ADIB Emirates Skywards Visa Signature Islamic Credit Card Sharia-compliant
A Sharia-compliant travel credit card by ADIB earning up to 0.679 points per AED on travel and 0.407 points per AED internationally.
AED 1,575.00
Up to 0.679 pts/AED
AED 10,000
3.45%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on travel and international purchases and fly Emirates regularly.
Not ideal if
You spend mainly on domestic groceries, utilities, or education with minimal travel.
Watch out for
Non-waivable AED 1,575 annual fee requires significant travel spend to justify the cost.
Calculate This Card’s Value
Earning Rates
0.679 pts/AED
0.407 pts/AED
0.271 pts/AED
0.0679 pts/AED
0.0679 pts/AED
0.0679 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.679 points per AED on travel with no cap.
Strong 0.407 points per AED on all international spend.
25,000 Skywards Miles welcome bonus on first spend within 30 days.
Emirates Silver Tier status, lounge access, and airport transfer perks included.
Watch out for
AED 1,575 annual fee is not waivable regardless of spend.
Groceries, utilities, and education earn only 0.0679 points per AED.
AED 10,000 minimum monthly salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the AED 1,575 annual fee worth it?
It depends on your travel spend. If you regularly spend on flights, hotels, and international purchases, the 0.679 points per AED on travel and 0.407 points per AED internationally, plus the 25,000 Skywards Miles welcome bonus, can offset the fee. If you spend mostly on domestic groceries or utilities, the fee is hard to justify.
How does the welcome bonus work?
You receive 25,000 Skywards Miles on your first spend within 30 days of card approval, subject to meeting the required spend threshold of AED 1.
Does this card earn on school or university fees?
Yes, education spending earns 0.0679 points per AED. However, this is a low rate compared to the 0.679 points per AED on travel, so the card is not optimized for education expenses.
Can I use this card abroad?
Yes, and international spend earns 0.407 points per AED. The card charges a 3.45% foreign exchange markup on transactions in currencies other than AED.
What is Emirates Silver Tier status?
The card includes complimentary Emirates Silver Tier status, which offers benefits like priority check-in, extra baggage allowance, and bonus Skywards Miles on Emirates flights.