Emirates Islamic Skywards Infinite Credit Card (Base Option) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 2 miles per USD on travel and 1.5 miles per USD internationally.
AED 1,048.95
Up to 2 miles/USD
AED 20,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 20,000+ monthly and spend heavily on international travel and flights.
Not ideal if
You spend mostly on groceries, utilities, or education with minimal international travel.
Watch out for
3.49% FX markup on foreign transactions can erode miles value on overseas spend.
Calculate This Card’s Value
Earning Rates
2 miles/USD
1.5 miles/USD
1 mile/USD
0.5 miles/USD
0.15 miles/USD
0.15 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 2 miles per USD on travel and 1.5 miles per USD internationally.
First-year fee refunded if you spend AED 30,000 within 180 days.
Includes Emirates Silver Tier status, lounge access, and cinema BOGO offers.
Sharia-compliant card suitable for Islamic banking customers.
Watch out for
AED 1,048.95 annual fee with no ongoing waiver option after first year.
Groceries earn only 0.5 miles per USD, utilities and education 0.15 miles.
3.49% FX markup increases cost on all foreign currency transactions.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
Emirates Islamic
Skywards Infinite Credit Card (Premium Option)
Similarity score97/100
Emirates NBD
Skywards Infinite Credit Card
Similarity score90/100
DIB
Emirates Skywards DIB Infinite Islamic Credit Card
Similarity score89/100
HSBC
Emirates Skywards Signature Credit Card
Similarity score85/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Emirates NBD
Marriott Bonvoy World Elite Credit Card
Comparison fit87/100
HSBC
Emirates Skywards Infinite Credit Card
Comparison fit86/100
Emirates Islamic
Skywards Signature Credit Card
Comparison fit86/100
DIB
Emirates Skywards DIB Signature Islamic Credit Card
Comparison fit86/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 1,048.95 annual fee is refunded in the first year if you spend AED 30,000 within 180 days. After that, it's worth it only if you spend heavily on travel and international purchases to earn enough Skywards miles to offset the cost.
How many miles do I earn on travel and international spend?
You earn 2 miles per USD on travel purchases and 1.5 miles per USD on international transactions. All other spending earns 1 mile per USD, except groceries at 0.5 miles per USD and utilities and education at 0.15 miles per USD.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for this card.
Can I use this card abroad?
Yes, but be aware of the 3.49% foreign exchange markup on all transactions in foreign currencies, which can reduce the net value of the miles you earn.
Does this card earn miles on school or university fees?
Yes, education spending earns 0.15 miles per USD, which is the lowest rate on this card and significantly below the travel and international rates.