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Emirates Islamic

Emirates Islamic (EI) is one of the leading financial institutions in the UAE. In partnership with Emirates Skywards, Emirates Islamic offers an Islamic co-branded credit card following the principles of Shari'a, free of Riba and Gharar. With worldwide recognition across 130 countries, it is a must have for discerning travellers.

Take Advantage Today

Apply for a co-branded credit card, earn Skywards Miles on your everyday spends and enjoy additional travel benefits and more.

To apply for a credit card, please SMS “EK” to 4451 and an Emirates Islamic representative will contact you.

Find out moreOpens an external website in a new tab.

Emirates Islamic Skywards Visa Infinite Card

Emirates Skywards Infinite
  • Earn Skywards Miles per USD equivalent spend1:
    • Emirates spends: 2 Miles
    • Foreign currency spends: 1.5 Miles
    • Local currency spends: 1 Mile
  • One time welcome bonus of 20,000 Skywards Miles for new cardholders after the first spend2
  • Emirates Skywards Silver membership for the primary cardholder3
  • Airport lounge access for the cardholder and a guest to over 850 lounges worldwide via LoungeKey4
  • Easy Payment Plan with Emirates5
  • Unlimited complimentary access to Arabian Ranches and Track Meydan Golf Clubs on any day of the week6
  • 2 free monthly valet parking services across the UAE7
  • International concierge services8
  • Complimentary travel insurance8
  • Annual Fee: AED 2,000

Emirates Islamic Skywards Visa Signature Card

Emirates Skywards Signature
  • Earn Skywards Miles per USD equivalent spend1:
    • Emirates spends: 1.5 Miles
    • Foreign currency spends: 1.1 Miles
    • Local currency spends: 0.75 Miles
  • Airport lounge access for the cardholder to over 850 lounges worldwide via LoungeKey4
  • Easy Payment Plan with Emirates5
  • Discounted green fees at selected golf clubs in the UAE6
  • 1 free monthly valet parking service across the UAE7
  • International concierge services8
  • Complimentary travel insurance8
  • Up to 4 free supplementary cards9
  • Annual Fee: AED 700

Important Information

Income and eligibility criteria applies:

