Credit Shield Takaful plan for your Credit Card

Credit Shield Takaful plan for your Emirates Islamic Credit Card

Benefit from additional cover against job loss, death, and disability

Credit Shield Takaful

Credit Shield Takaful is our enhanced insurance benefit available for all Emirates Islamic Credit Card holders. It offers protection for you in case of job loss, disability, or death.

Credit Shield Takaful Coverage

Credit Shield Takaful offers cover against the following eventualities:

  • Involuntary loss of employment
  • Permanent total disability due to accident
  • Critical illness (pre-existing conditions are excluded)
  • Hospitalisation due to accident (cash benefit)
  • Accidental death
  • Death due to natural reason

Learn more about the Credit Shield.

Apply for Credit Shield Takaful plan

Contact our 24-hour Call Center on +971 600 599 995, and one of our Customer Service Representatives will help you.

Canceling your Credit Shield Takaful plan

You may contact our Call Center on +971 600 599 995 and speak to one of our Customer Service Representatives to cancel the Credit Shield Takaful plan at any time.

Fees and Charges

A monthly fee of 1.04% of the credit card outstanding amount (inclusive of VAT) applies.


Your immediate family members including spouse, children, parents, and siblings can be nominated for the benefits to be claimed in case of an unfortunate event.
No, only primary card holders are eligible for the Credit Shield Takaful plan.
Before you place a request to cancel your Credit Card, you need to close all the active plans on your Card. Any fees applicable and the remaining outstanding balance will be due for payment in full and must be cleared prior to card closure.
No, you can only have one Takaful plan on a single card.
Yes, the coverage is valid worldwide except in case of ILOE and Hospital Cash benefits which are limited to the UAE.
Yes, the policy is valid for UAE Nationals.

Other than job loss cover (ILOE coverage), and Critical Illness benefits, you can claim all other benefits immediately upon enrolling into the policy as per terms and conditions. Pre-existing conditions are excluded.

Please note that only one benefit payment will be applied for same conditions for example: if the disability benefit is paid, ILOE or Accidental Death will not be paid.

Yes, the Bank will automatically terminate the active Credit Shield Takaful plan in case of the follow scenarios:

  • The premium is not paid on time
  • The insured cardholder reaches the maximum age limit specified in the policy
  • Termination of the credit card facility
  • Payment of death or critical illness amounts
  • Cancellation of the benefits under this policy by the policyholder or the insured cardholder at any time in accordance with the policy terms & conditions
  • Cancellation of the insured cardholder's credit card facility
  • The Insured cardholder becomes a Defaulted Cardholder
  • The policy is expired
  • The policy is not renewed with the company
  • The insured cardholder is no longer able to satisfy the eligibility conditions set out by the policy

You can submit a request for the reversal by calling us on +971 600 599 995. Please note the reversal of the charges will be limited to your last month’s premium upon cancellation of service.