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What are the best Emirates Skywards credit cards for UAE residents?

Choose your Emirates Skywards Credit Card to earn some exclusive benefits. International travel has well and truly ‘taken off’ since the last couple of years. From a state of no travel to some essential travel, now it seems, at least going by the current ticket prices, that there is excessive travel happening! Read more

Find the best Emirates Skywards Credit Card for the below categories

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome offer: Up to 40,000 bonus Skywards Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Complimentary, unlimited worldwide lounge access
  • Complimentary access to top golfing courses across the UAE
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:

  • 15,000 Skywards Miles on payment of the joining fee( AED 735
  • 15,000 Skywards Miles on spending minimum USD 10,000 within the first three billing statements.
  • 10,000 Skywards Miles on spending minimum USD 3,750 on emirates.com or at any Emirates sales office in the UAE within the first twelve billing statements.

Key Features

  • Earn up to 1.5 Miles per USD 1 of retail spends
  • Unlimited complimentary access to over 1000 airport lounges in 300 cities
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and muscat.
  • Enjoy 4 complimentary valet parking services per month of 1 hour each at select popular shopping malls by simply presenting your Emirates NBD Credit Card(s) at the valet service.
  • Pick up & delivery of car for servicing & registration once a year
  • Complimentary golf access twice a month at select courses
  • Exclusive discounts at Lifeline Health Club Abu Dhabi
  • Salik auto top-up feature
  • 24-hour personalised premium concierge service
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 8% discount on hotel bookings made at Hotels.com
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover

Reward Features

Earn Skyward Miles
Per 1 USD of spend:

  • Earn 1.5 Miles on Emirates and flydubai spends
  • Earn 1.5 Miles on duty free, online food delivery and car booking apps spends
  • Earn 1 Mile on International spends
  • Earn 0.75 Miles on Domestic spends

Things To Be Aware Of

  • Golf access requires min spend of AED 5,000 per month

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 1.25 Skywards Miles per $ spend
  • 1 Complimentary golf a month at the finest courses in UAE
  • Complimentary valet parking, cinema ticket offers
  • Unlimited access to 1000+ airport lounges

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1.25 Skywards Miles per USD
  • Convert Skywards miles into Reward Flights and Business Class upgrades with Emirates
  • Complimentary Valet Parking once a month with Valtrans
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

       

  • 1.25 Skyward Miles per USD on non AED spend
  • 1 Skywards Miles per USD on other AED spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Apply Now

on Citibank site

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 60,000 bonus skywards miles
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Up to 1.5 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.

2) Cummulative retail spends ( within 6 months): 20,000 skywards miles

Spend a minimum of AED 30,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months

Overall an ability to earn upto 60,000 bonus skywards miles!

Key Features

  • Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to exclusive Visa Signature benefits

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • 5,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn bonus Skywards Miles:

5,000 bonus Miles on card activation.

Key Features

  • Earn 5,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Easy 0% payment plan on Emirates tickets
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Enjoy 25% dining discounts on online orders through Zomato
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Luxury Hotel Collection offers from Visa
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • Access to over 200 airport restaurant offers globally
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Skyward Miles per 1 USD spend:

  • Earn 1 Skyward Mile on all Emirates spends
  • Earn 0.75 Skyward Miles on all foreign currency spends
  • Earn 0.5 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 2.5 Skywards Miles per $ spend
  • Complimentary Emirates Skywards Silver membership
  • Exclusive 100% Metal card
  • Complimentary golf, valet parking, cinema ticket offers
  • 25,000 welcome bonus Skywards Miles

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.

Key Features

  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Earn up to 2.5 Skywards Miles per $ spend
  • Exclusive 100% metal card + Skywards Silver Membership
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Silver Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card

Earn 2.5 Skywards Miles per USD spent on www.emirates.com in AED
1.5 Skywards Miles per USD on non-AED spend and
1 Skywards Mile per USD on other AED spend.

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Apply Now

on Citibank site

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 90,000 bonus skywards miles
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • Up to 2 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.

2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000  within 6 months

3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months

Overall an ability to earn upto 90,000 bonus skywards miles!

Key Features

  • Enjoy unlimited complimentary access to over 1000 airport lounges for cardholder and a guest
  • Up to 3 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy unlimited complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Infinite Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Best-in-class Skywards Miles earning - earn and redeem
  • Earn up to 100,000 Skywards Miles
  • Complimentary Emirates Skywards Silver membership upgrade
  • Access to Business Class Lounge with your Silver membership

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 100,000 Skywards Miles with your Skywards Infinite Credit Card.
  • Complimentary Emirates Skywards Silver membership upgrade

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • Earn up to 2 Miles per USD 1 of retail spends
  • Complimentary Emirates Skywards Silver membership
  • Complimentary night with Marriott Vacation Club
  • Complimentary Rotana Rewards Exclusive Club Membership (First year only)
  • Unlimited complimentary access to over 1000 airport lounges worldwide via LoungeKey
  • 24-hour personalised premium concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • 50% off movie tickets every Sunday at VOX Cinemas
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Bon Appetit - Exclusive dining discounts
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features


Earn Skyward Miles

  • Earn Skywards Miles
  • Spend with Emirates NBD Skywards Infinite Credit Card to earn Skywards Miles on your everyday spends. You can earn up to 2 Skywards Miles per USD equivalent spend.
  • Earn 2 Miles on Emirates and flydubai spends
  • Earn 2 Miles on duty free, online food delivery and car booking apps spends.
  • Earn 1.5 Miles on International spends
  • Earn 1 Mile on Domestic spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn up to 1 Skywards Mile per USD spent
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited free lounge access for supplementary holders too
  • No annual fee in Year 1

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
  • Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend. 

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • Annual fee of AED 400 from year 2 onwards
Apply Now

on Citibank site

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer:

Upto 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 60,000 bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Two complimentary Emirates Home check-in services within Dubai
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits
  • Valet Parking
  • Complimentary golf for Cardholder
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Up to 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)*
  • Minimum retail spend of AED 50,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st April 2020 till 30th April 2020.

Things To Be Aware Of

  • Minimum retail spend of AED 50,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 1500

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1499

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Get up to 20,000 Bonus Skywards Miles
  • Emirates Skywards Silver Tier Status
  • Access to 900+ airport lounges across the world
  • Fast Track to Gold Tier status
  • 1-night free stay at Rixos JBR

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1,499

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / Min AED99

Joining Offers

Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.


