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/USD on travel and 2 points/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.
Not ideal if
You spend mostly on dining, groceries, or domestic purchases with low travel.
Watch out for
Non-waivable AED 2,100 annual fee requires significant 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.
2 points per USD on all international spend, rewarding overseas use.
Emirates Silver Tier status, lounge access, and airport transfer perks included.
Sharia-compliant structure for customers seeking Islamic finance products.
Watch out for
AED 2,100 annual fee is not waivable, regardless of spend.
Groceries, education, and utilities earn only 0.3 points per USD.
AED 35,000 minimum monthly salary restricts eligibility to high earners.
Fees & Conditions
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Frequently Asked Questions
Is the AED 2,100 annual fee worth it?
It depends on your travel spend. If you spend heavily on international travel and flights, the 3.5 points per USD on travel and 2 points per USD internationally, plus Emirates Silver Tier and lounge access, can justify the fee. For low travel spenders, the fee is hard to recover.
What is the minimum salary to apply 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).
How much do I earn on groceries and utilities?
Groceries, education, and utilities earn 0.3 points per USD. This is significantly lower than the travel and international rates, so the card is best suited for travel-focused spending.
Can I waive the annual fee with spending?
No, the AED 2,100 annual fee is not waivable. You will pay it every year regardless of how much you spend on the card.
Is this card good for domestic spending in the UAE?
Not particularly. Domestic spend earns 1.5 points per USD on general purchases and only 0.3 points per USD on groceries, education, and utilities. The card is designed for international and travel spending, where it earns 2 to 3.5 points per USD.