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 spend heavily on international travel and overseas purchases monthly, earning AED 20,000 or more.
Not ideal if
You spend mainly on dining, groceries, utilities, or domestic purchases with minimal travel.
Watch out for
AED 1,048.95 annual fee is non-waivable and requires high travel spend to justify.
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.
Emirates Silver Tier status, lounge access, valet parking, and golf perks included.
10,000 Skywards miles welcome bonus plus first-year fee reversal on AED 30,000 spend.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 1,048.95 annual fee is not waivable regardless of spend.
Groceries earn only 0.5 miles per USD, utilities and education just 0.15 miles.
AED 20,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,048.95 annual fee is non-waivable, but the first-year fee is reversed if you spend AED 30,000 in 180 days. If you spend heavily on travel and international purchases, the 2 miles per USD on travel and 1.5 miles per USD internationally, plus Emirates Silver Tier and lounge access, can justify the cost.
How many Skywards miles do I earn on groceries and utilities?
Groceries earn 0.5 miles per USD, while utilities and education earn 0.15 miles per USD. These are lower rates, so this card is best for travel and international spend, not everyday domestic categories.
What is the welcome bonus and how do I get it?
You receive 10,000 Emirates Skywards miles and a first-year fee reversal when you spend AED 30,000 within 180 days of card approval.
Can I use this card abroad?
Yes, the card earns 1.5 miles per USD on international spend and 2 miles per USD on travel. A 3.49% foreign exchange markup applies to all transactions in foreign currency.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for this card.