Emirates Islamic Skywards Signature Credit Card

Emirates Islamic Skywards Signature Credit Card

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 the 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.

About Emirates Islamic Skywards Signature Credit Card

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 bestselling credit cards in the UAE region.  

Features of Emirates Islamic Skywards Signature Credit Card

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.

  • Complimentary lounge access
  • Multi-trip travel insurance (up to USD 500,000)
  • Easy payment plans
  • Balance transfer facility
  • Cash on call facility
  • Supplementary cards
  • Islamic credit shield
  • Purchase protection
  • Extended warranty
  • Payment options
  • 24-hour customer service facility

Benefits of Emirates Islamic Skywards Signature Credit Card

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 Emirates Islamic Skywards Signature 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
  • Automatic enrolment to emirates skyward blue membership
  • 50,000 bonus Miles upon payment of joining fee (AED 1000) and membership fee (AED 700)
  • Free valet parking
  • 0% Instalment for 3 months on Emirates Airline tickets
  • Unlimited complimentary, free access to over 750 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 Signature Credit Card:

  • Income Eligibility- AED 8,000 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 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.

  1. Much-Admired Rewards Programme- Emirates Airline’s Skywards is one of the world’s most popular and rewarding frequent flyer programmes. And it comes as no surprise since the five-star airline leaves no stones unturned to make sure its frequent flyer members get the maximum bang for their bucks. Emirates Islamic Skywards Signature Credit Cardholders get to earn 1.5 Skywards Miles for every 1 USD spent on the card. Cardmembers may redeem these Skywards Miles for a range of options including free flights with Emirates Airline and its partner airlines, class upgrades on Emirates’ flights and much more.
  2. Exclusive Discounts- It’s not just the acclaimed Skywards Miles Programme that makes Emirates Islamic Skywards Signature Credit Card such a revered commodity amongst the frequent flyers in the UAE region. The wide range of exclusive, Mazaya Offers at restaurants and retailers across the UAE region leave Emirates Islamic Skywards Signature Credit Cardholders spoilt for choices. Up to 30% discount at over 2000 restaurants and attractive shopping discounts at Emirates’ shopping partner outlets across the UAE makes it easy for card members to make sizeable savings. In addition, the exclusive travel benefits from Visa acts as the cherry on the top.
  3. Complimentary Lounge Access- Emirates Islamic Skywards Signature Credit cardholders get unlimited, complimentary access to more than 750 airport lounges across multiple, global locations including, but not limited to the UAE, USA, Singapore, Thailand, UK, Egypt, Turkey, and more.
  4. Complimentary Multi-Trip Travel Insurance- Emirates Islamic Skywards Signature Credit Card provides comprehensive multi-trip travel insurance plan to keep card members protected against accidents and inconvenience associated with travel. This multi-trip travel insurance plan is, typically, available for up to 90 days. 
  5. Medical and Legal Referral- Emirates Islamic Skywards Signature Credit Card provides its card members with medical and legal assistance in the time of need. Cardmembers may simply contact +971 4 361 1234 (UAE) or +44 (0) 208 762 8373 (Outside UAE) to get referrals for hospitals, clinics, physicians, lawyers, legal practitioners or dentists based on their location and convenience.

Emirates Islamic Skywards Signature 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 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 Signature Credit Card Rewards

  1. 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

International

1.1 Miles

Domestic

0.75 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%

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- 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: 

  • Free air tickets
  • Automatic upgrade to Emirates Skywards Silver membership
  • Unlimited Complimentary golf
  • Free upgrades
  • Free valet parking
  1. 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:

  • This offer is available only for Emirates Islamic Skywards Cards.
  • Cardmembers will only earn Skywards Miles upon making the actual payment and not the booking.
  • Extra Skyward Miles will be awarded within 6 weeks from the date of the successful transaction.
  1. 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:
  • Up to 30% at restaurants across the UAE.
  • Exclusive Discounts at Emirates’ retail partner outlets.
  • Exclusive Visa travel discounts.

How to Earn Rewards?

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

International

1.5 Miles

Domestic

1 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.

How to Redeem Your Points?

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.

Additional Information / Documentation

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

  • Income documents/recent pay slips (Salaried individuals)
  • Copy of passport with resident visa
  • Copy of Emirates id
  • 3-6 months bank statement
  • Copy of credit card with recent credit card statement
  • Residence proof
  • Address Proofs

How to Apply For 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.

FAQ's

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

Answer: 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
( 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 Signature Credit Card?

Answer: 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.

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

Answer: 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.  

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

Answer: 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.

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

Answer: 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.

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

Answer: 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.

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

Answer: There are multiple ways to make payment for the Emirates Islamic Skywards Signature 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 Signature Credit Card get supplementary cards?

Answer: 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.

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

Answer: 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.

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

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