Key Features

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Rakfoodie privileges
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary Emirates Skywards Silver tier membership
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Complimentary airport transfers within the UAE
  • Complimentary Amazon Prime membership for a period of one year
  • 50% discount on VOX Cinemas at 4 free tickets per month per card
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Free delivery of fuel at your door step by CAFU - 4 times in a month
  • Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
  • 15% discount on "Buy and Gift Miles"
  • Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
  • Complimentary access two times in a month at some of the finest golf courses in Dubai
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
  • Minimum monthly salary requirement for salaried applicants is AED 25,000
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

Reward Features

Earn Emirates Skywards Miles on all spends

The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.

 

Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.

Things To Be Aware Of

  • Free for the first year - Annual fee of AED 1499 on renewal

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • 1 year complimentary Amazon Prime membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer: 

Upto 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 120,000 bonus Skywards Miles
  • 1 year complimentary Amazon Prime membership
  • Fast track to Emirates Skywards Gold tier membership.
  • Four complimentary Emirates Home check-in services within Dubai.
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey.
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits.
  • Complimentary Concierge Services
  • Valet Parking
  • Complimentary golf for Cardholder
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Up to 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

*Minimum retail spend of AED 130,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st July 2020 till 31st July 2020

Things To Be Aware Of

  • Minimum retail spend of AED 140,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 4500

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 75,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium Lifestyle benefits

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 75,000 bonus Skywards Miles with the Emirates Skywards DIB Infinite Credit Card
  • 25,000 bonus Miles on card activation.
  • 25,000 bonus Miles when you spend an equivalent of USD 20,000 or more in the first 4 card statements.
  • 25,000 bonus Miles on balance transfer.

Key Features

  • Earn up to 75,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary Emirates Skywards Silver membership
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary access to over 850+ VIP lounges globally for cardholder plus a guest
  • Easy 0% payment plan on Emirates tickets
  • Enjoy 25% dining discounts on online orders through Zomato
  • Complimentary access to the Emirates Towers Health Club
  • Luxury Hotel Collection offers from Visa
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Skyward Miles per 1 USD of spend:

  • Earn 2 Skyward Miles on all Emirates spends
  • Earn 1.5 Skyward Miles on all foreign currency spends
  • Earn 1 Skyward Mile on all local currency spends

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 30,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn up to 30,000 bonus Skywards Miles with the Emirates Skywards DIB Signature Credit Card:

  • 15,000 bonus Miles on card activation

  • 15,000 bonus Miles on balance transfer

Key Features

  • Earn up to 30,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary access to over 850+ VIP lounges globally for cardholder
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Easy 0% payment plan on Emirates tickets
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary international concierge services
  • Complimentary travel insurance with cover up to US $500,000
  • Enjoy 25% dining discounts on online orders through Zomato
  • Luxury Hotel Collection offers from Visa
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Skyward Miles for every 1 USD spend:

  • Earn 1.5 Skyward Miles on all Emirates spends
  • Earn 1 Skyward Mile on all foreign currency spends
  • Earn 0.75 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Extensive premium lifestyle & travel benefits
  • Up to 3.75 EI SmartMiles per AED 1 spend
  • Complimentary unlimited access to 1000 lounges worldwide
  • 2 complimentary valet parking service per month

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

 

You can redeem your EI SmartMiles

  • With the instant purchase feature against any purchase, across the globe
  • At over 300 airlines and more than 180,000 hotels worldwide
  • For latest electronics or for gift vouchers at our online marketplace
  • Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

6,500 EI SmartMiles = 1,000 Upoints By Emaar
7,500 EI SmartMiles = 5,000 Etisalat Smiles

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

10,000 EI SmartMiles= 1,750 Avios

 

Miles will be transferred within 5 working days

Things To Be Aware Of

  • Specific categories of spend have lower earn rates
  • Welcome miles will be given once AMF is paid

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4200

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn upto 125,000 bonus Emirates Skywards Miles
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Emirates Skywards Gold Tier for supplementary as well

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,200

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

1) Welcome Miles Bonus Category: 50,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.

2) Cummulative retail spends ( within 6 months): 50,000 skywards miles
Spend a minimum of AED 120,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 25,000 skywards miles
Spend a minimum of AED 35,000 withing 6 months

Overall an ability to earn upto 125,000 bonus skywards miles!

Key Features

  • As an Emirates Islamic Skywards Black Credit Cardholder, you can fast track to Skywards Gold Tier status with a complimentary Emirates Skywards Silver Tier Membership for primary and one supplementary card holder
  • Take advantage of up to 4 complimentary airport transfers per calendar year to or from Dubai airport.
  • Enjoy unlimited complimentary access for the cardholder plus a guest to over 1000 airport lounges
  • Enjoy 3 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet Silver services per year
  • Enjoy unlimited rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Black Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to all exclusive Visa Infinite benefits

Reward Features

Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates

- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer:

Upto 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 60,000 bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Two complimentary Emirates Home check-in services within Dubai
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits
  • Valet Parking
  • Complimentary golf for Cardholder
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Up to 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)*
  • Minimum retail spend of AED 50,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st April 2020 till 30th April 2020.

Things To Be Aware Of

  • Minimum retail spend of AED 50,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 1500

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • 1 year complimentary Amazon Prime membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer: 

Upto 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 120,000 bonus Skywards Miles
  • 1 year complimentary Amazon Prime membership
  • Fast track to Emirates Skywards Gold tier membership.
  • Four complimentary Emirates Home check-in services within Dubai.
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey.
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits.
  • Complimentary Concierge Services
  • Valet Parking
  • Complimentary golf for Cardholder
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Up to 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

*Minimum retail spend of AED 130,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st July 2020 till 31st July 2020

Things To Be Aware Of

  • Minimum retail spend of AED 140,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 4500

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 2.5 Skywards Miles per $ spend
  • Complimentary Emirates Skywards Silver membership
  • Exclusive 100% Metal card
  • Complimentary golf, valet parking, cinema ticket offers
  • 25,000 welcome bonus Skywards Miles

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.

Key Features

  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Earn up to 2.5 Skywards Miles per $ spend
  • Exclusive 100% metal card + Skywards Silver Membership
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Silver Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card

Earn 2.5 Skywards Miles per USD spent on www.emirates.com in AED
1.5 Skywards Miles per USD on non-AED spend and
1 Skywards Mile per USD on other AED spend.

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Apply Now

on Citibank site

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 1.25 Skywards Miles per $ spend
  • 1 Complimentary golf a month at the finest courses in UAE
  • Complimentary valet parking, cinema ticket offers
  • Unlimited access to 1000+ airport lounges

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1.25 Skywards Miles per USD
  • Convert Skywards miles into Reward Flights and Business Class upgrades with Emirates
  • Complimentary Valet Parking once a month with Valtrans
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

       

  • 1.25 Skyward Miles per USD on non AED spend
  • 1 Skywards Miles per USD on other AED spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Apply Now

on Citibank site

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn up to 1 Skywards Mile per USD spent
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited free lounge access for supplementary holders too
  • No annual fee in Year 1

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
  • Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend. 

