TravelIslamic
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 Skywards Miles per AED 3.67 on Emirates.com, 2 per USD on foreign spend, 1.5 on local
- Fast-track to Skywards Gold: 75% bonus miles, priority boarding, 16kg extra baggage, Business Class lounge (cardholder + guest) when flying Emirates
- Unlimited lounge access at 1,000+ airports plus 4 complimentary airport transfers a year
- Unlimited complimentary golf at 3 UAE courses, 3x monthly valet, and USD 1M travel insurance
Earn rates
| Category | Rate |
|---|---|
| Travel | 10.77% |
| International spend | 6.15% |
| Retail | 4.62% |
| Dining & food | 4.62% |
| Online shopping | 4.62% |
| Supermarket | 0.92% |
| Fuel | 0.92% |
| Utilities | 0.92% |
| Education | 0.92% |
| Transport | 0.92% |
| Real estate | 0.92% |
Spend in EEA countries and the UK earns a reduced 0.75 Skywards Miles per USD 1, against 2 Miles on other international spend. In Perkly's terms that is about 2.31% back, not the international rate shown above.
Current welcome offer
Earn up to 100,000 bonus Skywards Miles
- 25,000 miles when you pay the annual membership fee
- 40,000 miles for spending USD 40,000 within your first 3 months
- 35,000 miles for spending USD 20,000 in foreign currency within your first 3 months
- New Skywards Black applicants only, offer valid until 31 August 2026
- Tier Miles campaign (11 Jun-31 Aug 2026): 5,000 bonus Tier Miles on card issue, plus 1 Tier Mile per 4 Skywards Miles earned on spend (capped at 15,000 Tier Miles per member)
Expected offer expiry: August 2026
Benefits & perks
- •Skywards Gold tier membership (fast-tracked on USD 5,000 Emirates/flydubai spend within the year)
- •Emirates Business Class Lounge access for cardholder plus one guest when flying Emirates, regardless of cabin class (unlimited)
- •Unlimited lounge access at 1,000+ lounges via Visa Airport Companion app
- •Priority Business Class check-in and boarding worldwide with Skywards Gold
- •75% bonus Skywards Miles when flying Emirates and flydubai with Skywards Gold
- •16kg extra baggage allowance with Skywards Gold
- •Complimentary economy seat selection for member and all passengers in the same booking
- •Priority baggage delivery and priority service via contact centres with Skywards Gold
- •Instant upgrade with miles at check-in with Skywards Gold
- •Skywards Gold lounge access and accelerated earning on flydubai
- •4 complimentary airport transfers per year
- •Unlimited complimentary golf at Arabian Ranches, Track Meydan or Yas Links (with AED 10,000 monthly spend)
- •4x buy-one-get-one movie tickets at VOX Cinemas any day (with AED 5,000 monthly spend)
- •20% off cinema tickets and snacks at Roxy Cinemas
- •3 complimentary valet parking sessions per month at select UAE locations (with AED 5,000 monthly spend)
- •2 complimentary Marhaba Silver Meet and Greet services per year (with AED 5,000 monthly spend)
- •25% discount on purchasing Emirates Skywards Miles
- •Travel insurance: up to USD 1,000,000 accident cover internationally, USD 100,000 domestically
- •Travel insurance covers baggage delay (USD 500), lost belongings (USD 2,500), spouse and up to 5 children
- •Purchase protection against theft or damage on eligible purchases
- •Extended warranty: doubles manufacturer's warranty by up to 1 extra year
- •0% Easy Payment Plan for 3 months on purchases from emirates.com
- •Balance transfer at 0% profit on transferred amounts
- •Supplementary card available (AED 500 fee) with individual Skywards Gold eligibility
- •24/7 global concierge for bookings and reservations worldwide
- •Visa Infinite luxury offers and discounts
- •Hotel discounts, local staycations and up to 35% off car rentals via Visa Travel Offers
- •24/7 worldwide Visa support for lost or stolen cards
About this card
- •Skywards Gold perks when you fly 3+ times a year
- •16kg extra baggage: about AED 3,840
- •Worldwide lounge access: about AED 2,862
- •75% bonus Skywards miles on spending: about AED 699
- •Complimentary seat selection: about AED 720
- •Priority boarding, priority baggage, and premium Gold experience: about AED 2,000
Every card is checked against official bank sources. Last updated July 2026.
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