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Emirates Islamic Skywards Infinite Credit Card

A report by Global Media Insights reveals that more than 85% of the total population of the UAE is composed of expatriates. Quite naturally, a large majority of the UAE population flies off from the country frequently. Now given the fact that a large majority of the UAE residents are expats, who often fly away from the country, travel miles remain a high-valued reward and airline frequent flyer programmes remain most sought-after loyalty programmes for the UAE nationals and expatriates, alike.

In order to tap into the huge pool of the UAE nationals and expats who travel frequently, Emirates Airline, the largest airline in the UAE and Emirates National Bank of Dubai, UAE’s leading Islamic bank, joined forces to offer Emirates Islamic Skywards Infinite Visa Credit Card.

Emirates Islamic Skywards Infinite Visa Credit Card allows credit card holder to earn Skywards Miles, (Emirates’ popular frequent flyer programme) for every dirham they spend. This innovative and revolutionary credit card comes loaded with a wide range of unmatched benefits and rewards for the frequent flyers in the UAE.

About Emirates Islamic Skywards Infinite Credit Card

Emirates Islamic Skywards Infinite Visa Credit Card has been carefully conceptualized and thoughtfully designed by Emirates Islamic Bank to ensure maximum savings, attractive discounts and unparalleled rewards for the travellers in the UAE. Quite expectedly, Emirates Islamic Skywards Infinite Visa Credit Card has consistently ranked alongside some of the bestselling and most sought-after credit cards by UAE nationals and expats, alike.

Ideal for all type of travellers, from business travellers to leisure vacationers, Emirates Islamic Skywards Infinite Visa Credit Card offers up to 2 skywards miles for every 1 USD spent on the card. In addition, the card offers complimentary access to more than 900 premium airport lounges, up to 30% discounts at restaurants across the UAE and much more.

Features of Emirates Islamic Skywards Infinite Credit Card

Emirates Islamic Skywards Infinite Visa Credit Card is loaded with a wide range of innovative features that invariably make it the preferred choice for both UAE nationals and expats, alike. Listed below are just some of the many innovative features of Emirates Islamic Skywards Infinite Credit Card that make it a preferred choice amongst the traveller community in the UAE.

  • Complimentary Emirates Skywards Silver Membership
  • Complimentary Lounge Access
  • Free Extended Warranty on purchases
  • Purchase Protection for lost, stolen or damaged goods purchased
  • Multi-trip travel insurance
  • Balancer Transfer feature
  • International multilingual global assistance
  • Exclusive Visa Infinite offers
  • Instant cash advance facility
  • Credit Sheild Feature
  • Global Concierge facility

Benefits of Emirates Islamic Skywards Infinite Credit Card

Emirates Islamic Skywards Infinite Credit Card is a bestselling credit card that offers an exclusive range of rewards and benefits for the cardholders. Offering huge savings, attractive rewards, and utter convenience, Emirates Islamic Skywards Infinite Visa Credit Card makes it pretty clear why it remains a prized possession for the travellers in the UAE. Listed below are just some of the many benefits of the credit card.

  • 2 Skywards Miles per USD spent at Emirates Airline.
  • 1.5 Skywards Miles per USD for international spend.
  • 1 Skywards Miles per USD for local spend.
  • 2 additional Skyward Miles with Extra Miles App when making purchases at Souq.com, hotel bookings at Booking.com and car rentals at rentalcars.com. 
  • 1,00,000 bonus Miles upon payment of joining fee (AED 2000) and membership fee (AED 999).
  • 20,000 Skywards Miles as a welcome bonus (after first retail purchase).
  • Unlimited Complimentary golf 7 days a week in UAE and across the world.
  • Automatic upgrade to Emirates Skywards silver membership.
  • 0% Instalment for 3 months on Emirates Airline tickets.
  • Free valet parking.
  • Unlimited complimentary, free access to over 900 airport lounges.
  • Free Emirates Flights using Skywards Miles.
  • Free upgrades on Emirates flights.
  • Up to 30% discounts at restaurants across the UAE.
  • Huge discounts at partner outlets across UAE. 
  • Exclusive travel benefits by VISA.

