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Emirates Islamic Rewards Credit Card

Out of the total population of the UAE, that is 9.54 million, more than 5 million people in the region use credit cards. This data was published in a recent report carried out by Payfort. Yet another report reveals that 65% more UAE residents applied for credit cards in 2017 as compared to 2016. These reports confirm that credit cards remain the most preferred way of spending for the UAE residents including both nationals and expats.

Here’s the deal: credit cards offer a wide range of exciting rewards, exclusive benefits and cash back helping spenders consolidate their spend and score maximum value for their money. In fact, in a survey, McKinsey & Company found that more than 53% UAE residents preferred using their credit card for their spends in order to earn cash back and rewards and maximize the value of their money spent. Now this makes it clear that cash back, rewards and multiple benefits make credit cards the most preferred mode of spending for the expats and the nationals in the UAE region.

In order to tap into the huge pool of credit card users who are often to be seen looking for credit card rewards and benefits, UAE’s leading Islamic financial baking organization, Emirates Islamic Bank launched its Rewards Credit Card   .

As the name suggests, Emirates Islamic Rewards Credit Card comes packed with an extensive range of rewards and benefits for the users. In addition, this card has been specially designed to help all sort of spenders earn rewards and benefits, irrespective of their quantum of spend. Quite expectedly, Emirates Islamic Rewards Credit Card    sells like hot cake in the UAE region.

About Emirates Islamic Rewards Credit Card  

Launched in April 2013, Emirates Islamic Reward Credit Card that is specially designed to help card members manage their day to day expenses, without having to splurge their pockets. The card is fully Shari'a compliant and offers ultimate financial flexibility to the users. The card comes loaded with an extensive range of benefits for its customers.

In addition to the wide array of benefits, rewards and features, Emirates Islamic Rewards Credit Card provides card holders with an easy and direct access to ‘Choice Points’ membership. Choice Points is one of the most popular credit cards rewards program in the UAE and a large number of people often look for easy ways to avail the multiple benefits, discounts and rewards offered by Choice Points program.

Emirates Islamic Rewards Credit Card users get to earn Choice Points on every dirham they spend on the card. But what makes it even more special is the fact that card users get to accumulate Choice Points at an accelerated rate. This means that card users get to earn two Choice Points for every dirham they spend on their card. The total points accrued on the Emirates Islamic Rewards Credit Card can later be redeemed at multiple supermarkets, retail outlets, entertainment avenues, jewellery shops, electronic stores, etc. across the UAE region.

In addition to retail redemption option of Choice Points, Emirates Islamic Rewards Credit Card users can also redeem their Choice Points for exclusive discounts, deals and other travel services offered by Fly Dubai, which is one of the most popular low-cost airlines in the world.

Among its multiple benefits, the Emirates Islamic Bank Rewards Credit Card also allows card members to avail exciting dining discounts at more than 100 popular restaurants in the country. Card members can also exchange their points for Etihad Guest 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 Rewards Credit Card  

Emirates Islamic Bank, one of the UAE’s leading Islamic financial banking organizations is known to come up with credit card products aimed around helping credit card users of the UAE easily manage their day-to-day spends and earn maximum value for every dirham they spend. Emirates Islamic Rewards Credit Card is one such financial product offered by Emirates Islamic Bank that promises an ocean of ground-breaking features to help card users earn maximum value for their money. Let’s skim through some of the outstanding features of Emirates Islamic 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 Rewards Credit Card  

In addition to the multiple features, Emirates Islamic Rewards Credit Card is also known to offer a host of benefits to make spending easier, exciting and convenient for the users. The card comes loaded with a wide range of benefits for its users. Let’s check out just some of the many benefits that Emirates Islamic 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.
  • Exclusive Mazaya discounts
  • Mile Exchange benefit with Etihad Guest
  • Travel benefits offered by Fly Dubai
  • Easy Payment Plans

Eligibility

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

There is absolutely no dearth of reasons for getting hands on the ever-so-sought-after Emirates Islamic Rewards Credit Card. Accelerated Choice Points rewards, exciting travel discounts, instant Choice Points redemption, cash back offers, easy payment plan and exclusive Mazaya Offers are just some such reasons. In fact, this amazing card leaves its users sheer spoilt for choices when it comes to counting the top reasons to buy it. Let’s just look at some of the top reasons that lure a large number of people into getting Rewards Credit Card.

