The following article provides in-depth information on Emirates Islamic Bank auto debit credit card payments via both mobile and online banking methods.
The UAE is home to a majority of expats from more than 200 countries. In fact, a survey report reveals that more than 88.5% of the total UAE population is made up of expatriates. And over 67% of the expat population takes at least one annual trip to their home countries.
Given the huge population of expats that 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 joined forces to offer Emirates’ Islamic Skywards Signature credit card that promises a world of savings to the travellers in the region.
Emirates’ Islamic Skywards Signature Credit Card comes loaded with a potpourri of unmatched rewards and attractive benefits for frequent flyers in the UAE. This one-of-its-kind credit card has been thoughtfully designed to provide the UAE's travellers with attractive travel offers, exciting discounts, and unlimited savings.
Given the fact that 67% of the UAE’s expat population is often found hunting for bargain deals on air tickets, UAE’s leading bank- National Bank of Dubai and UAE’s leading airline, Emirates Airline have joined forces to launch the benefit-laden, co-branded Emirates Islamic Skywards Signature Credit Card that helps cardholders consolidate their travel spends and earn travel rewards for every dirham they spend. Since its launch, Emirates Islamic Skywards Signature Credit Card has consistently topped all popularity charts amongst UAE nationals and expats, alike.
Emirates Islamic Skywards Signature Credit Card rewards its cardholders continuously with the ever-so-popular Skywards Miles, Emirates Airline frequent flyer programme benefit, for every dirham spent. The best part is that cardholders can earn Skywards Miles even on everyday spends including their Etisalat or du bill. Quite expectedly, Emirates Islamic Skywards Signature Credit Card invariably tops the polls when it comes to picking the most-sought-after and best credit cards in UAE region.
With a wide range of features on offer, Emirates Islamic Skywards Signature Visa Card makes it easy to understand why it remains one of the most popular credit cards in the region. Here are just some of the many standout features of Emirates Islamic Skywards Signature Credit Card that help cardholders access the exclusive privileges reserved only for the select few.
Emirates Islamic Skywards Signature Credit Card is an elite credit card that has been carefully conceptualized to ensure a lot of benefits and rewards for cardholders. The ocean of benefits offered by this bestselling credit card helps cardholders ensure maximum savings, in the form of Skywards Miles and exclusive discounts. Here’s a little smattering on just some of the many benefits offered by this Emirates Islamic Credit Card.
Here’s a little smattering on the eligibility criteria for Emirates Islamic Skywards Signature Credit Card:
The much acclaimed Skywards membership, exclusive discount deals, multi-trip travel insurance, there are multiple reasons to get the much-applauded Emirates Islamic Skywards Signature Credit Card. Here are 5 top reasons why Emirates Islamic Skywards Signature Credit Card remains so popular amongst the frequent flyers in the UAE region.
|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%|
|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|
A. Skywards Miles- Emirates Islamic Skywards Signature Credit Card’s award-winning reward programme is called the ‘Skywards Miles’. This innovative rewards programme ensures maximum savings for the card members. For every 1 USD spent, the card members get to earn Skywards Miles that can be redeemed for free flights, class upgrades and more.
For USD 1 retail spend, the Skywards Miles earning rates are:
|Category of Spend||Miles|
|Emirates airline||1.5 Miles|
Maximum Eligible Spends- In any given month, card members can earn Skywards Miles up to the monthly credit limit of the card. However, no Skywards Miles are rewarded for spends exceeding the monthly credit limit.
Mile Earning Categories- Besides the retail spends, cardholders can also earn Skywards Rewards on a few other domestic spends. These spends have different mile earning rates. Here is the table illustrating the different categories of such domestic spends and the corresponding miles earned on such domestic spends.
|Spend Category||Miles Earning (% of Base Miles)|
|Grocery / Supermarkets||50%|
|Fuel/Petroleum||25% (Effective March 2019)|
|Telecommunication Payment||25% (Effective March 2019)|
|Real Estate||25% (Effective March 2019)|
International Spends- International Spend is any transaction put on Emirates Islamic Skywards Signature Credit Card in non-AED currency or foreign currency. Such spend attracts 1.1 Skywards Miles for every 1 USD spend.
