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.
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
Explore all Emirates Islamic cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-18
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary 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.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 0.08167710318540702 points per AED | Shared/general conditions | 0 |
| School Fees | 0.08167710318540702 points per AED | Shared/general conditions | 0 |
| Utilities | 0.08167710318540702 points per AED | Shared/general conditions | 0 |
| Fuel | 0.08167710318540702 points per AED | Shared/general conditions | 0 |
| International Spend | 0.5445140212360469 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED -653.5 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.
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
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 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
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.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Etihad Guest FAB Visa Infinite
FAB · minimum salary AED 30,000
Compare Emirates Islamic Skywards Black Credit Card with Etihad Guest FAB Visa InfiniteEmirates NBD Skywards Infinite
Emirates NBD · minimum salary AED 30,000
Compare Emirates Islamic Skywards Black Credit Card with Emirates NBD Skywards InfiniteOfficial 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.