Emirates Islamic Skywards Signature Credit Card Emirates Islamic Skywards Signature Credit Card

Key Benefits

Earn Skywards Miles

Earn Skywards Miles

Up to 1.5 Skywards Miles per USD spent.

Lounge Access

Lounge Access

Unlimited complimentary access to over 1000+ airport lounges.

Valet Parking

Valet Parking

1 Free valet parking service per month.

Complimentary Golf

Complimentary Golf

Two rounds of complimentary golf any day of the week.

Skywards Miles

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/flydubai Airlines 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.

Earn Tier Miles:

Use your Emirates Islamic Skywards Signature Credit Card for making your everyday purchases and earn more Tier Miles. Get one Tier Mile for every four Skywards Miles earned. Offer valid only until 31 December 2021. For more details on the Tier Miles earning, please click here.

Earn additional Skyward Miles with ExtraMiles App

Now, for a limited period only, earn 2 additional Skywards Miles for every USD 1 spent with ExtraMiles App when you make purchases for hotel bookings, flight ticket bookings & car rentals through the app… Learn More.

See how many Skywards Miles you can earn monthly

Miles Per Month

Please note that this is a just estimated calculation based on above amounts

Additional Features

Complimentary Lounge Access

  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • For more details about the Lounge Key program please visit www.loungekey.com/visasignaturemena
  • Terms & Conditions:
    • 1st visit to the Lounge in a calendar year is complimentary.
    • To utilize the subsequent complimentary visits in the same calendar year, customer needs to make a minimum foreign currency spend of USD 1 or equivalent, on both primary & supplementary cards. If the spend criteria is not met then customer will be charged US $27 to the card.
    • For every accompanying guest, cardholders will be charged US $27 per person per visit

Complimentary Reel Cinemas Movie Tickets

Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week. Click here to know about the eligibility criteria.

Enjoy 15% off on Emaar Entertainment Attractions

Enjoy 15% discount on the below Emaar Entertainment Attractions.

  • Dig It - Stay and Dig
  • KidZania Abu Dhabi
  • KidZania Dubai
  • VR Park – Pay & Play
  • Ekart
  • Ice Rink
  • The Dubai Fountain Boardwalk
Click here to know about Emaar Attractions Term & Conditions.

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.

Click here for locations and Terms & Conditions.

Complimentary golf any day of the week

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

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/

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

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

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.

Card Benefits

Easy payment plans

Convert your purchases in to convenient monthly installments by purchasing them through your Emirates Islamic Signature Credit Card. You can avail our easy payment plans of 3, 6, 9, 12 and 24 months once you have made a purchase by simply calling our Call Centre at 600 599 995.

Balance transfer facility

Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card with nothing more than a processing fee. For more details Click here

Cash on call facility

With your Emirates Islamic Signature Credit Card you can avail Cash on Call facility of up to 80% of your available credit limit. For more details Click here

Supplementary Cards

Apply for a supplementary card for your loved ones to share the privileges and benefits offered on your Signature Credit Card.
Each Supplementary Card issued under your account allows you to track your expenses and helps you manage your cash flow under simplified billing with a single monthly payment for all cards on the same account.
To Apply please call 600 599 995 or visit your nearest Emirates Islamic branch

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

Call our 24-hour customer service centre on 600 599 995 or log on to our website emiratesislamic.ae to benefit from the following facilities 24 hours a day, 7 days a week:

  • Complete online access to your Card including card transactions and billing statements
  • Pay your Emirates Islamic Signature Credit Card bill
  • Pay your utility bills
  • Set up standing instructions to pay your bills

Schedule of Charges

Please click here to view schedule of charges.

Golf Reservation Form

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

Important information

Please click here to view Emirates Islamic Credit Cards – Important information.

Mazaya Offers

Mazaya Offer

Get unmatched benefits, discounts and privileges.

Know More »

Frequently Asked Questions

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

Miles earned for all transactions in a statement cycle are transferred to the linked Skywards account within 10 days after the statement cycle.

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 Miles per USD 1 spend.

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.

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

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

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

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.

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.

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.

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