Super Savings Skywards Account

Key Benefits

Bonus Miles

Get 2000 bonus Skywards Miles when you open your Islamic banking saving account*

Skyward Miles

Earn up to 15000 Skywards Miles per quarter.

Easy Account Opening

Existing customers can open saving account through Online Banking

Profits

Profits paid out quarterly

*Criteria to qualify for Joining Bonus Miles - To be eligible for 2000 Joining Bonus Miles the customer needs to either transfer a minimum monthly salary of AED 5,000 Or maintain a minimum monthly average balance of AED 20,000 within the first two months from the account open date i.e. either in the account opened month or latest in the subsequent month.

Click Here to view the Key Facts Statement, Schedule of Charges and other important information for this product.

Benefits

Free internationally recognized debit card
Available in AED
Get 2000 bonus Skywards Miles when you open your account*
Earn up to 15000 Skywards Miles per quarter.
Free Saving Account with no minimum balance requirement
Online banking to view, manage and conduct transactions at your convenience
Phone banking giving you anytime, anywhere access to your accounts
SMS account updates for charge card balances and other transactions

Rewards

Average Balance Customers

Balance	Complementary Skywards Miles/Quarter
Upto AED 19,999	NA
AED 20,000 - AED 49,999	500 miles
AED 50,000 - AED 249,999	2,500 miles
AED 250,000 - AED 499,999	5,000 miles
AED 500,000 - AED 999,999	10,000 miles
AED 1 Million and above	15,000 miles
One Time Bonus Miles	2000 miles

Salary Transfer Customers

Salary Transferred	Complementary Skywards Miles/Quarter
Upto AED 4,999	NA
AED 5,000 - AED 14,999	500 miles
AED 15,000 and above	1,000 miles
One Time Bonus Miles	2000 miles

Customers will be awarded Skywards Miles based either on salary transfer criteria or the balance based criteria, whichever is higher. Emirates Islamic Terms and Conditions Apply.

Click here to view the Terms and Conditions related to the Super Savings Skywards Miles.

Please Note: Call +971 4 3167000 within UAE or +971 4 3167000 outside UAE or visit www.skywards.com to apply for Skywards membership.

How to Apply

Existing Customer

Log into Online Banking to apply. Click here to log into Online Banking and follow below simple steps:
- For best experience, if you don’t have skywards membership, visit Emirates.com to issue Skywards membership number.
- Click on Account, then Click on Open Account
- Select option as per below:
  - Product type as 'Super Savings Skywards'
  - Choose required Currency as AED
  - Select the Checkbox to agree to the Terms & Conditions
  - Click Next
- Input Skywards Membership Number and click Next on the next Page, and your Super Savings Skywards Account number will be generated
Not an Online Banking customer? Click here to register.

New Customer

Please click here to apply now.

Frequently Asked Questions

Conventional Bank is a financial body which receives money from the depositors against fixed rate of interest and it offers liquidity to borrowers against interest. And it is governed by conventional banking laws.
Islamic Bank is a financial body which executes commercial contracts likes sale, leasing, construction and are governed by Islamic Banking laws which allow for financial bodies to carry on commercial activities for profitable purposes.

In Conventional Banking, Savings Account and Fixed Deposit (FD) are a special type of Savings Account that pays a predetermined interest over a predetermined period of time. The depositors from conventional banks receive Interest from their investments in the form of predetermined interest rates irrespective of bank’s performance.

In Islamic Banking, bank depositors receive their returns depending solely on the bank’s performance. Unlike Conventional Banks, an Islamic Bank acts as an intermediary between the depositor and the financee. As such, Islamic banks declare their profits on a monthly basis as part of their risk sharing scheme “Mudaraba Scheme”.

Interest is certain amount of return from specific sum of money invested over predetermined period of time. This is not permissible as per Shari’a.

Profit is an undetermined return from specific sum of money invested over a predetermined period of time and it may vary from month to month, directly depending on how the bank performs. This is permissible as per Shari’a.

Yes, an Emirates Islamic account can be opened for a minor who is less than 21 years of age, without a Cheque Book facility. The account will be opened and operated by the Guardian.

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