Eligibility

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

  • Income Eligibility - AED 25,000 (Minimum monthly income)
  • Residential Eligibility - UAE residents with valid UAE Residence Visa
  • Verification Eligibility - Age/Id Proofs

Top Reasons to Get Emirates Islamic Skywards Infinite Credit Card

Emirates Airline’s Skywards Miles, complimentary lounge access, multi-trip travel insurance, there is absolutely no dearth of excuses to get the much-acclaimed Emirates Islamic Skywards Infinite Credit Card. Let’s check out just 5 top reasons why Emirates Islamic Skywards Infinite Credit Card makes for the best bet for both the UAE nationals and expats, alike.

  1. Acclaimed Rewards Programme - Emirates Airline is one of the biggest airlines in the UAE and is known for its frequent flyer programme, Skywards. In fact, a large number of people from all across the globe are often found looking for ways to get enrolled for this award-winning frequent flyer programme. Emirates Islamic Skywards Infinite Credit Card makes it easy for the UAE residents to get the maximum benefits of Emirates’ acclaimed Skywards frequent flyer programme. Cardholders get to earn 2 Skywards Miles for every 1 USD spent on the card. These miles can be redeemed for free flights, class upgrades and much more.
  2. Discounts Galore - In addition to its award-winning Skywards programme, Emirates Islamic Skywards Infinite Credit Card spoils its members with Mazaya Offers to ensure a wide range of exclusive deals and discounts at restaurants and retailers across the UAE. Cardmembers can earn a whopping up to 30% discount at restaurants across the UAE, and attractive shopping discounts at Emirates’ shopping partner outlets across the UAE. In addition, card members also get exclusive travel benefits from Visa.
  3. Complimentary Lounge Access - Emirates Islamic Skywards Infinite Credit cardholders get unlimited, complimentary access to more than 900 airport lounges across a wide range of destinations including the UAE, USA, Singapore, Thailand, UK, Egypt, Turkey, and more.
  4. Complimentary Multi-Trip Travel Insurance - Emirates Islamic Skywards Infinite Credit Card offers complimentary multi-trip travel insurance to ensure that the card members are protected against travel accidents and travel inconvenience with a comprehensive multi-trip travel insurance plan for up to 90 days duration. 
  5. Purchase Protection- Emirates Islamic Skywards Infinite Credit Card comes loaded with Purchase Protection benefit to ensure peace of mind for cardholders each time they make a purchase on the card. This amazing feature protects card members against theft or accidental damage of purchased items for 1 year from the date of purchase.

Emirates Islamic Skywards Infinite 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)

Fees and Charges

 

Annual Membership Fee

AED 2000

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 Infinite Credit Card Rewards

1. Skywards Miles - Skywards Miles is the reward programme for Emirates Islamic Skywards Infinite Credit Card members. Cardmembers get to earn miles on every 1 USD they spend on the card. For every USD 1 retail spend, card members get the below mentioned earning rates.

Category of Spend

Miles

Emirates Airline

2 Miles

International

1.5 Miles

Domestic

1 Miles

 

Maximum Eligible Spends - Card members get to earn as many Skywards Miles as the monthly credit limit in one month. Any spend exceeding the monthly assigned credit limit doesn’t qualify to earn Skywards Miles.

Mile Earning Categories - In addition to the retail spends, where the cardholder can earn Skywards Miles, there are a few retail domestic spends that have different mile earning rates. Listed below is a little smattering on the different category of such retail domestic spends and corresponding miles earned on such spends.

 

Spend Category

Miles Earning (% of Base Miles)

Grocery / Supermarkets

50%

Real Estate

50%

Insurance

15%

Education

15%

Government Services

15%

Car Dealership

15%

Fuel/Petroleum

25% (Effective March 2019)

Telecommunication Payment

25% (Effective March 2019)

Real Estate

25% (Effective March 2019)


International Spends -
 Any transaction made internationally in non-AED currency or foreign currency qualifies as international spend and is liable to earn 1.5 Skywards Miles for every 1 USD spent.

Redemption - The Skywards Miles collected can be redeemed for a wide range of privileges, discounts, and benefits. Some such ways to redeem Skywards Miles are:

  • Free air tickets.
  • Automatic upgrade to Emirates Skywards Silver membership.
  • Unlimited Complimentary golf.
  • Free upgrades.
  • Free valet parking.

