Skywards Black Credit Card
IslamicNo salary transfer needed
No standard waiver; AED 2,100 base fee, plus one-time AED 3,675 Gold-tier fee (total AED 5,775) if fast-track to Skywards Gold is taken
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 2,100
- Fee note
- No standard waiver; AED 2,100 base fee, plus one-time AED 3,675 Gold-tier fee (total AED 5,775) if fast-track to Skywards Gold is taken
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 50,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Earn up to 3.5 Skywards Miles per USD 1 spent
- Complimentary Emirates Skywards Silver Tier status
- Fast track to Skywards Gold Tier on payment of AMF plus USD 5,000 (AED 18,365) Emirates Airline spend within 12 months
- Up to 4 complimentary airport transfers per year (Dubai)
- Access to 1,200+ airport lounges worldwide along with a guest
- Unlimited complimentary golf at Arabian Ranches, Track Meydan or Yas Links (AED 10,000 monthly retail spend)
- Up to 3 complimentary valet parking services per month
- Up to 4 Buy-1-Get-1 Vox Cinemas tickets per month (AED 5,000 monthly retail spend)
- Up to 2 complimentary Marhaba Meet & Greet services per year (AED 5,000 monthly spend)
- 25% discount on Skywards Buy Miles and Gift Miles
- Complimentary Sharjah Ladies Club access; multi-trip travel takaful; 0% EPP on Emirates flight purchases
- Skywards Black Metal supplementary card: one-time AED 525 joining fee; supplementary with Gold membership AED 5,500
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.