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • Annual fee of AED 400 from year 2 onwards
Apply Now

on Citibank site

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 75,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium Lifestyle benefits

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 75,000 bonus Skywards Miles with the Emirates Skywards DIB Infinite Credit Card
  • 25,000 bonus Miles on card activation.
  • 25,000 bonus Miles when you spend an equivalent of USD 20,000 or more in the first 4 card statements.
  • 25,000 bonus Miles on balance transfer.

Key Features

  • Earn up to 75,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary Emirates Skywards Silver membership
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary access to over 850+ VIP lounges globally for cardholder plus a guest
  • Easy 0% payment plan on Emirates tickets
  • Enjoy 25% dining discounts on online orders through Zomato
  • Complimentary access to the Emirates Towers Health Club
  • Luxury Hotel Collection offers from Visa
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Skyward Miles per 1 USD of spend:

  • Earn 2 Skyward Miles on all Emirates spends
  • Earn 1.5 Skyward Miles on all foreign currency spends
  • Earn 1 Skyward Mile on all local currency spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • 5,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn bonus Skywards Miles:

5,000 bonus Miles on card activation.

Key Features

  • Earn 5,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Easy 0% payment plan on Emirates tickets
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Enjoy 25% dining discounts on online orders through Zomato
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Luxury Hotel Collection offers from Visa
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • Access to over 200 airport restaurant offers globally
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Skyward Miles per 1 USD spend:

  • Earn 1 Skyward Mile on all Emirates spends
  • Earn 0.75 Skyward Miles on all foreign currency spends
  • Earn 0.5 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 30,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn up to 30,000 bonus Skywards Miles with the Emirates Skywards DIB Signature Credit Card:

  • 15,000 bonus Miles on card activation

  • 15,000 bonus Miles on balance transfer

Key Features

  • Earn up to 30,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary access to over 850+ VIP lounges globally for cardholder
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Easy 0% payment plan on Emirates tickets
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary international concierge services
  • Complimentary travel insurance with cover up to US $500,000
  • Enjoy 25% dining discounts on online orders through Zomato
  • Luxury Hotel Collection offers from Visa
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn Skyward Miles for every 1 USD spend:

  • Earn 1.5 Skyward Miles on all Emirates spends
  • Earn 1 Skyward Mile on all foreign currency spends
  • Earn 0.75 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Extensive premium lifestyle & travel benefits
  • Up to 3.75 EI SmartMiles per AED 1 spend
  • Complimentary unlimited access to 1000 lounges worldwide
  • 2 complimentary valet parking service per month

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

 

You can redeem your EI SmartMiles

  • With the instant purchase feature against any purchase, across the globe
  • At over 300 airlines and more than 180,000 hotels worldwide
  • For latest electronics or for gift vouchers at our online marketplace
  • Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

6,500 EI SmartMiles = 1,000 Upoints By Emaar
7,500 EI SmartMiles = 5,000 Etisalat Smiles

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

10,000 EI SmartMiles= 1,750 Avios

 

Miles will be transferred within 5 working days

Things To Be Aware Of

  • Specific categories of spend have lower earn rates
  • Welcome miles will be given once AMF is paid

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4200

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn upto 125,000 bonus Emirates Skywards Miles
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Emirates Skywards Gold Tier for supplementary as well

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,200

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

1) Welcome Miles Bonus Category: 50,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.

2) Cummulative retail spends ( within 6 months): 50,000 skywards miles
Spend a minimum of AED 120,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 25,000 skywards miles
Spend a minimum of AED 35,000 withing 6 months

Overall an ability to earn upto 125,000 bonus skywards miles!

Key Features

  • As an Emirates Islamic Skywards Black Credit Cardholder, you can fast track to Skywards Gold Tier status with a complimentary Emirates Skywards Silver Tier Membership for primary and one supplementary card holder
  • Take advantage of up to 4 complimentary airport transfers per calendar year to or from Dubai airport.
  • Enjoy unlimited complimentary access for the cardholder plus a guest to over 1000 airport lounges
  • Enjoy 3 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet Silver services per year
  • Enjoy unlimited rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Black Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to all exclusive Visa Infinite benefits

Reward Features

Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates

- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 90,000 bonus skywards miles
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • Up to 2 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.

2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000  within 6 months

3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months

Overall an ability to earn upto 90,000 bonus skywards miles!

Key Features

  • Enjoy unlimited complimentary access to over 1000 airport lounges for cardholder and a guest
  • Up to 3 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy unlimited complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Infinite Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 700

  • Golf offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn Skywards Miles on all spends
  • Double Miles on spends at Emirates Airlines
  • Complimentary golf offers

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Enjoy earning Miles for every USD 1 spend on all local and international transactions
  • Additional Skywards Miles for all spends at Emirates Airlines
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Mazaya Offers Programme
  • Exclusive golf offers
  • Extended warranty & purchase protection on purchases made on the card
  • Balance transfer facility
  • Golf offers across the globe
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

  • Earn 0.6 Miles for every USD 1 spent on local transactions
  • Earn 0.75 Miles for every USD 1 spent on international transactions
  • Earn 1 Mile for every USD 1 spent on all Emirates Airlines transactions

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 60,000 bonus skywards miles
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Up to 1.5 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.

2) Cummulative retail spends ( within 6 months): 20,000 skywards miles

Spend a minimum of AED 30,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months

Overall an ability to earn upto 60,000 bonus skywards miles!

Key Features

  • Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to exclusive Visa Signature benefits

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Best-in-class Skywards Miles earning - earn and redeem
  • Earn up to 100,000 Skywards Miles
  • Complimentary Emirates Skywards Silver membership upgrade
  • Access to Business Class Lounge with your Silver membership

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 100,000 Skywards Miles with your Skywards Infinite Credit Card.
  • Complimentary Emirates Skywards Silver membership upgrade

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • Earn up to 2 Miles per USD 1 of retail spends
  • Complimentary Emirates Skywards Silver membership
  • Complimentary night with Marriott Vacation Club
  • Complimentary Rotana Rewards Exclusive Club Membership (First year only)
  • Unlimited complimentary access to over 1000 airport lounges worldwide via LoungeKey
  • 24-hour personalised premium concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • 50% off movie tickets every Sunday at VOX Cinemas
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Bon Appetit - Exclusive dining discounts
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features


Earn Skyward Miles

  • Earn Skywards Miles
  • Spend with Emirates NBD Skywards Infinite Credit Card to earn Skywards Miles on your everyday spends. You can earn up to 2 Skywards Miles per USD equivalent spend.
  • Earn 2 Miles on Emirates and flydubai spends
  • Earn 2 Miles on duty free, online food delivery and car booking apps spends.
  • Earn 1.5 Miles on International spends
  • Earn 1 Mile on Domestic spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome offer: Up to 40,000 bonus Skywards Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Complimentary, unlimited worldwide lounge access
  • Complimentary access to top golfing courses across the UAE
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:

  • 15,000 Skywards Miles on payment of the joining fee( AED 735
  • 15,000 Skywards Miles on spending minimum USD 10,000 within the first three billing statements.
  • 10,000 Skywards Miles on spending minimum USD 3,750 on emirates.com or at any Emirates sales office in the UAE within the first twelve billing statements.

