Emirates Islamic Skywards Infinite Credit Card

2 miles per USD on Emirates/flydubai; 1.5 miles per USD internationally; 1 mile per USD base (reduced on groceries, fuel, government).

Complimentary airport lounge access and complimentary golf at participating UAE courses.

The card carries a standard AED 2,100 annual fee, though joining is free. A current promotional rate drops the recurring fee to AED 999, and that amount is waived entirely once you spend AED 150,000 or more on the card in a year, so heavy spenders can hold this card fee-free from year two onward.

You need a minimum monthly salary of AED 20,000 and to be at least 21 years old. Emirates Islamic does not list a minimum credit limit requirement for this card, so approval is based mainly on the salary and age criteria.

For cards issued through 30 September 2026, the first-year AED 999 fee is reversed if you spend AED 30,000 within 180 days of getting the card. From the second year onward, the AED 999 fee applies again unless your annual spend reaches AED 150,000, at which point it is waived.

The Black card sits above the Infinite: it needs a AED 35,000 salary versus AED 20,000 here, and carries a AED 5,775 annual fee against this card's AED 2,100. Mile earn rates are also higher on Black (3.5 per USD on Emirates/flydubai, 2 per USD international) versus 2 and 1.5 per USD here.