2. Extra Miles– In addition to the regular rates of Skywards Miles, Emirates Islamic Skywards Infinite Credit Card also allows card member to earn additional Skywards Miles and enjoy special privileges by simply downloading the ExtraMiles App.

With ExtraMiles App, card member gets to earn 2 extra Skywards Miles for the transaction of every 1 USD at hotels.com, Souq.com, and rentalcars.com. The additional Skyward Miles are added to the credit card account within 6 weeks from the date of the successful transaction.

It is very easy to use the Extramile app and start collecting extra Skywards Miles. All card member needs to do is to download the app from Google Play Store or Apple App Store, register and enter the first 6 digits of their Emirates Islamic Skywards Infinite Credit Card, enter their registered contact number and Skywards Membership number. That’s it! It really is simple to download the Extramile App and double the Skywards Miles reward.

Please note: This benefit is available only for a limited period.

3. Discount Rewards - Emirates Islamic Skywards Infinite Credit card members don’t only get to earn skyward miles, but also get to earn exclusive discounts worth hundreds thousands for retail purchases, travel and dining through Mazaya Offers. Here’s what on discount for Emirates Islamic Skywards Infinite Credit card members.

  • Up to 30% at restaurants across the UAE.
  • Exclusive Discounts at Emirates’ retail partner outlets across UAE.
  • Exclusive Visa travel discounts.
  • Discounted access to top-notch golf clubs.
  • 20% off on Roxy Cinemas.

How to Earn Rewards?

With Emirates Islamic Skywards Infinite Credit Card, earning Skywards Miles is simple and easy. Cardmembers get to earn Skywards Miles every time they make a successful transaction on their Emirates Islamic Skywards Infinite Credit Card or fly with Emirates Airline and/or partner airlines.

Cardmembers earn miles on every 1 USD spent on the card. For every USD 1 spent, card members get:

 

Category of Spend

Miles Earned

Emirates airline

2 Miles

International

1.5 Miles

Domestic

1 Miles

 

When flying with Emirates Airline, Emirates Islamic Skywards Infinite Credit card members get to earn 2 Miles for every 1 USD spent. These Skywards Miles are calculated basis the route taken, airline class, tier of membership and fare type. Cardmembers even get to earn Skywards Miles when flying with partner airlines of Emirates. These Skywards Miles are credited to the card account after card members complete their journey to their destination airport.

In addition, Emirates Islamic Skywards Infinite Credit Card member also get to earn Skywards Miles by downloading the Extramiles App. With ExtraMiles App, card members earn 2 additional Skywards Miles for every USD 1 spent when making purchases at Souq.com, hotels.com, and rentalcars.com. The additional Skyward Miles are added to the credit card account within 6 weeks from the date of the successful transaction. Please be advised, this is a limited period offer for Emirates Islamic Skywards Infinite Credit card members.

How to Redeem Your Points?

Quite like earning, redeeming Skywards Miles is also very simple and easy. Emirates Islamic Skywards Infinite Credit Card customers can choose and book free air tickets at Emirates Airline or upgrade the class of travel by redeeming their Skywards Miles.

In addition, card member may also choose to redeem their Skywards Miles to fly with partner airlines of Emirates. Skywards Miles may also be redeemed to book luxury hotel stays, tickets to recreational events or even admission passes to cultural events. These Skywards Miles may also be redeemed to make retail purchases at one of the Emirates’ retail partners. Card member may also choose to donate their Skywards Miles to support a wide range of charitable organizations.

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 Infinite 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 Infinite Credit Card?

Applying for Emirates Islamic Skywards Infinite Credit Card is easy and interested UAE residents and expats may visit the official website of Emirates Islamic Skywards Infinite Credit Card or Emirates National Bank of Dubai to fill up the application form for the same.

In order to get acquainted with the various other features, benefits, fee structure and intricacies of Emirates Islamic Skywards Infinite Credit Card, the applicants may also visit Policybazaar.ae. The platform allows them to compare Emirates Islamic Skywards Infinite Credit Card with similar cards in the category to make a well-informed decision.

Furthermore, they can easily apply for Emirates Islamic Skywards Infinite Credit Card from Policybazaar.ae. Upon successful submission of their application form, one of the expert credit card advisors from Policybazaar.ae would get in touch with them to assist them with all their questions and queries about Emirates Islamic Skywards Infinite Credit Card. With Policybazaar.ae, applying for Emirates Islamic Skywards Infinite Credit Card is a nothing less than a breeze. 

