Refer a Friend

Refer family & friends to Emirates Islamic. You earn. They earn.

Invite family members and friends to sign up for Emirates Islamic products and you and them will get rewarded with up to AED 3,000 each. The more you refer, the more cash rewards you earn.


You are just a click away to successfully Refer a Friend and earn cash!


Refer a Friend



Products Referrer Cash Reward (AED) Referee Cash Reward (AED)
Current or Savings Account Up to 3,000 Up to 3,000 Refer now
Personal Finance 250 250 Refer now
Credit Card Up to 500 - Refer now
Auto Finance 100 100 Refer now
Home Finance 500 500 Refer now
Gold Certificate 50 50 Refer now
Finance against Gold 250 250 Refer now
Takaful Plan Up to 500 Up to 500 Refer now
Auto Takaful 50 50 Refer now


By clicking the "Refer a Friend" button, you automatically agree on the below terms and conditions.

Upon a successful referral and subject to the below terms and conditions, the bank will credit the referral incentive into your Emirates Islamic account within the next 2 months from the booking date.

To ensure that you and your referral get your cash rewards, please enter your Mobile Number and Date of Birth correctly.


Terms & Conditions

Accounts
    Payments are as follows:
  • For Account balance of AED 50,000 – 249,999 , cash reward is AED 125 for referrer and AED 125 for referee
  • For Account balance of AED 250,000 – 499,999 , cash reward is AED 250 for referrer and AED 250 for referee
  • For Account balance of AED 500,000 – 999,999, cash reward is AED 750 for referrer and AED 750 for referee
  • For Account balance of AED 1,000,000 – 1,999,999, cash reward is AED 1,000 for referrer and AED 1,000 for referee
  • For Account balance of AED 2,000,000 – 4,999,999, cash reward is AED 2,000 for referrer and AED 2,000 for referee
  • For Account balance above AED 5,000,000, cash reward is AED 3,000 for referrer and AED 3,000 for referee

    • Reward will apply for New To Bank customers whose:
  • Customers' ID (CIF) was generated within 3 months from the referral date
  • Account balances refer the monthly average balance for each of the last 3 months
  • From balances payment slabs, EI will consider the minimum monthly average balance maintained in the first 3 months

Personal Finance
  • The referee should not have any active Emirates Islamic Personal Finance
  • Finance should be disbursed to the referee within 2 months of the referral date
  • Minimum Personal Finance amount disbursed should be AED 50,000

Credit Cards
    Payments are as follows:
  • Visa Platinum Credit Card AED 250 for referrer
  • Visa Signature/Infinite Credit Card AED 500 for referrer
  • Expo Credit Card AED 250 for referrer
  • The referee should not have any primary Credit Card with Emirates Islamic
  • The incentives are for primary Credit Cards only
  • The referred credit cardholder should use the credit card to make retail or cash purchases at least once in the first 60 days of the card issuance date
  • Credit card should be issued to the referee within two months of the referral date

Auto Finance
  • Applied to new Auto Finance deals
  • Finance should be disbursed to the referee within 2 months of the referral date

Home Finance
  • Applied to new Home Finance deals
  • Finance should be disbursed to the referee within 6 months of the referral date
  • Minimum Home Finance amount disbursed should be AED 500,000.00.

Gold certificate
  • Minimum 1kg bought within one month from the referral date at standard rate (i.e. without any fee waivers)

Finance against Gold
  • Deal booked within 2 months of referral at standard costs (i.e. without any fee waivers)

Takaful Plan
    Payments are as follows:
  • Regular Contribution Takaful Plan cash reward is AED 250 for referrer and AED 250 for referee
  • Lumpsum Takaful Plan cash reward is AED 500 for referrer and AED 500 for referee
  • Regular Contribution Takaful Plan: Minimum 1,000 AED monthly contribution or equivalent. Policy should be issued and activated within 2 months of referral
  • Lumpsum Takaful Plan: Minimum AED 100,000 or equivalent. Policy should be issued and activated within 2 months of referral

Other Terms & Conditions
  • The referees should apply for the products using the same mobile number, which registered in Emirates Islamic records as provided by the referrer.
  • Emirates Islamic has the right to amend or cancel this referral campaign at any time without any liability or responsibility on Emirates Islamic.
  • Emirates Islamic will contact the referees and mention referrer's name to them as the person who referred them to Emirates Islamic.
  • The information (Name, Mobile Number and Email address) referred by the referrer with Emirates Islamic as part of the referral campaign will be used for communication purpose only in this context.
  • Referrer and referee needs to have an EI Current or Savings account in active status or an active credit card so that referral payment can be deposited to their account/card by EI.
  • Referee will be automatically deposited the payment in his latest opened active CASA account, if no active CASA account in his active Credit Card, if no active credit Card then no referral payment will be done.
  • Referrer will be automatically deposited the payment in his account/debit/credit card declared in website, as long as they are active. If referrer declares wrong account/debit/credit card number, than no referral payment will be done.