Emirates Islamic Skywards Black Credit Card (Silver 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 2,100.00
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 overseas purchases.
Not ideal if
You spend mostly domestically or on groceries, education, and utilities with low travel activity.
Watch out for
Non-waivable AED 2,100 annual fee requires high international spend to justify the cost.
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.
Emirates Silver Tier membership with lounge access and airport transfer perks included.
Sharia-compliant structure for customers seeking Islamic banking products.
No caps on travel or international earning categories.
Watch out for
AED 2,100 annual fee is non-waivable regardless of spending.
Requires AED 35,000 minimum monthly salary, limiting eligibility.
Groceries, education, and utilities earn only 0.3 points per USD.
Fees & Conditions
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Frequently Asked Questions
Is the AED 2,100 annual fee worth it?
It depends on your international and travel spending. If you regularly spend on flights, hotels, and overseas purchases, the 3.5 points per USD on travel and 2 points per USD internationally, plus Emirates Silver Tier perks, can offset the fee. For mostly domestic spending, the fee is hard to justify.
What is the minimum salary to qualify for this card?
You need a minimum monthly salary of AED 35,000 to be eligible for the Emirates Islamic Skywards Black Islamic Credit Card (Silver Tier Edition).
Can I use this card abroad?
Yes, the card earns 2 points per USD on international transactions. However, a 3.49% foreign exchange markup applies to all overseas spending, which adds to the cost.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.3 points per USD. This is a lower rate compared to travel and international categories, so it is not a strong reason to choose this card.
What perks come with Emirates Silver Tier membership?
The card includes Emirates Silver Tier status, lounge access, airport transfer, cinema buy-one-get-one offers, golf rounds, and valet parking. These perks add value if you travel frequently and use airport services regularly.