FAQ's

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

Answer: Skywards Miles are calculated depending upon the spend category. Please check out the table below to understand the earning structures for successful transactions across different spend categories made on Emirates Islamic Skywards Infinite Credit Card.

 

Spend Category

Spend Amount in AED

Miles Earning

General shopping

4000

1089 Miles
( 4000/3.673)

Grocery Spend (domestic)

1000

136 Miles
( 1000/3.673)*0.5

Dewa & Fines

2500

102 Miles
(2500/3.673)*0.15

Du or Etisalat bill

900

245 Miles
(900/3.673)

International Spend

5000

2042 Miles
(5000/3.673)*1.5

Grocery spend (International)

600

245 Miles
(600/3.673)*1.5

Emirates Airline spend

3000

1633 Miles
(3000/3.673)*2

ATM Cash Withdrawal

1000

0

Total

18000

5492 miles

 

Question 2: What transactions are considered to be ‘Grocery and Supermarket’ spends on Emirates Islamic Skywards Infinite Credit Card?

Answer: Transactions made at hypermarkets, supermarkets, grocery stores, etc. are typically considered to be ‘Grocery & Supermarket’ spend. These transactions help card members earn 0.38 Skywards Miles for every USD 1 spent.

Question 3: What transactions are considered to be ‘Government Services’ spends on Emirates Islamic Skywards Infinite Credit Card?

Answer: Online transactions made via e-government portal for Utility Bill Payments such as electricity, gas supply, telecommunication, etc. are considered to be ‘Government Services.’ In addition, transactions made towards fines, taxes, intra-government purchase, bond payments, postal services, etc. also fall under the ‘Government Services’ transaction category. These transactions earn 0.15 Skywards Miles for every USD 1.

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

Answer: Yes! Emirates Islamic Skywards Infinite Credit Card members get to earn Skywards Miles on payment of Etisalat or du bill. These transactions earn Skywards Miles at normal domestic rate, which is 1 Skywards Miles per 1 USD.

Question 5: Do Emirates Islamic Skywards Infinite Credit Card members earn double miles when booking air tickets with Emirates Airline?

Answer: Yes! Emirates Islamic Skywards Infinite Credit Card members earn double miles when booking air tickets with Emirates Airline, be it online at Emirates’ official website or its sales office anywhere in the world.

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

Answer: Yes! Emirates Islamic Skywards Infinite Credit Card members can withdraw as much as 50% of their total credit limit. Please be advised that a cash advance fee is charged for cash withdrawals via Emirates Islamic Skywards Infinite Credit Card.

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

Answer: Listed below are the different ways by which Emirates Islamic Skywards Infinite Credit Card members can make payments:

  • Cheque – Card members can drop a cheque in the Drop Box available at all designated branches of Emirates NBD.

Note: it may take 3-5 working days for the cheques to get cleared.

  • Exchange Houses - Cardmembers may also make payments at one of the UAE exchanges including Al Rostamani Exchange, Al Fardan Exchange House, and Al Ansari Exchange. Please Note: At exchanges, the maximum cash that can be paid is AED 35,000 daily. Payments made at UAE exchange may take 2-3 working days to reflect in the card account.
  • Online - Cardmembers may also choose to make the payments online.
  • Auto Payment - Card members may choose to get their payments deducted automatically from their bank accounts using the Auto Payment Transfer facility.
  • Cash at Counter - Cardmembers may also make cash payments at one of the many Emirates’ branches.
  • Cash Deposit Machines - Payments can also be made using the cash deposit machines.

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

Answer: Yes! Cardmembers can get up to 4 supplementary cards for their family members. Supplementary cards are also eligible to earn discounts available on the primary card. In addition, purchases made using supplementary cards also attract reward points.

Question 9: When does the Skywards Miles get transferred to the card/Skywards account?

Answer: Skywards Miles earned on the Emirates Islamic Skywards Infinite Credit Card in a particular statement cycle is typically transferred to card/Skywards account between 25th and 30th of the month after the statement cycle.

Question 10: Is Emirates Islamic Skywards Infinite Credit Card a Sharia compliant card?

Answer: Yes! The Emirates Islamic Skywards Credit Card is a Sharia compliant card. There is no interest charged on the card.

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