Emirates Islamic
Skywards Signature
The Skywards Signature is a travel credit card from Emirates Islamic. It has an annual fee of AED 735, and needs a minimum salary of AED 12,000 a month.
Annual fee
AED 735
Joining fee
Free
Min. salary
AED 12,000/mo
Rewards in
Skywards Miles
Material
Plastic
Card highlights
- Earn 1.5 Skywards Miles per AED 3.67 on Emirates and flydubai, 1.1 per USD on foreign spend
- 1 complimentary airport lounge visit per year (1,200+ lounges via Visa Airport Companion)
- 2 complimentary golf rounds per month and 1 valet visit per month (min. AED 5,000 spend)
- Up to 2 Marhaba Meet and Greet visits per year and complimentary multi-trip travel insurance
Earn rates
| Category | Rate |
|---|---|
| Travel | 4.62% |
| International spend | 3.38% |
| Retail | 2.31% |
| Dining & food | 2.31% |
| Online shopping | 2.31% |
| Supermarket | 1.15% |
| Fuel | 0.58% |
| Real estate | 0.58% |
| Utilities | 0.34% |
| Education | 0.34% |
| Transport | 0.34% |
Spend in EEA countries and the UK earns a reduced 0.275 Skywards Miles per USD 1, against 1.1 Miles on other international spend. In Perkly's terms that is about 0.84% back, not the international rate shown above.
Current welcome offer
Earn an AED 750 noon.com gift voucher as a new cardholder
- Spend AED 7,500 on retail purchases within 60 days of card issuance
- Apply by 31 December 2026, card issued by 31 January 2027
- Apply directly through Emirates Islamic's noon offer page (not via Perkly or other third parties)
- New customers only: not open to existing or recent (last 6 months) Emirates Islamic credit cardholders
- Voucher sent by SMS within 90 days after the campaign ends, valid for 3 months
Expected offer expiry: December 2026
Benefits & perks
- •1 complimentary golf round per month at Arabian Ranches, Jebel Ali, Abu Dhabi Golf Club and more (min. AED 5,000 monthly spend)
- •Complimentary multi-trip travel insurance (takaful) for trips of up to 90 days, booked with the card
- •Airport lounge access at 1,200+ lounges via Visa Airport Companion: 1 complimentary visit per calendar year
- •Up to 2 Reel Cinemas Buy 1 Get 1 tickets per month, any day (min. AED 3,000 monthly spend)
- •Up to 2 complimentary Marhaba Bronze Meet & Greet services per year at Dubai airport (min. AED 3,000 monthly spend in month of use)
- •Visa Luxury Hotel Collection at 900+ properties: best rate guarantee, room upgrade, breakfast, USD 25 F&B voucher and more
- •Purchase protection against theft or accidental damage
- •Extended warranty doubling the manufacturer's warranty by up to 1 extra year
- •20% off movie tickets and food and beverages at Roxy Cinemas (until 30 April 2027)
- •1 complimentary valet parking per month at select UAE locations (min. AED 5,000 monthly spend)
- •Instalment plans over 3, 6, 9, 12 or 24 months on purchases
- •0% instalment plan over 3 months on Emirates flights booked on emirates.com
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Emirates Islamic Skywards Signature earn?
An Islamic Emirates Skywards card with an AED 735 annual fee, earning 1.5 Miles per USD 1 on Emirates and flydubai booked direct, 1.1 on foreign currency spending outside the European Economic Area and the UK, and 0.75 on most local spending.
What does the Emirates Islamic Skywards Signature cost?
Annual fee AED 735 including VAT (AED 700 + VAT). No joining fee.
What does spending abroad cost on the Emirates Islamic Skywards Signature?
Spending abroad costs about 3.69% all in: Emirates Islamic's 2.54% (VAT included) on foreign currency transactions plus about 1.15% for Visa, which Emirates Islamic says is charged in addition. A transaction abroad billed in AED carries 1.99% instead of 2.54%. Spending in the European Economic Area and the UK earns 0.275 Miles per USD 1, not 1.1.
What should I watch out for with the Emirates Islamic Skywards Signature?
The earn rates are low for a Skywards card: 0.75 Miles per USD 1 on most local spending, about 2.31%. Spending in the European Economic Area and the UK earns only 0.275 Miles per USD 1, and utility bills, government payments and education in AED only 0.11 (telecom bills 0.187); bills paid through Emirates Islamic's own channels (online banking, app, ATM or call centre) earn nothing. The AED 735 fee is charged every year; Perkly has no waiver on record.
More from Emirates Islamic
Emirates Islamic Skywards Black Standard
- Earn 3.5 Skywards Miles per AED 3.67 on Emirates and flydubai (direct bookings), 2 per USD on foreign spend, 1.5 on local spend
- Complimentary Skywards Silver tier: priority check-in and boarding, 30% bonus Miles flying Emirates, 12kg extra baggage and Emirates Business Class lounge in Dubai
Updated November 2026
Emirates Islamic Skywards Black with Skywards Gold
- Earn 3.5 Skywards Miles per AED 3.67 on Emirates and flydubai (direct bookings), 2 per USD on foreign spend, 1.5 on local spend
- Skywards Silver from card issuance; Gold fast-track on USD 5,000 Emirates spend within 12 months (additional fee applies): Business lounge access, 75% bonus Miles, 16kg extra baggage
Updated November 2026
Emirates Islamic Skywards Infinite
- Earn 2 Skywards Miles per AED 3.67 on Emirates and flydubai, 1.5 per USD on foreign spend, 1 on local spend
- Complimentary Skywards Silver tier: 30% bonus miles, priority check-in and boarding, 12kg extra baggage, Dubai Business lounge
Updated October 2026