Emirates Islamic Skywards Signature Credit Card Sharia-compliant
A Sharia-compliant travel credit card by Emirates Islamic earning up to 1.5 miles/USD on travel and 1.1 miles/USD internationally.
AED 735.00
Up to 1.5 miles/USD
AED 12,000
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 each month.
Not ideal if
You mainly spend on groceries, utilities, or education domestically.
Watch out for
AED 735 annual fee and 3.49% FX markup reduce value quickly.
Calculate This Card’s Value
Earning Rates
1.5 miles/USD
1.1 miles/USD
0.75 miles/USD
0.375 miles/USD
0.11 miles/USD
0.11 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.5 miles per USD on travel bookings with no cap.
Earns 1.1 miles per USD on all international spend.
Sharia-compliant card with lounge access, valet parking, and golf perks.
Watch out for
AED 735 annual fee is not waivable.
Groceries earn only 0.375 miles per USD, weak for everyday spend.
Education and utilities earn just 0.11 miles per USD.
Fees & Conditions
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Frequently Asked Questions
Is the AED 735 annual fee worth it?
It depends on your travel spend. If you regularly spend on international flights and overseas purchases, the 1.5 miles per USD on travel and 1.1 miles per USD internationally can offset the fee. If you spend mostly domestically, the fee will likely exceed the value of miles earned.
How many miles do I earn on groceries and utilities?
Groceries earn 0.375 miles per USD, while utilities and education earn only 0.11 miles per USD. These rates are low compared to the travel and international categories.
Can I use this card abroad?
Yes, the card earns 1.1 miles per USD on all international spend. However, a 3.49% foreign exchange markup applies to overseas transactions, which reduces net value.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 12,000 to be eligible for this card.
Does this card offer lounge access?
Yes, the card includes lounge access, valet parking, and complimentary golf rounds as part of its travel perks.