Dubai has transformed into one of the world’s busiest aviation hubs, with Emirates Airlines connecting travelers to over 150 destinations. For frequent flyers, maximizing every dirham spent can mean the difference between an ordinary trip and a luxury experience. The Emirates Islamic Skywards Platinum Credit Card is designed precisely for this lifestyle — blending competitive Skywards Miles earning rates with lifestyle perks that appeal to both avid travelers and UAE residents seeking everyday value.

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Why the Emirates Islamic Skywards Platinum Card Stands Out

Unlike standard cashback or rewards cards in the UAE, this credit card aligns directly with Emirates Skywards, the loyalty program of Emirates Airlines and flydubai. For frequent flyers, that means every coffee run, grocery shop, or hotel booking contributes to your next upgrade, lounge access, or free flight.

Key highlights include:

Generous Skywards Miles earnings on local, international, and Emirates transactions.
Exclusive joining bonus: AED 500 Amazon gift card (upon spending AED 5,000 in the first 90 days).
Lifestyle perks spanning complimentary golf, airport dining offers, hotel discounts, and purchase protections.
Affordable entry point with a minimum salary requirement of AED 5,000.

This combination makes it a powerful option for mid-income professionals and travel enthusiasts across Dubai, Abu Dhabi, and beyond.

Emirates Islamic Skywards Platinum Credit Card: Features & Benefits

Skywards Miles Earning Rates

The heart of this card is its Skywards Miles structure, which is among the most competitive in the UAE market:

0.6 Miles for every USD 1 spent on local purchases.
0.75 Miles for every USD 1 spent on international transactions.
1 Mile for every USD 1 spent directly with Emirates Airlines.

This tiered system ensures maximum rewards whether you’re shopping at Dubai Mall, booking a vacation, or purchasing flights.

Joining Offer: AED 500 Amazon Gift Card

New cardholders enjoy a welcome gift of AED 500 Amazon.ae voucher, provided you spend at least AED 5,000 within the first 90 days. Unlike limited category-based promotions, this spend can include any retail purchases, making it easy to qualify.

Travel & Lifestyle Privileges

Balance Transfer Facility: Move your outstanding dues from other banks and enjoy 0% profit rate for 6 months, giving financial breathing space.
Golf Benefits: Access discounted green fees at over 2,300 golf courses across 110 countries, plus up to 50% savings at luxury golf resorts and hotels.
Mazaya Offers: Exclusive deals and up to 30% savings at restaurants and retail outlets across the UAE.
Airport Dining with DragonPass: Special offers at 200+ airport restaurants worldwide, easing travel layovers.
Visa Luxury Hotel Collection: Perks like free room upgrades, late checkouts, and $25 dining credit at 900+ luxury hotels worldwide.
Hotel Discounts: Save up to 12% with Agoda and 8% with Hotels.com on global bookings.
YQ Meet & Assist: Up to 30% discount on premium airport assistance services at 450+ global destinations.

Everyday Protections

Purchase Protection: Safeguards against theft or accidental damage on items bought with the card.
Extended Warranty: Extends the manufacturer’s warranty by up to one additional year.

These benefits make it a practical everyday companion, not just a travel-focused card.

Fees & Eligibility

Annual Fee: AED 700
Minimum Salary: AED 5,000
Finance Rate: 3.25% per month
Cash Advance Fee: 3% (minimum AED 199)
Foreign Transaction Fee: 3.49% (with an additional 2.34% forex markup)

Compared to premium cards like the Emirates Islamic Skywards Black Credit Card, the Platinum version is more accessible while still offering robust perks.

Is the Emirates Islamic Skywards Platinum Card Worth It?

If you’re a frequent flyer with Emirates Airlines or flydubai, the answer is almost always yes. The earn rate for Emirates transactions, paired with the lifestyle benefits such as golf privileges and hotel discounts, deliver real-world value that outweighs the annual fee.

For everyday spending, the Miles accumulation may feel slower compared to cashback cards, but if your priority is travel upgrades, lounge access, and flight redemptions, this card provides long-term rewards unmatched by generic reward schemes.

FAQs: Emirates Islamic Skywards Platinum Credit Card

1. How can I apply for the Emirates Islamic Skywards Platinum Credit Card?
Applications can be submitted online via Emirates Islamic Bank’s official portal, or by visiting a branch in Dubai, Abu Dhabi, or Sharjah. UAE residents need valid Emirates ID, proof of income, and minimum monthly salary of AED 5,000.

2. What is the main advantage of a Platinum credit card in the UAE?
Platinum-tier cards offer a balance of premium travel benefits and affordability. Unlike higher-tier “Black” or “Infinite” cards, they keep fees manageable while providing valuable perks like golf, dining, and travel protections.

3. Does the Emirates Islamic Skywards Platinum card provide airport lounge access?
While this card does not include unlimited lounge access (a perk of higher-tier cards), it compensates with DragonPass dining offers and discounts on airport meet-and-assist services.

4. Can I transfer balances from other credit cards?
Yes, the card offers a 0% profit rate for 6 months on balance transfers, making it attractive for those consolidating debt.

5. What makes this card better than cashback cards in the UAE?
If your priority is travel rewards, especially with Emirates Airlines, this card is unmatched. Cashback cards provide instant savings, but the Skywards program offers aspirational rewards such as upgrades, lounge access, and free flights — experiences that often outweigh simple cash rebates.

Pro Tip from TheDubaiWeb.com: If you frequently travel for business or leisure, pairing the Emirates Islamic Skywards Platinum Credit Card with a dedicated cashback card for local spends can help you optimize both everyday savings and long-term travel benefits.

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Safna

Safna is a full-time writer at TheDubaiWeb.com, where she covers the latest finance news and trending topics across the UAE. With over 10 years of experience living in the UAE, she brings local insight and a deep understanding of the region to her reporting.