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EIB Visa Infinite – the 'classiest' card ever !

If success and exclusivity are words that fit your lifestyle, adding the Emirates Islamic Bank's Visa Infinite card to your wallet ought to be the natural choice. Designed to make a statement about your truly sophisticated lifestyle, the Visa Infinite card is your passport to an exclusive world of complementary benefits and privileges. Simply put, it's a unique expression of your personality !

 Introducing Emirates Islamic Bank's Credit Card – a truly Shari'a compliant credit card designed with you and for you. 

Emirates Islamic Bank's Credit Card allows convenient access to cash for those unexpected expenses, giving you the flexibility to purchase larger buys. It allows you to go on that dream vacation without having to worry about the prohibitive interest charges associated with other credit cards.

With Emirates Islamic Bank's Credit Card, we tell you the cost of using your credit card up front and with no additional surprise charges. 

Unlike conventional credit cards, Emirates Islamic Bank credit card does not charge interest on your outstanding balance. You don't need to figure out how interest works and how it is charged to your credit card account.

Here is how your Visa Infinite Credit Card works:

Every month, you pay a fixed fee which allows you to use the card up to your approved limit. Like most credit cards, you will receive a monthly statement detailing the transactions for the month. Pay as much as you want, as long as it reaches the minimum amount required. The only difference is you will not see the dreaded "interest" printed on your statement.

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Features

• A truly fully Shari'a compliant credit card in the market.
• Salary transfer is not mandatory
• Worldwide acceptance at over 30 million establishments.
• Free supplementary cards.
• Up to 55 grace days with no charges.
• 40% Cash Advance facility.
• Free of 'Riba' and 'Gharar'.
• Added security–photo feature providing instant recognition and foolproof security.
• Settlement by cash/cheque or direct debit to your Emirates Islamic Bank account.
• Free online access.
• Utility bill payments.
• 24 hours assistance through a dedicated call centre.
• Free card delivery.
   

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Benefit

* Please note that the value added services offered only to the primary cardholders

• Travel Services
  Your Visa Infinite credit card comes with a range of travel service offers designed to make your life easier. Make airline reservations through our reputed associates for travel services by calling 04 - 33 55559 or simply sms EIB to 050 5586926 and one of our travel consultants will call you back. We will deliver the tickets straight to your door step. You are eligible to receive a discount of up to 10%, depending on the airline and destination chosen. Please identify yourself as an Emirates Islamic Bank cardholder and the purchase should be made using Emirates Islamic Bank credit card to avail any discounts.
   

• Priority Pass (Airport VIP lounge access)
  Welcome to the world's largest independent airport VIP lounge program. Gain free access to over 500 airport VIP lounges in 90 countries and over 275 cities – so you can treat yourself like a VIP, no matter where you travel, on which airline or class. Relax and unwind away from the chaos of the airport, while you enjoy a range of complimentary refreshments. Most lounges offer phone, fax, email and internet connectivity and some even have conference rooms. Emirates Islamic Bank is pleased to offer you one complimentary visit. Every additional lounge visit will be charged at USD 24 per visit.
   

• Emergency Service (Medical & Legal)
  To make sure you get help when you need it most, we have added emergency assistance services to our Visa Infinite credit card package. Just call +44 20 8762 8008 to speak to an International SOS operator or please refer to Visa Call Centre Service (VCCS) phone numbers provided. They will be able to refer you to appropriate emergency legal and medical services anywhere in the world, in addition to providing travel information, technical help, interpreters and many other services.
   

• Exclusive Visa Infinite Offers
  We have partnered with VISA International to bring you exclusive discounts and special offers. Your Emirates Islamic Bank Visa Infinite privileges connect you to a world of ever changing luxury.
   

• Concierge Service
  Whether you are looking to make an air travel reservation, charter a yacht, get tickets to a sell-out event or source an elusive gift, our network of resources is at your disposal. The service also keeps track of your individual profile, ensuring that your requirements and preferences are fully understood. To reach the concierge services, please refer to the Assistance Directory.
   

• Emergency Roadside Assistance
  We have partnered with a very reputed company offering Emergency Roadside Assistance service for our valued Visa Infinite card customers. Our customers would receive roadside assistance services like tyre change, towing, battery boost, fuel delivery and lock out services. Also included is the unique benefit of car registration service. Our preferred partner has a 24/7 call centre at 800 4662 which will offer Toll Free service to our credit cardholders when they need any of the above services. A co-branded sticker will be provided by our partner which will go on the windshield of the cardholder's vehicle. It is mandatory to display the sticker on the vehicle to avail any of the above services. Feel free to call our preferred partner "Autopal Middle East" at Toll Free 800 4662 anytime for emergency roadside assistance.
   

