its card members to avail complementary, free supplementary cards for their eligible family members. Card members may avail as many as 4 free supplementary cards. These supplementary cards also get to earn 2 Choice Points every time 1 AED spend is put on them. In addition, these supplementary cards are also privy to the exclusive discounts and special privileges available for the primary card holder.
  4. Mazaya Offers - Emirates Islamic Abu Dhabi Rewards Credit Card is also linked to one of the UAE’s most popular offers platform, Mazaya Offers. This popular offers platform allows Emirates Islamic Abu Dhabi Rewards Credit Card members to enjoy unlimited discounts on shopping, dining, entertainment and travel. Over the top, it is very easy to avail Mazaya discounts and card members can avail Mazaya discounts by simply their Abu Dhabi rewards cards at the billing counters of one of the many partner retailers or restaurants.
  5. Worldwide Acceptance - Emirates Islamic Abu Dhabi Rewards Credit Card is not just accepted in Abu Dhabi, but is accepted worldwide. Card members can enjoy complimentary privileges and rewards not just in the UAE but also worldwide. The card is accepted at more than 1 million ATMs and over 30 million retail outlets worldwide. In addition, for spends worth 1 AED in non-AED currency is treated as an international spends and card holders get to earn 2 Choice Points for international spends.

Emirates Islamic Abu Dhabi Rewards Credit Card    Offers (Updated in June 2018)

  • Up to 20% off at Bloomingbox.com (No Promo Code Required)
  • Up to 30% at restaurants across the UAE (No Promo Code Required)
  • 40% off on La Moda Sunglasses (No Promo Code Required)
  • 15% off on best available room rates at Cristal Hotel, Abu Dhabi (No Promo Code Required)

Fees and Charges        

 

Annual Membership Fee

AED 200

Cash Advance Fee

3% of cash advance amount or AED 99 whichever is higher (This will be revised to 3% of cash advance amount or AED 149 whichever is higher effective April 01, 2019)

Maximum cash advance per transaction       

10,000 or 50% of the card limit whichever is lower

Over limit fee

AED 249 (This will be revised to 279 effective April 01, 2019)

Late payment fee

AED 225

Card replacement fee

Free (This will be revised to 50 effective April 01, 2019)

Copy of sale voucher

AED 50

Overseas transaction in UAE Dirhams           

1.99%

Forex Charges  

2.34%

Minimum Payment Due

5% of statement balance PLUS any overdue amount, or AED 100, whichever is higher

No Liability Certificate

AED 50

Liability Letter

AED 50

Paper statement fee

10 (No Charge for Priority customers)

Cheque & Direct Debit Return     

AED 100

E statement

Free

 

Emirates Islamic Abu Dhabi Rewards Credit Card    Rewards

1. Choice Points - Emirates Islamic Abu Dhabi Rewards Credit Card allows its card members to enjoy the unlimited benefits and rewards of the UAE’s popular credit card reward programs, Choice Points. This amazing credit card program help Emirates Islamic Abu Dhabi Rewards Credit Card customers earn double the reward points for all their spends across retail, lifestyle, dining and shopping with flexible redemption options.

For every 1 AED spent, Emirates Islamic Abu Dhabi Credit Card members get to earn 2 Choice Point. This means card members get to earn 2 Choice Point for every 1 AED spent on both international and domestic spends. The total number of Choice Points accrued on the Abu Dhabi Rewards Credit Card can be easily redeemed for travel, dining and shopping benefits at Carrefour, Etihad Guest, Marina Mall, Abu Dhabi Mall and Sharaf DG. Please be advised that card members only get to earn Choice Points for spends put on the card for up to the monthly credit limit assigned to the Abu Dhabi Rewards Credit Card.

2. Mazaya Rewards - Other than the much coveted Choice Points, Emirates Islamic Abu Dhabi Rewards Credit Card members also automatically qualify to enjoy unlimited benefits and multiple rewards offered by one of the UAE’s most popular offers platform, Mazaya Offers Platform. Powered by Mazaya Offers, Emirates Islamic Abu Dhabi Rewards Credit Card helps card members instantly get up to 30% discount on dining at hundreds of restaurants across the UAE. Also, card members can score amazing discounts and rewards when shopping at Mazaya partner retail outlets across the UAE. In addition, there are Mazaya travel benefits on offer too for Emirates Islamic Abu Dhabi Rewards Credit Card members.

