Emirates Islamic Skywards Platinum Credit Card

A large number of expats from more than 200 different countries from across the globe call the UAE home. In fact, 88.5% of the total UAE population is composed of expatriates from different nations worldwide. Quite naturally, most of these expats often fly back to their home countries from the UAE. If sources available online are anything to go by, around 67% of the expat population of the UAE takes at least one flight every year. 

Given the fact that a huge majority of the UAE population is made up of expats who take at least 1 flight on a yearly basis, it’s no wonder why UAE’s leading bank, National Bank of Dubai and UAE’s leading airline, Emirates Airline have introduced their ground-breaking Emirates Islamic Skywards Platinum Credit Card in the UAE region.

Emirates Islamic Skywards Platinum Credit Card consistently ranks alongside some of the bestselling credit cards in the UAE. And there are plenty of good reasons for it. Attractive travel offers, exciting discounts and best-in-class Emirates’ experience are just some of the many reasons why Emirates Islamic Skywards Platinum Credit Card is so sought-after by the expats in the UAE.

About Emirates Islamic Skywards Platinum Credit Card

Emirates Islamic Skywards Platinum Credit Card is a co-branded card mutually launched by Emirates Airline and Emirates National Bank of Dubai. The card was launched with an objective to tap into the huge pool of always-on-the-go businessmen who need short-term credit, exclusive discounts and privileges. Loaded with a host of benefits and a wide range of features, Emirates Islamic Skywards Platinum Credit Card leaves absolutely no stones unturned when it comes to spoiling its cardholders for choices in terms of exclusive privileges, discount deals and unmatched experiences.

Powered with Emirates Airline’s award-winning ‘Skywards Miles’ rewards programme, Emirates Islamic Skywards Platinum Credit Card continuously rewards cardholders with Skywards Miles for every dollar spent. In addition, unmatched benefits, discounts and privileges at restaurants, and retail outlets make it popular amongst UAE nationals too. With so much and more on offer, Emirates Islamic Skywards Platinum Credit Card makes it clear why it remains the top choice for  best credit card seekers in the UAE region.

Features of Emirates Islamic Skywards Platinum Credit Card

An amazing line-up of best-in-class features adds to the ever-growing popularity of Emirates Islamic Skywards Platinum Visa Card. Here is a list of just some of the many features of Emirates Islamic Skywards Platinum Visa Card that make it such a revered financial product amongst both UAE nationals and expats, alike.

  • Complimentary Golf Fee Card
  • Balance Transfer Facility
  • Islamic credit shield
  • Up to 4 supplementary cards for family members
  • Cash withdrawalfacilities
  • 24-hour customer service facility
  • Fully Sharia-compliant

Benefits of Emirates Islamic Skywards Platinum Credit Card

Thoughtfully conceptualized to ensure optimum benefits for the frequent travellers and always-on-the-go businessmen, Emirates Islamic Skywards Platinum Credit Card leaves its card members sheer spoilt for choices with benefits galore. Here’s a little smattering on just some of the many benefits offered by Emirates Islamic Skywards Platinum Credit Card.

  • 1.5 Skywards Miles per USD spent at Emirates Airline
  • 1.1 Skywards Miles per USD for international spend
  • 0.75 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 Golf Offer
  • Unlimited, complimentary access to the lounge at Dubai International Airport Terminal 1
  • Up to 30% discounts for car rentals
  • 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 Platinum 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 Skywards Platinum Credit Card

Emirates Islamic Skywards Platinum Credit Card offers the best travel rewards and benefits, with exclusive discounts including ticket upgrades to hotel discounts and much more. The card is designed to ensure maximum savings, unmatched privileges and excellent rewards for the card members. Though there are many reasons to get this card, here is a list of 3 top reasons why Emirates Islamic Skywards Platinum Credit Card is a must-have for the UAE residents.

