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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 2,391 value / year · incl. perks
Rewards
3.5Emirates Skywards Miles
per USD spent with Emirates or flydubai in AED.
Eligible Emirates and flydubai purchases in AED earn 3.5 Skywards Miles per USD equivalent.
See full breakdown2Emirates Skywards Miles
per USD on eligible international non-AED spend.
Eligible international spend in non-AED currency earns 2 Skywards Miles per USD. EEA and UK transactions earn 0.75 mile per USD.
See full breakdown1.5Emirates Skywards Miles
per USD on regular eligible domestic spend.
Regular domestic AED spend earns 1.5 Skywards Miles per USD. Grocery, fuel, telecom, government and other selected categories earn 0.3 mile per USD.
See full breakdownRewards Calculator
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.
August 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.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
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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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