The early prediction of ocular disease is certainly an obligatory concern in the domain of ophthalmic medicine. Although modern scientific discoveries have shown the potential to treat eye diseases by using artificial intelligence (AI) and machine learning, explainable AI remains a crucial challenge confronting this area of research. Although some traditional methods put in significant effort, they cannot accurately predict the proper ocular diseases. However, incorporating AI into diagnosing eye diseases in healthcare complicates the situation as the decision-making process of AI demonstrates complexity, which is a significant concern, especially in major sectors like ocular disease prediction. The lack of transparency in the AI models may hinder the confidence and trust of the doctors and the patients, as well as their perception of the AI and its abilities. Accordingly, explainable AI is significant in ensuring trust in the technology, enhancing clinical decision-making ability, and deploying ocular disease detection. This research proposed an efficient transfer learning model for eye disease prediction to transform smart vision potential in the healthcare sector and meet conventional approaches’ challenges while integrating explainable artificial intelligence (XAI). The integration of XAI in the proposed model ensures the transparency of the decision-making process through the comprehensive provision of rationale. This proposed model provides promising results with 95.74% accuracy and explains the transformative potential of XAI in advancing ocular healthcare. This significant milestone underscores the effectiveness of the proposed model in accurately determining various types of ocular disease. It is clearly shown that the proposed model is performing better than the previously published methods.