Emirates Islamic · UAE CARD REVIEW

Emirates Islamic Skywards Black Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 35,000

Annual fee

AED 2,100

Bank FX charge

2.3%; scheme fees may apply

Monthly profit rate

3.25%

Reward programme

Emirates Skywards

Salary transfer required

No published requirement

Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.

Cashback or points earning rules, thresholds and caps

Base earning: 0.4083855159270351 points per AED.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 0 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

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.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

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

Min. salary: AED 35,000

Groceries · points rewards School Fees · points rewardsCinema BOGOLounge access

Annual fee AED 2,100

ESTIMATED FIRST-YEAR VALUE

AED 0

Partial estimate · see details

View 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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Official product page

Detailed 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

Emirates Islamic

Emirates Islamic Skywards Black Credit Card

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

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 2026-10-18

Official product page

Detailed 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

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: 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. · stated expiry 2027-04-30
• Valet: 3 published visits per month
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• 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 sources and application information

• Emirates Islamic Skywards Black Credit Card official product terms
• Emirates Islamic: Official product page
• Emirates Islamic: Detailed Skywards category and EEA/UK earn table
• Emirates Islamic: VAT-inclusive card schedule of charges
• Emirates Islamic: Official catalogue: salary and artwork
• Emirates Islamic Skywards Black Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.