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 Emirates flights each month.
Not ideal if
You spend mostly domestically or rarely use premium travel perks.
Watch out for
AED 735 annual fee is not waivable and requires high travel spend to justify.
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/USD on travel bookings with no cap.
Strong 1.1 miles/USD on all international purchases.
Includes lounge access, valet parking, and complimentary golf rounds.
Sharia-compliant card suitable for Islamic banking customers.
Watch out for
AED 735 annual fee with no waiver option.
Very low 0.11 miles/USD on education and utilities.
Requires AED 12,000 minimum monthly salary to qualify.
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 book flights and spend internationally, the 1.5 miles/USD on travel and 1.1 miles/USD internationally, plus lounge access and other perks, can offset the fee. For mostly domestic or low spenders, the fee is hard to justify.
How many Skywards miles do I earn on everyday spending?
You earn 0.75 miles/USD on all other spends, 0.375 miles/USD on groceries, and just 0.11 miles/USD on education and utilities. The card is designed for travel, not everyday local purchases.
Can I use this card abroad?
Yes, and you earn 1.1 miles/USD on all international purchases. The card charges a 3.49% foreign exchange markup on overseas transactions.
Does this card earn on school or university fees?
Yes, but at a very low rate of 0.11 miles/USD on education spend. This card is not optimized for school fees.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 12,000 to qualify for the Emirates Islamic Skywards Signature Islamic Credit Card.