Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Emirates Islamic - Skywards Black Credit Card Emirates Islamic - Skywards Black Credit Card Minimum Salary: AED 35,000 Salary Transfer: No Islamic Finance: No Cashback: No Annual Fee: AED 4,200 Rate: 3.25%
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Key Benefits

Earn Skywards Miles

Up to 3.5 Skywards Miles per USD equivalent spend.

Emirates Skywards Gold Tier Membership

Fast Track update to Emirates Skywards Gold Tier Status.

Lounge Access

Complimentary Airport Transfers and Lounge access.

Skywards Miles

Enjoy earning Skywards Miles for every retail spend on your card.

For every USD 1 equivalent retail spend you will enjoy earning Miles according to the below earning rates.

Spend CategoryMiles Earn Rates
Spend at Emirates Airline3.5 Skywards Miles
International Spend (Non AED currency spend)Up to 2 Skywards Miles
Domestic Spend (AED currency spend)Up to 1.5 Skywards Miles

Complimentary Emirates Skywards Silver Tier Membership*

As an Emirates Islamic Skywards Black Credit Cardholder enjoy the Emirates Skywards Silver membership, offering exclusive benefits like:

  • Bonus Tier Miles
  • Extra baggage allowance
  • Priority check-in and many more

Emirates Skywards Silver Tier membership is available for as long as the Emirates Islamic Skywards Black Card is active. Emirates Skywards Programme Rules apply. If you are an existing Emirates Skywards Platinum or Gold member, your existing membership status will not be affected.

Skywards Gold Tier Membership for Supplementary Cardholder*

The Emirates Skywards Gold membership is available for one supplementary cardholder per primary cardholder. All you need to do is spend an additional minimum amount of AED 5,500 at Emirates and pay an Annual Membership Fee of AED 4,000 for your Supplementary Card

The Gold membership will be valid for a period of 1 year. To retain Gold status, the above criteria needs to be followed or the member needs to qualify as per the Emirates Skywards Programme Rules.

Customers can opt for the above criteria or simply take a supplementary card without any Tier Membership.

Fast Track to Emirates Skywards Gold Tier Membership*

As an Emirates Islamic Skywards Black Credit Cardholder, you can fast track to Skywards Gold Tier status with a minimum spend of AED 5,500 on Emirates Airline within 12 months from the Card Issuance date.

The Gold Membership will be valid for a period of 12 months from the enrollment date. For subsequent years, customer needs to meet the above mentioned criteria to continue enjoying the Gold Membership for the respective year.

For Existing Emirates Skywards Gold tier members, the validity of the existing membership will be extended by 12 months. If you are an existing Skywards Platinum member, your existing membership status will not be affected. 

25% discount on Skywards ‘Buy Miles’ and ‘Gift Miles’*

The Emirates Islamic Skywards Black Credit Card offers you a 25% discount when you buy or gift Skywards Miles.

Skywards Miles can be purchased online by visiting You need to log-in to your Emirates Skywards account and follow the Buy Miles process or the Gift Miles process.

The 25% discount will automatically be added when you check-out to pay for the Miles, as long as you are logged in to your Skywards Account and pay with your Emirates Islamic Skywards Black Credit Card.

Complimentary VOX Movie Tickets

Enjoy up to 4 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week.

Complimentary Lounge Access

Enjoy unlimited complimentary access for the cardholder and one guest to over 1000 airport lounges.

Unlimited Complimentary Golf

Enjoy unlimited complimentary golf at Arabian Ranches Golf Club or Track Meydan Golf Club or The Trump International Golf Club on weekends or weekdays.

Complimentary Airport Transfers

Take advantage of 4 complimentary airport transfers per calendar year to or from Dubai airport. All you need is to book your Emirates Airlines ticket with your Skywards Black Credit card. 

0% Easy Payment Plan on Emirates Airlines purchases

Convert your purchases made at into convenient monthly installments of 3 months.

Free Valet Parking

You are entitled to Complimentary Valet Parking Service, three times in a calendar month. Any additional use of service will cost AED 80 and will be charged to your Primary Credit Card. 

Extended Warranty

When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer’s warranty up to one year from the expiry date of the original warranty.

Purchase Protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.

Exclusive Visa Infinite Offers

We have partnered with VISA International to bring you exclusive discounts and special offers. Your Skywards Visa Infinite Credit Card privileges connect you to a world of ever changing luxury.

Multi Trip Travel Insurance

Travel with convenience and complete peace of mind. Your Emirates Islamic Credit Card allows you to save time and the expense of organising travel and medical insurance separately for your travel. All you need to do is pay for your travel with your card and you get automatically covered for travel accident and travel inconvenience insurance.

Cash Advance

You can now withdraw cash as per Bank's policy through your Emirates Islamic Skywards Black Credit Card's instant cash advance facility from any Emirates Islamic branch and at more than 780,000 ATMs, exchange houses and financial institutions worldwide displaying the VISA logo. Cash advance fee will apply and Skywards Miles are not awarded against cash advances..

Balance Transfer Facility

Now you can really save big time with your Emirates Islamic Skywards Black Credit Card balance transfer facility. You have the opportunity to pay off balances you owe to other banks through your Emirates Islamic Skywards Black Credit Card, with no profit charged on the balance transferred.

Global Concierge

Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge hotlines. 

Global Assistance

No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year. If your Visa Infinite card has been lost or stolen, Visa Global Customer Assistance Services representatives can help.

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual profit rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different profit rates and fee structures.
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