Emirates Islamic Skywards Platinum Credit Card

A large number of expats from more than 200 different countries from across the globe call the UAE home. In fact, 88.5% of the total UAE population is composed of expatriates from different nations worldwide. Quite naturally, most of these expats often fly back to their home countries from the UAE. If sources available online are anything to go by, around 67% of the expat population of the UAE takes at least one flight every year. 

Given the fact that a huge majority of the UAE population is made up of expats who take at least 1 flight on a yearly basis, it’s no wonder why UAE’s leading bank, National Bank of Dubai and UAE’s leading airline, Emirates Airline have introduced their ground-breaking Emirates Islamic Skywards Platinum Credit Card in the UAE region.

Emirates Islamic Skywards Platinum Credit Card consistently ranks alongside some of the bestselling credit cards in UAE. And there are plenty of good reasons for it. Attractive travel offers, exciting discounts and best-in-class Emirates’ experience are just some of the many reasons why Emirates Islamic Skywards Platinum Credit Card is so sought-after by the expats in the UAE.

About Emirates Islamic Skywards Platinum Credit Card

Emirates Islamic Skywards Platinum credit card is a co-branded card mutually launched by Emirates Airline and Emirates National Bank of Dubai. The card was launched with an objective to tap into the huge pool of always-on-the-go businessmen who need short-term credit, exclusive discounts and privileges. Loaded with a host of benefits and a wide range of features, Emirates Islamic Skywards Platinum Credit Card leaves absolutely no stones unturned when it comes to spoiling its cardholders for choices in terms of exclusive privileges, discount deals and unmatched experiences.

Powered with Emirates Airline’s award-winning ‘Skywards Miles’ rewards programme, Emirates Islamic Skywards Platinum Credit Card continuously rewards cardholders with Skywards Miles for every dollar spent. In addition, unmatched benefits, discounts and privileges at restaurants, and retail outlets make it popular amongst UAE nationals too. With so much and more on offer, Emirates Islamic Skywards Platinum Credit Card makes it clear why it remains the top choice for  best credit card seekers in the UAE region.

Features of Emirates Islamic Skywards Platinum Credit Card

An amazing line-up of best-in-class features adds to the ever-growing popularity of Emirates Islamic Skywards Platinum Visa Card. Here is a list of just some of the many features of Emirates Islamic Skywards Platinum Visa Card that make it such a revered financial product amongst both UAE nationals and expats, alike.

• Complimentary Golf Fee Card
• Balance Transfer Facility
• Islamic credit shield
• Up to 4 supplementary cards for family members
• Cash withdrawalfacilities
• 24-hour customer service facility
• Fully Sharia-compliant

Benefits of Emirates Islamic Skywards Platinum Credit Card

Thoughtfully conceptualized to ensure optimum benefits for the frequent travellers and always-on-the-go businessmen, Emirates Islamic Skywards Platinum Credit Card leaves its card members sheer spoilt for choices with benefits galore. Here’s a little smattering on just some of the many benefits offered by Emirates Islamic Skywards Platinum Credit Card.

• 1.5 Skywards Miles per USD spent at Emirates Airline
• 1.1 Skywards Miles per USD for international spend
• 0.75 Skywards Miles per USD for local spend
• 2 additional Skyward Miles with Extra Miles App when making purchases at Souq.com, Booking.com and rentalcars.com. 
• Exclusive Golf Offer
• Unlimited, complimentary access to the lounge at Dubai International Airport Terminal 1
• Up to 30% discounts for car rentals
• Up to 30% discounts at restaurants across the UAE
• Huge discounts at partner outlets across UAE 
• Exclusive travel benefits by VISA

Eligibility for Emirates Islamic Skywards Platinum Credit Card

Here’s a little smattering on the eligibility criteria for Emirates Islamic Skywards Platinum Credit Card:

• Income Eligibility - AED 5,000 and above (Minimum monthly income)
• Residential Eligibility - UAE residents with valid UAE Residence Visa
• Verification Eligibility - Age/Id Proofs

Top Reasons to Get Emirates Islamic Skywards Platinum Credit Card

Emirates Islamic Skywards Platinum Credit Card offers the best travel rewards and benefits, with exclusive discounts including ticket upgrades to hotel discounts and much more. The card is designed to ensure maximum savings, unmatched privileges and excellent rewards for the card members. Though there are many reasons to get this card, here is a list of 3 top reasons why Emirates Islamic Skywards Platinum Credit Card is a must-have for the UAE residents.

