ADIB Emirates Skywards Visa Infinite Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by ADIB earning up to 0.815 points per AED on travel and 0.543 points per AED internationally.
AED 4,725.00
Up to 0.815 pts/AED
AED 25,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 25,000+ monthly and spend heavily on international travel and Emirates flights.
Not ideal if
You spend mainly on groceries, utilities, or education with minimal international travel.
Watch out for
AED 4,725 annual fee is non-waivable and requires significant travel spend to justify.
Calculate This Card’s Value
Earning Rates
0.815 pts/AED
0.543 pts/AED
0.407 pts/AED
0.0679 pts/AED
0.0679 pts/AED
0.0679 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.815 points per AED on travel with no cap.
Strong 0.543 points per AED on all international purchases.
50,000 Skywards Miles welcome bonus after first spend within 30 days.
Premium perks include lounge access, valet parking, and Emirates tier status.
Watch out for
AED 4,725 annual fee with no waiver option.
Groceries, utilities, and education earn only 0.0679 points per AED.
AED 25,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 4,725 annual fee is non-waivable, so you need significant travel and international spend to justify the cost. The 50,000 Skywards Miles welcome bonus and premium perks like lounge access and Emirates tier status help offset the fee if you fly Emirates regularly.
How much do I earn on Emirates flights?
You earn 0.815 points per AED on travel purchases, including Emirates flights. There is no cap on travel earning, so frequent flyers can accumulate Skywards Miles quickly.
Does this card earn on school or university fees?
Yes, education spending earns 0.0679 points per AED. This rate is much lower than travel and international categories, so the card is not optimized for education expenses.
Can I use this card abroad?
Yes, international purchases earn 0.543 points per AED. The card charges a 3.45% foreign exchange markup, which is standard for UAE credit cards.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 25,000 to be eligible for this card.