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Emirates Islamic Skywards Black Credit Card
Joining Fee
AED 5,775
Annual Fee
AED 5,775
Minimum Salary
AED 12,000
Islamic

Emirates Islamic Skywards Black Credit Card

Earn up to 3.5 Skywards Miles per USD with Skywards Silver, a fast track to Gold and premium Emirates travel benefits.

≈ AED 18,252 potential value / year · incl. perks
WebsiteVisit Emirates Islamic Skywards Black Credit Card credit card website

At a glance

Fees and eligibility

Joining Fee
AED 5,775
Annual Fee
AED 5,775
Minimum SalaryAED 12,000
See all fees

Top benefits

Airport lounge2/year
Airport transfers4/year
Golf
2/month
Cinema2/month
Valet parking
3/month
Concierge1/month
See all benefits

Rewards

CategoryEarnRate
Emirates, flydubai
3.5 miles per USD
4.2%

3.5 miles per USD

International
2 miles per USD
2.4%

2 miles per USD

Insurance, Automotive +8 more
0.3 miles per USD
0.36%

0.3 miles per USD

All other spend
1.5 miles per USD
1.8%

1.5 miles per USD

CategoryEarnRate
Emirates, flydubai
3.5 miles per USD
4.2%

3.5 miles per USD

International
2 miles per USD
2.4%

2 miles per USD

Insurance, Automotive +8 more
0.3 miles per USD
0.36%

0.3 miles per USD

All other spend
1.5 miles per USD
1.8%

1.5 miles per USD

See all rewards

Rewards

1.5Skywards Miles

per USD 1 on other eligible spending.

Reduced merchant categories have separate earning rates.

See full breakdown

2Skywards Miles

per USD 1 on eligible international spending.

Non-AED international transactions outside the EEA and UK; reduced merchant categories retain their rates.

See full breakdown

3.5Skywards Miles

per USD 1 on Emirates and flydubai spending.

Direct Emirates and flydubai spending in AED.

See full breakdown

0.75Skywards Miles

per USD 1 on merchant spending in the EEA.

Merchant spending in EEA countries and the UK.

See full breakdown

Rewards Calculator

My Wallet

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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

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Eligibility

21

Minimum Age

12,000AED

Minimum Income

Skywards membership is not required before applying

Emirates Islamic says it can create a Skywards account for approved customers who do not already have one.

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

November Spotlight

Emirates NBD

Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Offers

See all 8
Lifestyle

Merchant

Brands For Less

Brands For Less Offer

Valid until 1 Nov 2026
View offer
Lifestyle

Merchant

Air Arabia

Air Arabia Offer

Valid until 14 Nov 2026
View offer
Lifestyle

Merchant

Careem DineOut

Careem DineOut Offer

Valid until 28 Nov 2026
View offer
Lifestyle

Merchant

Carrefour

Carrefour Offer

Valid until 28 Nov 2026
View offer

Additional Benefits

Skywards status benefits

Complimentary Silver with a fast track to Gold.

Silver status remains available while the card is active. For fast-track Gold, pay the applicable membership fee and spend USD 5,000, equivalent to AED 18,365, on Emirates within 12 months of issuance.

See full breakdown

Airport lounge access

2 complimentary lounge visits yearly, with a guest.

Two complimentary lounge visits yearly via the Visa Airport Companion app for you and one guest. Further visits need USD 1 foreign-currency spend in the prior 15 days, else USD 32 per person; extra guests are always USD 32 per person per visit.

See full breakdown

Cinema offers

4 Buy-One-Get-One tickets monthly at Vox Cinemas.

Up to 4 Buy-One-Get-One tickets each month at Vox Cinemas, requiring AED 5,000 monthly card spend. Also 20% off tickets and food and beverages at Roxy Cinemas through 30 April 2027.

See full breakdown

Airport transfers

4 transfers per calendar year.

Travel to or from Dubai Airport when flying Emirates. The Emirates ticket must have been paid with the card within the previous six months, and the Emirates flight must be within 12 hours of the transfer.

See full breakdown

Airport Meet & Greet

2 complimentary Marhaba Silver services yearly.

Up to 2 complimentary Marhaba Meet & Greet services per calendar year, requiring AED 5,000 monthly retail spend.

See full breakdown

Unlimited golf privileges

Unlimited weekday and weekend rounds at participating clubs.

A minimum AED 10,000 calendar-month retail spend is required. Applicable green fees may be charged if the spend requirement is missed or for a no-show.

See full breakdown

Valet parking

Up to 3 complimentary services per month.

Requires AED 7,500 retail spend in the calendar month from 1 March 2026. Participating locations and service conditions apply.

See full breakdown

Travel takaful

Travel accident and inconvenience cover.

Pay for the trip with the card for cover including baggage delay, loss of belongings and personal accident benefits, subject to certificate limits and exclusions.

See full breakdown

24/7 global concierge

Travel, dining and lifestyle assistance worldwide.

Visa Infinite concierge can assist with hotel, restaurant and flight reservations. Provider availability and booking terms apply.

See full breakdown

Fees

5,775AED

Joining Fee

First-year total: AED 2,100 card maintenance fee plus AED 3,675 on Skywards Gold qualification. Without fast track: AED 2,100.

5,775AED

Annual Fee

Second year onward: AED 2,100 card maintenance fee plus AED 3,675 Gold tier fee. Without fast track: AED 2,100.

3.25%

Monthly Profit

39% annualised percentage rate.

Late Payment DonationAED 131.25
Cash Advance3.15%*

*3.15% of the amount or AED 103.95, whichever is higher.

Card ReplacementAED 420
Foreign Currency Fee2.3%*

*Bank fee; the card network's processing fee may also apply.

Important Stuff

Key Facts Statement

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Schedule of Charges

Opens in a new tab

Skywards Miles Earn Rates

Opens in a new tab

Skywards Black Product Page

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Frequently Asked Questions

Get answers to common questions about Emirates Islamic Skywards Black Credit Card credit card

3.5 Miles per USD 1 on Emirates and flydubai spending, 2 Miles per USD 1 on international spending, and 1.5 Miles per USD 1 on other eligible spending.

Groceries, insurance, car dealerships, government, utilities, charity, education, fuel, telecom, real estate and fast-food restaurants all earn 0.3 Miles per USD 1, a fifth of the domestic rate.

Merchant transactions in the EEA and the United Kingdom earn 0.75 Miles per USD 1. A foreign-currency purchase elsewhere uses the international rate instead.

Cash advances, bank fees, balance transfers and other non-retail transactions do not earn Skywards Miles. Earning is limited by your card limit and the issuer’s spending caps.

The card offers Silver status, a conditional fast track to Gold, and four Dubai Airport transfers per year for qualifying Emirates flights paid with the card. Visa Airport Companion lounge access has a foreign-spend condition after your first two complimentary visits each year. Gold status can be extended to a supplementary cardholder.

Joining fee AED 5,775. Annual fee AED 5,775.

AED 12,000 a month.

Redeem through Emirates Skywards for flights, upgrades and partner rewards. Availability and the Miles required depend on the itinerary you choose.

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