1. Skywards Miles - Emirates Islamic Skywards Platinum Credit Card offers a rare chance to take advantage of Emirates Airline’s award-winning frequent flyer programme- Skywards Miles. This reward programme ensures that the card members are able to earn Skywards Miles for every dollar they spend on their card. These air miles can be redeemed for booking air tickets on flights anywhere on the Emirates network, without worrying about any black-out dates. In addition, card members may also redeem their miles to upgrade their tickets from Business class to First Class or from Economy Class to Business Class. Skywards Miles can also be used to shop, dine or purchase admission tickets for various events.
2. Discount Rewards - In addition to the Skywards Miles, Emirates Islamic Skywards Platinum Credit Cardholders also get to enjoy exclusive discounts on shopping, dining, travel and more. Emirates Islamic Skywards Platinum Credit Cardholders get access to Mazaya Offers where they can earn up to 30% discount at restaurants, exclusive shopping discounts at Emirates’ partner outlets across the UAE and exclusive travel offers from VISA.
3. Exclusive Golf Offer - Emirates Islamic Skywards Platinum Credit cardholders get access to complimentary Golf Fee Card. This amazing card helps golf enthusiasts avail exclusive benefits including:

• Up to 50% reduction on green fee at over 2,300 golf clubs in 110 countries.
• Up to 50% discount on the rack rate at 2,500 luxury hotels and golf resorts in 112 countries.
• Up to 30% reduction at several renowned car rental companies.
• From 10% price advantage on the purchase of golf equipment.

Emirates Islamic Skywards Platinum Credit Card Offers (Updated in June 2018)

• 20% Off Roxy Cinemas (No Promo Code Required)
• Up to 30% off at over 2000 restaurants in the UAE (No Promo Code Required)
• Up to 35% off on Avis car rental service (No Promo Code Required)
• Up to 12% off at Agoda (No Promo Code Required)
• 8% off at Booking.com (Promo Code - VISA8)
• Discounts on airport transfer service with Careem Rides (No Promo Code Required)
• Up to 50% reduction on green fee at over 2,300 golf clubs in 110 countries (No Promo Code Required)
• Up to 50% discount on the rack rate at 2,500 luxury hotels and golf resorts in 112 countries (No Promo Code Required)
• Up to 30% reduction at several renowned car rental companies(No Promo Code Required)
• From 10% price advantage on the purchase of golf equipment (No Promo Code Required)

Fees and Charges Emirates Islamic Skywards Platinum Credit Card

Annual Membership Fee	AED 700
Cash Advance Fee	3% of cash advance amount or AED 99 whichever is higher (This will be revised to 3% of cash advance amount or AED 149 whichever is higher effective April 01, 2019)
Maximum cash advance per transaction	10,000 or 50% of the card limit whichever is lower
Over limit fee	AED 249 (This will be revised to 279 effective April 01, 2019)
Late payment fee	AED 225
Card replacement fee	Free (This will be revised to 50 effective April 01, 2019)
Copy of sale voucher	AED 50
Overseas transaction in UAE Dirhams	1.99%
Forex Charges	2.34%
Minimum Payment Due	5% of statement balance plus any overdue amount, or AED 100, whichever is higher
No Liability Certificate	AED 50
Liability Letter	AED 50
Paper statement fee	10 (No Charge for Priority customers)
Cheque & Direct Debit Return	AED 100
E-statement	Free

Emirates Islamic Skywards Platinum Credit Card Rewards

1. Skywards Miles - The rewards programme for Emirates Islamic Skywards Platinum Credit Card is called the ‘Skywards Miles’. This award-winning rewards programme has been carefully conceptualized and thoughtfully designed to help frequent flyers in the UAE region make the maximum bangs for their bucks.

Cardmembers get to earn Skywards Miles for every 1 USD spent the card. The accumulated reward points or Skywards Miles can later be redeemed for free flights, ticket upgrades and more.

For USD 1 retail spends, the Skywards Miles earning rates are:

Category of Spend	Miles
Emirates airline	1.5 Miles
International	1.1 Miles
Domestic	0.75 Miles

Maximum Eligible Spends - For a particular month, card members cannot earn Skywards Miles more than the monthly credit limit of the card. In case spend on the card exceeds the monthly credit limit, no Skywards Miles are rewarded.

Mile Earning Categories - In addition to the retail spends, card members also get to earn Skywards Rewards on other domestic spends put on the card. However, these spends have different mile earning rates.

Check out the table below to understand the different category of domestic spends and the corresponding miles that card members can earn on them.

Spend Category	Miles Earning (% of Base Miles)
Grocery / Supermarkets	50%
Real Estate	50%
Insurance	15%
Education	15%
Government Services	15%
Car Dealership	15%
Fuel/Petroleum	25% (Effective March 2019)
Telecommunication Payment	25% (Effective March 2019)
Real Estate	25% (Effective March 2019)

International Spends - Any transaction made on Emirates Islamic Skywards Platinum Credit Card in non-AED currency or foreign currency is referred to as international spend. For such spends, Emirates Islamic Skywards Platinum Credit Cardholders earn 1.1 Skywards Miles for every 1 USD.

