Refer a Friend

Refer your friends and family and earn cash!

Earn cash rewards when you successfully refer your friends or family to apply for and obtain a range of Emirates Islamic products


You are just a click away to successfully Refer a Friend and earn cash!


Refer a Friend



Category Cash Reward (AED)
Current or Savings Account Up to 1,000 Refer now
Personal Finance 500 Refer now
Auto Finance 200 Refer now
Home Finance 1,000 Refer now
Credit Card Up to 500 Refer now
Auto Takaful 100 Refer now
Takaful Plan Up to 1,000 Refer now
Gold Certificate 100 Refer now
Finance against Gold 500 Refer now


By clicking the "Refer a Friend" button, you automatically agree on the below terms and conditions.

Upon a successful referral and subject to the below terms and conditions, the bank will credit the referral incentive into your Emirates Islamic account within the next 2 months from the booking date.


Terms & Conditions

  • Accounts
      Payments are as follows:
    • For Account balance of AED 50,000 – 250,000 or Salary transfer of AED 5,000 – 15,000, cash reward is AED 250
    • For Account balance of AED 250,000 – 500,000 or Salary transfer of AED 15,000 – 40,000, cash reward is AED 500
    • For Account balance of AED 500,000 and above or Salary transfer of AED 40,000 and above, cash reward is AED 1,000

    • Reward will apply for New To Bank customers whose:
    • Customers’ ID (CIF) was generated within 3 months from the referral date
    • Account balances refer to the monthly average balance for each of the last 3 months
    • Salary Transfer refers to salary credited in the last 2 months
    • From balances/salary payment slabs, EI will consider the maximum payment
  • Credit Cards
      Payments are as follows:
    • Platinum Credit Card AED 250
    • Signature/Infinite Credit Card AED 500
    • The person referred should not have any primary Credit Card with Emirates Islamic
    • The incentives are for primary Credit Cards only
    • The referred credit cardholder should use the credit card to make retail or cash purchases at least once in the first 60 days of the card issuance date
    • Credit card should be issued to the referred person within two months of the referral date
  • Personal Finance
    • The person referred should not have any active Emirates Islamic Personal Finance
    • Personal Finance should be disbursed to the referred person within 2 months of the referral date
    • Minimum Personal Finance amount disbursed should be AED 50,000
  • Gold certificate
    • Minimum 1kg bought within one month from the referral date at standard rate (i.e. without any fee waivers)
  • Home Finance
    • Applied to new Home Finance deals
    • Finance should be disbursed within 6 months of the referral date
    • Minimum Home Finance amount disbursed should be AED 500,000.00.
  • Auto Finance
    • Applied to new Auto Finance deals
    • Finance should be disbursed within 2 months of the referral date
  • Takaful Plan
      Payments are as follows:
    • Regular Contribution Takaful Plan cash reward is AED 500
    • Lumpsum Takaful Plan cash reward is AED 1,000
    • Lumpsum Takaful Plan: Minimum AED 100,000 or equivalent. Policy should be issued and activated within 2 months of referral
    • Regular Contribution Takaful Plan: Minimum 1,000 AED monthly contribution or equivalent. Policy should be issued and activated within 2 months of referral
  • Finance against Gold: Deal booked within 2 months of referral at standard costs (i.e. without any fee waivers)
  • The referred persons should apply for the products using the same mobile numbers, which registered in Emirates Islamic records as provided by the person who referred them.
  • Emirates Islamic has the right to amend or cancel this referral campaign at any time without any liability or responsibility on Emirates Islamic
  • Emirates Islamic will contact the person referred by the referrer and mention their name to them as the person who referred them to Emirates Islamic

 

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