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Emirates Islamic

Emirates Islamic Skywards Black Credit Card

Premium metal card with Skywards Gold fast-track and top-tier travel benefits

Key facts

Min salary: AED 25,000/mo
Annual fee: AED 2,100/yr
Salary transfer: Not required
FX fee: 2.3%
Monthly interest: 3.25%
Interest-free days: 55 days
Fee waiver: AED 2,100 option available without Gold tier fast-track

Earn rates

Travel & flights
No cap
3.5 miles/USD converted at 3.6725
0.953 miles / AED
Dining
No cap
Excluded cats earn at international rate (2 miles/USD), not reduced
0.545 miles / AED
Groceries
No cap
Excluded cats earn at international rate (2 miles/USD), not reduced
0.545 miles / AED
Bills & telecom
No cap
Excluded cats earn at international rate (2 miles/USD), not reduced
0.545 miles / AED
Fuel
No cap
Excluded cats earn at international rate (2 miles/USD), not reduced
0.545 miles / AED
School fees
No cap
Excluded cats earn at international rate (2 miles/USD), not reduced
0.545 miles / AED
Everything else
No cap
1.5 miles/USD converted at 3.6725
0.409 miles / AED

Perks

Premium Airport Lounge Access: Premium unlimited airport lounge access with metal card privileges.

The fine print that matters

Status fast-track option
AED 5,775 joining fee grants fast-track to Emirates Skywards Platinum for 12 months; standard joining/renewal is AED 2,100.

This card loves travel & flights. So do these deals →

Free Medical Travel Insurance (up to 15 days) for International Visitors with Etihad Airways

Free Medical Travel Insurance (up to 15 days) for International Visitors with Etihad Airways

Free driverless Taxi Rides in Jumeirah & Umm Suqueim for limited time

Free driverless Taxi Rides in Jumeirah & Umm Suqueim for limited time

Kenya Safari (Great Migration) for AED 6800 per person including flights (9-13 August)

Kenya Safari (Great Migration) for AED 6800 per person including flights (9-13 August)

Not sure it fits you?

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Info only, not financial advice. Always check the bank's Key Facts Statement.