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 per USD on travel and 2 points per 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 mostly on domestic purchases, dining, groceries, or rarely fly Emirates.
Watch out for
AED 5,775 annual fee is not waivable and requires heavy travel spend to justify.
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 purchases with no cap.
Includes Emirates Gold Tier status, lounge access, and airport transfers.
Sharia-compliant structure for customers seeking Islamic banking products.
Earns 2 points per USD on all international spend with no cap.
Watch out for
AED 5,775 annual fee with no waiver option.
Requires AED 35,000 minimum monthly salary to qualify.
Groceries, education, and utilities earn only 0.3 points per USD.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 5,775 annual fee is not waivable, so you need to spend heavily on travel and international purchases to justify the cost. If you fly Emirates regularly and use lounge access and airport transfers, the perks and earning rates can offset the fee.
What is the minimum salary to apply?
You must earn at least AED 35,000 per month to qualify for this card.
How much do I earn on groceries and education?
Groceries and education both earn 0.3 points per USD, which is minimal compared to the travel and international rates. This card is not designed for everyday domestic spending.
Can I use this card abroad?
Yes, international purchases earn 2 points per USD. However, the 3.49% foreign exchange markup applies to all transactions in foreign currency.
What Emirates benefits do I get?
The card includes Emirates Gold Tier status, lounge access, airport transfers, and other travel perks. These benefits are most valuable if you fly Emirates frequently.