Frontline Heroes’ Offer - Terms and Conditions

Your commitment is the heartbeat of this nation. To honour your sacrifice on the frontlines, Emirates Islamic dedicated to empowering your family's future, easing your daily financial responsibilities with tailored support.

Kunooz Millionaire Account

  1. Be 1 of 10 lucky winners to win AED 10,000. With respect to the Kunooz Frontline Heros campaign cash prize of ten thousand dirhams (AED 10,000) in Kunooz Millionaire Account, an average balance of five thousand dirhams (AED 5,000) over campaign period provides the Customer with one (1) entry into the Draw.
  2. In total there will be 10 winners for the Frontline Hero Campaign
  3. This Draw will take place in the month of June 2026 and will consider entries accumulated for the duration of this campaign period which is April 2026 and June 2026.
  4. Emirates Islamic will notify the winning Customers at or after the end of each Draw by sending them a notice to the latest recorded address or contact details maintained with Emirates Islamic.
  5. By opening a Kunooz Millionaire Account, the Customer acknowledges and agrees that in the event he/she is declared the winner of a Draw, his/her name (as recorded with Emirates Islamic) and 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.
  6. Cash prize(s) will be transferred to the winning Customer's Kunooz Millionaire Account.
  7. Emirates Islamic employees, Board member and their spouse and children, are not eligible for entry into the Draws.
  8. The Customer must have an active Kunooz Millionaire Account at the date of the Draw to be eligible for the same.
  9. Emirates Islamic Bank is entitled to change the form or amount of the prize and/or the method in which prize is awarded to the wining Customer at any time at its sole discretion.
  10. The winning Customer will bear any, and all actual charges, actual costs and actual expenses relating to or connected with the Draw, the prize, and/or the disbursement or receipt of the prize.
  11. Emirates Islamic reserves the right to disqualify a customer at any time from the Draw or as a winning Customer at its sole discretion and without notice.
  12. All charges, commissions and fees are exclusive of Value Added Tax or any other similar sales tax (VAT). The Customer hereby agrees to pay an amount in respect of any applicable VAT.
  13. Offer valid till 30 June  2026

Covered Cards

  1. No annual membership fee on covered cards excluding Emirates Islamic Skywards Black Card.
  2. Any charges applicable will be informed to the customer beforehand.
  3. This offer does not apply to corporate/business cards.
  4. Emirates Islamic reserves the right to change / modify or discontinue the offer at its own discretion.
  5. This offer is applicable to customers employed with selected entities and holding a valid Emirates Islamic Covered Card(s).
  6. This offer is valid only for customers who receive the offer communication from Emirates Islamic (via SMS or email).
  7. The offer is valid for enrolled customers only.
  8. The offer period from 24th April to 31st May 2026.
  9. No minimum spend is required to qualify.
  10. Transactions must be made within the offer period in the eligible categories (Utility, Fuel, Grocery), as defined by Visa and Mastercard merchant category codes.
  11. 10% Cashback is applicable for accumulative spend on the categories mentioned above during the offer period.
  12. The maximum cashback that can be earned during the offer period is AED 500 per customer.
  13. Cashback will be credited to the customer’s Covered Card Account within 45 days after the end of the offer period.
  14. Offer valid till 31 May 2026.

Personal Finance

  1. For UAE National : Profit rates starting from 2.49% flat p.a. (approximately equivalent to 4.56% reducing rate p.a.). Applicable for AED 30,000 salary and above, attractive rates are available for other salary slabs.
  2. For Expatriates: Attractive profit rates starting from 2.99% flat p.a. (approximately equivalent to 5.47% reducing rate p.a.). Applicable for AED 50,000 salary and above, attractive rates are available for other salary slabs.
  3. Zero processing fees aapplicable for new, top up and additional finances only
  4. Payment holiday for Emiratis, up to 4 months subject to customer meeting all Bank’s credit policy requirements.
  5. Payment holiday for expatriates, up to 3 months subject to customer meeting all Bank’s credit policy requirements.
  6. Offer valid till 31 May 2026.

Auto Finance

  1. Zero processing fees.
  2. Profit rate starting from 1.89% flat p.a. (equivalent to 3.61% reducing p.a.) for UAE Nationals.
  3. Profit rate starting from 1.95% flat p.a. (equivalent to 3.72% reducing p.a.) for Expats.
  4. Offer valid till 31 May 2026.
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