Key Features

  • Earn up to 1.5 Miles per USD 1 of retail spends
  • Unlimited complimentary access to over 1000 airport lounges in 300 cities
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and muscat.
  • Enjoy 4 complimentary valet parking services per month of 1 hour each at select popular shopping malls by simply presenting your Emirates NBD Credit Card(s) at the valet service.
  • Pick up & delivery of car for servicing & registration once a year
  • Complimentary golf access twice a month at select courses
  • Exclusive discounts at Lifeline Health Club Abu Dhabi
  • Salik auto top-up feature
  • 24-hour personalised premium concierge service
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 8% discount on hotel bookings made at Hotels.com
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover

Reward Features

Earn Skyward Miles
Per 1 USD of spend:

  • Earn 1.5 Miles on Emirates and flydubai spends
  • Earn 1.5 Miles on duty free, online food delivery and car booking apps spends
  • Earn 1 Mile on International spends
  • Earn 0.75 Miles on Domestic spends

Things To Be Aware Of

  • Golf access requires min spend of AED 5,000 per month

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1499

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Get up to 20,000 Bonus Skywards Miles
  • Emirates Skywards Silver Tier Status
  • Access to 900+ airport lounges across the world
  • Fast Track to Gold Tier status
  • 1-night free stay at Rixos JBR

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1,499

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / Min AED99

Joining Offers

Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.


Key Features

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Rakfoodie privileges
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary Emirates Skywards Silver tier membership
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Complimentary airport transfers within the UAE
  • Complimentary Amazon Prime membership for a period of one year
  • 50% discount on VOX Cinemas at 4 free tickets per month per card
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Free delivery of fuel at your door step by CAFU - 4 times in a month
  • Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
  • 15% discount on "Buy and Gift Miles"
  • Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
  • Complimentary access two times in a month at some of the finest golf courses in Dubai
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
  • Minimum monthly salary requirement for salaried applicants is AED 25,000
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

Reward Features

Earn Emirates Skywards Miles on all spends

The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.

 

Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.

Things To Be Aware Of

  • Free for the first year - Annual fee of AED 1499 on renewal

What are the best Emirates Skywards credit cards for UAE residents?

In 2022 international travel has well and truly ‘taken off’ after a couple of years which everyone would rather happily erase from their collective memories. From a state of no travel to some essential travel now it seems, at least going by the current ticket prices, that there is excessive travel happening!

Here in the UAE too all kinds of travel seem to be back on the table now – business folks traveling again, annual trips back home to visit family and friends, and of course travel as tourists to new and also repeat international destinations which has always been a favorite indulgence for us here in the UAE.

As UAE residents and probably more specifically for Dubai residents we are so fortunate to have access to Emirates Airlines which is easily one of the best airlines in the world and is the obvious airline of choice when considering any international travel. How often do we find ourselves looking for reasons to stretch our budgets a bit to justify any price differences travelling with Emirates versus some other budget airline? Deep down we know that traveling with Emirates is quite simply the best option in terms of the entire experience - right from the dedicated terminal, class leading on demand in-flight entertainment options, direct routes saving us the hassle of multiple stops and of course for the well-heeled travelers amongst us - the Emirates business class lounge experience which is second to none!

A great option for anyone in the UAE to enjoy the many benefits of flying with Emirates Airlines is to use an Emirates Skywards Credit Card in UAE which is offered by most of the leading banks in the UAE. These credit cards are offered as a partnership between Emirates Airlines and the bank and offer a multitude of benefits to customers who have these credit cards. These benefits can vary from earning Emirates Skywards miles on purchases made with the credit cards, gaining membership to exclusive Emirates Airlines membership tiers including Skywards Silver status, and in some cases, even the coveted Emirates Skywards Gold Tier membership status. These tiers bring their own significant benefits to customers and ‘earning’ them by getting a credit card is a quick and easy way to gain entry into these exclusive membership categories. But these are just a few benefits and as you will find out further in this article, these these emirates credit card UAE credit cards offer a wide array of benefits to suit every individual profile.

Given the popularity and demand for flying with Emirates it is no wonder that several leading banks offer co-branded Emirates Skywards credit cards as part of their credit card portfolio offerings. And as can be expected, not all of these cards offer the same level of benefits or are indeed even offered to the same profile of customers. There are no fewer than 14 different Emirates Skywards co-branded credit cards currently available in the UAE and it is no easy task to identify which of them is best suited to you. But fret not, our team here at Soulwallet.com has done the heavy lifting to help you find the best ones suited to your specific needs.

 Banks in UAE that currently offer Emirates Skywards co-branded credit cards are –  

Across these 6 banks there are currently a total of 14 different Emirates Skywards credit cards offered. These are broadly categorised based on the minimum income required to be eligible for each credit card, the features and benefits offered, annual fees charged and so on.

Income Eligibility 

The monthly minimum income requirement for Emirates Skywards credit cards are as below:

As can be seen from the table above, there is an Emirates Skywards credit card option available for customers with income segments starting from as low as AED 5,000, which incidentally is also the minimum monthly salary required as per UAE Central bank regulations for a credit card.


Which is “The Best Emirates Skywards credit card” in the UAE? 

While many readers would want to scroll directly to this section to find out the ‘winner’, the reality as is often the case, is that among the multitude of options available there is no single “Best Emirates Skywards credit card” for everyone. Different Emirates Skywards credit cards offer different benefits. In the sections below we will help you identify which one is the “the best Skywards credit card for you” based on your specific needs, spend patterns and priorities as an individual.

