Emirates Islamic Skywards Black Credit Card (Gold Tier Edition) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 3.5 points/USD on travel and 2 points/USD internationally.
AED 5,775.00
Up to 3.5 pts/USD
AED 35,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 35,000+ monthly and spend heavily on international travel and Emirates flights.
Not ideal if
You spend mainly on domestic groceries, dining, or utilities with little international travel.
Watch out for
AED 5,775 annual fee with no waiver option and AED 35,000 minimum salary requirement.
Calculate This Card’s Value
Earning Rates
3.5 pts/USD
2 pts/USD
1.5 pts/USD
0.3 pts/USD
0.3 pts/USD
0.3 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.5 points per USD on travel and 2 points per USD internationally.
Includes Emirates Gold Tier status, lounge access, and airport transfers.
Sharia-compliant structure for customers seeking Islamic banking products.
Cinema buy-one-get-one, golf rounds, and valet parking perks included.
Watch out for
AED 5,775 annual fee with no spend-based waiver available.
AED 35,000 minimum monthly salary restricts eligibility to high earners.
Groceries, education, and utilities earn only 0.3 points per USD.
Fees & Conditions
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Frequently Asked Questions
What is the minimum salary to apply for this card?
You must earn at least AED 35,000 per month to be eligible for the Emirates Islamic Skywards Black Islamic Credit Card (Gold Tier Edition).
How many points do I earn on international travel?
You earn 3.5 points per USD on travel purchases and 2 points per USD on other international transactions.
Is the AED 5,775 annual fee waivable?
No, the annual fee is not waivable based on spend. You must pay AED 5,775 each year to keep the card active.
What Emirates Skywards tier status does this card provide?
The card grants Emirates Gold Tier status, along with lounge access, airport transfers, and other premium travel benefits.
Does this card earn points on school or university fees?
Yes, education spend earns 0.3 points per USD, the same rate as groceries and utilities.