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Emirates Islamic

Experience premium travel and lifestyle privileges with a Shariah-compliant card designed exclusively for you.

Best earn rate
3.50 MilesForeign Currency
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Sources and verification

What this card page is based on

We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.

Last verified
Not verified yet
Latest source fetch
28 Aug 2026

Rewards

Rates by category

Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.

Categories
1
Best rate
3.50%
Top cap
AED 0
FC

Foreign Currency

Up to 3.50 Miles

Spend tier

Published reward rule

Rate

3.50 Miles/AED

Cap

No cap listed

Earn up to 3.5 Skywards Miles per USD spent at Emirates Airlines, up to 2 Miles for international spend, and up to 1.5 Miles for domestic spend

Source

Partner offers and other perks

These are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.

  • Get 25% off when buying or gifting Skywards Miles

    Stored as 25.00% · Travel General

  • Zero percent installment plans for Emirates flight bookings

    Stored as 0.00% · Default

Benefits

Cash Access

Cash Advance

Cash Withdrawal

Cash advance facility available

Entertainment

Entertainment Offers

Discount

Complimentary offers on entertainment

Lifestyle Benefits

Sharjah Ladies Club Access

Club Access

Exclusive access to Sharjah Ladies Club

Service Area: SharjahPartner: Sharjah Ladies Club

Unlimited Golf Privileges

Sports Access

Play at the UAE's most iconic golf courses

Service Area: UAE

Complimentary Valet Parking

Parking

Valet parking service at select locations

Lifestyle Services

24/7 Global Concierge

Concierge

Round-the-clock global concierge service

Payment Flexibility

0% Easy Payment Plan for Emirates Flights

Installment

Zero percent installment plans for Emirates flight bookings

Partner: Emirates

Balance Transfer Facility

Balance Transfer

Transfer balances from other credit cards

Purchase Protection

Extended Warranty

Protection

Extended warranty on purchases

Purchase Protection

Protection

Protection for eligible purchases

Travel Benefits

Emirates Skywards Gold Tier Status

Membership

Complimentary Skywards Silver Tier status and fast track to Emirates Skywards Gold Tier status on payment of annual fee and minimum USD 5,000 spend on Emirates Airlines within 12 months

Conditions: Gold membership valid for 12 months from enrollment date. Requires annual renewal with same criteria. Supplementary cardholders can also get Gold status for AED 5,500 annual fee

Program: Emirates SkywardsProgram: Emirates Skywards GoldProgram: Emirates Skywards Silver

Airport Lounge Access

Lounge Access

Access to over 1,200+ airport lounges worldwide with a guest via LoungeKey by Visa

Conditions: First visit in calendar year complimentary. From second trip onwards, USD 32 per visit per person until USD 1 foreign spend is completed on the card

Lounge: LoungeKey networkPartner: LoungeKeyPartner: Visa

Complimentary Airport Transfers

Transfer Service

Up to 4 complimentary airport transfers every year

Conditions: Available for transfers between DXB airport and Dubai City, Abu Dhabi City, Sharjah, Ras Al Khaimah, or Al Ain. Each one-way trip counts as one transfer

Service Area: Dubai International AirportService Area: DubaiService Area: Abu DhabiService Area: SharjahService Area: Ras Al KhaimahService Area: Al Ain

Meet & Greet Silver Service

Airport Service

Meet and greet service at airport

Visa Travel Offers

Discount

Exclusive travel offers through Visa

Partner: Visa

Travel Insurance

Multi-Trip Travel Takaful

Insurance

Travel insurance coverage for multiple trips

Travel Rewards

25% Discount on Skywards Buy/Gift Miles

Discount

Get 25% off when buying or gifting Skywards Miles

Conditions: Available after 10 days from card issuance. Maximum 100,000 miles per calendar year. Minimum 2,000 miles, increments of 1,000 miles. Account must have at least one prior earning activity

Partner: Emirates Skywards

Skywards Miles Earning

Rewards

Earn up to 3.5 Skywards Miles per USD spent at Emirates Airlines, up to 2 Miles for international spend, and up to 1.5 Miles for domestic spend

Conditions: Miles credited within 2 days of transaction being billed starting June 22, 2022

Program: Emirates Skywards

Travel Services

Global Assistance

Assistance

Global assistance services for cardholders

Active promotions

No verified active promotions yet.

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