Emirates Islamic
Skywards Black w/ Skywards Gold
The Skywards Black w/ Skywards Gold is a travel credit card from Emirates Islamic. It has an annual fee of AED 5,775, and needs a minimum salary of AED 35,000 a month.
Annual fee
AED 5,775
Joining fee
Free
Min. salary
AED 35,000/mo
Rewards in
Skywards Miles
Material
Metal
Card highlights
- Earn 3.5 Miles per AED 3.67 on Emirates, 2 per USD abroad, 1.5 on local spend
- Complimentary Skywards Gold — Business lounge access, 75% bonus miles, priority boarding
- Unlimited lounge access (1,000+ globally) plus 4 complimentary airport transfers a year
- Unlimited golf at 3 UAE courses, 3x monthly valet, and USD 1M travel insurance
Earn rates
| Category | Rate |
|---|---|
| Travel | 10.8% |
| International spend | 6.2% |
| Retail | 4.6% |
| Dining & food | 4.6% |
| Online shopping | 4.6% |
| Supermarket | 0.9% |
| Fuel | 0.9% |
| Utilities | 0.9% |
| Education | 0.9% |
| Transport | 0.9% |
| Real estate | 0.9% |
Skywards Gold benefits when flying 3 times a year: Detailed Itemization 16kg Extra Baggage AllowanceValue: AED 3,840 Reasoning: Based on a conservative AED 40 per kg across 6 flight segments. Worldwide Lounge Access (Member) Value: AED 2,862 Reasoning: Based on 6 visits valued at the Dubai walk-in rate of $130 (~AED 477) per visit. 75% Bonus Skywards Miles Value: AED 699 Reasoning: Based on 8,250 extra miles earned (on ~AED 40k spend) valued at your rate of AED 0.0847/mile. Complimentary Seat Selection Value: AED 720 Reasoning: Based on avoiding an average AED 120 fee per segment for Preferred/Twin seats. Premium Gold Experience & Priority Services Value: AED 2,000 Reasoning: Fixed value for "soft" perks including priority boarding, priority luggage flagging, higher upgrade probability, and on-board recognition.
See all travel credit cards in the UAE →
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