Current Account
Salary-based balance waiver; cash campaign separate
Published salary minimum: AED 5,000
Account source reviewed 2026-10-22.
Emirates Islamic UAE Credit Cards and Bank Accounts
Explore 4 current card products and 1 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
Emirates Islamic accounts and salary options
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Skywards Black Credit Card
Dirham Score 3.0/5100% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.3%; scheme charges may apply
Annual fee AED 2,100
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,446.5
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,100
Actual modelled netAED -653.5
Costs exceed estimated rewards; headline is floored at zero.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Skywards Black Credit Card review and fee maths
Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.
Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.
Monthly profit rate: 3.25%. Bank FX charge: 2.3%.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Baseline without Gold fast track: AED 2,100 annual fee including VAT. Gold fast-track option totals AED 5,775 (AED 2,100 on issuance plus AED 3,675 on Gold qualification). The optional extra fee is not added to this baseline model.
Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.75 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.
The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.
Foreign fee 2.3% including VAT plus network approximately 1.15%. Monthly published profit 3.25%; check the signed offer and total borrowing cost.
Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.
Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.
Official bank source · checked 2026-10-18Detailed Skywards category and EEA/UK earn table
VAT-inclusive card schedule of charges
Official catalogue: salary and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Skywards Signature Credit Card
Dirham Score 3.2/5100% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Annual fee AED 735Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 822
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 821.99
Fee waiver+ AED 735
Joining-fee refund+ AED 0
Annual fee− AED 735
Actual modelled netAED 821.99
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Skywards Signature Credit Card review and fee maths
Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.
Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Annual fee AED 735 including VAT. The bank currently advertises first-year fee waiver after AED 5,000 retail spend within 90 days; subsequent annual waiver requires AED 30,000 annual spend. Confirm application conditions.
Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.275 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.
The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.
Foreign fee 2.54% including VAT plus network approximately 1.15%. Monthly published profit 3.69%; check the signed offer and total borrowing cost.
Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.
Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.
Official bank source · checked 2026-10-18Detailed Skywards category and EEA/UK earn table
VAT-inclusive card schedule of charges
Official catalogue: salary and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic RTA Platinum Credit Card
Dirham Score 3.1/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 1,883
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,883.4
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,883.4
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic RTA Platinum Credit Card review and fee maths
Reel Buy 1 Get 1 tickets subject to AED 3,000 monthly retail spend, eligible formats and current booking terms. · No complimentary access verified
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.
No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.
Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.
General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.
Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.
FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate.
Official bank source · checked 2026-10-18VAT-inclusive card schedule of charges
Official catalogue: salary and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Cashback Plus Credit Card
Dirham Score 4.5/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Annual fee AED 313.95Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 3,300
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,300
Fee waiver+ AED 313.95
Joining-fee refund+ AED 0
Annual fee− AED 313.95
Actual modelled netAED 3,300
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Cashback Plus Credit Card review and fee maths
Tiered supermarket, education, dining and separately entered telecom earning is modelled. Each eligible category has its own AED 200 cap; no broad 10% rate is applied to other spending.
Reel Buy 1 Get 1 tickets after AED 3,000 monthly retail spend; Roxy 20% discount through 30 April 2027. Eligible ticket and booking rules apply. · Visa Airport Companion: unlimited eligible airport lounge access, subject to foreign-currency activation and current issuer conditions.
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.
Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.
Monthly total spend below AED 3,000 earns no cashback; AED 3,000–9,999 earns 3%, AED 10,000–17,499 earns 5%, AED 17,500+ earns 10% on qualifying supermarkets, education, dining and telecom. Each category has a separate AED 200/month cap.
One cashback point equals AED 1. There is no verified broad 10% cashback on all spending; telecom must be identified separately and not inferred from general utility input.
Annual fee AED 313.95 including VAT. Current catalogue advertises first-year waiver after AED 5,000 qualifying retail spend within 90 days and subsequent annual waiver after AED 30,000. The calculator first-year waiver is conditional.
One complimentary valet/month needs AED 5,000 monthly spend from 1 March 2026. Two golf rounds/month, lounge, takaful and meet-and-greet benefits have additional issuer/provider eligibility.
FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement.
Official bank source · checked 2026-10-18VAT-inclusive card schedule of charges
Official catalogue: salary, fee waiver and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers