Emirates Islamic Skywards Signature Credit Card

Travel more for less

Enjoy the best Skywards Miles earning rates in the market with the Emirates Islamic Skywards Signature Card.

Take advantage of the following benefits:

  • Enjoy earning Miles for every USD 1 spend.
  • Double Skywards Miles for every transaction at Emirates airline.
  • Up to 0.75 Skywards Mile on everyday spends.

The Emirates Islamic Skywards Signature Card will fly you off to your dream vacation with accelerated Skywards Miles.

*Terms and conditions apply

Enjoy earning Miles for every retail spend on your card.

For every USD 1 retail spend you will enjoy earning Miles according to the below earning rates.

Spend Category Miles Earn rates
Domestic Spend* 0.75 Mile
International spend 1.1 Mile
Spend at Emirates airline 1.5 Mile

  • ATM transactions, balance transfers and cash advance are not eligible for Miles earning.
  • *For more details about Skywards Miles earning rates please click here.

For more information regarding Emirates Skywards frequent Flyer programme benefits and offers, please visit emirates.com/skywards

Please click here to view schedule of charges.

We are delighted to present to you our Mazaya Offers. Get unmatched benefits, discounts and privileges at restaurants and retailers across the UAE.


Get mouth-watering discounts of up to 30% at restaurants across the UAE with your Emirates Islamic Card.


Get fabulous discounts at partner outlets across UAE when you shop using your Emirates Islamic Card.


Enjoy travel benefits with our exclusive travel season offers. For more details and a complete list of our partner outlets, please visit our website.

Some of the benefits above are provided by VISA. For details and the latest list of offers refer to the Mazaya section in the Emirates Islamic and the VISA website

Click here to view mazaya offers.

Complimentary Lounge Access

  • Enjoy unlimited complimentary access to over 750 airport lounges
  • For every accompanying guest, cardholders will be charged US $27 per person per visit
  • For more details about the Lounge Key program please visit www.loungekey.com/visasignaturemena

Free airport transfers with Careem

Free Valet Parking*

You are entitled to Complimentary Valet Parking Service, one time in a calendar month. Any additional use of service will cost AED 80 and will be charged to your Primary Credit Card.

Available locations are as shown in the below table

Location Max. parking hours
Dubai: Dubai Int.Airports (T1 & T3), Dubai Courts, The beach 1 Hour
Dubai: Wafi City, Ibn Battuta Mall, Dubai Creek Golf & Yacht Club, Mirdif City Centre Entire day
Abu Dhabi: Yas Mall, Marina Mall, Khalidiyah Mall, Deerfields Mall, Mushrif Mall Entire day

Click here for terms & conditions.

Multi trip travel Insurance

Travel with complete freedom and peace of mind. Your Emirates Islamic Skywards Signature Visa card saves you the time and expense of organizing travel and medical insurance separately when you travel. You are automatically covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate https://cardholderbenefitsonline.com/

Luxury Hotel Collection

Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Signature Credit Card. This hand-selected portfolio includes boutique gems as well as world-famous hotels and resorts.

  • Privileges on your card
  • Best available rate guarantee
  • Automatic room upgrade upon arrival when available
  • Free in-room Internet
  • Complimentary continental breakfast
  • 3:00 PM check-out when available
  • VIP Guest status
  • US$25 food or beverage voucher

For more details please www.visaluxuryhotels.com

Golf Access

Enjoy exclusive benefits and discounts at some of the finest golf courses in UAE on your Signature Credit Card. Avail special discounts and benefits at the below location:

  • Dubai
    The Address Montgomerie
    Arabian Ranches Golf Club
    The Els Club Abu Dhabi Golf Club
  • Abu Dhabi
    Saadiyat Beach Golf Club
    Abu Dhabi City Golf Club
  • Sharjah & Northern Emirates
    Al Zorah Golf Club
    Al Hamra Golf Club

For more details please www.visamiddleast.com

Medical and Legal Referral

Accidents and mishaps may happen anytime, anywhere. During these unfortunate events, simply contact the below mentioned numbers and we shall provide you with the medical and legal assistance you may need. We will refer you to physicians, hospitals, clinics, dentists, lawyers or legal practitioners based on your request wherever you may be.

UAE: +971 4 361 1234 Outside UAE: +44 (0) 208 762 8373

Customer will have to pay any interpreting fees or related charges for third parties involved.

