Emirates Islamic Skywards Infinite Credit Card (Premium Option) Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 2 miles per USD on travel and 1.5 miles per USD internationally.
AED 2,100.00
Up to 2 miles/USD
AED 20,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel monthly and earn at least AED 20,000 salary.
Not ideal if
You mainly spend on groceries, utilities, or education with minimal international travel.
Watch out for
AED 2,100 annual fee and 3.49% FX markup on foreign currency transactions.
Calculate This Card’s Value
Earning Rates
2 miles/USD
1.5 miles/USD
1 mile/USD
0.5 miles/USD
0.15 miles/USD
0.15 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 2 miles per USD on travel and 1.5 miles per USD internationally.
20,000 welcome miles plus first-year fee refund after AED 30,000 spend in 180 days.
Emirates Silver Tier status, lounge access, valet parking, and golf perks included.
Sharia-compliant structure for customers seeking Islamic banking products.
Watch out for
AED 2,100 annual fee with no waiver option available.
Groceries earn only 0.5 miles per USD, utilities and education just 0.15 miles per USD.
AED 20,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 2,100 annual fee can be offset by the first-year refund if you spend AED 30,000 in 180 days, plus 20,000 welcome miles. After the first year, value depends on your international and travel spend to justify the cost.
How many miles do I earn on international purchases?
You earn 1.5 miles per USD on international purchases and 2 miles per USD on travel. All other spends earn 1 mile per USD, while groceries earn 0.5 miles per USD.
Can I use this card abroad?
Yes, the card works internationally but charges a 3.49% FX markup on foreign currency transactions. The 1.5 miles per USD on international spend helps offset this cost for frequent travellers.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 20,000 to be eligible for this card.
Does this card earn miles on school or university fees?
Yes, education spending earns 0.15 miles per USD, which is a low rate compared to travel and international categories.