Best “PREMIUM” Emirates Skywards Credit cards
  • Emirates Islamic Skywards Black Credit Card
  • Citibank Emirates Ultima credit card
  • Emirates NBD Skywards Infinite Credit Card
  • Emirates Skywards Dubai Islamic Bank Infinite Credit Card
  • ADIB Emirates Skywards World Elite Credit Card 
  • RAKBANK Emirates Skywards World Elite Mastercard Credit Card
Best Emirates Skywards Credit Cards to EARN SKYWARDS MILES FROM REGULAR SPENDS
  • Emirates Islamic Skywards Black Credit Card
  • Citibank Emirates Ultima credit card
  • Emirates Skywards Dubai Islamic Bank Infinite Credit Card
  • Emirates NBD Skywards Infinite Credit Card
  • ADIB Emirates Skywards World Elite Credit Card
Best Emirates Skywards Credit Cards for BONUS SKYWARDS MILES
  • Emirates Islamic Skywards Black Credit Card
  • Emirates NBD Skywards Infinite Credit Card
  • Emirates Skywards Dubai Islamic Bank Infinite Credit Card
Best Emirates Skywards Credit Cards for BEST JOINING OFFERS
  • Citibank Emirates Ultima credit card
  • Emirates Islamic Skywards Black Credit Card
  • Citibank Emirates Ultimate credit card
  • Citibank Emirates World credit card
Best Emirates Skywards Credit Cards for EMIRATES SKYWARDS MEMBERSHIP TIERS
  • Emirates Islamic Skywards Black Credit Card
  • ADIB Emirates Skywards World Elite Credit Card 
  • ADIB Emirates Skywards World Credit Card
  • RAKBANK Emirates Skywards World Elite Mastercard Credit Card
Best for COMPLIMENTARY EMIRATES AIRLINES HOME CHECK-IN SERVICES
  • ADIB Emirates Skywards World Elite Credit Card
  • ADIB Emirates Skywards World Credit Card
Best for HEALTH & FITNESS BENEFITS
  • Dubai Islamic Skywards Infinite Credit Card
Best for EMIRATES SKYWARDS MILES PURCHASE DISCOUNTS
  • RAKBANK Emirates Skywards World Elite Credit Card
Best for CINEMA OFFERS & DISCOUNTS
  • RAKBANK Emirates Skywards World Elite Credit Card
  • Citibank Emirate Ultima credit card
  • Emirates Islamic Skywards Black Credit Card
  • Citibank Emirates Ultimate credit card
Best for COMPLIMENTARY AIRPORT DROPS & TRANSFERS
  • RAKBANK Emirates Skywards World Elite Mastercard Credit Card
  • ADIB Emirates Skywards World Elite Credit Card & ADIB Emirates Skywards World Credit Card 
  • Emirates Islamic Skywards Black Credit Card
  • Emirates NBD Skywards Infinite Credit Card
Best to EARN EMIRATES SKYWARDS TIER MILES
  • Emirates Islamic Skywards Black credit card & Emirates Islamic Skywards Infinite credit card 
  • RAKBANK Emirates Skywards World Elite Mastercard Credit Card

Best “PREMIUM” Emirates Skywards Credit cards 

Exploring the Top Emirates Skywards Credit Cards in the UAE: Your Gateway to Luxury Travel

Emirates Airlines, renowned as the preferred carrier for discerning travelers to and from Dubai, offers an exceptional way for UAE residents to enhance their travel experience: the Emirates Skywards Credit Card in UAE. Available through several leading UAE banks, these cards represent a strategic partnership between Emirates Airlines and the banking sector, providing cardholders with a host of exclusive benefits.

Cardholders can accrue Emirates Skywards miles for purchases, unlocking access to esteemed Emirates Airlines membership tiers, including the sought-after Skywards Silver and Gold Tier statuses. These tiers offer significant rewards, transforming the credit card into a fast-track passport to elite travel experiences. However, these are just the beginning. As we delve deeper, it becomes clear that these credit cards cater to a diverse range of preferences and lifestyles.

Considering Emirates Airlines' immense popularity, it's no surprise that numerous top-tier banks feature co-branded Emirates Skywards credit cards in their portfolio. With over fourteen different options available in the UAE, choosing the right one might seem daunting. Fortunately, our experts at Soulwallet.com have meticulously evaluated these options to assist you in finding the perfect match for your unique needs. Whether you're seeking a card with a minimum salary requirement as modest as AED 5,000 per month or one offering zero annual fees in the first year, we have you covered. Join us in exploring the best Emirates Skywards credit cards tailored to elevate your travel journey.

Emirates Islamic Skywards Black Credit Card

Key Highlights

  • Complimentary Emirates Skywards Silver Tier membership
  • Fast track to Emirates Skywards Gold tier membership for BOTH the primary as well as a supplementary card holder
  • 3.5 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 2 & 1.5 Skywards miles per USD for international and domestic spends, respectively.
  • Unlimited complimentary golf rounds (at Arabian Ranches, Trump International or Yas Links)

Other Benefits

  • Complimentary airport transfers across UAE (up to 4 per year)
  • Complimentary valet parking benefits at Dubai & Abu Dhabi (3 per month)
  • Unlimited complimentary airport lounge access for each cardholder plus a guest
  • Buy-1-get-1 free offers at VOX cinemas every month (4 per month)
  • Complimentary “Silver” Marhaba Meet & Greet services (2 per year)
  • Complimentary access to Dubai Ladies Club and Sharjah Ladies Club (for women only!)
  • Highest category of Visa credit cards – ‘Visa Infinite’ benefits & offers including purchase protection, travel insurance & medical cover and so on
  • 25% discount on purchase of Emirates Skywards miles
  • Option to earn 1 Skywards Tier mile for every 4 Skywards miles earned

The Emirates Islamic Skywards Black Credit Card offers more premium features than any other Skywards credit card offered by any bank in the UAE currently. It also has the distinction of offering the highest Skywards miles earn rates across all Skywards credit cards in the UAE and offers a host of excellent benefits

Minimum Salary: AED 50,000 Annual Fee: AED 4,200 (with fast track to Skywards Gold Tier Membership, AED 2,100 without it)

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Citibank Emirates Ultima credit card

Key Highlights

  • 25,000 Emirates Skywards miles joining bonus, 10,000 additional Skywards miles every year.
  • 2.5 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1.5 & 1 Skywards mile(s) per USD for international and domestic spends, respectively.
  • Complimentary Emirates Skywards Silver Tier membership
  • AED 500 statement credit for online applications

Other Benefits

  • Credit card is made of metal (only one among Emirates Skywards credit cards)
  • Complimentary cinema offers at both VOX (4) & Reel cinemas (2)
  • 6 complimentary airport rides per year via Careem
  • Complimentary valet parking twice a month
  • Unlimited free golf at select golf courses (for both primary and supplementary)
  • Complimentary “Silver” Marhaba Meet & Greet services (2 per year)
  • Unlimited complimentary airport lounge access for the primary and the supplementary cardholder plus a guest each
  • Highest category of Mastercard credit cards – ‘Mastercard World Elite’ benefits & offers