• Travel Insurance
  Emirates Islamic Bank in association with a reputed Takaful company offers you and your family an extensive range of travel insurance designed specifically to provide you with the convenience, comfort and peace of mind you deserve. It protects the cardholder (and his/ her family) for trips abroad for up to 90 days duration and includes trip cancellation, medical cover, repatriation, lost baggage, loss of money, personal liability, legal expenses and death & disability benefit. To be eligible, you must purchase the tickets using you skywards EIB Credit Card. For travel insurance benefits, customer enquiries and claims, please refer to the Terms and Conditions guide.

  SECTIONS	BENEFITS
  1	Emergency Medical Expenses (Adults)	150,000
  2	Emergency Medical Expenses (Children less than 16 yrs)	150,000
  3	Emergency Dental Care (Adults)	500
  4	Emergency Dental Care (Children less than 16 yrs)	500
  5	Cancellation and Curtailment (Per Person)	500
  6	Cancellation and Curtailment (Per Family)	1,500
  7	Delayed Departure (Per Person)	350
  8	Delayed Departure (Per Family)	1,500
  9	Delayed Baggage (Per Person)	350
  10	Delayed Baggage (Per Family)	1,500
  11	Loss of Personal Baggage (Per Person)	5,000
  12	Loss of Personal Baggage (Per Family)	1,500
  13	Personal Accident	175000
  14	Cash Limit (Per Person)	250
  15	Cash Limit (Per Family)	500
  16	Personal Liability (Per Person)	60,000
  17	Jewellery and Valuable	1,000
  18	Single Article Limit	500

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How and where to make your Monthly Card Payments
For the monthly payment of your Skywards EIB Credit Card bill (which can be as low as 5%), you can simply use any of the following payment channels:

Payment through Exchange Houses

Credit card customers can make their payments through any outlet of Al Ansari Exchange or UAE Exchange.

• Customers can make payment up to AED 35,000 per day.
• All payments will be accepted in the form of Cash only.
• All payments will reflect in your credit card account in 2 to 3 working days.

To view the complete list of outlets for the respective Exchange Houses, kindly click on Al Ansari Exchange or UAE Exchange

Cheque Payments: Drop Box or by Mail

• Simply send a cheque in favor of Skywards EIB Credit Cards by mail to the EIB Card Centre (address pre- printed on card payment envelope enclosed with your card billing statement), or through the drop box facility available at all designated branches.
• Please remember to write your name and Credit Card number at the back of the cheque and send it enclosed with the detached payment slip from the bottom portion of your card statement.
• Please do not send any cash inside your payment envelope.
• Payment by cheque is first sent for clearing and only after funds are received, payment is posted to your account. This procedure takes approximately 3 to 5 working days.

Pay Bills Online
Being an Emirates Islamic Bank account holder, you can pay your monthly Credit Card bills online.  Just log onto www.emiratesislamicbank.ae.

If your Credit Card account is not linked, then simply call our Customer Service Centre on 04 316 0101 for assistance.

Auto Payment Facility-Online
Schedule your monthly bill payment through BankNet (online banking) by using the Auto Payment Transfer facility. If you hold an Emirates Islamic Bank account you can arrange for your monthly bill to be automatically deducted from your account – all at the click of a button.

Cash at Counter
You can make cash payment at all Emirates Islamic Bank branches during banking hours.

Cash Deposit Machines
You can make your Credit Card payment through our Cash Deposit Machines even if you don't have the physical Card with you.  All you need is your card number.

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Eligibility 

• Minimum salary of AED 25000.
• Self-Employed individuals with the above income requirement.
• Non-working individuals with a letter of undertaking from their guardian/ spouse, along with the above requirement for the guarantor or by placing a fixed deposit.
• Minimum age for the primary card applicant is 21 years and for the supplementary card applicant is 18 years.
   

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Documentation Required 

• Filled Application Form.
• For UAE nationals - Copy of Khulasat Al Qaid OR passport copy.
• For expatriates - Passport copy with valid residence visa.
• Bank statements for the latest 3 months (personal bank statements for salaried individuals, company bank statements for self-employed individuals).
• Latest original salary certificate (for salaried individuals).
• If self-employed: Copy of valid Trade License and notarized power of attorney, or partnership deed.
• Security cheque: undated cheque for full limit of credit card plus 5%

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