How to Earn Rewards?

1. Choice Points - Redeeming Choice Points accrued on Emirates Islamic Abu Dhabi Rewards Credit Card is as easy as earning them. Card members have plenty of flexible redemption option for the accrued Choice Points. There are unlimited benefits, discounts and rewards for grabs for Abu Dhabi Rewards Credit Card members against their Choice Points. Some such options are gift vouchers from MAF, Beit Alkhair Society, Etisalat Wasel and airline miles from JetPrivilege and Etihad Guest. In addition, card members may also redeem their Choice Points against card annual fee, leisure & entertainment options, electronics & communication spends, or their spends at jewellery stores, shopping malls and supermarkets in Abu Dhabi.

Here’s a table that illustrates the Choice Point earning rate for Emirates Islamic Abu Dhabi Rewards Credit Card:

 

Type of Spend 

Choice Point Per 1 AED

International spend

2 Choice Point

Domestic spend

2 Choice Point

 

Card members can redeem Choice Points for cash back vouchers. Below is the earning rate for redemption of voucher of 100 AED:

 

Retailer

Points per voucher of 100 AED

Cash Back

18000 points

 

Card members can redeem Choice Points for AED 100 gift card from a number of retailers including Beit Alkhair Society, Etisalat Wasel, MAF Gift Card. Below is the earning rate for redemption of 100 AED gift card:

 

Retailer

Points per voucher of 100 AED

MAF Gift Card

16,000 points

Etisalat Wasel

14,000 points

Beit Alkhair Society

12,000 points

 

Card members can exchange the accrued Choice Points for Etihad Guest Frequent Flyer Miles and JetPrivilege Miles. Below is the earning rate for Etihad Guest Miles and JP Miles.

 

Choice Points

Etihad Guest Miles

14000

1500

16000

2000

 

Choice Points

JetPrivilege Miles

15000

1500

 

2. Mazaya Rewards - Emirates Islamic Abu Dhabi Rewards Credit Card members get direct access to the ever-so-popular Mazaya Offers platform. Card members can earn Mazaya discounts and rewards by putting their dining, shopping and travel expenses on their Abu Dhabi Rewards Credit Card.

How to Redeem Your Points?

Emirates Islamic Abu Dhabi Rewards Credit Card holders get access to flexible and easy Choice Points redemption options. In order to redeem the Choice Points, Abu Dhabi Rewards Credit Card members can simply visit their Online Banking account. Here’s how card members may redeem their Choice Points through online banking:

  1. Login to ‘Online Banking’,
  2. Click on ‘Cards’ tab,
  3. Now, click on the ‘Choice Points’ link,
  4. Then, select the 'Points Redemption' option, and,
  5. Lastly, select the reward from the options available to be redeemed against the accrued Choice Points.

Those who do not wish to redeem their Choice Points online may also call up Emirates Islamic customer support centre and redeem their Choice Points.

Additional Information / Documentation

Applicants need to ensure some vital documents when applying for Emirates Islamic Abu Dhabi Rewards Credit Card. Here is a list of some such vital documents that card members need to have when applying for the Rewards Credit Card. Remember, this is not the final and binding list of documents required to apply for Emirates Islamic Abu Dhabi Rewards Credit Card and applicants may or may not be asked to furnish documents listed or not listed here.

  • Copy of passport
  • UAE Resident Visa
  • Emirates ID
  • Salary Certificates
  • 3 month bank statement
  • Copy of credit card
  • Recent credit card statement
  • Residence proof

How to Apply For Emirates Islamic Abu Dhabi Rewards Credit Card   ?

Whether one is looking to earn Choice Points, or save more with discounts deals, Emirates Islamic Abu Dhabi Rewards Credit Card leaves its card members sheer spoilt for choices. Policybazaar.ae is UAE’s leading credit card marketplace that helps credit card seekers compare different credit cards and choose the best card that fits their needs and wants. At Policybazaar.ae, it is easy to apply for Emirates Islamic Abu Dhabi Rewards Credit Card both online and offline.