The Citibank Ultima credit card is an exclusive premium credit card offering from Citi which is well known to be one of the leading banks in the world. Among other benefits this card offers the card holder the unique opportunity to hold a metal credit card. The Citibank Emirates Ultima credit card offers an extremely well-rounded feature set of good Skywards miles rewards across most categories, and many other significant benefits

Minimum Salary: AED 36,750 Annual Fee: AED 3,000

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates NBD Skywards Infinite Credit Card

Key Highlights

  • 2 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1.5 & 1 Skywards mile(s) per USD for international and domestic spends, respectively.
  • Complimentary Emirates Skywards Silver Tier membership
  • Opportunity to earn up to 100,000 Emirates Skywards miles (specific spend conditions to be met)

Other Benefits

  • Unlimited complimentary airport lounge access for the cardholder plus a guest
  • Valet parking services at busy malls in the UAE (4 per month)
  • 2 complimentary rounds of golf at select courses in the UAE.
  • Complimentary Rotana Rewards Exclusive club membership
  • Complimentary airport transfers and 50% discount with Careem for airport transfers.
  • Highest category of Visa credit cards – ‘Visa Infinite’ benefits & offers including purchase protection, travel insurance & medical cover and so on

The Emirates NBD Skywards Infinite Credit Card is a premium credit card which has a lot of features for the well-heeled traveler. While it does not offer the card holder an option to get the coveted Emirates Skywards Gold Tier membership it also has a much lower annual maintenance fee than the other credit cards that do offer the gold tier membership. This card also gives the card holder the opportunity to earn up to 100,000 bonus Emirates Skywards miles by meeting certain spend criterion on the card.

Minimum Salary: AED 36,750 Annual Fee: AED 3,148.95 (AED 1,575 from the 2nd year onwards)

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Dubai Islamic Bank Emirates Skywards Infinite Credit Card

Key Highlights

  • 2 Emirates Skywards miles per USD of spend at Emirates Airlines & Flydubai, up to 1.5 & 1 Skywards mile(s) per USD for international and domestic spends, respectively.
  • Complimentary Emirates Skywards Silver Tier membership

Other Benefits

  • Complimentary airport lounge access for the card holder plus a guest to over 850 airport lounges worldwide via Loungekey
  • Complimentary valet parking offers (4 per month across Dubai and Abu Dhabi)
  • Exclusive health club, valet parking and roadside assistance are offered.
  • Complimentary Rotana Rewards Exclusive club membership
  • Complimentary airport transfers and 50% discount with Careem for airport transfers.
  • Highest category of Visa credit cards – ‘Visa Infinite’ benefits & offers including purchase protection, travel insurance & medical cover and so on

The Emirates Skywards Dubai Islamic Bank Infinite Credit Card is offered by Dubai Islamic Bank that provides customers a range of travel and lifestyle benefits. This credit card offers customer the option to earn up to 75,000 bonus Emirates Skywards miles (but this requires a balance transfer of at least AED 50,000 from another credit card).

Minimum Salary: AED 20,000 Annual Fee: AED 2,625

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

RAKBANK Emirates Skywards World Elite Mastercard Credit Card

Key Highlights

  • Opportunity to earn Skywards miles across all spend categories with a unique tier-based rewards system.
  • Complimentary Emirates Skywards Silver Tier membership (also available for the supplementary card holder on payment of a fee)
  • Fast track to Skywards Gold tier membership by maintaining an AED 500,000 deposit in an Emirates Islamic Skywards Savings account

Other Benefits

  • Complimentary airport transfers across UAE and in India (up to six per year)
  • Unlimited complimentary airport lounge access for each cardholder plus a guest
  • Complimentary rounds of golf up to twice a month
  • Complimentary cinema offers at VOX cinemas (50% off for up to four tickets each month)
  • 15% discount on purchase of Emirates Skywards miles
  • Option to earn 1 Skywards Tier mile for every 4 Skywards miles earned.
  • Highest category of Mastercard credit cards – ‘Mastercard World Elite’ benefits & offers

The RAKBANK Emirates Skywards World Elite Mastercard is a premium credit card offering from RAKBANK that offers several unique benefits to card holders.

Minimum Salary: AED 20,000 Annual Fee: AED 1,499 (waived if AED 120,000 spend is made during the year)

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates Islamic Skywards Infinite Credit Card

Key Highlights

  • 2 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1.5 & 1 Skywards mile(s) per USD for international and domestic spends, respectively.
  • Complimentary Emirates Skywards Silver Tier membership

Other Benefits

  • Complimentary valet parking benefits at Dubai & Abu Dhabi (2 per month)
  • Unlimited complimentary airport lounge access for each cardholder plus a guest
  • Unlimited complimentary golf rounds (at Arabian Ranches, Trump International or Yas Links)
  • Buy-1-get-1 free offers at Reel cinemas every month (3 per month)
  • Complimentary “Silver” Marhaba Meet & Greet services (2 per year)
  • Complimentary “Silver” Marhaba Meet & Greet services (2 per year)
  • Complimentary access to Dubai Ladies Club and Sharjah Ladies Club (for women only!)
  • Highest category of Visa credit cards – ‘Visa Infinite’ benefits & offers including purchase protection, travel insurance & medical cover and so on
  • Option to earn 1 Skywards Tier mile for every 4 Skywards miles earned

The Emirates Islamic Skywards Infinite Credit Card offers several features favorably comparable with a lot of the Skywards credit cards offered by any bank in the UAE currently. Cardholders can expect a host of excellent benefits

Minimum Salary: AED 25,000 Annual Fee: AED 2,100 For 20,000 bonus miles and AED 1048.95 for 10,000 bonus miles

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates Islamic Skywards Signature Credit Card

Key Highlights

  • 1.5 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1.1 & 0.75 Skywards mile(s) per USD for international and domestic spends, respectively.

Other Benefits

  • Complimentary valet parking benefits at Dubai & Abu Dhabi (1 per month)
  • Unlimited complimentary airport lounge access for each cardholder
  • 2 complimentary golf rounds per month (at Arabian Ranches, Trump International or Yas Links)
  • Buy-1-get-1 free offers at Reel cinemas every month (2 per month)
  • Complimentary “Bronze” Marhaba Meet & Greet services (2 per year)
  • Option to earn 1 Skywards Tier mile for every 4 Skywards miles earned

The Emirates Islamic Skywards Signature Credit Card requires a minimum salary of only AED 12,000

Minimum Salary: AED 12,000 Annual Fee: AED 735 (20,000 bonus miles); AED 1048.95 (10,000 bonus miles)

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Citibank Emirates Ultimate credit card

Key Highlights

  • AED 500 statement credit for online applications
  • Up to 1.25 Emirates Skywards miles and up to 1 Skywards mile per USD for international and domestic spends, respectively.

