Skywards Black

Unlimited complimentary access to over 1,200+ airport lounges worldwide with a guest via the Visa Airport Companion Mobile App.

How often

Always on

How to use it

Activate in the bank's app — Access via the Visa Airport Companion Mobile App for lounge entry.

Caps and limits

2 complimentary visits per calendar year; additional visits require USD 1 foreign currency spend per card 15 days prior or charged USD 32 per visit.

Exclusions

Guest visits above 1 free guest per visit charged USD 32 per person.

Where

International

“Enjoy unlimited complimentary access to 1,200+ airport lounges with a guest.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Up to 4 complimentary airport transfers per calendar year to or from Dubai Airport when flying Emirates and paying with the card.

How often

4 uses a year

How to use it

Call the concierge line — Book through the airport transfer service after meeting the Emirates spend requirement within the last 6 months.

Caps and limits

Maximum 4 complimentary transfers per calendar year. Fee applies if spend requirement not met or transfers exceeded.

Exclusions

Benefit available only when Emirates airways transaction done using card within last 6 months and flight scheduled within +/-12 hours of transfer date.

Where

Dubai

“Enjoy up to 4 complimentary airport transfers per calendar year to or from Dubai Airport”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Up to 2 complimentary Marhaba Meet & Greet services per year with minimum monthly spend requirement.

How often

2 uses a year

How to use it

Call the concierge line — Book through the Marhaba Meet & Greet service with minimum AED 5,000 monthly spend.

Caps and limits

Up to 2 complimentary services per year. Minimum AED 5,000 monthly retail spend required.

Exclusions

Service fee applies if spend criteria not met or maximum usage exceeded.

Where

Dubai

“Enjoy up to 2 complimentary Marhaba Meet & Greet services per year.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Exclusive 20% discount on all movie tickets at Roxy Cinemas, plus 20% off food and beverages.

How often

Always on

How to use it

Applied automatically — Present Emirates Islamic Skywards Black Credit Card at Roxy Cinemas for automatic discount application.

Caps and limits

Offer valid until 30 April 2027.

Exclusions

Discount applies to movie tickets, snacks, and beverages only at Roxy Cinemas locations.

Where

Dubai

“Enjoy an exclusive 20% discount on all movie tickets at Roxy Cinemas.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Up to 4 complimentary movie tickets per month (Buy-One-Get-One offer) at Vox Cinemas with minimum monthly spend.

How often

4 uses a month

How to use it

Applied automatically — Purchase movie ticket at Vox Cinemas with your Emirates Islamic Skywards Black Credit Card to receive complimentary ticket.

Caps and limits

Up to 4 complimentary tickets per calendar month. Minimum AED 5,000 monthly retail spend required. Offer valid any day of the week.

Exclusions

If spend criteria not met or ticket limits exceeded, discounted amount charged to card.

Where

Dubai

“Enjoy up to 4 "Buy 1 Get 1" complimentary movie tickets each month.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Unlimited complimentary golf rounds at wide range of golf club locations on weekends or weekdays with minimum monthly spend.

How often

Always on

How to use it

Redeem on a website — Book your golf game through the designated booking platform using your Skywards Black card.

Caps and limits

Minimum AED 10,000 monthly retail spend required. Green fee charged if spend not met or no-show at club.

Exclusions

Spend requirement must be met monthly to maintain benefit.

Where

Dubai

“Enjoy unlimited complimentary golf rounds at a wide range of golf club locations”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Convert Emirates flight purchases into convenient monthly instalments with 0% profit rate for three equal payments.

How often

Per event

How to use it

Redeem on a website — Available for bookings made directly through emirates.com; split into three equal instalments automatically.

Caps and limits

Three equal monthly instalments with no profit charged.

Exclusions

Available only for direct Emirates flight bookings; excludes third-party bookings.

Where

All emirates

“Convert your Emirates flight purchases into convenient monthly instalments”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Transfer balances from other banks with no profit charged on the balance transferred amount.

How often

Per event

How to use it

Redeem on a website — Apply for balance transfer facility through the bank's website or branch.

Caps and limits

No profit charged on transferred balance; standard approval process applies.

Exclusions

Subject to credit approval and bank terms.

Where

All emirates

“pay off balances you owe to other banks through your Emirates Islamic Skywards Black Credit Card, with no profit charged”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Personal lifestyle manager available 24 hours a day for support with travel, dining, and entertainment needs worldwide. Provides assistance with hotel, restaurant, and flight reservations.

How often

Always on

How to use it

Call the concierge line — Call concierge hotlines: UAE Toll-free 80004413487, UAE International +971 4 436 7222 / +1 773 360 5320, or email [email protected].

Where

International

“Your personal lifestyle manager is just a call away”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Protection against theft or damage on purchases made with the card for additional peace of mind.

How often

Always on

How to use it

Applied automatically — Automatic coverage on all eligible purchases made with the card.

Caps and limits

Coverage details available on insurancecemea.com/home.

Exclusions

Policy exclusions apply; refer to full terms for details.

Where

All emirates

“Purchase protection provides you with additional peace of mind every time you make a purchase.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Complimentary access to Sharjah Ladies Club featuring premium leisure and fitness facilities including pool, beach, gymnasium, and outdoor activities.

How often

Always on

How to use it

Redeem on a website — Book access through the designated booking platform with minimum AED 5,000 monthly spend.

Caps and limits

Minimum AED 5,000 monthly retail spend required. Service fee applies if spend criteria not met.

Exclusions

Benefit exclusive to ladies; spend requirement must be met monthly.

Where

Sharjah

“Enjoy complimentary access to Sharjah Ladies Club, featuring premium leisure and fitness facilities.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Automatic travel takaful coverage when you pay for your trip using the card, including baggage delay, loss of belongings, and personal accident benefits.

How often

Always on

How to use it

Triggered by paying with the card — Pay for your trip using the Skywards Black Credit Card to receive automatic coverage.

Caps and limits

Baggage delay up to USD 500, loss of belongings up to USD 2,500, personal accident up to USD 1,000,000 (international) and USD 100,000 (domestic).

Exclusions

Coverage does not apply if trip is not paid with the card.

Where

All emirates

“Travel worry-free with automatic travel takaful when you pay for your trip using your Skywards Black Credit Card.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026

Up to three complimentary valet services per month at select UAE locations with minimum monthly spend requirement.

How often

3 uses a month

How to use it

Applied automatically — Present Emirates Islamic Skywards Black Credit Card at valet desk to redeem benefit.

Caps and limits

Up to 3 complimentary services per month. Minimum AED 5,000 monthly retail spend required (AED 7,500 effective 01 March 2026).

Exclusions

Service fee applies if monthly spend requirement not met.

Where

Dubai

“Receive up to three complimentary valet services per month at select UAE locations.”

Source: https://www.emiratesislamic.ae/en/cards/credit-cards/skywards-black-credit-card · Last checked 7 Sep 2026