  • Emirates Islamic Skywards Infinite Credit Card: monthly income AED 25,000
  • Emirates Islamic Skywards Signature Card: monthly income AED 8,000
  1. Skywards Miles earning per USD equivalent spend
    • Cardholders will not earn Skywards Miles on cash advances, balance transfer, Easy Payment Plan, cash withdrawals, conversion to instalment plans, any fees and charges paid on the card account; transactions that the Bank decides are disputed, unauthorised, illegal and/or fraudulent.
    • Emirates spends are categorised as transactions made on emirates.com or at the Emirates Sales office.
    • Foreign currency spends are categorised as transactions in non-AED currency.
    • Local currency spends means any eligible transaction in AED currency. Transactions made outside the UAE in AED currency will be classified as local spends.
    • Retail spends made under the category “Grocery and Supermarkets” and “Real estate” will earn 50% of the local currency spend Miles. Retail spends made under the category “Insurance”, “Car dealership and Auto related ”, “Education”, “Government Services”, “Bill Payments (including utility and Telecommunication)” will earn 15% of the local currency spend Miles as defined by VISA.
    • Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 6-8 weeks of the statement date.
    • If there are any supplementary cardholders linked to the card account, any Skywards Miles they earn by spending on their cards will also be credited to the primary cardholder’s Emirates Skywards account.
    • Skywards Miles earning is up to the credit limit assigned to the credit card for each statement cycle.
    • The number of Skywards Miles earned from credit card spend will be displayed on the primary cardholder's monthly credit card statement.
    • Where a refund is made on a card, the Skywards Miles total will be adjusted accordingly by Emirates Islamic Bank from subsequent Miles earnings.
    • Current Emirates Skywards members have the responsibility to enter their existing membership number when applying for the card. Please note, the Emirates Skywards membership number entered must be for an Emirates Skywards account in the cardholder’s name.
    • If the cardholder is not an existing Emirates Skywards member, the personal information will be shared by the Bank with Emirates to enrol the cardholder in the Emirates Skywards programme.
    • Emirates Skywards Programme Rules apply.
  2. Bonus Skywards Miles
    • Emirates Islamic Skywards Visa Infinite Credit cardholders will earn 20,000 bonus Skywards Miles upon making their first spend.
    • This is a one-time bonus for new cardholders only.
    • The bonus Skywards Miles will be credited to the cardholder’s Emirates Skywards account within 6-8 weeks of qualifying.
    • If the cardholder cancels and subsequently re-applies for the card, the cardholder will not be eligible to earn the bonus Skywards Miles again.
  3. Complimentary Emirates Skywards Silver membership
    • The Emirates Skywards Silver membership is available for the primary cardholder
    • The Silver membership will be valid as long as the Emirates Islamic Skywards Visa Infinite Credit Card is active.
    • Please allow up to 6-8 days from card approval to be enrolled or upgraded to Emirates Skywards Silver tier status.
    • An email confirmation of your tier status will be sent with instructions on how to view and download your Emirates Skywards Silver digital card.
    • If the cardholder is an existing Emirates Skywards Gold or Emirates Skywards Silver member, their existing membership status will not be affected.
    • Emirates Skywards Programme Rules apply.
  4. Lounge access via LoungeKey
    • The cardholder can use all lounges under the LoungeKey programme offered by VISA
    • The Emirates Islamic Skywards Visa Infinite cardholder and a guest is entitled to unlimited access to more than 850 lounges worldwide
    • The Emirates Islamic Skywards Visa Signature cardholder is entitled to unlimited access to more than 850 lounges worldwide
    • To avail this benefit, the card needs to be presented at the lounge reception
    • For more details and applicable lounge locations please visit loungekey.com.
  5. Easy Payment Plan with Emirates
    • All Emirates tickets purchased on emirates.com above AED 500 can be converted into three months Easy Payment Plan
    • To take advantage of this payment option, simply book and purchase tickets at emirates.com using the Emirates Islamic Skywards Visa Credit Card, and immediately apply for the payment option once your online purchase is complete, using the link provided on the booking confirmation page. Terms & conditions apply
  6. Golf benefits
    • Minimum spend criteria of AED 10,000 per month applies to take advantage of this benefit. If the minimum spend criteria is not met, the actual cost per golf round will be charged.
    • Emirates Islamic Skywards Visa Infinite cardholders can enjoy unlimited complimentary golf at the Arabian Ranches Golf Club and Track Meydan Golf Club on any day of the week.
    • Booking confirmation is subject to availability of slots at the golf club
    • A ‘no show’ fee will be charged. Charges vary by golf club.
    • Emirates Islamic Skywards Visa Signature Credit Card holders can avail of discounted green fees at the following golf clubs:
      • Dubai
        • The Address Montgomerie
        • Arabian Ranches Golf Club
      • Abu Dhabi
        • Saadiyat Beach Golf Club
        • Abu Dhabi City Golf Club
      • Sharjah & Northern Emirates
        • Al Zorah Golf Club
        • Al Hamra Golf Club
  7. Valet parking services across the UAE
    • The cardholder can avail of this service at selected locations across the UAE. A full list of locations can be found here.
    • One visit is classified as the time permitted at that specific location. A visit could range from one hour to four hours.
    • Excess usage of the complimentary level permitted will be billed to your card.
    • The Emirates Islamic Skywards Visa Card must be presented at the location to avail of the service.
  8. International concierge service and Complimentary travel insurance
    • These benefits are offered by VISA
    • To avail these benefits the cardholder simply needs to pay for the service using their primary Emirates Islamic Skywards Visa Infinite or Signature Card.
    • Emirates Islamic Skywards Visa Infinite Credit Card holders can visit here for more information.
    • Emirates Islamic Skywards Visa Signature Credit Card holders can visit here for more information.
    • Alternatively, you may call 8000 441 3487 (UAE toll-free) or +61 2 9947 1445 (overseas).
  9. Supplementary Cards
    • Apply for a supplementary card for your loved ones to share the privileges and benefits offered on your Signature Credit Card. Each Supplementary Card issued under your account allows you to track your expenses and helps you manage your cash flow under simplified billing with a single monthly payment for all cards on the same account. To Apply please call 600 599 995 or visit your nearest Emirates Islamic branch.