Other Benefits

  • Complimentary airport transfers across UAE and in India (up to 6 per year)
  • Unlimited complimentary airport lounge access for each cardholder plus a guest
  • Complimentary rounds of golf once a month
  • 4 buy-1-get-1 complimentary cinema offers at VOX cinemas per month.
  • Complimentary “Bronze” Marhaba Meet & Greet services (2 per year)

This is a lower fee Emirates Skywards credit card offered by Citi that has particularly good features and benefits especially considering the low annual fee.

Minimum Salary: AED 18,000 Annual Fee: AED 800

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates NBD Skywards Signature Credit Card

Key Highlights

  • 1.5 Emirates Skywards miles per USD of spend at Emirates Airlines, up to 1 & 0.75 Skywards mile(s) per USD for international and domestic spends, respectively.
  • Opportunity to earn up to 40,000 Emirates Skywards miles (specific spend conditions to be met)

Other Benefits

  • Unlimited complimentary airport lounge access for the cardholder (supplementary as well)
  • Valet parking services at busy malls in the UAE (4 per month)
  • 2 complimentary rounds of golf at select courses in the UAE

The Emirates NBD Skywards Signature Credit Card offers several benefits to cardholders including the ability to earn welcome bonus Skywards miles.

Minimum Salary: AED 12,000 Annual Fee: AED 735

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Citibank Emirates World credit card

Key Highlights

  • AED 150 statement credit for online applications
  • Up to 1 Emirates Skywards mile and up to 0.75 Skywards miles per USD for international and domestic spends, respectively.

Other Benefits

  • Complimentary airport transfers across UAE and in India (up to 2 per year)
  • Unlimited complimentary airport lounge access for each cardholder (including supplementary cardholder)
  • Flat 30% off on up to 2 movie tickets at VOX Cinemas each month any day of the week

This Emirates Skywards credit card offered by Citi has no annual fee for the 1st year

Minimum Salary: AED 12,000 Annual Fee: AED 400 (free for 1st year)

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Dubai Islamic Bank Emirates Skywards Signature Credit Card

Key Highlights

  • Earn up to 30,000 bonus Emirates Skywards miles (spend and balance transfer based)
  • 1.5 Emirates Skywards miles per USD of spend at Emirates Airlines & Flydubai, up to 1 & 0.75 Skywards mile(s) per USD for international and domestic spends, respectively.

Other Benefits

  • 8 complimentary airport lounge access for the card holder plus a guest to 850+ lounges worldwide
  • Complimentary valet parking offers (2 per month across Dubai and Abu Dhabi)
  • Earn 1 Emirates Skywards Tier mile for every 4 Skywards miles earned.
  • Roadside assistance offers.

The Emirates Skywards Dubai Islamic Bank Signature Credit Card is offered by Dubai Islamic Bank and provides customers a range of travel and lifestyle benefits. This credit card offers customer the option to earn up to 30,000 bonus Emirates Skywards miles (but this requires a balance transfer of at least AED 30,000 from another credit card).

Minimum Salary: AED 15,000 Annual Fee: AED 1,575

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Dubai Islamic Bank Emirates Skywards Platinum Credit Card

Key Highlights

  • Earn up to 5,000 bonus Emirates Skywards miles (on card activation)
  • 1 Emirates Skywards miles per USD of spend at Emirates Airlines & Flydubai, up to 0.75 & 0.5 Skywards mile(s) per USD for international and domestic spends, respectively.
  • Earn 1 Emirates Skywards Tier mile for every 4 Skywards miles earned

Other Benefits

  • Roadside assistance offers

The Emirates Skywards Dubai Islamic Bank Platinum Credit Card is offered by Dubai Islamic Bank and has the lowest require salary of any Emirates Skywards credit card in the UAE.

Minimum Salary: AED 5,000 Annual Fee: AED 525

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


Best credit cards to “EARN SKYWARDS MILES FROM REGULAR SPENDS”:

This is perhaps the most important feature to be considered for any Emirates Skywards co-branded credit card as the main purpose for a cardholder is to maximize the Skywards miles earned during regular purchases made using their credit card.

This is also an aspect where there are significant differences in earning rates and eligibility requirements between the different Emirates Skywards credit card options available. Readers are advised to review these conditions carefully before arriving at a decision on which card is best suited to their specific spend patterns.

Please note that the best credit cards identified in this category tend to be ‘premium’ credit cards as they understandably have the best rewards as well as features and benefits that the bank can offer. As such, these credit cards are likely to have higher annual membership fees. However, the benefits offered by these credit cards most often can easily justify the annual fees charged. This is especially true if the cardholder takes advantage of the specific features and benefits on offer - another reason to ensure they apply for credit cards most suited to their specific needs.

ADIB Emirates Skywards World Elite Credit Card

  • 3 Skywards miles for purchases made at Emirates online or at Emirates sales offices
  • 2 Skyward miles for purchases made in foreign currencies
  • 1.5 Skyward miles for all other local purchases
  • 0.25 Skywards miles for these categories – supermarkets, government transactions, utilities, education, petrol stations, real estate, public transportation, Salik and charities.

The ADIB Emirates Skywards credit card is arguably the best premium Skywards credit card available not just for the range of benefits it offers but also being the most competitive in several key aspects. This card offers very generous Emirates Skywards miles for spends at Emirates Airlines, for international spends as well as for domestic retail spends in the UAE. This credit card would easily have been the only choice for earning miles but for the fact that it offers lower miles earning rates on several categories.

The ADIB Emirates Skywards World Elite Credit Card awards miles per USD (equivalent) spent on the credit card as below:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates Islamic Skywards Black Credit Card

  • 3.5 Skywards miles for purchases made at Emirates online or at Emirates sales offices
  • 2 Skyward miles for purchases made in foreign currencies
  • 1.5 Skyward miles for all other local purchases
  • 0.15 Skywards miles for spends on these categories – supermarkets, government services, utilities, education, petrol stations, real estate, insurance, car dealership, telecommunications, and quick service restaurants

The Emirates Islamic Skywards Black Credit Card has the distinction of offering the highest Skywards miles earn rates across all Skywards credit cards in the UAE on spends at Emirates airlines and on international spends and domestic spends offers almost as many Skywards miles as the ADIB Emirates Skywards World Elite credit card. While it appears that all categories are covered under these 3 segments, there are certain categories of spends where this credit card offers much lower earn rates.

