Emirates Islamic Skywards Signature Credit Card

1.5 miles per USD on Emirates/flydubai; ~1.1 miles per USD internationally; 0.75 mile per USD base (reduced on groceries, fuel, government).

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

Yes. The Emirates Islamic Skywards Signature Credit Card carries a joining fee of AED 735 and an annual fee of AED 735, so the cost to open the card matches what you pay to keep it each year. The fee schedule reviewed for this card doesn't list any spend-based waiver, so plan on the AED 735 charge annually rather than expecting it to drop off.

You need a minimum monthly salary of AED 12,000 to qualify, and the minimum applicant age is 21. No minimum credit limit requirement is specified beyond that salary and age threshold.

Yes. Cardholders get 1 complimentary valet parking session every month, on top of the airport lounge access and golf perks. You can also add up to 4 supplementary cards at no extra fee, useful for sharing the account with family without paying additional card charges.

Instead of conventional interest, it applies a monthly profit rate of 3.69% (44.28% per annum) on outstanding balances, with a minimum monthly payment of 5% of the balance and fees due. Spending abroad in a non-AED currency adds a 2.54% international transaction fee, cash advances cost 3.15% of the amount (or AED 103.95, whichever is higher), and AED transactions processed abroad carry a 1.99% surcharge.