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 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 Customers holding Super Savings Etihad Guest Accounts 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 Etihad Guest Account(s) during the Offer Period.

“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 Campaign shall mean only the Super Savings Etihad Guest Account opened by Customer/s with the Bank.

“Offer” shall mean the eligible Super Savings Etihad Guest Account will receive Etihad guest miles on the Campaign Funds deposited in the eligible account holder’s Super Savings Etihad Guest Account during the Offer Period.

“Offer Period”: 1 April 2026 - 30 June 2026

“Original Balance” means the total balance available and existing in Super Savings Etihad Guest Account of the Customer as on 31st March 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 Etihad Guest Account provided there is an increase in the Customer’s Total Relationship Balance where funds from bank accounts originating from 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 Etihad Guest 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 Etihad Guest Account held with the Bank during the Offer Period over the baseline closing balance of the Super Savings Etihad Guest Account as on 31 March 2026 will be considered as Campaign Funds provided this increase in balance results in growth of the Customer’s Total Relationship Balance as well.

THE OFFER - DETAILED

1. The Bank offers Etihad Guest miles on the Campaign Funds deposited in the eligible Super Savings Etihad Guest Account.
2. The Offer is valid only for the Customers who deposit Campaign Funds into their Super Savings Etihad Guest Account during the Offer Period.
3. Customer shall have a Super Savings Etihad Guest Account to be eligible for the Campaign.
4. The Etihad Guest Miles as per the miles offer grid shall be credited to eligible Super Savings Guest Account within 30 days post the Offer Period.
5. The Bank employees are also eligible for the Offer.
6. The miles offer grid is provided as follows:

OTHER TERMS AND CONDITION

1. If eligible for the Offer and all conditions are satisfied, Etihad Guest Miles earned on Campaign Funds on the eligible Super Savings Etihad Guest Account will be credited as an aggregate after the end of the Offer Period.
2. Campaign miles will be credited to eligible Super Savings Etihad Guest Account within 30 days post the Offer Period end date.
3. Etihad Guest Miles will be calculated on Campaign Funds received during the Offer Period.
4. Campaign Funds eligible to the Offer during the Offer Period is capped at AED 5,000,000 per Customer.
5. Closure of the eligible Super Savings Etihad Guest 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.
6. 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.
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 Etihad Guest Accountholder 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.