Terms and Conditions for Super Savings Skywards Account Campaign

These Terms and Conditions (the “Terms”) apply to and regulate the Super Savings Skywards Account Offer (as defined below) provided by the Bank.

DEFINITIONS

“Bank” means Emirates Islamic Bank PJSC.

“Group” refers to Emirates Islamic Bank PJSC, Emirates NBD PJSC and Liv Bank.

“Campaign” means the promotional initiative launched by the Bank during the Offer Period, whereby eligible Customer(s) holding Super Savings Skywards Account(s) Offer on qualifying Campaign Funds, subject to the terms and conditions set out herein. The Campaign is designed to reward Customers for increasing their Total Relationship Balance with Net New to the Bank funds deposited into their Super Savings Skywards Account(s) during the Offer Period.

“Customer/s” for the purpose of this Offer shall mean customer/s holding Super Savings Skywards Accounts during the Offer Period with the Bank, subject to such terms and conditions as shall be specified by the Bank from time to time.

“Super Savings Skywards Account” for the purpose of this Campaign shall mean only the Super Savings Skywards Account opened by Customer(s) with the Bank.

“Offer” shall mean the eligible Super Savings Skywards Account will receive Skywards miles on the Campaign Funds deposited in the eligible account holder’s Super Savings Skywards Account during the offer period.
In addition, customers who are eligible for the campaign based on their Campaign Funds, and transfer their salaries of AED 15,000 or more in their Super Savings Skywards account during the campaign period will receive bonus miles of up to 25,000 Skywards miles for the campaign period

1. A salary transfer will only be recognized if it was credited into the account by the customer’s employer using the correct method and official channels of the UAE Fund transfer system, wages protection system and recognized channels (acceptable to the Bank); cash credits or cheques or transfers from personal accounts will not be considered as eligible monthly salary
2. This Campaign is not valid in conjunction with any other promotions, campaigns or offers of the Bank.

“Offer Period”: 1 July 2026 - 31 December 2026

“Original Balance” means the total balance available and existing in Super Savings Skywards Account of the Customer as on 30 June 2026.

“Total Relationship Balance” means average balance of Customer/s maintained across Current Accounts, Savings Accounts and Islamic Deposits held with Emirates Islamic during the offer period.

“Campaign Funds” means Net New funds credited into the Customer’s Super Savings Skywards Account provided there is an increase in the Customer’s Total Relationship Balance where funds from bank accounts originating from Group , Emirates NBD PJSC and Liv Bank will not be considered for this Campaign.
Campaign funds represent increase in average balance over the Original Balance by the Customer into the Super Savings Skywards Account during the Offer Period.
Campaign Funds for the purpose of this Campaign will be calculated on the basis below:

The net average incremental balance in the Customer’s Super Savings Skywards Account held with the Bank during the Offer Period over the baseline closing balance of the Super Savings Skywards Account as on 30 June 2026 will be considered as Campaign Funds provided this increase in balance results in growth of the Customer’s Total Relationship Balance as well.

“New To Salary” means a customer must not have had an existing salary transfer relationship with the Emirates NBD Group, including Emirates NBD Bank and Emirates Islamic Bank within the last 6 months prior to the first salary transfer in the Bank.

THE OFFER - DETAILED

1. The Bank offers Skywards miles on the Campaign Funds deposited by eligible Super Savings Skywards Account.
2. The bank offers additional bonus miles of up to 25,000 Skywards miles based on minimum two (2) salary credits in Super Savings Skywards account during the campaign period for New To Salary customers provided they qualify Campaign funds offer
3. The Offer is valid only for the Customers who deposit Campaign Funds into their Super Savings Skywards Account during the Offer Period.
4. Customers shall have a Super Savings Skywards Account to be eligible for the Campaign.
5. The Bank’s employees are also eligible for the Offer, however they are not eligible for the bonus Skywards miles for salary transfer
6. The miles offer grid is provided as follows:



Campaign Funds (AED)	Q3 Miles	Q4 Miles
50,000 – 99,999	10,000	10,000
100,000 – 249,999	20,000	20,000
250,000 – 499,999	35,000	35,000
500,000 – 999,999	50,000	50,000
1,000,000 – 2,500,000	80,000	80,000
More than 2,500,000	100,000	100,000

Salary Range (AED)	Total Campaign Eligible Miles
15,000 to 34,999	15,000
35,000 or more	25,000