Here’s how to apply for Emirates Islamic Abu Dhabi Credit Card:

Applying Online for Emirates Islamic Abu Dhabi Rewards Credit Card

In today’s time, it is very easy to get Emirates Islamic Abu Dhabi Rewards Credit Card if one meets the eligibility criteria of the card. Interested UAE residents can visit the Emirates Islamic Bank official portal and apply for Abu Dhabi Rewards Credit Card by simply filling out a few basic details such as complete name, email ID, phone number, monthly income, residence address of the applicant, etc. Upon successful submission of the credit card application, card applicants are contacted by Emirates Islamic Bank’s representative for further application process.

Here are 2 things that card applicants must keep in mind when applying for Emirates Islamic Abu Dhabi Rewards Card online:

  1. Applicants must carefully check the eligibility criteria before applying to improve their chances of approval.
  2. Applicants must do well to check the fee structure, benefits and rewards associated with the card to see if it actually fits their requirements and needs.

Applying Offline for Emirates Islamic Abu Dhabi Rewards Credit Card

Card applicants who aren’t tech-savvy or comfortable providing their personal details online may visit one of the many official branches of Emirates Islamic Bank and apply for the card directly. At Emirates Islamic Bank, applicants will be required to fill up a simple form and submit it along with necessary documents.  

Here are 2 things that card applicants must keep in mind when applying for Emirates Islamic Abu Dhabi Rewards Card offline:

  1. Applicants must talk to the bank representatives about the fee structure and benefits associated with the card to see Emirates Islamic Abu Dhabi Rewards Credit Card is the best option for you.
  2. Applicants must also do well to enquire about the likely timeline for receiving the credit card in the mail.

Applicants may also choose to call up Emirates Islamic Bank’s 24X7 customer support and apply for the credit card over the phone.

Applying for Emirates Islamic Abu Dhabi Rewards Credit Card via Policybazaar

For seasoned credit card applicants, applying for a credit card means much more than just filling up the application form. They carefully compare the intended credit card with other cards in the category to see if it’s the best fit for them. This is where UAE’s leading credit card marketplace - Policybazaar.ae comes to the rescue of new-age, discerning applicants. 

At Policybazaar.ae:

1: Credit card applicants can compare different credit cards offered by the leading banks in the UAE. The platform allows card members to easily compare different credit cards on the basis of fee structure, benefits and rewards.  

2: Credit card applicants can instantly check their eligibility for Emirates Islamic Abu Dhabi Rewards Credit Card by simply filling up personal information.

3: After careful comparison, applicants can choose to apply for their intended credit card directly at Policybazaar.ae by filling out a basic form.

With such a wide range of UAE’s best credit cards to compare and choose from, Policybazaar.ae makes the process of finding the right credit card utterly easy and convenient for credit card seekers in the UAE region.

FAQ's

Question 1: Is it possible to withdraw cash via Emirates Islamic Abu Dhabi Rewards Credit Card   ?

Answer: Yes, Emirates Islamic Abu Dhabi Rewards Credit Card allows card members to withdraw cash from more than 780,000 ATMs around the world. However, there is a cash advance fee charged for withdrawing money using the credit card.

Question 2: Is it possible to get supplementary cards with Emirates Islamic Abu Dhabi Rewards Credit Card   ?

Answer: Yes! Card members can get up to 4 free, supplementary cards with Emirates Islamic Abu Dhabi Rewards Credit Card. Supplementary cards also earn the same benefits and advantage as the primary card.

Question 3: Is there an annual fee for this card?

Answer: Yes. There is an annual fee of AED 200 for Emirates Islamic Abu Dhabi Rewards Credit Card. However, the annual fee is waived off upon annual card spend on AED 5000.

Question 4: Is Emirates Islamic Abu Dhabi Rewards Credit Card Shari'a compliant?

Answer: The Emirates Islamic Abu Dhabi Rewards Credit Card is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

Question 5: How to make payments for Emirates Islamic Abu Dhabi Rewards Credit Card?

Answer: Answer: Here’s a list of ways by which card members can payments for their Emirates Islamic Abu Dhabi Rewards Credit Card   :

  • Direct debit from Emirates Islamic Current/Investment Savings Account
  • Online payments
  • Cash payments
  • Cheque payments
  • Exchange Cash Payments
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