Lifestyle
Merchant
Careem Dine Out
Careem Dine Out Offer
Valid until 30 Oct 2026
- Joining Fee
- AED 5,775
- Annual Fee
- AED 5,775
- Minimum Salary
- AED 35,000
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 18,988 potential value / year · incl. perks
Rewards
1.5Skywards Miles
per USD 1 on other eligible spending.
Reduced merchant categories have separate earning rates.
See full breakdown2Skywards 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 breakdown3.5Skywards Miles
per USD 1 on Emirates and flydubai spending.
Direct Emirates and flydubai spending in AED.
See full breakdown0.75Skywards Miles
per USD 1 on merchant spending in the EEA.
Merchant spending in EEA countries and the UK.
See full breakdownRewards Calculator
My Cards
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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.
Eligibility
21
Minimum Age
35,000AED
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.
September 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.
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
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
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
Offers
View offer
Lifestyle
Merchant
Emirates Holidays
Emirates Holidays Offer
Valid until 16 Dec 2026
Lifestyle
Merchant
RAK Ceramics
RAK Ceramics Offer
Valid until 27 Feb 2027
Lifestyle
Merchant
ZAPS
Travel Globally. Ride Locally.
Valid until 25 Sep 2027
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 breakdownAirport lounge access
Access to 1,200+ lounges with one guest.
Available through the card's Visa Infinite lounge programme. Registration, qualifying-spend and programme conditions may apply.
See full breakdownAirport 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 timing conditions apply.
See full breakdownUnlimited golf privileges
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 breakdownValet 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 breakdownTravel 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 breakdown24/7 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 breakdownFees
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.
Frequently Asked Questions
Get answers to common questions about Emirates Islamic Skywards Black Credit Card credit card
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