• Emirates Islamic Bank Skywards Gold Credit Card

    Emirates Islamic Bank Skywards Gold Credit Card
    Credit Card
    Annual Fee
    Reward type
    Emirates Islamic Bank Skywards Gold Credit Card
    Annual Fee:
    AED 400
    Reward type:
    Travel, Groceries, Shopping, Dining and Rewards

    A fully Sharia-compliant credit card that combines the benefits of modern-day short-term credit availability with excellent benefits and rewards programs. The Emirates Islamic Bank Skywards Gold credit card brings together modern credit card functionality with zero Riba or interest and with the complete avoidance of any un-Islamic charges. The rewards and benefits programs are in addition to the top-of-the-line Islamic banking facilities offered by Emirates Islamic Bank.

    Features of the Islamic Bank Skywards Gold Credit Card

    • Annual fee of AED 400.
    • Cardholders must pay off a minimum of 5% of their outstanding balance every month.
    • Payments are duewithin 25 days from the statement date.
    • Credit shield facility charged at 0.75% of your outstanding monthly balance.
    • Monthly fee is charged depending on the credit limit:
      • AED 200 per month for Credit Limit between AED 5,000 – AED 8,000.
      • AED 325 per month for Credit Limit between AED 8,000 – AED 16,000.
      • AED 400 per month for Credit Limit between AED 16,000 – AED 25,000.
      • AED 600 per month for Credit Limit between AED 25,000 – AED 37,500.
      • AED 950 per month for Credit Limit between AED 37,500 – AED 62,500.
      • AED 1,800 per month for Credit Limit between AED 62,500 – AED 100,000.
      • AED 2,700 per month for Credit Limit between AED 100,000 – AED 150,000.
      • AED 4,500 per month for Credit Limit between AED 150,000 – AED 250,000.
    • Never miss a bill payment with the Online auto-payment facility, as you can leave standing instructions with the bank to automatically deduct monthly bill amounts and charges from your account.
    • Payments can be made through exchange houses – UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange. Payments can be made up to AED 35,000 per day.
    • Pay off your outstanding balance with cash over-the-counter at any Emirates Islamic Bank branch.
    • Cash withdrawal facilities at over 780,000 VISA ATMs worldwide.
    • Be eligible for up to 4 supplementary cards for family members.
    • Fully Sharia-compliant and free from un-Islamic charges like Riba.

    Benefits of the Emirates Islamic Bank Skywards Gold Credit Card

    • Mazaya Offers is a discounts and preferred customer benefits program attached to this card. It entitles you to:
      • Discounts of up to 30% on dining at a host of restaurants across the UAE.
      • Discounts on shopping for retail goods and services at all partner outlets across the UAE.
      • Exclusive travel benefits for flights anywhere in the Emirates network.
    • Up to 30% reduction at many renowned car rental companies.
    • Unlimited access to the lounge at Dubai International Airport Terminal 1.
    • Exclusive Golf Offer – as a member of the bank and a valued cardholder, you will be entitled to the following golf club benefits, with a complimentary Golf Fee Card:
      • Up to 50% reduced green fee at over 2,300 golf clubs and resorts in over 110 countries.
      • Up to 50% discount on the rack rate at over 2,500 luxury hotels and golf resorts in 112 countries.
      • 10% price advantage on the purchase of golfing equipment.

    Emirates Islamic Bank Skywards Gold Credit Card rewards program – Skywards Miles

    • Skywards Miles are earned on all retail transactions – international or local.
    • No rewards on balance transfers and cash advance.
    • Earn Skywards Miles on spends on government categories like
      • E-Government Payments.
      • Electricity and power and other utilities.
      • Government fees, charges, fines and customs.
      • Note that such expenditures are only eligible up to a total of AED 2,000 per monthly billing cycle.
    • Earn as you spend:
      • Earn 1,000 Skywards Miles on a minimum monthly spending of AED 2,000.
      • Earn 1,500 Skywards Miles on a minimum monthly spending of AED 5,000.
      • Earn 3,200 Skywards Miles on a minimum monthly spending of AED 7,500.
    • Redeemable against:
      • Worldwide flights anywhere on the Emirates network.
      • No blackout dates – fly any time.
      • Ticket upgrades from Economy Class to Business Class or from Business Class to First Class.
      • Upgradeable tickets can be upgraded as late as six hours before take-off.
      • Instant upgrades on check-in.
      • Skywards Miles can also be used to purchase vouchers for shopping at participating partners.
      • You can spend your Skywards Miles on tickets and passes for some of the most popular events across the world like sporting events or concerts.
      • Option to donate miles to charities and save the world, one mile at a time.

    The Emirates Islamic Bank Skywards Gold credit card brings together Sharia-compliant short-term credit services and world-class baking facilities at an affordable cost. The benefits and rewards attached to these cards are also very helpful in saving your hard earned money in the form of discounts and exclusive offers.

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