Emirates Islamic Skywards Gold Credit Card

A report by The National reveals that online travel sales in the UAE grew to reach Dh7.3bn in 2018. All thanks to the ever-growing expat population in the UAE region. Yet another report published in the Khaleej Times reveals that a fairly large number of the UAE residents are expected to travel to global destinations in 2019 and beyond.

No wonder, more and more people UAE residents want to get enrolled in award-winning frequent flyer programmes and earn free airline miles to travel across the globe, without having to spend through their nose. And when it comes to picking up the best frequent flyer programmes in the region, Emirates’ Skywards remains the most popular pick. 

Given the huge popularity of the Emirates Skywards in the region, UAE’s leading bank- National Bank of Dubai and UAE’s leading airline- Emirates Airline came together to introduce their ground-breaking Emirates Islamic Skywards Gold Credit Card for the travellers in the UAE region.

With attractive travel offers, exciting discounts, exclusive Skywards’ membership privileges and best-in-class Emirates’ experience, Emirates Islamic Skywards Gold Credit Card consistently promises absolute value for money to all sorts of travellers in the UAE region, from business travellers to leisure vacationers.

About Emirates Islamic Skywards Gold Credit Card

Emirates Islamic Skywards Gold Credit Card is a co-branded card introduced by Emirates Airline and Emirates National Bank of Dubai. This innovative and rewarding credit card aims at rewarding the huge population of travellers and frequent flyers in the UAE region.

This credit card has been carefully designed and thoughtfully conceptualized to ensure maximum rewards to the travellers in the UAE region, whenever they travel abroad or spend internationally. According to a study by VISA, with an average spend of about Dh10,000, UAE residents rank alongside the world's top 5 spenders when travelling internationally.

Loaded with the immense benefits and rewards of Emirates Airline’s award-winning Skywards Miles’ rewards programme, Emirates Islamic Skywards Gold Credit Card continuously rewards cardholders with Skywards Miles for every dollar that they spend locally and internationally. These Skywards Miles can later be redeemed for free/cheaper air tickets, airline class upgrades and much more. With a wide range of exclusive rewards and maximum-value-for-money deals on offer, Emirates Islamic Skywards Gold Credit Card leads the market when it comes to popular travel based credit cards in the UAE region. 

Features of Emirates Islamic Skywards Gold Credit Card

Emirates Islamic Skywards Gold Credit Card comes packed with a wide range of innovative and ground-breaking features to ensure maximum convenience and savings for the card-holders. Here is a list of just some of the many features of Emirates Islamic Skywards Gold Credit Card that make it so popular amongst both business and leisure travellers in the UAE region.

  • Balance transfer facility
  • Islamic credit shield
  • Up to 4 supplementary cards for family members
  • Low annual fee
  • Cash withdrawalfacilities
  • 24-hour customer service facility
  • Fully Sharia-compliant

Benefits of Emirates Islamic Skywards Gold Credit Card

Loaded with travel benefits, dining benefits and a lot more, Emirates Islamic Skywards Gold Credit Card leaves its card members sheer spoilt for choices when it comes to picking up benefits of their choice. Cardmembers get to earn benefits and rewards on each dirham they spend locally or internationally. Let’s check out just some of the many exciting benefits offered by Emirates Islamic Skywards Gold Credit Card.

  • 0.6 Skywards Miles per USD spent at Emirates Airline.
  • 0.6 Skywards Miles per USD for international spend.
  • 0.6 Skywards Miles per USD for local spend.
  • 2 additional Skyward Miles with Extra Miles App when making purchases at Souq.com, Booking.com and rentalcars.com. 
  • Exclusive travel offers from VISA.
  • Up to 30% discounts for car rentals.
  • Up to 30% discounts at restaurants across the UAE.
  • Huge discounts at partner outlets across UAE. 

Eligibility

Here’s a little smattering on the eligibility criteria for Emirates Islamic Skywards Gold Credit Card:

  • Income Eligibility- AED 7,500 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 Skywards Gold Credit Card

From exclusive Mazaya offers to free flights, and from exclusive VISA discounts to exclusive balance transfer facility, Emirates Islamic Skywards Gold Credit Card comes packed with a host of unmatched benefits and rewards for the cardholders. The card is exclusively designed to ensure maximum savings, unmatched privileges and excellent rewards for the card members, with the lowest possible annual fees. While there are unlimited reasons to get this card, here is a list of just some of the most important reasons why every traveller in the UAE region must buy Emirates Islamic Skywards Gold Credit Card.