  1. Choice Point Membership - Automatically, Emirates Islamic Rewards Credit Card users get enrolled into the Choice Points Rewards Program. It is one of the most sought after and popular credit card reward program in the entire UAE region. Card members get to earn 2 Choice Points for every dirham they spend on their card. The accumulated points, under the program, can be redeemed for a wide variety of redemption options that have been carefully selected on the basis of needs, wants and preferences of the card holders in the UAE region.
  2. Easy Payment Plan - Emirates Islamic Rewards Credit Card members also get to avail the benefit of 0 percent interest on converting their purchases into Easy Monthly Instalments. These profit-free Easy Payment Plans can be availed for 3, 6, 9 & 12 months. In order to get the purchases converted into Easy Payments, card members just need to call up Emirates Islamic customer support at 600599995 and provide the details of the transaction.
  3. Free Supplementary Cards- Emirates Islamic Rewards Credit Card members get to enjoy free, unlimited supplementary cards for their eligible family members. Supplementary cards also get to earn 2 Choice Points for every 1 AED spent along with the exclusive discounts, and special privileges enjoyed by the primary card.
  4. Mazaya Offers - Emirates Islamic Rewards Credit Card are also linked to the popular Mazaya Offers platform. This helps card members enjoy unlimited discounts on dining, shopping, travel and entertainment spends. Card members don’t really need to wait in order to redeem the Mazaya discounts and it can be redeemed by simply presenting Rewards Credit Card at one of the many partner retailers or restaurants.
  5. Worldwide Acceptance - Emirates Islamic Rewards Credit Card is accepted worldwide and card members get to enjoy the unlimited rewards and benefits not only in the UAE but also worldwide. Over 1 million ATMs and more than 30 million retail outlets worldwide support Emirates Islamic Rewards Credit Card. In addition, for every 1 AED spent on international spends, card holders get to earn 2 Choice Points.

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

  • Up to 25% off at Ski Dubai, Magic Planet (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)
  • 20% Discount on Entry Tickets to Al Noor Island (No Promo Code Required)
  • Up to 30% Discount at Sharjah Golf & Shooting Club (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 Rewards Credit Card    Rewards

1. Choice Points - Emirates Islamic Rewards Credit Card members automatically get enrolled to one of one of the UAE’s popular credit card reward programs, Choice Points. This credit card rewards program has been specially designed and carefully conceptualized in order to help Emirates Islamic credit card customers earn rewards for all their spends across retail, lifestyle, dining and shopping with flexible redemption options.

Choice Points allows Emirates Islamic Rewards Credit Card members to earn reward points for every dirham spent on the card. For every 1 AED spent, card members get to earn 2 Choice Point. Card members earn 2 Choice Point for every 1 AED spent on both international and domestic spends.

These Choice Points accrued on the card account can be instantly redeemed for travel, shopping, dining benefits. Here it is important to know that card members can only earn Choice Points for purchases made on the card for up to the monthly credit limit assigned against the card.

2. Mazaya Rewards - In addition to the Choice Points, Emirates Islamic Easy Card members also get to avail the multiple benefits and rewards from Mazaya Offers Platform. This amazing offers & rewards platform allows card members to enjoy up to 30% discount on dining across restaurants in the UAE. In addition, card members also get to earn discounts and rewards when shopping at partner retail outlets across the UAE. Plus there are travel benefits that card members can enjoy too.

How to Earn Rewards?

1. Choice Points - Emirates Islamic Rewards Credit Card members can easily earn Choice Points and avail flexibly redeem these points. There are multiple rewards, discounts and reward points on offer for card members whenever they choose to spend on their Rewards Credit Card . Reward points can be earned for all expenses across shopping, dining, entertainment and travel expenses put on the cars. And these points can be redeemed for vouchers and gift cards for travel, shopping, entertainment, dining and travel benefits.

Check out the table below to understand the earning rate for Emirates Islamic Rewards Credit Card:

 

Type of Spend 

Choice Point Per 1 AED

International spend

2 Choice Point

Domestic spend

2 Choice Point

 

Card members can also choose to 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

 

In addition, card members can also exchange the accrued Choice Points for Etihad Guest Frequent Flyer Miles. Below is the earning rate for Etihad Guest Miles:

 

Choice Points

Etihad Guest Miles

14000

1500

16000

2000

 

2. Mazaya Rewards - In addition to the Choice Points, Emirates Islamic Rewards Credit Card members can get direct acsess to the sought-after Mazaya offers, rewards & discounts. The Mazaya discounts and rewards can be redeemed by simply putting the dining, shopping and travel expenses on the Emirates Islamic Rewards Credit Card.

