Emirates Islamic Skywards Infinite Credit Card

Some think Card. We say masterpiece.

The Emirates Islamic Skywards Infinite Visa Card lets you enjoy exclusive privileges reserved only for the selected few.

Take advantage of the following benefits:

  • Automatic upgrade to Emirates Skywards Silver membership.
  • Unlimited Complimentary golf any day of the week.
  • Free valet parking
  • Unlimited complimentary access to over 900 airport lounges with a guest
  • Up to 2 Skywards Miles per USD spent

Flying or upgrading for free on Emirates airline using your Skywards Miles has become faster and easier with your Emirates Islamic Skywards Infinite Visa card.

Enjoy earning Skywards 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
Spend at Emirates airline 2 Miles
International spend 1.5 Miles
Domestic Spend 1 Miles
Spend at Supermarkets* 0.5 Miles
Spend at government* 0.15 Miles

  • ATM transactions, balance transfers and cash advance are not eligible for Miles earning.
  • In any given month, a Card member shall only be entitled to earn Skywards Miles for transactions carried out up to the extent of the assigned Credit Limit on the Card. Transactions exceeding the assigned Credit Limit shall not be entitled to earn Skywards Miles during that month.

For more information regarding the 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.

Complementary Emirates Skywards Silver Membership

As a Emirates Islamic Skywards Infinite Credit Cardholder enjoy the Emirates Skywards Silver membership, offering exclusive benefits like Bonus Tier Miles, extra baggage allowance, Priority check-in and many more. The Silver tier membership is available for life as long as the card is active. The benefit will continue as per Skywards Terms and Conditions. If you are an existing Skywards Gold or Silver member, your existing membership status will not be affected. For more details about Emirates Skywards Silver Membership benefits please visit http://www.emirates.com/english/skywards/about/membership-tiers/membership-benefits.aspx

Complimentary Lounge Access

  • Enjoy unlimited complimentary access to over 1000 airport lounges with a guest
  • For more details about the Lounge Key program please visit www.loungekey.com/visainfinitemena
  • 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 $32 to the card.
    • For every accompanying guest (above the 1 guest allowance), cardholders will be charged US $32 per person per visit

Unlimited complimentary golf any day of the week

Enjoy unlimited complimentary golf games at any day of the week at arabian Ranches. To book your Tee-off time click here.

Free Valet Parking

You are entitled to Complimentary Valet Parking Service, two times 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.

Extended warranty

Extended Warranty
Use your Emirates Islamic Skywards Visa Infinite card to pay for your purchases to get free Extended Warranty. This benefit automatically doubles the original manufacturer’s warranty for an item purchased with your Emirates Islamic Skywards Visa Infinite card. Enjoy a coverage of USD 5,000 per occurrence & USD 20,000 per year. For further assistance, please call one of the numbers: Toll-free: 800 0441 3487 or +971 4 361 1234. For more details about the service terms and conditions please visit https://cardholderbenefitsonline.com

Purchase Protection

When paying with your Emirates Islamic Skywards Visa Infinite card, you will benefit from Purchase Protection for lost, stolen or damaged goods purchased. Enjoy a coverage of USD 7,500 per occurrence & USD 20,000 per year.For further assistance, please call one of the numbers: Toll-free: 800 0441 3487 or +971 4 361 1234. For more details about the service terms and conditions please visit https://cardholderbenefitsonline.com/

Multi trip travel Insurance

Travel with complete freedom and peace of mind. Your Emirates Islamic Skywards Infinite 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/

Balance Transfer Facility

Now you can really save big time with your Skywards Visa Infinite Credit Card balance transfer facility. You have the opportunity to pay off balances you owe to other banks through your Skywards Visa Infinite Credit Card, with no profit charged on the balance transferred *.

Global Assistance

No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year. If your Visa Infinite card has been lost or stolen, Visa Global Customer Assistance Services representatives can help. For help, call 8000-021 866-654-0112 from inside UAE or +1 303 967 1090* from outside UAE.

Exclusive Visa Infinite Offers

We have partnered with VISA International to bring you exclusive discounts and special offers. Your Skywards Visa Infinite Credit Card privileges connect you to a world of even changing luxury. For assistance please visit www.visainfinitecard.com.

Cash Advance

You can now withdraw interest free cash as per Bank's policy through your Skywards Visa Infinite Credit Card's instant cash advance facility from any Emirates Islamic branch and at more than 780,000 ATMs, exchange houses and financial institutions worldwide displaying the VISA logo. Cash advance fee will apply and no Skywards Miles are granted against cash advance.

Credit Shield

Skywards Visa Infinite Credit Cards now offer you credit shield cover that protects you/your family from financial burdens in unfortunate circumstances. This covers your credit card outstanding in case of death or permanent disability. You are automatically entitled to credit shield as a credit card holder absolutely free for an initial period of 2 months from the date of issuance of your card and continued use of this service from your side will serve as automatic subscription to this service, till you advice us otherwise. Consequently, you will be charged a nominal fee per month (subject to change at Bank's discretion) on the outstanding amount of your monthly statement. So you can enjoy that extra peace of mind. If you don't want to avail of this facility, please call 600 599 995 to discontinue your enrolment.

Global Concierge

Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge hotlines. UAE Toll-free: 800 0441 3487 , UAE International Direct Dialing: +9714 436 7222 OR +1 773 360 5320 Alternatively, you can send an email to concierge@visainfinite-mea.com

How are Miles calculated for spends on Emirates Islamic Skywards Infinite Cards?

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

Spend Category Spend Amount in AED Miles Earning
General shopping
Clothes, electronics..etc
4000 1089 Miles
( 4000/3.673)
Grocery Spend domestic 1000 136 Miles
( 1000/3.673) * 0.5
Government spend (i.e. Dewa & Fines) 2500 102 Miles
Du or Etisalat bill 900 245 Miles
International Spend 5000 2042 Miles
Grocery spend International 600 245 Miles
Purchases from emirates airline 3000 1633 Miles
ATM Cash Withdrawal 1000 0 Miles
Total 18000 5,492 Miles

When are the Miles transferred to the Emirates 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 0.5 Miles 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. 0.15 Miles 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 my Etisalat & du bill?

Yes, you will earn the normal domestic earn rate when paying your Etisalat or du bill.

Would I earn double Miles when booking my flight ticket from Emirates?

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.

Can I withdraw cash from my card?

Enjoy instant access to up to 50% of your limit as cash with your Emirates Islamic Skywards Infinite 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 Infinite Credit Card is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

Enjoy unlimited complimentary golf games at any day of the week at arabian Ranches. To book your Tee-off time click here.

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