Exclusive Offer

Additional cashback of up to AED 1,000

Additional cashback of up to AED 2,500

Additional cashback of up to AED 2,500

Additional cashback of up to AED 5,000

To qualify for the Campaign :

• Offer valid for approved GEMS Education staff only.
• Customer must have the first salary credit, activate debit card and register for EI+ Mobile banking and online banking within 2 months of opening the salary account.
• Customer to open an account within the Campaign period and ensure minimum of 3 consecutive monthly salary credits to be eligible for the cashback for all applicable retail products in the Campaign. (If salary credit amounts vary, the lowest salary will be considered to calculate the applicable cashback).
• Customer to apply for credit card and/or finance products within a maximum period of 3 months of opening salary transfer account (to be eligible for asset products cashback).
• Salary transfer campaign is valid for new to Emirates Islamic salary customers. Customers with existing accounts with Emirates Islamic are not eligible.
• Customer holding existing product(s) (Credit card, Personal Finance, Auto Finance or Home Finance) would not be eligible for Cashback applicable on the particular product.
• In case Customer applied for more than one credit card, first credit card application will be considered.

Cashback earnings :

• Credit Card cashback will only be fulfilled upon meeting the required retail spend conditions within 60 days of credit cards disbursal. Disputed and reversed transactions will not be considered in spend calculations.
• For personal finance customers, Campaign cashback is applicable for new to finance (non-buyout, non-top up, non-promotional/discounted rates), at standard rates and with a lock in period of 12 months installments.
• In case of early settlement (before 12 monthly installments are paid) 100% cashback clawback will apply and will be adjusted at the time of settlement.
• If the personal finance is sourced after 60 days of salary transfer account opening, customer will be eligible for cashback based on campaign eligibility criteria across all products.
• Personal Finance cashback is applicable for fresh finance only, at standard rates and with a lock in period of 12 months (in case of early settlement, cashback claw back will apply and will be adjusted at the time of settlement). Personal finance customers who do not qualify for Personal Finance cashback will not be eligible for Cashback on Salary Transfer or any other product related Cashback.
• Home finance cashback will not be applicable for customers whose home finance under policy mandates salary transfer to avail home finance .
• Salary account, credit card and/or finance products should be disbursed and active at time of cashback fulfillment .
• Cashback will be processed within 30 days of salary transfer campaign terms and conditions being met , credit card cashback will be credited on applicable credit card and for all other products salary account will be credited .

Conditions :

• 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 .
• Rates & benefits will be applicable based on the customer’s segment , their eligibility and capacity to avail financing as per the Bank’s credit policy and Central Bank of UAE regulations.
• Emirates Islamic Staff are not eligible for the Campaign.
• This Campaign is not valid in conjunction with any other promotions, campaigns or offers of the Bank.
• The Bank shall not entertain claims or liability or responsibility related to any benefit / rewards / claims or in respect of any services and products provided under the benefit / rewards by third-party supplier(s).
• This Campaign, its terms and conditions including its eligibility criteria is being designed and launched by the bank, which the bank reserve its right and to withdraw, amend or change it at any time.

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