Redemption -The Skywards Miles accumulated by spending on the Emirates Islamic Skywards Platinum Credit Card can be redeemed for a wide range of rewards, benefits or exclusive privileges. Here are some such benefits that Skywards Miles are redeemable against: 

• Free air tickets on flights anywhere on the Emirates network
• Ticket/Class upgrades
• Instant upgrades on check-in
• Shopping at participating partners
• Admission tickets/passes for popular events
• Charity

1. Extra Miles - Emirates Islamic Skywards Platinum Credit Card members also have the option to earn additional miles by downloading the ExtraMiles App. This is a limited time offer and cardholders can get to earn 2 extra Skywards Miles for every USD 1 spent when making a transaction at Booking.com, Souq.com and rentalcars.com through the ExtraMiles App.

Here’s how Emirates Islamic Skywards Platinum Credit Card members can start earning 2 additional Skywards Miles:

• Download the ‘ExtraMiles’ App from the Google Play Store or Apple App Store.
• Register and submit the first 6 digits of the credit card number.
• Submit the Skywards Membership Number followed by the registered mobile number.

That’s it! Earning 2 additional Skywards Mile is just a few clicks away. But there are certain terms and conditions that card members must keep in mind:

• This offer is available only for Emirates Islamic Skywards Cards.
• The additional Skywards Miles are rewarded upon making the actual payment and not just booking.
• Extra Skyward Miles are awarded within 6 weeks from the date of the successful transaction.

1. Discount Rewards - Emirates Islamic Skywards Platinum Credit Card members have access to a wide range of exclusive discounts and privileges on dining, and shopping through Mazaya Offers in addition to the Skywards Miles. Furthermore, Emirates Islamic Skywards Platinum Credit Card also qualify for various deals and discounts from VISA.

How to Earn Rewards?

Cardmembers can start earning Skywards Miles by simply putting spend on their Emirates Islamic Skywards Platinum Credit Card. Skywards Miles can be earned for every successful credit card transaction equivalent to 1 USD.

Listed below is the table for spend category and the corresponding mile earning rate for Emirates Islamic Skywards Platinum Credit Card:

Category of Spend	Miles Earned
Emirates airline	2 Miles
International	1.5 Miles
Domestic	1 Miles

In addition to the retail spends, Emirates Islamic Skywards Platinum Credit Card members also get to earn double Skywards Miles for every transaction made at Emirates Airline. This means that for every 1 USD spent with Emirates Airline, card members get to earn 2 Skywards Miles. These Skywards Miles are calculated using the route taken, the ticket class, membership tier and air ticket type chosen by the card member. Also, Emirates Islamic Skywards Platinum Credit Card members get to earn Skywards Miles when they choose to fly with Emirates Airline’s partners.

Emirates Islamic Skywards Platinum Credit Card members also get to earn 2 extra Skywards Miles for every 1 USD spend by simply downloading Emirates’ ‘ExtraMiles’ app. The extra Skywards Miles earned through the app are added to the account within 6 weeks of the completion of the successful transaction through the app.

How to Redeem Your Points?

It is easy to redeem ‘Skywards Miles’. In order to redeem Skywards Miles, Emirates Islamic Skywards Platinum Credit Cardmembers need to simply present their card to Emirates’ shopping and dining partners. Alternatively, card members may get in touch with Emirates’ customer service and redeem their Skywards Miles for shopping vouchers.

In addition, card members may also choose to redeem their Skywards Miles to book free flights, ticket upgrades, upgrade at check-in etc. when travelling with Emirates Airline or its partner carriers. 

In addition, card members may also redeem Skywards Miles to book stays at luxury hotels at a wide range of destinations across the globe, entry tickets for popular events. Furthermore, card members may also choose to donate their Skywards Miles to support charitable organizations.

Please note - Skywards Miles are valid for three years.

Additional Information / Documentation

Here is a list of documents that applicants need to have in order to get Emirates Islamic Skywards Platinum Credit Card:

• Income documents/recent pay slips (Salaried individuals)
• Passport copy
• Resident visa
• Emirates id
• 3-6 months bank statement
• Credit card copy
• Recent credit card statement
• Residence proof
• Address Proofs

Best Platinum Islamic Credit Card in UAE

How to Apply For Emirates Islamic Skywards Platinum Credit Card?

Those wanting to apply for Emirates Islamic Skywards Platinum Credit Card may visit Policybazaar.ae to get their application processed in less than 2 minutes. All they need to do is to fill up the application form with relevant details. Upon successful submission of the application form, one of the many credit card specialists from the company contacts the applicant to answer all queries or questions they may have about the card. Thereafter, documents are collected from the applicants to process the credit card application.  

Policybazaar.ae makes the process of buying credit cards easier, well-informed and hassle-free. With in-depth credit card information including fees, features, benefits and more, Policybazaar.ae leaves no stones unturned to help point the applicants in the right direction.