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 and overseas purchases, earning AED 20,000 or more monthly.
Not ideal if
You spend mostly domestically or focus on dining, groceries, and everyday local purchases.
Watch out for
AED 2,100 annual fee is not waivable and requires high travel spend to justify.
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.
Sharia-compliant card with Emirates Silver Tier status and lounge access included.
Welcome bonus of 20,000 miles plus first-year fee refund on AED 30,000 spend.
No caps on miles earning across any spend category.
Watch out for
AED 2,100 annual fee with no waiver option available.
Requires AED 20,000 minimum monthly salary, limiting eligibility.
Weak earning on groceries, utilities, and education at 0.5 or 0.15 miles 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 spend. The fee is not waivable, but the welcome bonus refunds the first-year fee if you spend AED 30,000 in 180 days. Ongoing value requires consistent travel and overseas spending to earn enough miles.
How many miles do I earn on international purchases?
You earn 1.5 miles per USD on international spend and 2 miles per USD on travel. All other domestic spend earns 1 mile per USD, while groceries earn 0.5 miles per USD.
Does this card earn miles on school or university fees?
Yes, education spend earns 0.15 miles per USD. This is a lower rate compared to travel and international categories, but there is no cap.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for this card.
Can I use this card abroad without high fees?
Yes, but be aware of the 3.49% foreign exchange markup on international transactions. The strong miles earning on international spend can help offset this cost if you travel frequently.