  1. Skywards Miles - Emirates Islamic Skywards Platinum Credit Card offers a rare chance to take advantage of Emirates Airline’s award-winning frequent flyer programme- Skywards Miles. This reward programme ensures that the card members are able to earn Skywards Miles for every dollar they spend on their card. These air miles can be redeemed for booking air tickets on flights anywhere on the Emirates network, without worrying about any black-out dates. In addition, card members may also redeem their miles to upgrade their tickets from Business class to First Class or from Economy Class to Business Class. Skywards Miles can also be used to shop, dine or purchase admission tickets for various events.
  2. Discount Rewards - In addition to the Skywards Miles, Emirates Islamic Skywards Platinum Credit Cardholders also get to enjoy exclusive discounts on shopping, dining, travel and more. Emirates Islamic Skywards Platinum Credit Cardholders get access to Mazaya Offers where they can earn up to 30% discount at restaurants, exclusive shopping discounts at Emirates’ partner outlets across the UAE and exclusive travel offers from VISA.
  3. Exclusive Golf Offer - Emirates Islamic Skywards Platinum Credit cardholders get access to complimentary Golf Fee Card. This amazing card helps golf enthusiasts avail exclusive benefits including:
  • Up to 50% reduction on green fee at over 2,300 golf clubs in 110 countries.
  • Up to 50% discount on the rack rate at 2,500 luxury hotels and golf resorts in 112 countries.
  • Up to 30% reduction at several renowned car rental companies.
  • From 10% price advantage on the purchase of golf equipment.

Emirates Islamic Skywards Platinum 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% reduction on green fee at over 2,300 golf clubs in 110 countries (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)
  • From 10% price advantage on the purchase of golf equipment (No Promo Code Required)

Fees and Charges

Annual Membership Fee

AED 700

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 Platinum Credit Card Rewards

  1. Skywards Miles - The rewards programme for Emirates Islamic Skywards Platinum Credit Card is called the ‘Skywards Miles’. This award-winning rewards programme has been carefully conceptualized and thoughtfully designed to help frequent flyers in the UAE region make the maximum bangs for their bucks.

Cardmembers get to earn Skywards Miles for every 1 USD spent the card. The accumulated reward points or Skywards Miles can later be redeemed for free flights, ticket upgrades and more.

For USD 1 retail spends, the Skywards Miles earning rates are:

Category of Spend

Miles

Emirates airline

1.5 Miles

International

1.1 Miles

Domestic

0.75 Miles

 

Maximum Eligible Spends - For a particular month, card members cannot earn Skywards Miles more than the monthly credit limit of the card. In case spend on the card exceeds the monthly credit limit, no Skywards Miles are rewarded.

Mile Earning Categories - In addition to the retail spends, card members also get to earn Skywards Rewards on other domestic spends put on the card. However, these spends have different mile earning rates.

Check out the table below to understand the different category of domestic spends and the corresponding miles that card members can earn on them.

 

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 on Emirates Islamic Skywards Platinum Credit Card in non-AED currency or foreign currency is referred to as international spend. For such spends, Emirates Islamic Skywards Platinum Credit Cardholders earn 1.1 Skywards Miles for every 1 USD.

Redemption -The Skywards Miles accumulated by spending on the Emirates Islamic Skywards Platinum Credit Card can be redeemed 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 Platinum Credit Card members also have the option to earn additional miles by downloading the ExtraMiles App. This is a limited time offer and cardholders can get to earn 2 extra Skywards Miles for every USD 1 spent when making a transaction at Booking.com, Souq.com and rentalcars.com through the ExtraMiles App.

Here’s how Emirates Islamic Skywards Platinum Credit Card members can start earning 2 additional Skywards Miles:

  • Download the ‘ExtraMiles’ App from the 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.

That’s it! Earning 2 additional Skywards Mile is just a few clicks away. But there are certain terms and conditions that card members must keep in mind:

  • 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 - Emirates Islamic Skywards Platinum Credit Card members have access to a wide range of exclusive discounts and privileges on dining, and shopping through Mazaya Offers in addition to the Skywards Miles. Furthermore, Emirates Islamic Skywards Platinum Credit Card also qualify for various deals and discounts from VISA.

How to Earn Rewards?

Cardmembers can start earning Skywards Miles by simply putting spend on their Emirates Islamic Skywards Platinum Credit Card. Skywards Miles can be earned for every successful credit card transaction equivalent to 1 USD.

Listed below is the table for spend category and the corresponding mile earning rate for Emirates Islamic Skywards Platinum Credit Card:

Category of Spend

Miles Earned

Emirates airline

2 Miles

International

1.5 Miles

Domestic

1 Miles

 

In addition to the retail spends, Emirates Islamic Skywards Platinum Credit Card members also get to earn double Skywards Miles for every transaction made at Emirates Airline. This means that for every 1 USD spent with Emirates Airline, card members get to earn 2 Skywards Miles. These Skywards Miles are calculated using the route taken, the ticket class, membership tier and air ticket type chosen by the card member. Also, Emirates Islamic Skywards Platinum Credit Card members get to earn Skywards Miles when they choose to fly with Emirates Airline’s partners.

