Emirates Islamic Rewards Credit Card Features & Benefits

The Emirates Islamic Bank aims at catering to its customers’ needs with innovative financial products and services. With its Emirates Islamic Rewards Credit Card, it welcomes its customers to a new world full of rewarding experiences. It is a Shariah-compliant credit card that aims at providing the user with a wide range of benefits and rewards whenever it used for any transaction.  

Highlights of the Card

• Shariah Compliant
• Free annual fee in case of an AED 5,000 minimum spend
• High earning rate for rewards per transaction
• Free replacement card
• Attractive forex charges

Emirates Islamic Rewards Credit Card Features

The key features of a rewards card are detailed below:

Choice Points Rewards

As a cardmember, you earn points with every retail spending. Your Emirates Islamic Rewards Credit Card offers choice points based on the spending category. The reward earning rate for a Rewards credit card is:

Spending Category	Choice Points for every 1 AED retail spends
Local Spends	2 choice points
Overseas Spends	2 choice points

The choice points can be earned on transactions that are carried within the assigned credit limit, any transaction exceeding the credit limit is not eligible for choice points.

Domestic retail spends made in the following category earn you 0.50 choice spends:

• Grocery Spend
• Telecom
• Education
• Fuel
• Real Estate
• Insurance
• Electronics
• Transportation

Cash Withdrawl

In case of an immediate need for cash, you can withdraw with your Emirates Islamic Rewards Credit Card from any of the Emirates Islamic Bank branches or from over 780,000 ATMs existing across the globe.

Payment Options

There are various  ways by which you can settle your credit card payment, they are:

• Online Payment: As a cardmember, you can use your online banking portal to settle your bills online.
• Cash At Counter: You can visit the bank branch during operating hours and make the cash payment over the counter.
• Cash Deposit Machines: You can use the cash deposit machine to make payment.
• Cheque Payment: Cheques can be deposited through the Drop Box at designated bank branches.
• Online Auto Payment: You can schedule your monthly payment through your online banking portal. This can be done with the help of the Auto Payment Transfer facility.
• Exchange Houses: Payments of up to AED 35,000 per day can be made through Al Rostamani Exchange, UAE Exchange, Al Ansari Exchange, and Al Fardan Exchange.  

Emirates Islamic Rewards Credit Card Benefits

The exclusive benefits a cardholder enjoys are:

Rewards Redemption

The Choice Point rewards earned on your Rewards Credit Card can be redeemed against a range of services such as your airline miles, annual fee, entertainment, telecom, jewelry stores, and electronics.

 Airline miles can be redeemed against the following points:

Etihad Guest Miles	Points
1,500 Miles	14,000
2,000 Miles	16,000

A cashback voucher worth AED 100 can be redeemed against  18,000 choice points.

Mazaya Offers

The Emirates Islamic Rewards Credit Card and Mastercard provide the cardholder with a variety of unmatched benefits across retailers and restaurants.

• Dining : You can indulge in some mouth-watering dishes to flatter your taste pallet by availing a 30% discount while dining at your favorite restaurant in UAE.
• Shopping : You can now go for that long-planned shopping spree as with the Emirates Islamic Rewards Credit Card you can enjoy exclusive deals and discounts across the partner retailers across UAE.
• Travel: Your dream destination awaits your arrival. With the travel season offers, you can enjoy exclusive travel deals across the partner providers.

Free Supplementary Cards

Ever wished for your loved ones to enjoy the benefits and rewards that you do? You can now get up to four free supplementary cards. Your family members can enjoy the exclusive deals and earn choice points with every spend on this Emirates Islamic Credit Card.

Over to You!

If you are someone who loves rewarding themselves, then the Emirates Islamic Rewards Credit Card is a card for you. Not only does it reward you for every spend you make, it also provides you with a wide variety of numerous lifestyle and travel deals and benefits.