Terms and Conditions for Super Savings Etihad Guest Account Campaign

These Terms and Conditions (the “Terms”) apply to and regulate the Super Savings Etihad Guest Account Campaign (as defined below) provided by the Bank. This campaign is offered under the Super Savings Etihad Guest Account which is a Mudarabah based savings account.

DEFINITIONS

“Bank” means Emirates Islamic Bank PJSC.

“Customer/s” for the purpose of this Offer shall mean customer/s holding Super Savings Etihad Guest 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 Etihad Guest Account” for the purpose of this offer shall mean only the Super Savings Etihad Guest Account opened by Customer/s with the Bank.

Offer: The offer, for the purpose of this campaign is defined under the revised miles structure below which is to replace the existing rewards structure during the campaign period. Miles provided for salary transfer under the existing rewards structure is to be discontinued during the period of this campaign.

Revised Miles Structure

• Miles are calculated based on the Quarterly Average Balance maintained.
• A maximum of 3,000,000 miles per annum can be earned per customer.

Campaign Period
The campaign will run from 1 October 2025 to 31 March 2026.

Eligibility

• The campaign is open to new and existing customers who open or maintain a Super Savings Etihad Guest Account during the Campaign Period.
• Customers must maintain the required Quarterly Average Balance (QAB) as per the revised Super Savings Etihad Guest Account Miles proposition to qualify for Etihad Guest Miles.

Fulfillment

• Fulfilment will take place for 1 year from the calendar quarter of onboarding of the campaign period. Onboarding of the campaign period may commence from Q4 2025 or Q1 2026.
• Example: If a customer onboards in Q4 2025 (October – December), fulfilment will continue for four quarters (Q4 2025 to Q3 2026). Similarly, if a customer onboards in Q1 2026 (January - March), fulfillment will continue for the quarters (Q1 2026 to Q4 2026).
• Miles will be credited within 30 days after the end of each qualifying calendar quarter.
• The Super Savings Etihad Guest Account has to be open at the time of fulfillment, any closed accounts will not be considered for the purpose of this campaign. The below grid is provided for the schedule of fulfillment:

  Campaign Onboarding Quarter	Campaign Duration from Onboarding	1st Quarterly payout	2nd Quarterly payout	3rd Quarterly payout	4th Quarterly payout
  Q4 2025	1 October - 31 December 2025	By 31 January 2026	By 30 April 2026	By 31 July 2026	By 31 October 2026
  Q1 2026	1 January - 31 March 2026	By 30 April 2026	By 31 July 2026	By 31 October 2026	By 31 January 2027

Illustration
Quarterly Average Balance Calculation: Sum of daily balances of account / Days in the calendar quarter.

Note: Calculation of days in the calendar quarter to commence from account opening date if customer opens their Super Savings Etihad Guest Account during campaign period.

• Customer opens a Super Savings Etihad Guest Account on 15 Oct 2025 (Q4 2025).
• Q4 2025 Quarterly Average Balance (QAB) = AED 75,000.
• As per revised miles structure, this customer is entitled to 6,250 miles per quarter.
• In case customer maintains this quarterly average balance for the 4 quarters commencing from the campaign onboarding period, the customer will receive 6,250 miles every quarter resulting in a total of 25,000 miles for the totality of the campaign period.

OTHER TERMS AND CONDITION

1. The Super Savings Etihad Guest Account is governed under the Terms and Conditions – Special Features of the Bank.
2. Customers must ensure their Etihad Guest membership details are correctly updated with the Bank at the time of account opening.
3. Miles once credited cannot be exchanged for cash or transferred.
4. Closure of the eligible Super Savings Guest account/s prior to the expiry of the Offer Period will be permitted in accordance with the Emirates Islamic General Terms and Conditions published in the Bank’s website, however; the Customer will be disqualified from the Offer and will not be eligible for the offer miles.
5. If the Bank has sufficient grounds to believe that an Eligible Super Savings Etihad Guest Account holder has violated any laws or regulations applicable in the UAE, the Bank shall be entitled to rescind and cancel any rewards earned by the Eligible Super Savings Etihad Guest Accountholder in accordance with these Terms and Conditions.
6. 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 as per Consumer Protection Standards which is within 60 days of notice.
7. 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.
8. 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 Accountholder under this offer.
9. 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.