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Emirates Islamic Skywards Black Credit Card
A premium credit card offering an exceptional miles rate and flexible annual fee options, designed to enhance the experience of world-class customers.
At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity
Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.
First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.
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Miles/Rewards Earning Mechanism
- For 1USD:
* Emirates and Flydubai spends: 3.5 Miles
* Foreign currency spends: up to 2 Miles
* Local currency spends: up to 1.5 Miles
Cashback %
Rewards Mechanism
Why We Choose It
- Exceptional miles earning rates.
- Exceptional benefits.
- Relatively low APR.
- Flexibility on the annual fee: with or without Emirates Gold Status.
Welcoming Gift/Bonus
100,000 miles upon payment of annual fee, joining fee, and spend a minimum of 120,000 within 6 months.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Emirates Skywards Program
Cashback Info:
Rewards program
Key benefits
- Global Lounge Access for two persons.
- Emirates Skywards Silver status.
- Skywards Gold Tier Membership for Supplementary Cardholder.
- Fast track to Gold status ( Cardholder will be awarded Gold status for 1 year by spending a minimum of AED 5,500 on
Emirates flights). - 25% discount on Skywards ‘Buy Miles and ‘Gift Miles’.
Other benefits
- Unlimited complimentary golf on any day of the week ( minimum spend of AED 10,000 per month).
- 3 complimentary valet parking services per month at select locations across the UAE.
- 4 “Buy 1 Get 1” movie tickets each month for VOX.
- 4 complimentary airport transfers per calendar year.
- 2 complimentary Mahaba Meet & Greet services per year.
- Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.
Why We Choose It
- Exceptional miles earning rates.
- Exceptional benefits.
- Relatively low APR.
- Flexibility on the annual fee: with or without Emirates Gold Status.
What We Did Not Like
- High annual fee.
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Miles/Rewards Earning Mechanism
For every AED 3.68 equivalent spend:
- Emirates and Flydubai spends: 3 Miles.
- Foreign currency spends 2 Miles.
- Local currency spends 1.5 Miles.
- Specific category spends 0.25 Miles.
Cashback %
Rewards Mechanism
Why We Choose It
- Exceptional miles earning rates.
Welcoming Gift/Bonus
50,000 bonus Skywards Miles.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Emirates Skywards Miles Program.
Cashback Info:
Rewards program
Key benefits
- Emirates Skywards Silver status.
- Fast track to Emirates Skywards Gold tier membership.
- Home check-in service.
Other benefits
- 4 valet parking per month.
- Concierge service.
- 4 airport transfers.
- Golf Privileges.
Why We Choose It
- Exceptional miles earning rates.
What We Did Not Like
- The highest annual fee in the market for a Skywards credit card.
- Relatively high APR/ Profit Rate.
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Miles/Rewards Earning Mechanism
Cashback %
Rewards Mechanism
- For every USD 1:
* 3 Reward points from ALL on spends at Accor hotels in the UAE.
* 3 Reward points from ALL on international spends.
* 1.5 Reward points from ALL on domestic spend.
Why We Choose It
- Exceptional benefits at Accor hotels making the card a must-have for Accor hotels regulars.
- Outstanding benefits are offered both within the UAE and abroad.
Welcoming Gift/Bonus
50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Cashback Info:
Rewards program
ALL – Rewards Program
- For every USD 1:
* 3 Reward points from ALL on spends at Accor hotels in the UAE.
* 3 Reward points from ALL on international spends.
* 1.5 Reward points from ALL on domestic spend.
Redeem your Rewards points at over 4,600 Accor Hotels worldwide, including Raffles, Fairmont, Sofitel, Mercure, Ibis, and many more.
Key benefits
- Complementary lounge access for 2 persons.