  1. Skywards Miles - Emirates Islamic Skywards Gold Credit Card makes it easy for cardholders to access Emirates Airline’s award-winning frequent flyer programme- Skywards Miles. A large number of travellers in the UAE are often seen on a lookout for a chance to get benefits of Emirates Skywards. And Emirates Islamic Skywards Gold Credit Card does exactly that. Cardmembers get to earn 0.6 Skywards Miles (air miles) for every dollar they spend on their card. These air miles can later be redeemed for air tickets on Emirates’ flights anywhere on the Emirates network, without having to worry about black-out flying dates. These miles may also be redeemed for ticket upgrades from Economy to Business and from Business to First Class on Emirates or partner flights. In addition, card members can also use the Skywards Miles to shop, dine or buy entry tickets for popular sporting, cultural or musical events, worldwide.
  2. Discount Rewards- While earning, redeeming and using Emirates’ Skywards Miles remains the key highlight of Emirates Islamic Skywards Gold Credit Card, it also helps card members score enjoy exclusive Mazaya offers on shopping, dining, entertainment and more. Emirates Islamic Skywards Gold Credit Card members can get 30% discount at plush restaurants across the UAE, exclusive shopping discounts at Emirates’ partner outlets and a wide range of leisure and entertainment benefits with exclusive Mazaya offers. In addition to Mazaya offers, Emirates Islamic Skywards Gold Credit Card can also earn exclusive travel offers and discounts from VISA.
  3. Balance Transfer Facility- Emirates Islamic Skywards Gold Credit Cardholders get access to exclusive balance transfer facility with the card. Cardmembers can pay off their outstanding balance to other banks through their Emirates Islamic Skywards Gold Credit Card, without having to pay anything extra for the balance transferred. This facility can help card members save time and money when transferring outstanding balance to other banks. 

Emirates Islamic Skywards Gold Credit Card Offers (Updated in June 2018)

  • 20% Off Roxy Cinemas (No Promo Code Required)
  • Up to 30% off at over 2000 restaurants in the UAE (No Promo Code Required)
  • Up to 35% off on Avis car rental service (No Promo Code Required)
  • Up to 12% off at Agoda (No Promo Code Required)
  • 8% off at Booking.com (Promo Code - VISA8)
  • Discounts on airport transfer service with Careem Rides (No Promo Code Required)
  • Up to 50% discount on the rack rate at 2,500 luxury hotels and golf resorts in 112 countries (No Promo Code Required)
  • Up to 30% reduction at several renowned car rental companies (No Promo Code Required)

Fees and Charges

Annual Membership Fee

AED 400

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 Skywards Gold Credit Card Rewards

  1. Skywards Miles- Emirates Islamic Skywards Gold Credit Card offers its card members access to the exclusive and popular Emirates Skywards loyalty programme. Emirates Skywards is one of the most sought-after and popular frequent flyer programmes in the world, which has been carefully conceptualized and thoughtfully designed to ensure maximum value-for-money for travellers and frequent flyers.

Emirates Islamic Skywards Gold Credit Card allows card members to earn Skywards Miles for every 1 USD that they spend on the card. The total reward points or Skywards Miles accumulated by the card members can later be redeemed for free flights, ticket upgrades and many more rewards, benefits and exclusive privileges.

Emirates Islamic Skywards Gold Credit Card offers the following reward rate for USD 1 retail spend on the card:

Category of Spend

Miles

Emirates airline

0.6 Miles

International

0.6 Miles

Domestic

0.6 Miles


Maximum Eligible Spends-
 It is important to note that Emirates Islamic Skywards Gold Credit Card doesn’t allow card members to earn Skywards Miles exceeding the card’s monthly credit limit. For spends that exceed the monthly credit limit of the card, no Skywards Miles will be provided.

Mile Earning Categories- Along with the retail spends, card members also earn Skywards Rewards when putting other domestic spends on their Emirates Islamic Skywards Gold Credit Card. However, it is vital to know that these other domestic spends do not have the same earning rates as the retail spends.

Here’s a table that illustrates the different category of domestic spends and the corresponding miles that card members can earn on them.

 

Spend Category

Miles Earning (% of Base Miles)

Insurance

15%

Education

15%

Car Dealership

15%

Fuel/Petroleum

25% (Effective March 2019)

Telecommunication Payment

25% (Effective March 2019)

Real Estate

25% (Effective March 2019)

  

International Spends- Transactions made on Emirates Islamic Skywards Gold Credit Card in non-AED currency or foreign currency is called international spend, and any international spend put on the card earns 0.6 Skywards Miles for every 1 USD.

