Skywards Black Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.No salary transfer needed
AED 2,100 to 5,775 · No standard waiver
What it costs.
- Annual fee
- –Not published in the catalogue yet; it is not zero.
- Fee note
- AED 2,100 to 5,775 · No standard waiver
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 35,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Fast track to Skywards Gold Tier; complimentary Silver membership
- Up to 4 complimentary airport transfers yearly
- Unlimited airport lounge access
- 1 complimentary monthly valet parking
- Up to 2 complimentary Marhaba Meet & Greet services annually
- Two complimentary golf rounds monthly
- Dubai Ladies Club access
- 0% profit rate balance transfers for 6 months
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.