- Free beach & pool access at select Accor hotels in the UAE: Raffles, Fairmont, Sofitel & more
- 25% discount on dining at selected Accor restaurants in the UAE
- 25% discount on spa at select Accor spas in the UAE
- Upgrade to ALL Platinum status (benefits include: upgrade to suite, Executive Lounge access, early check-in, and more)
- Exclusive benefits in the finest Accor Luxury and Premium hotels on all eligible stays that include (€50 or $50 equivalent to F&B credit per stay, Complimentary daily breakfast for 2, room upgrade, and late checkout – subject to availability).
- Complimentary night stay on card anniversary with a condition of two-night booking.
Other benefits
- Mult-trip travel insurance.
- Global concierge.
Why We Choose It
- Exceptional benefits at Accor hotels making the card a must-have for Accor hotels regulars.
- Outstanding benefits are offered both within the UAE and abroad.
What We Did Not Like
- Rewards rating on doemstics spends is low.
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Miles/Rewards Earning Mechanism
Cashback %
Rewards Mechanism
For every USD 1:
- 6 Marriott Bonvoy points at hotels and resorts participating in Marriott Bonvoy.
- 3 Marriott Bonvoy points on international spend.
- 3 Marriott Bonvoy points on general domestic spend.
- 0.75 points on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants.
- 0.10 points per US$1 on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication).
Why We Choose It
- Remarkable benefits for visitors to Marriott hotels globally.
- Generous Welcoming bonus.
- Relatively low APR.
- Express Points Programme allow extra rewards for high spenders.
Welcoming Gift/Bonus
150,000 Marriott Bonvoy welcome bonus points.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Cashback Info:
Rewards program
Marriott Bonvoy Program
For every USD 1:
- 6 Marriott Bonvoy points at hotels and resorts participating in Marriott Bonvoy.
- 3 Marriott Bonvoy points on international spend.
- 3 Marriott Bonvoy points on general domestic spend.
- 0.75 points on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants.
- 0.10 points per US$1 on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication).
Redeem points at over 30 hotel brands and 10,000 global destinations including: W Rome, The Ritz Carlton Maldives,The Westin Hollywood Edition Los Angeles etc.
Key benefits
- Airport Lounge Access for 2 persons.
- Marriott Bonvoy Elite Status.
- An annual Free 2 Night Award on card anniversary.
- Elite Night Credits ( 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status).
- Express Points Programme.
Other benefits
- Buy 1, Get 1’ on movie tickets and 20% off on cinema food & beverages at Reel Cinema
- Golf Privileges.
Why We Choose It
- Remarkable benefits for visitors to Marriott hotels globally.
- Generous Welcoming bonus.
- Relatively low APR.
- Express Points Programme allow extra rewards for high spenders.
What We Did Not Like
- The card might not be the best option if you are not a frequent traveller.
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Miles/Rewards Earning Mechanism
Cashback %
Rewards Mechanism
- For every AED 1:
– up to 20 FAB Rewards on luxury spending.
– 10 FAB Rewards on eco-friendly purchases.
– up to 5 FAB Rewards on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- First-year free offer available.
- High FAB rewards earning rate for luxury enthusiasts.
Welcoming Gift/Bonus
First-year free then AED 1200.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Cashback Info:
Rewards program
- FAB Rewards program.
- For every AED 1:
– up to 20 FAB Rewards on luxury spending.
– 10 FAB Rewards on eco-friendly purchases.
– up to 5 FAB Rewards on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.
Key benefits
- Complementary Lounge access for two persons.
- Free access to 60+ beach clubs, gyms, and sports clubs with ADV+.
- Up to 50% off over 100 five-star restaurants in the UAE.
- Dedicated lifestyle concierge support 24/7.
- Guaranteed gift of gold from the FAB Rewards Shop If you spend AED 500,000 a year or more on your card.
Other benefits
- 5 valet parking per month at premium locations in the UAE.
- Movie tickets are from only AED 20.
- 20% off Emaar attractions.
- 20% off Dubai Holding attractions.
- 30% off golf worldwide with Mastercard Golf Programme.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- First-year free offer available.
- High FAB rewards earning rate for luxury enthusiasts.