7. Skywards miles eligible is capped at 225,000 Skywards miles per Customer for the entire campaign period.
8. Eligible Skywards miles as per the miles offer grid shall be credited to Skywards membership provided for Super Savings Skywards account as per below schedule:



Q3 2026 Eligible Miles	Q4 2026 Eligible Miles	Salary Transfer Eligible Bonus Miles
By 30 October 2026	By 30 January 2027	By 30 January 2027

Illustration:

If your Super Savings Skywards Account balance on 30 June 2026 was AED 100,000 and your average balance during Q3 2026 increased to AED 150,000, then:

Description	Amount
Original Balance (30 June 2026)	AED 100,000
Q3 2026 Quarterly Average Balance	AED 150,000
Incremental Balance (Campaign Funds)	AED 50,000

Since your Campaign Funds are AED 50,000, you qualify for 10,000 Campaign Skywards Miles for Q3 2026.
In addition:

• The original balance of AED 100,000 will continue to earn the regular Super Savings Skywards Miles under the standard product program.
• The incremental balance of AED 50,000 will earn Campaign Miles and will not earn regular product miles.

OTHER TERMS AND CONDITION

1. If eligible for the Offer and all conditions are satisfied, Skywards Miles earned on Campaign Funds on the eligible Super Savings Skywards Account will be credited as per the specified schedule.
2. Campaign miles will be credited to Skywards membership provided for the eligible Super Savings Skywards Account within 30 days of post respective eligible quarter end.
3. Skywards Miles will be calculated on Campaign Funds received during the Offer Period.
4. Closure of the eligible Super Savings Skywards Account prior to the expiry of the Offer Period will be permitted in accordance with the Emirates Islamic General Terms and Conditions, however; the Customer will be disqualified from the Offer and will not be eligible for the Offer even if there was an incremental balance.
5. The eligible Skywards miles are non-transferable, non-binding and non-cashable.
6. If the Bank has sufficient grounds to believe that an eligible Super Savings Skywards Account holder has violated any laws or regulations applicable in the UAE, the Bank shall be entitled to rescind and cancel any rewards.
7. These Terms and Conditions are subject to change, modification, addition or amendment, at any time, at the sole discretion of the Bank, with prior notice to Customers in accordance with the applicable law.
8. 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.
9. 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 their receipt by the Bank) due to any reason beyond the control of the Bank; (d) any tax liability incurred by the eligible Super Savings Skywards account holder under this Offer.
10. These Terms and Conditions and any dispute arising from them, including in relation to interpretation or execution, shall be governed by the laws of the United Arab Emirates as applied in the Emirate of Dubai and subject to the exclusive jurisdiction of the Courts of Dubai.

Terms and Conditions for Skywards Black Covered Card

1. The Offer is valid for all customers who have applied for a new Skywards Black Card under the Skywards Black Card campaign from 11 May 2026 to 31 August 2026 and card is issued before 10 September 2026.
2. The offer campaign miles are inclusive of any other Welcome Bonus offered on the Emirates Islamic Skywards Black Covered Card.
3. The one-time welcome bonus miles will be awarded:
   • Within 45 days from the Annual Membership Fee & campaign joining fee payment date.
   • The Card should be activated within 30 days of card open date.
4. Additional Skyward Miles will be awarded within (45) days of successfully achieving the minimum spend threshold as mentioned above for the respective card within first (3) months of card account opening.
5. All retail transactions that are posted into the card member’s monthly statement will be included for calculation of cumulative retail spending.
6. ‘FX Spends’ will include only retail spends made in foreign currency (i.e. in non-AED currency only)
7. Transactions that are reversed or cancelled will not be included in the Offer.
8. Commitment to donate, Profit, Joining Fee, Annual Membership Fee, Cash Transactions, Credit Vouchers, Balance Transfer Bookings, Dial-a-Cheque, any internal calculations, etc. are excluded for cumulative retail spends calculation and from the Miles calculation.
9. Existing Skywards card holders or customers who have cancelled their card in last (6) months are not eligible for this Offer (Skywards Black Card Campaign).
10. Customers are not eligible to receive bonus miles if they meet the spend criteria but fail to make the minimum payments due against their Card.
11. Emirates Islamic reserves the right to change or cancel any or all of the promotion/Offer terms and conditions without giving any prior notice to Applicant.
12. Offer is not valid in conjunction with any other promotion.
13. Click here to view the key information statement, fee schedule, and other important information about this product.

Click here to go back to the offer page.