Redemption- Emirates Islamic Skywards Signature Credit Cardholders can redeem their Skywards Miles for a wide range of privileges and benefits. Some such benefits are:
B. Extra Miles- In addition to the regular Skywards Miles that Emirates Islamic Skywards Signature Credit Cardholders get to earn, the card also allows for earning Extra Skywards Miles. As a special offer, Emirates Islamic Skywards Signature Credit Cardholders can earn 2 extra Skywards Miles for USD 1 spent when making a transaction at Booking.com, Souq.com and rentalcars.com through Emirates’ exclusive ExtraMiles App.
In order to start earning extra Skywards Miles, card members need to download the ExtraMiles App from Google Play Store or Apple App Store, register, feed in the first 6 digits of their credit card number and then their Skywards Membership Number followed by their registered mobile number. Upon successful submission of this information, card members can start using the ExtraMiles app and start earning the 2 extra miles for every 1 USD spend.
Here’s a list of some terms and conditions pertaining to ExtraMiles App:
C. Discount Rewards- In addition to the Skywards Miles, Emirates Islamic Skywards Signature Credit card members can also earn a wide range of discount deals on travel, dining and shopping through Mazaya Offers and VISA. Listed below are just some of the many discount deals available for Emirates Islamic Skywards Signature Credit card members:
Emirates Islamic Skywards Signature Credit Card can easily earn Skywards Miles, without having to run from pillar to post. For every successful credit card transaction equivalent to 1 USD, card members get to earn Skywards Miles. Listed below is the table for spend category and the corresponding mile earning rate for Emirates Islamic Skywards Signature Credit Card:
|Category of Spend||Miles Earned|
|Emirates airline||2 Miles|
In addition, Emirates Islamic Skywards Signature Credit Card members get to earn 2 Skywards Miles when making a transaction of 1 USD at Emirates’ website. Cardmembers flying with Emirates Airline get to earn 2 Miles for every 1 USD spent. These Skywards Miles are calculated taking into account the route taken by the card member, the class of booking in the airline, membership tier for Skywards and type of airfare chosen by the card member.
Emirates Islamic Skywards Signature Credit Card members also earn Skywards Miles when flying with Emirates Airline’s partners. Here, it is important to understand that these Skywards Miles are added to the card account only after the completion of the journey.
As mentioned above, Emirates Islamic Skywards Signature Credit Card members can 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.
Emirates Islamic Skywards Signature Credit Card’s Skywards Miles are super easy to redeem. Cardmembers can simply redeem their Skywards Miles to book free air tickets or upgrade their class of travel when flying with Emirates Airline or its partner carriers.
In addition, card members may also redeem Skywards Miles to book stays at luxe hotels at a wide range of destinations, admission tickets to multiple recreational events or for shopping at Emirates’ partner retail outlets. Furthermore, these Skywards Miles may also be donated to support charitable organizations.
Please note: Skywards Miles are valid for three years.
Here is a list of documents that applicants need to have in order to get Emirates Islamic Skywards Signature Credit Card:
Applicants looking to get Emirates Islamic Skywards Signature Credit Cards may visit Policybazaar.ae and simply fill up the application form. Upon successful submission of the application form, one of the many credit card specialists from the company will contact the applicants to collect the relevant documents and process the credit card application.
Policybazaar.ae is a revolutionary platform that has been designed to make the process of buying credit cards smoother and hassle-free. The in-depth credit card information along with their features, benefits and fee structure available on the website is intended to help applicants make well-informed decisions.
|Other Emirates Islamic Credit Cards|
|Emirates Islamic RTA Card||Emirates Islamic Cashback Credit Card|
|Emirates Islamic Flex Elite Credit Card||Emirates Islamic Etihad Guest Platinum Credit Card|
|Emirates Islamic Cashback Plus Credit Card||Emirates Islamic Skywards Infinite Credit Card|
|Emirates Islamic Emarati Credit Card||Emirates Islamic Skywards Black Credit Card|
|Emirates Islamic Etihad Guest Premium Credit Card||Emirates Islamic Flex Credit Card|
|Emirates Islamic Flex Platinum Credit Card||Emirates Islamic Etihad Guest Ameera Credit Card|
|Emirates Islamic Etihad Guest Saqer Credit Card|
Q1: How are Miles calculated for spends on Emirates Islamic Skywards Signature Credit Card?
