10 Million EI SmartMiles Raffle Draw Campaign: Terms & Conditions
This campaign is exclusively applicable to Emirates Islamic Emarati Covered Cards including existing and new to bank customers.
Customers will be enrolled automatically in the campaign. No registration or a separate opt in is required.
The campaign period will commence on 01 November 2026 and conclude on 31 December 2026.
New to bank Emarati Covered Card customers will earn five (5) raffle entries for spending AED 5,000 in cumulative international or local spend made using an Emirates Islamic Visa Emarati Covered Card.
Emarati Covered Card customers will earn one (1) raffle entry for every AED 5,000 in cumulative local spend made using an Emirates Islamic Visa Emarati Covered Card.
Emarati Covered Card customers will earn two (2) raffle entries for every AED 5,000 in cumulative international spend made using an Emirates Islamic Visa Emarati Covered Card.
Eligible transactions include all retail and online purchases, whether conducted locally or internationally, made using Emirates Islamic Visa Emarati Covered Card.
Only cumulative spends posted during the campaign period shall be considered.
Customers must meet the minimum cumulative spends criteria within that same calendar month to be eligible for the draw.
Reversed or cancelled transactions, ATM cash withdrawals, and any applicable bank fees or charges are excluded from spend calculations and shall not contribute toward raffle eligibility.
The Draw will be held under the supervision of the Department of Economic Development (DED).
10 winners will be selected in January 2027 under the supervision of DED and each of the 10 winners will receive 1,000,000 EI SmartMiles equivalent to AED 10,000.
1,000,000 EI SmartMiles will be credited to the winner within 30 days after draw date.
Spends from any previous month(s) shall not be carried forward or considered for eligibility at the time of the campaign draw.
Each customer is eligible to win once only.
The campaign will run for a total of two consecutive months. After the campaign ends, ten winners will be selected on the scheduled draw month of January 2027, resulting in a total of ten winners throughout the campaign period.
Customers are encouraged to refer to the Key Facts Statement related to the Cards for more information.
The Bank reserves the right to change, amend or cancel any or all the Offer’s terms and conditions at any time.
Emirates Islamic will notify the winning Customers after the end of the Draw by sending them a notice to the latest recorded address or contact details maintained with Emirates Islamic.
The customer acknowledges and agrees that in the event he/she is declared the winner of the Draw, his/her name (as recorded with Emirates Islamic) may be released to the media and/or the general public. The Bank is not liable for any harm, loss, cost or expense of any kind, including legal fees, incurred or suffered by the winning Customer as a result of such release.
Emirates Islamic employees, Board member and their spouse and children, are not eligible for entry into the Draws.
The Customer must have an active Emarati Covered Card at the date of the Draw to be eligible for the same.
Disclaimer: The term “Credit Card” refers to the Covered Card, which is structured and offered in accordance with the applicable Shariah principles.
