Emirates Islamic Skywards Signature cashback rate, cap and annual fee
Emirates Islamic Skywards Signature pays 0.82% at Emirates and flydubai, and 9 other rates. The card costs AED 735 a year.
Emirates Islamic · United Arab Emirates · catalogue v101
Read from Emirates Islamic's own published terms on 19 Sep 2026.
AED 735Annual fee
0.82%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Emirates and flydubaitravel | 0.82% | —Emirates and flydubai tickets bought in dirhams. Published as 1.5 miles per USD 1, converted here at the dirham's 3.673 peg to the dollar. |
| non-dirham spendingtravel | 0.60% | —Anything bought in a currency other than the dirham, not only travel. The EEA and the UK are excluded and earn 0.275 per USD instead, converted here a |
| everything else | 0.41% | —Everything else in dirhams. |
| groceries | 0.20% | —Supermarkets, at home or abroad. |
| fast-food restaurantsdining | 0.10% | —Fast-food restaurants only. A restaurant that is not fast food earns the general rate. |
| fuel | 0.10% | —Fuel, on the band with telecoms and real estate. |
| phone and internet | 0.10% | —Telecoms, on the same band. |
| rent and property | 0.10% | —Real estate, on the same band. |
| government | 0.06% | —Government services and utility bills, on the band with insurance, car dealerships, charity and education. |
| education | 0.06% | —Education, on the same band. |
Three quarters of a mile per dollar on ordinary spending, for a third of the Infinite's fee. Emirates Islamic publishes these per USD 1 and bills in dirhams, so every rate here is that figure divided by 3.673: 1.5 miles per dollar at Emirates and flydubai, 1.1 on anything bought in another currency, 0.75 on ordinary dirham spending. Three reductions sit under that and the bank states them on one shared page: 0.375 at supermarkets, 0.187 on fuel, telecoms and real estate, 0.11 on government, utilities, insurance, car dealerships, charity and education, 0.187 at fast food. The EEA and the UK are their own band at 0.275 per dollar, which is worth knowing before a European holiday goes on this card. Emirates Islamic does not state the annual membership fee on this page, so the figure shown came from public comparison sources rather than the bank; confirm it before you apply. Source: emiratesislamic.ae Emirates Islamic Skywards Signature page and its Skywards Miles earning table, read 19 Sep 2026.
Questions people ask
What cashback does the Emirates Islamic Skywards Signature pay?
0.82% at Emirates and flydubai, and 9 other rates.
Is there a cap on the Emirates Islamic Skywards Signature?
No monthly cap is published on the rates shown here.
What is the annual fee on the Emirates Islamic Skywards Signature?
AED 735 a year.
Knowing the rate is not the same as remembering it
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