Emirates Islamic Skywards Platinum Credit Card members also get to earn 2 extra Skywards Miles for every 1 USD spend by simply downloading Emirates’ ‘ExtraMiles’ app. 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?

It is easy to redeem ‘Skywards Miles’. In order to redeem Skywards Miles, Emirates Islamic Skywards Platinum Credit Cardmembers need to simply present their card to Emirates’ shopping and dining partners. Alternatively, card members may get in touch with Emirates’ customer service and redeem their Skywards Miles for shopping vouchers.

In addition, card members may also choose to redeem their Skywards Miles to book free flights, ticket upgrades, upgrade at check-in etc. when travelling with Emirates Airline or its partner carriers. 

In addition, card members may also redeem Skywards Miles to book stays at luxury hotels at a wide range of destinations across the globe, entry tickets for popular events. Furthermore, card members may also choose to donate their Skywards Miles to support 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 Platinum 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 Platinum Credit Card?

Those wanting to apply for Emirates Islamic Skywards Platinum Credit Card may visit Policybazaar.ae to get their application processed in less than 2 minutes. All they need to do is to fill up the application form with relevant details. Upon successful submission of the application form, one of the many credit card specialists from the company contacts the applicant to answer all queries or questions they may have about the card. Thereafter, documents are collected from the applicants to process the credit card application.  

Policybazaar.ae makes the process of buying credit cards easier, well-informed and hassle-free. With in-depth credit card information including fees, features, benefits and more, Policybazaar.ae leaves no stones unturned to help point the applicants in the right direction.

FAQ's

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

Answer: Skywards Miles are calculated taking into account the category of spend for Emirates Islamic Skywards Platinum Credit Cards. Here is a table that will help you understand the earning structure for successful transactions across various spend categories:

 

Spend Category

Spend Amount in AED

Miles Earning

General shopping

4000

817 Miles
( 4000/3.673)*0.75

Grocery Spend (domestic)

1000

103 miles
( 1000/3.673)*0.38

Dewa & Fines

2500

75 Miles
(2500/3.673)*0.11

Du or Etisalat bill

900

183 miles
(900/3.673)*0.75

International Spend

5000

1497 miles
(5000/3.673)*1.1

Grocery spend (International)

600

180 miles
(600/3.673)*1.1

Emirates Airline spend

3000

1,225 miles
(3000/3.673)*1.5

ATM Cash Withdrawal

1000

0

Total

18000

4,080 miles

 

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

Answer: Transaction made at supermarkets, grocery markets or hypermarkets are referred to as the ‘Grocery & Supermarket’ spend. 0.38 Skywards Miles are rewarded for every USD 1 ‘Grocery & Supermarket’ spend.

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

Answer: Utility Bill Payments including gas supply, telecommunication, electricity, etc. made online at e-government portals are referred to as ‘Government Services’. This category of spends also includes transaction made towards taxes, intra-government purchase, bond payments, fines, postal services, etc. 0.15 Skywards Miles are earned for every 1 USD Government Services transaction.  

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

Answer: Yes, Emirates Islamic Skywards Platinum Credit Card members can earn Skywards Miles for payment of Etisalat or du bills. 0.75 Skywards Miles is rewarded for 1 USD transaction of Etisalat or du bills.

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

Answer: Yes, Emirates Islamic Skywards Platinum Credit Card members can earn double Skywards Miles for booking at Emirates’ official website or its sales office anywhere in the world.

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

Answer: Yes, Emirates Islamic Skywards Platinum Credit Card members are allowed to withdraw 50% of the total credit limit as a 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 Platinum Credit Card members make payments for their card?

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

  • Cheque- Cardmembers can visit a designated branch of Emirates NBD and drop a cheque in the Drop Box.
  • 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 Platinum 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: When does the Skywards Miles get transferred to the card/Skywards account?

Answer: Skywards Miles earned in a statement cycle is transferred to card/Skywards account between 25th and 30th of the month after the statement cycle.

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

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