What We Did Not Like
- No notable disadvantages.
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Miles/Rewards Earning Mechanism
Cashback %
Rewards Mechanism
- For every AED 1:
* 2.5 Air Miles for spends on travel.
* 1.5 Air Miles for online spends and FX.
* 1 Air Miles for all other spends.
Why We Choose It
- Generous Welcoming bonus
- Fitness first offer adds a great value for fitness enthusiasts.
Welcoming Gift/Bonus
- Up to AED 800 cashback.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Air Miles Program.
Cashback Info:
Rewards program
- Air Miles Program.
- For every AED 1:
* 2.5 Air Miles for spends on travel.
* 1.5 Air Miles for online spends and FX.
* 1 Air Miles for all other spends.
You can redeem your Air Miles by booking flights or converting them into airline loyalty points, applying them towards hotel stays, exchanging them for e-vouchers for electronics and groceries, converting them into GEMS Points for school fees, or donating to the Priceless Planet Coalition for mangrove restoration in the UAE.
Key benefits
- Complementary Lounge access for 2 persons.
- 150,000 sign-up Air Miles, and another 75,000 after membership renewal.
- International concierge.
- 12 Fitness First visits a month for AED 1 each after spending over AED 10,000 a month.
- Complimentary 12-month Careem Plus subscription.
- 2 free rounds of golf every month with Spikes On.
Other benefits
- Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAE cinemas across the UAE.
- 4 complimentary airport rides from Careem.
Why We Choose It
- Generous Welcoming bonus
- Fitness first offer adds a great value for fitness enthusiasts.
What We Did Not Like
LATER
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Miles/Rewards Earning Mechanism
Cashback %
Rewards Mechanism
- 5% Plus points for AED 5,000 and above transactions.
- 2% Plus points for transactions between AED 2,500 – AED 4,999.
- 1% Plus points for transactions less than AED 2,500.
- 1% Plus points for Supermarkets and groceries, insurance, car dealerships, fuel, utility Payments, real estate, charity, education, quick service restaurants (fast-food restaurants), transit, government services, telecommunication transactions & spends originating in European Union (EU) countries.
Why We Choose It
- First Year free offer.
- The Plus Points program provides a competitive redemption rate for Etihad Guest Miles.
- Outstanding benefits are offered both within the UAE and abroad.
- Quarterly Cashback draw to win AED 5,000 for spending AED 50,000.
- Relatively low APR.
Welcoming Gift/Bonus
Currently no welcoming gifts/bounce.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceAirlines Program:
Cashback Info:
Rewards program
ENBD Plus Points Program.
- 5% Plus points for AED 5,000 and above transactions.
- 2% Plus points for transactions between AED 2,500 – AED 4,999.
- 1% Plus points for transactions less than AED 2,500.
- 1% Plus points for Supermarkets and groceries, insurance, car dealerships, fuel, utility Payments, real estate, charity, education, quick service restaurants (fast-food restaurants), transit, government services, telecommunication transactions & spends originating in European Union (EU) countries.
- Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Key benefits
- Complementary airport Lounge Access for 2 persons.
- A chance to enter a draw to win AED 5,000 by maintaining a quarterly spend of AED 50,000.
- A free golf in the UAE and up to 40% discount at premium golf courses worldwide.
- Quarterly Cashback draw with a chance to win AED 5,000 for maintaining AED 50,000 in spending
Other benefits
- 4 Airport transfers per year in the UAE.
- Buy 1 Get 1’ on movie tickets and 20% off on cinema food & beverages at Reel Cinema.
- Golf Privileges.
Why We Choose It
- First Year free offer.
- The Plus Points program provides a competitive redemption rate for Etihad Guest Miles.
- Outstanding benefits are offered both within the UAE and abroad.
- Quarterly Cashback draw to win AED 5,000 for spending AED 50,000.
- Relatively low APR.
What We Did Not Like
- Currently, No welcoming bonus is available.