Ans: For Emirates Islamic Skywards Signature Credit Card, Skywards Miles are calculated taking into account the category of spend. Skim down to get acquainted with the earning structure for successful transactions across various spend categories.
|Spend Category||Spend Amount in AED||Miles Earning|
|General shopping||4000||817 Miles
|Grocery Spend (Domestic)||1000||103 miles
|Dewa & Fines||2500||75 Miles
|Du or Etisalat bill||900||183 Miles
|International Spend||5000||1497 miles
|Grocery spend (International)||600||180 Miles
|Emirates Airline spend||3000||1,225 Miles
|ATM Cash Withdrawal||1000||0|
Q2: What transactions are considered to be ‘Grocery and Supermarket’ spends on Emirates Islamic Skywards Signature Credit Card?
Ans: Any transaction carried out at supermarkets, grocery markets or hypermarkets is considered as ‘Grocery & Supermarket’ spend. These transactions earn a reward of 0.38 Skywards Miles for every USD 1 transaction.
Q3: What transactions are considered to be ‘Government Services’ spends on Emirates Islamic Skywards Signature Credit Card?
Ans: E-transactions made via online medium at e-government portals for Utility Bill Payments including gas supply, telecommunication, electricity, etc. are called ‘Government Services.’ Also, any transaction made towards taxes, intra-government purchase, bond payments, fines, postal services, etc. is also referred to as ‘Government Services’ transaction. These transactions earn reward rate of 0.15 Skywards Miles for every 1 USD.
Q4: Does Emirates Islamic Skywards Signature Credit Card provide Skywards Miles on Etisalat & du bill?
Ans: Yes! Cardmembers can earn Skywards Miles for payment of Etisalat or du bills through their Emirates Islamic Skywards Signature Credit Card. Such transactions attract reward rate of 0.75 Skywards Miles for 1 USD transaction.
Q5: Do Emirates Islamic Skywards Signature Credit Card members earn double miles when booking air tickets with Emirates Airline?
Ans: Yes! For transactions made at Emirates Airline, card members get to earn double Skywards Miles. One can earn double Skywards Miles by transacting with Emirates Airline, both from Emirates’ official website or its sales office anywhere in the world.
Q6: Does Emirates Islamic Skywards Signature Credit Card allow cash withdrawals?
Ans: Yes! Emirates Islamic Skywards Signature Credit Card allows its card members to withdraw 50% of the total credit limit as cash advance. Here, it is important to understand that a cash advance fee is charged for cash withdrawals via Emirates Islamic Skywards Signature Credit Card.
Q7: How can Emirates Islamic Skywards Signature Credit Card members make payments for their card?
Ans: There are multiple ways to make payment for the Emirates Islamic Skywards Signature Credit Card.
Please Note: it typically takes 3-5 working days for cheques to get cleared.
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.
Q8: Can Emirates Islamic Skywards Signature Credit Card get supplementary cards?
Ans: Yes! up to 4 supplementary cards are allowed for card members, without any cost. Like the primary card, supplementary cards also earn discounts and attract privileges. Also, the purchases made on supplementary cards also qualify for Skywards Miles.
Q9: When does the Skywards Miles get transferred to the card/Skywards account?
Ans: Skywards Miles earned on the Emirates Islamic Skywards Signature Credit Card in a statement cycle is typically transferred to card/Skywards account between 25th and 30th of the month after the statement cycle.
Q10: Is Emirates Islamic Skywards Signature Credit Card a Sharia-compliant card?
Ans: Yes! Emirates Islamic Skywards Signature Credit Card is a Sharia-compliant card and there are no interests charged on the card members.