Easy payment plans

Balance transfer facility

Cash on call facility

Supplementary Cards

Islamic credit shield

Purchase protection

Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift. For more details Click here

Extended warranty

When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer’s warranty up to one year from the expiry date of the original warranty. For more details Click here

Payment options

Choose from the following options to make your Card payments:

  • Standing instruction to debit your Emirates Islamic Current / Investment savings account
  • Online payments through Emirates Islamic Online Banking
  • Cash payments through Emirates Islamic branches or cheque deposit machines
  • Cash payments through Al Ansari Exchange, Al Fardan Exchange, Al Rostamani Exchange or UAE Exchange branches

24-hour customer service facility

How are Miles calculated for spends on Signature Cards?

Miles are calculated based on the card type (Signature ) and the spend category. The Illustrations below detail the earning structures for spends made by a Signature Cardholder.

Spend Category Spend Amount in AED Miles Earning
General shopping
Clothes, electronics..etc
4000 817 Miles
( 4000/3.673)*0.75
Grocery Spend domestic 1400 144 miles
( 1400/3.673) * 0.38
Government(i.e. Dewa & Fines), Car Dealership, Insurance & Education spend 2500 75 Miles
Fuel, Telecommunication (Du & Etisalatetc.,) & Real Estate 2500 129 miles
International Spend 5000 1,497 miles
Grocery spend International 600 180 miles
Purchases from emirates airline 3000 1,225 miles
ATM Cash Withdrawal 1000 0 miles
Total 20000 4,067 miles

When are the Miles transferred to the Skywards account?

Miles earned for all transactions in a statement cycle are transferred to the linked Skywards account between 25th and 30th of the month after the statement cycle.

Which transactions qualify as "Grocery and Supermarket"?

Typically transactions made at supermarkets, hypermarkets, grocery stores, etc fall under the category of "Grocery & Supermarket". All transactions at merchants listed under "Grocery & Supermarket" as defined by Visa/MasterCard will earn 0.38 mile per USD 1 spend

Which transactions qualify as "Government Services"?

Transactions made towards utilities (including electric, gas, water, sanitary, telecommunication payments made online through e-government portal,etc), payments to Court (including Alimony and Child Support), Fines, Bail and Bond payments, Tax payments, Postal Services, Intra-Government purchases, etc.fall under the category of "Government Services". For Miles award purpose, all merchants listed under "Government Services" as defined by Visa/MasterCard will be awarded differential Miles. 0.11 Mile for every USD 1 spend.

What is the miles earn rate for international transactions at Supermarket or government services?

The miles earn rate for any international transaction is the same including transactions at supermarkets or government.

Do I earn miles on paying Telecommunication bills, Fuel & Real Estate payments?

Yes, you will earn 0.19 Skywards miles for every $1 spend.

Would I earn double miles when booking my flight ticket from emirates?

Yes, any spend at Emirates airline either at sales offices (domestic or international) or online at Emirates.com will earn you double miles. Spend at travel agencies will earn you the regular miles

Can I withdraw cash from my card?

Enjoy instant access to up to 50% of your limit as cash with your Emirates Islamic Skywards Signature credit Card at over 810,000 ATMs worldwide or over the counter at any bank branch around the world that displays the VISA logo. A cash advance fee will be charged.

What are the payment options on the card?

Card payments can be made through a range of different channels including:

Cheque Payments
Cheque deposits through the Drop Box, which is available at all designated branches. Make sure that you write your name and Credit Card number on the back of the cheque.
Please Note: Cheques are sent for Clearning and payment is made after the funds are received, which can take 3 - 5 days

Exchange Houses
Payments through UAE Exchange, Al Rostamani Exchange, Al Fardan Exchange House and Al Ansari Exchange can be made in cash up to a maximum value of AED 35,000 per day. All payments will reflect in your credit card account in 2 to 3 working days.

Pay Bills Online
As an Emirates Islamic account holder, you can use your online banking service to pay your monthly bills online. Simply visit www.emiratesislamic.ae and log in to online banking. Call 600 599995 for assistance to link your Credit Card with your online banking account.
Online Auto Payment Facility
Schedule your monthly bill payment through your online banking account using the Auto Payment Transfer facility, which enables your monthly bill to be automatically deducted from your account at the click of a button.

Cash At Counter
Make a cash payment for your Emirates Islamic Credit Card at any of our branches during banking hours

Cash Deposit Machines
Make your payment by depositing the payment at one of our network of Cash Deposit Machines. You can make your payments even if you do not have your card with you, all you need is the card number.

Can I avail of supplementary cards with this card?

You can get up to 4 supplementary cards for your family members and enable them to take advantage of discounts available on your primary card while earning reward points on every Dirham spent.

Is the card Shari'a compliant?

The Emirates Islamic Skywards Credit Card is fully compliant with the Shari'a principles.

Skyward Miles Calculator

Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club or Track Meydan Golf Club on weekends and weekdays. To book your game, please click here and submit the completed form.