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Emirates Islamic
Skywards Signature Credit Card
IslamicNo salary transfer needed
Min. salary
AED 12,000
Annual fee
AED 735
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 735
- Fee note
- No standard waiver
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 12,000
- 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.
02Rewards & perks
What you get.
- Earn up to 1.5 Skywards Miles per USD 1 spent (0.38 Miles per USD on select categories; 0.19 on others)
- Unlimited complimentary access to over 1,000 airport lounges
- 1 complimentary valet parking service per month at participating locations
- 2 complimentary golf rounds (AED 5,000 minimum monthly retail spend)
- Multi-trip travel takaful
- Balance transfer: 0% profit rate for 6 months on transferred balances (processing fee applies)
- Cash on call: instant access to up to 50% of limit as cash
- Miles credited to Skywards account within 2 days of billing
- ATM transactions, balance transfers and cash advances earn no Miles
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.