How to Redeem Your Points?

Emirates Islamic Rewards Credit Card holders have easy and flexible redemption option available for points accrued through Choice Points program. To redeem the Choice Points, eligible card members must login to their Online Banking account. Not so tech savvy card members may even contact the Emirates Islamic customer support centre and redeem their Choice Points.

Listed below are the steps for redeeming 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.

Additional Information / Documentation

Applicants need to ensure some vital documents when applying for Emirates Islamic 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 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 Rewards Credit Card   ?

In today’s fast-paced, busy and almost frenzied lifestyle, no one really has the time to visit a bank branch to apply for a credit card. Most credit card applicants now rely on the Internet to compare and apply for the credit cards of their choice. Quite expectedly, more and more financial institutions across the UAE and the world are making it easier for consumers to apply for credit cards online.

While some credit card companies in the UAE just ask the customers to fill a simple form online and provide basic details and thereafter contact the customers for further application process, there are many others that offer an end-to-end credit card application process online.

Applying for Emirates Islamic Rewards Credit Card  Online - Applying for Emirates Islamic Rewards Credit Card    online is simpler than booking a movie ticket. All credit card applicants need to do is to visit Emirates Islamic official portal, choose Rewards Credit Card    from the list of cards, fill in some basic details and apply instantly.

Upon successful submission of the Rewards Credit Card    application, applicants are contacted by Emirates Islamic Bank representatives for further application process 

Applying for Emirates Islamic Rewards Credit Card on Policybazaar - Applying for Emirates Islamic Rewards Credit Card is convenient and simple process. All thanks to the advent of internet. Almost all credit card issuers including the Emirates Islamic Bank make it possible for applicants to go online and fill up the application form for the card online. In addition, there are credit card marketplaces such as UAE’s leading credit card aggregator portal -Policybazaar.ae too that take things a notch higher. These platforms make it easy for card applicants to compare the feature, fees, benefits, etc. of different credit cards and apply for the one that suits their needs and wants, in just a few seconds and a few clicks. 

Credit card applicants looking to apply for Emirates Islamic Rewards Credit Card and quickly get their hands on the card, without having to run from pillar to post, must do well visit the popular credit card market place - Policybazaar.ae and submit their application online.

Here’s how to apply for credit cards at Policybazaar.ae:

  1. Visit Policybazaar.ae
  2. Click on ‘Credit Cards’
  3. Fill your ‘Name’ and ‘Mobile Number’
  4. Fill your ‘Email Address’, ‘Monthly Salary’, ‘Nationality’ and ‘City’ to get best results
  5. Click on ‘View Cards’
  6. Compare different ‘Credit Cards’ you’re eligible to apply for
  7. Select the credit card you’re interested in
  8. Click submit

Upon successful submission, card applicants are contacted by credit card experts from Policybazaar.ae who walk them through the lesser known facts of the card and its application process in order to help applicants make a well-informed choice.

For those still wondering about the advantages of using Policybazaar.ae when applying for Emirates Islamic Rewards Credit Card, here’s a list of just 3 top advantages:

  1. Robust Comparison Tool: Applicants get the rare opportunity to compare different credit cards for fee structure, features, benefits and other details before finally applying for a particular credit card. This not only helps applicants make a well-informed decision, but also helps them get the best credit card available in the UAE region.
  2. Simple Application Process: With Policybazaar’s end-to-end paperless online application process, applicants get to apply for credit cards of their choice in just a few clicks of the mouse. Also, Policybazaar.ae helps applicants instantly understand if they are eligible for a particular credit card or not. This helps the chances of card application getting rejected. The financial portal ensures transparency and provides accurate results backed by accurate data and relevant information.
  3. 24x7 Support - Besides comparison convenience and easy application process, Policybazaar also offers credit card applicants a friendly and ever-so-helpful 24x7 customer support service throughout the year. This makes applying for credit card as easy as ordering food or booking a movie ticket.

Frequently Asked Questions

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

Answer: Yes, Emirates Islamic 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 Rewards Credit Card   ?

Answer: Yes! Card members can get up to 4 free, supplementary cards with Emirates Islamic 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 Rewards Credit Card. However, the annual fee is waived off upon annual card spend on AED 5000.

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

Answer: The Emirates Islamic 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 Rewards Credit Card?

Answer: Answer: Here’s a list of ways by which card members can payments for their Emirates Islamic 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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