Redemption- Cardmembers can redeem the Skywards Miles accumulated on their Emirates Islamic Skywards Gold Credit Card for a wide range of rewards, benefits or exclusive privileges. Here are some such benefits that Skywards Miles are redeemable against: 

  • Free air tickets on flights anywhere on the Emirates network
  • Ticket/Class upgrades 
  • Instant upgrades on check-in
  • Shopping at participating partners
  • Admission tickets/passes for popular events
  • Charity
  1. Extra Miles- Emirates Islamic Skywards Gold Credit Card members also get to earn extra miles by simply downloading the ExtraMiles App and using it. However, it is important to understand that it is a limited time offer. Under this offer, Emirates Islamic Skywards Gold Credit Cardmembers can earn 2 extra Skywards Miles for every USD 1 that they spend on their card. Qualifying transactions must be made on Booking.com, Souq.com and rentalcars.com through the ExtraMiles App.

Listed below are the easy steps by which Emirates Islamic Skywards Gold Credit Card members can start earning 2 additional Skywards Miles:

  • Download the ExtraMiles App from Google Play Store or Apple App Store.
  • Register and submit the first 6 digits of the credit card number.
  • Submit the Skywards Membership Number followed by the registered mobile number.

It is important to understand that there are certain rules and regulations that one must keep in mind when trying to earn extra miles using the ExtraMiles app:

  • This offer is available only for Emirates Islamic Skywards Cards.
  • The additional Skywards Miles are rewarded upon making the actual payment and not just booking.
  • Extra Skyward Miles are awarded within 6 weeks from the date of the successful transaction.
  1. Discount Rewards- In addition to the Skywards Miles, Emirates Islamic Skywards Gold Credit Card members have access to a wide range of exclusive privileges and exciting discounts by putting spend on the card. These rewards and benefits offer exciting Mazaya Offers on travel, entertainment, dining, shopping and more and amazing VISA offers on car rentals, movies, hotel bookings, etc.

How to Earn Rewards?

It is easy to start earning Skywards Miles using the Emirates Islamic Skywards Gold Credit Card. the cardholder can simply use the card to make different transactions both locally and internationally to earn Skywards Miles. For every 1 USD spend put on the Emirates Islamic Skywards Gold Credit Card, 0.6 Skywards Miles can be earned as a reward.

Here’s the table that illustrates the spend category and the corresponding mile earning rate for Emirates Islamic Skywards Gold Credit Card:

Category of Spend

Miles Earned

Emirates Airline

0.6 Miles

International

0.6 Miles

Domestic

0.6 Miles

 

In addition, Emirates Islamic Skywards Gold Credit Card members can also earn double Skywards Miles for every transaction made through the ExtraMiles app. This means that for every 1 USD spent through the app, card members can earn 2 Skywards Miles. The extra Skywards Miles earned through the app are added to the account within 6 weeks of the completion of the successful transaction through the app.

How to Redeem Your Points?

Redeeming Skywards Miles is a super easy process and Emirates Islamic Skywards Gold Credit Cardmembers can redeem their air miles for a wide range of exclusive discounts, travel benefits and offers.

To redeem Skywards Miles, Emirates Islamic Skywards Gold Credit Card members can simply present their card to Emirates’ shopping and dining partners. Also, card members can contact the ever-so-helpful Emirates customer service and choose to redeem their Skywards Miles for shopping, dining and entertainment vouchers.

Alternatively, Emirates Islamic Skywards Gold Credit Card members may also redeem their Skywards Miles to book free air tickets on Emirates’ or partner flights, to upgrade their class of air travel, priority check-in, and much more. These rewards are available for Emirates Islamic Skywards Gold Credit Card members when travelling with Emirates Airline and its partner carriers.

Besides, interested card members may also redeem their Skywards Miles to book luxury hotel stays at popular destinations across the globe, and to get free admission tickets to popular sporting, cultural and musical events worldwide. Furthermore, card members may also donate their Skywards Miles to support charitable organizations of their choice.

Please note- Skywards Miles are valid for three years.

Additional Information / Documentation

Here is a list of documents that applicants need to have in order to get Emirates Islamic Skywards Gold Credit Card:

  • Income documents/recent pay slips (Salaried individuals)
  • Passport copy
  • Resident visa
  • Emirates id
  • 3-6 months bank statement
  • Credit card copy
  • Recent credit card statement
  • Residence proof
  • Address Proofs

How to Apply For Emirates Islamic Skywards Gold Credit Card?

Emirates Islamic Skywards Gold Credit Card is not just a status symbol, but a useful financial instrument that helps earn unlimited benefits and rewards for every dirham spent. But here’s the deal: unawareness of the complete benefits, features and terms & conditions of any credit card may lead to card members’ not really making the maximum bangs for their bucks spent on the card. This is why it makes sense to get acquainted with the standout features, rewarding benefits and reading the fine prints of Emirates Islamic Skywards Gold Credit Card before applying for this card.

