New to Bank Customers Campaign Terms and Conditions
These Terms and Conditions apply to Emirates Islamic Bank’s Priority and Private Banking campaign. By
participating in this campaign, customers agree to be bound by these Terms and Conditions, together with
the applicable account terms, banking services terms, product terms, the Bank’s General Terms and
Conditions, and any other terms issued by Emirates Islamic Bank P.J.S.C from time to time.
1. Definitions
Bank means Emirates Islamic Bank PJSC.
Group refers to Emirates Islamic Bank PJSC, its parent company Emirates NBD PJSC and its
subsidiaries and affiliates including, without limitation, Liv Bank.
New to Liabilities means a customer who has not held any Current Account, Savings
Account, Wakala or Investment Term Deposit with the Bank during the six (6) months immediately preceding
the date of opening the eligible account under this Campaign.
Campaign means the promotional initiative launched by the Bank during the Offer Period,
whereby eligible Customers may receive vouchers on qualifying Campaign Funds, subject to the terms and
conditions set out herein. The Campaign is designed to reward Customers for increasing their eligible
relationship balances with funds deposited with the Bank during the Offer Period.
Customer(s) for the purpose of this Campaign shall mean eligible New to Liabilities
Priority and Private Banking customer(s) of the Bank, subject to such terms and conditions as may be specified by
the Bank from time to time.
Campaign Funds means the average balance maintained during the Offer Period by the
Customer(s) across eligible Current Account(s) and Savings Account(s) held with Emirates Islamic Bank
P.J.S.C where funds originating from Emirates NBD PJSC and Liv Bank will not be considered for this
Campaign. For the purpose of calculating Campaign Funds, the average monthly balance maintained during
the three calendar months immediately following the account opening month, will be considered. Campaign
Funds shall be subject to Balances determined by the exclusions set out in Section 4 below.
Offer means the vouchers, additional hotel stay voucher, card-related benefits and/or
any other benefits that may be provided to eligible Customers who satisfy the Campaign criteria.
Offer Period means the period commencing on 1 October 2026 and ending on 31 December
2026, unless extended, amended, suspended or withdrawn earlier by the Bank.
“Voucher” means a reward voucher that can be used towards the cost of airline tickets
and hotel stays, subject to the applicable terms and conditions of the voucher provider.
2. Eligibility
The Campaign is open only to New to Liabilities Priority and Private Banking Customer(s) of Emirates
Islamic Bank P.J.S.C.
Customer(s) must open Savings Account with Emirates Islamic Bank P.J.S.C during the Offer Period.
Only Customer(s) who meet the Bank’s Priority and Private Banking eligibility requirements and the
Campaign qualifying criteria will be considered for rewards.
Emirates Islamic Bank P.J.S.C reserves the right to determine customer eligibility and qualification for
the Campaign at its sole discretion.
Qualification will be based on Campaign Funds maintained in eligible Current Account(s) and/or Savings
Account(s) relationships as per the reward structure below.
3. Reward Structure
| Campaign Funds |
Number of Travel Vouchers |
| AED 1 million |
1 |
| AED 3 million |
2 |
| AED 6 million |
3 |
| AED 10 million |
4 |
| AED 15 million |
5 |
| AED 21 million |
6 |
| AED 28 million |
7 |
| AED 36 million |
8 |
| AED 45 million |
9 |
| AED 55 million |
10 |
Each travel voucher is worth AED 15,000.
Customers can receive a maximum of 10 reward vouchers, equivalent to AED 150,000.
Additional Rewards:
Customers maintaining Campaign Funds of AED 21 million or above will receive one
additional 3 nights hotel stay voucher worth AED 11,000.
Customer(s) maintaining Campaign Funds of AED 45 million and above will be eligible for a refund credit
for the Skywards Black Covered Card annual membership fee (include Gold Tier fee) for two years,
together with the additional 3 nights hotel stay voucher worth AED 11,000, subject to applicable card
eligibility criteria and partner approval.
4. Exclusions
Balances held in Super Savings Skywards, Etihad and E-Saver accounts will not be considered for Campaign
qualification.
Any account, Customer relationship, transaction or balance that the Bank determines to be ineligible,
irregular, reversed, fraudulent, temporary or inconsistent with the Campaign objective may be excluded.
Rewards are not transferable, exchangeable or assignable unless specifically permitted by the Bank.
Internal transfers, circular movement of funds, temporary placements, or any arrangements that the Bank
considers inconsistent with the Campaign intent may be excluded from qualification.
5. Reward Fulfilment
- Rewards will be calculated after completion of the applicable Campaign Funds calculation period and
fulfilled as per the Fulfillment Schedule below.
- Fulfillment Schedule
| Account Opening Month |
Campaign Funds Calculation Period |
Voucher Fulfillment |
| October 2026 |
1 November 2026 to 31 January 2027 |
By 28 February 2027 |
| November 2026 |
1 December 2026 to 28 February 2027 |
By 31 March 2027 |
| December 2026 |
1 January 2027 to 31 March 2027 |
By 30 April 2027 |
Travel vouchers, additional hotel stay vouchers and card-related benefits will be fulfilled subject to
eligibility validation, and the applicable terms and conditions of the relevant merchant, hotel,
airline, Skywards Black card issuer or partner.
Vouchers will be valid for a period of one year from the date of issue.
The Bank may prescribe the mode, timing and process for reward fulfilment at its sole discretion, subject
to applicable laws and regulations.
The Bank will not be responsible for the quality, availability, redemption restrictions or fulfilment
obligations of third-party partners, except as required by applicable law.
6. General Terms
The Bank reserves the right to amend, suspend, cancel or withdraw the Campaign, rewards, eligibility
criteria or these Terms and Conditions at any time, subject to applicable laws and regulations.
Participation in the Campaign does not guarantee receipt of any reward unless all Campaign criteria are
satisfied.
All decisions of the Bank relating to this Offer, each of which is at the sole and absolute discretion of
the Bank, shall be final and conclusive.
These Terms and Conditions are governed by the laws of the United Arab Emirates as applicable in the
Emirate of Dubai and the applicable federal laws of the UAE.
The Bank shall not be liable for any personal injury; any loss, expense or damage, including loss of
opportunity, whether direct, indirect, special or consequential, arising in any way out of participating
in the Offer, including: (a) any technical difficulties or equipment malfunction, whether or not under
the Bank’s control; (b) any theft, unauthorized access or third-party interference; (c) any claim or
reward that is late, lost, altered, damaged or misdirected, whether or not after receipt by the Bank,
due to any reason beyond the control of the Bank; or (d) any tax liability incurred by the eligible
Customer under this Offer.
