Emirates Islamic Skywards Black Credit Card

It earns 3.5 miles per USD on eligible Emirates and flydubai spend, 2 on regular international non-AED spend and 1.5 on regular domestic AED spend. EEA, UK and selected categories earn lower rates.

Pay the applicable membership fee and spend USD 5,000, equivalent to AED 18,365, on Emirates within 12 months of card issuance. The card includes complimentary Skywards Silver while active.

The Gold fast-track option costs AED 5,775: AED 2,100 on issuance and AED 3,675 on Gold qualification. The option without fast track costs AED 2,100.

You need to be at least 21 years old with a minimum income of AED 35,000. There's no minimum credit limit requirement listed, and you don't need to already have a Skywards membership before applying — Emirates Islamic says it can create a Skywards account for approved customers who don't have one yet.

Unlimited golf at participating clubs (weekday and weekend rounds) requires a minimum AED 10,000 calendar-month retail spend, with applicable green fees charged if you miss the threshold or no-show. Valet parking gives up to 3 complimentary services per month but needs AED 7,500 retail spend in that calendar month, effective from 1 March 2026, at participating locations.

The monthly profit rate is 3.25% (39% annualised), and a cash advance costs 3.15% of the amount or AED 103.95, whichever is higher. Foreign currency transactions carry a 2.3% bank fee, on top of any processing fee the card network charges. A card replacement costs AED 420, and the late-payment commitment-to-donate amount is AED 131.25.