This is where Policybazaar.ae comes to the rescue of credit card in the UAE region. The company helps compare Emirates Islamic Skywards Gold Credit Card with other similar cards in its category to understand if it is the right and best credit card for credit card seekers. In addition, the company also helps credit card seekers get acquainted with the fine prints and terms & conditions of the credit card to point credit card applicants in the right direction.

The best part- credit card seekers can apply for Emirates Islamic Skywards Gold Credit Card online at policybazaar.ae in just a few seconds and start enjoying attractive premium benefits and reward points.

FAQ's

Question 1: How are Miles calculated for spends on Emirates Islamic Skywards Gold Credit Card? 

Answer: For Emirates Islamic Skywards Gold Credit Cards, the total Skywards Miles are calculated taking into account the total spend made on the card in a particular billing cycle. Check out the table below to understand the earning structure for transactions across various spending categories for Emirates Islamic Skywards Gold Credit Cards.

 

Spend Category

Spend Amount in AED

Miles Earning

General shopping

4000

653 Miles
( 4000/3.673)X0.6

Grocery Spend (Domestic)

1000

Not Applicable

Dewa & Fines

2500

Not Applicable

Du or Etisalat bill

900

147 miles
(900/3.673)X0.6

International Spend

5000

816 miles
(5000/3.673)X0.6

Grocery spend (International)

600

98 miles
(600/3.673)X0.6

Emirates Airline spend

3000

490 miles
(3000/3.673)X0.6

ATM Cash Withdrawal

1000

0

Total

18000

2,204  miles

 

Question 2: Do ‘Grocery and Supermarket’ spends earn Skywards Miles on Emirates Islamic Skywards Gold Credit Card?

Answer: No. Transaction made at supermarkets, grocery markets or hypermarkets with Emirates Islamic Skywards Gold Credit Card do not earn any Skywards Miles on.

Question 3: Do international transactions at supermarkets or government services earn Skywards Miles on Emirates Islamic Skywards Gold Credit Card?

Answer: Yes! International transactions made at supermarkets or government services with Emirates Islamic Skywards Gold Credit Card earn 0.6 Skywards Miles for every 1 USD worth of spending.

Question 4: Does Emirates Islamic Skywards Gold Credit Card provide Skywards Miles on Etisalat & du bill?

Answer: Yes! Emirates Islamic Skywards Gold Credit Card members can earn Skywards Miles for payment of Etisalat or du bills. 0.6 Skywards Miles is rewarded for 1 USD transaction of Etisalat or du bills.

Question 5: How many Skywards Miles does Emirates Islamic Skywards Gold Credit Card members earn when booking air tickets with Emirates Airline?

Answer: Emirates Islamic Skywards Gold Credit Cardmembers can earn 0.6 Skywards Miles when booking at Emirates’ official website or its sales office anywhere in the world.

Question 6: Does Emirates Islamic Skywards Gold Credit Card allow cash withdrawals?

Answer: Yes, Emirates Islamic Skywards Gold Credit Card members are allowed to withdraw 50% of the total credit limit as for cash advance. Please be advised that there is a cash advance fee that may be charged for cash withdrawals.

Question 7: How can Emirates Islamic Skywards Gold Credit Card members make payments for their card?

Answer: There are multiple ways to make payment for the Emirates Islamic Skywards Gold Credit Card.

  • Cheque– Cardmembers can visit a designated branch of Emirates NBD and drop a cheque in the DropBox.

Please Note- It typically takes 3-5 working days for cheques to get cleared.

  • Exchange Houses- Cardmembers may also visit one of the many UAE exchanges such as Al Rostamani Exchange, Al Fardan Exchange House, and Al Ansari Exchange and make the payment there.

Please Note-  The maximum cash allowed to be paid at UAE exchanges is 35,000 per day. Payments made at UAE exchange may take 2-3 working days to reflect.

  • Online- Cardmembers may also visit the official website of Emirates Islamic Cards and make the payments online.
  • Auto Payment- Emirates also allows card members to use Auto Payment Transfer facility to get their payments automatically deducted from their bank accounts.
  • Cash at Counter- Cardmembers may also visit one of the many Emirates’ branches and make the payments over the counter
  • Cash Deposit Machines- Cardmembers may also make the payments using the cash deposit machines.

Question 8: Can Emirates Islamic Skywards Gold Credit Card get supplementary cards?

Answer: Yes, up to 4 supplementary cards may be provided to the card members, free of cost. These supplementary cards also allow card members to earn Skywards Miles. 

Question 9: Is Emirates Islamic Skywards Gold Credit Card a Sharia-compliant card?

Answer: Yes! Emirates Islamic Skywards Gold Credit Card is a Sharia-compliant card. There are no interests charged on the card.