The Emirates Skywards Dubai Islamic Bank Infinite Credit Card awards miles per USD (equivalent) spent on the credit card as below:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Citibank Emirates Ultima credit card 

  • 2.5 Skywards miles for purchases made at Emirates online or at Emirates sales offices
  • 1.5 Skyward miles for purchases made in foreign currencies
  • 1 Skyward mile for all other local purchases
  • Spends at groceries/supermarkets and related to real estate will earn 0.5 Skywards miles per USD of spend.
  • Spends on government services, utilities, and telecommunications do not earn any Skywards miles.

The Citibank Ultima credit card offers an attractive combination of a high earn rate along with minimal spend category restrictions. This credit card offers an even better earning rate on purchases made at Emirates as compared to the DIB Skywards Infinite above, however, it also pays a lower earnings rate on two specific categories and awards no miles on a few categories.

Emirates Skywards miles earned per USD (equivalent) spent on the card:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Dubai Islamic Bank Emirates Skywards Infinite Credit Card

  • 2 Skywards miles for purchases made at Emirates online or at Emirates sales offices
  • 1.5 Skyward miles for purchases made in foreign currencies
  • 0.30 Skyward miles for grocery, government services, utilities, education, fuel, real estate, insurance, car dealership and telecom related spends

The Emirates Skywards Dubai Islamic Bank Infinite Credit Card is also a good option to earn Emirates Skywards miles and has a strong joining offer of 120,000 Emirates Skywards miles on achieving a spend target of AED 120,000 before July 31, 2023.

The Emirates Skywards Dubai Islamic Bank Infinite Credit Card awards miles per USD (equivalent) spent on the credit card as below:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates NBD Skywards Infinite Credit Card

  • 2.5 Skywards miles for purchases made at Emirates online or at Emirates sales offices
  • 1.5 Skyward miles for purchases made in foreign currencies
  • 1 Skyward mile for all other local purchases
  • 2 Skywards miles for spends at duty free, online food delivery and car booking apps
  • 0.25 Skywards miles for domestic purchases relating to groceries, supermarkets, insurance, car dealership and quick service restaurants
  • 0.1 Skywards miles for domestic purchases relating to government services, utilities, education, petrol stations, real estate, transit and telecommunication

The Emirates NBD Skywards Infinite Credit Card is also a good option for earning Skywards Miles on regular purchases. However, this card has a few categories on which earning rates are much lower than the base rate.

Emirates Skywards miles earned per USD (equivalent) spent on the card:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


Best for “BONUS SKWARDS MILES”:

Several credit cards award “bonus” Emirates Skywards miles based on specific criteria, such as a minimum spend levels achieved on the credit card within a specific time period. In this category, there can be varying opinions on which is the “best” option as some cards award higher total maximum bonus miles but at the same time require higher spend levels and over shorter time periods as well. The “best” option here would be determined by the individual’s specific spend patterns.

Emirates Skywards Dubai Islamic Bank Infinite Credit Card

This credit card offers cardholders 120,000 bonus Emirates Skywards miles with a simple condition that the card holder spends at least AED 120,000 prior to July 31st, 2023 which is a more generous time frame in comparison to some of the other cards having a similar offer. This is the maximum bonus Emirates Skywards miles being offered by any bank in the UAE currently and is also quite straightforward in the eligibility criteria to meet the requirement.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates Islamic Skywards Black Credit Card

  • 40,000 “Welcome Miles Bonus” on payment of the Annual Maintenance Fee and joining fee totaling to AED 5,000
  • 50,000 additional bonus miles if cumulative retail spend of AED 240,000 is achieved within 6 months
  • 10,000 bonus miles if minimum spend of AED 40,000 is made at Emirates Airlines within 6 months

The Emirates Islamic Skywards Black Credit Card offers customer the ability to earn up to 100,000 Emirates Skywards Miles as per the below reward and eligibility criterion:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Emirates NBD Skywards Infinite Credit Card

  • 35,000 “Welcome Joining Miles” on payment of the joining fee of AED 2,999
  • 40,000 additional “spend based miles” if cumulative retail spend of USD 25,000 is achieved within 3 months
  • “Annual miles”: 25,000 miles will be credited if USD 7,500 is spent at Emirates (online or at sales offices) within the first 12 months

The Emirates NBD Skywards Infinite credit card offers cardholders the option to earn up to 100,000 bonus Emirates Skywards miles:

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


Best for “JOINING OFFERS”:

While it is usually not advisable to apply for a credit only to take advantage of a specific joining offer by the bank, it is worthwhile considering the joining offers in addition to all other benefits and features offered by the credit card.

Citibank Emirates Ultima credit card 

Customers that apply online can get AED 2,000 back as a statement credit if a minimum retail spend of AED 25,000 is made within 90 days of the credit card being approved.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Citibank Emirates Ultimate credit card

Customers that apply online on Citibank UAE can get AED 800 as a statement credit if a minimum retail spend of AED 20,000 is made within 90 days of the credit card being approved.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Citibank Emirates World credit card

Customers that apply online on Citibank UAE can get AED 400 as a statement credit if a minimum retail spend of AED 10,000 is made within 90 days of the credit card being approved.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


Best for “EMIRATES SKYWARDS MEMBERSHIP TIERS”:

As most readers are probably aware the Emirates Skywards in UAE Miles programme offers different “Tiers” of membership – Blue, Silver, Gold and Platinum. Each of these tiers offer different benefits to members, with the type and number of benefits increasing in that order – starting with Blue and ending with Platinum which offers the maximum benefits.

An important feature offered by some Emirates Skywards co-branded credit cards is automatic membership for the cardholder into a higher tier of the skywards credit card UAE simply by virtue of having the credit card. This saves cardholders from having to ‘earn’ the minimum tie” miles required to be eligible for the specific tier level, obtained normally through purchase of tickets on Emirates airlines.

In this aspect as well, there are a few differences in the options available among the various emirates credit card UAE.. Most of these credit cards offer direct membership to the Silver Tier for the primary cardholder. A few credit cards also provide supplementary card holders the opportunity to enjoy Silver status, subject to a few conditions being met. However, only 3 credit cards offer cardholders the option to upgrade to the Gold Tier Skywards membership. This can be considered to be a significant perk of having the card by people who value the Gold membership tier in the Emirates Skywards program.

Emirates Islamic Skywards Black Credit Card

The Emirates Islamic Skywards Black Credit Card offers card holders the opportunity to fast track to Emirates Skywards Gold tier membership by simply spending AED 5,500 at Emirates Airlines within 12 months from the card issuance date. This credit card also offers one supplementary card holder the option to get Emirates Skywards Gold tier membership status by spending AED 5,500 at Emirates Airlines and payment of an annual membership fee of AED 4,000. This is the quickest option to gain Emirates Skywards Gold tier membership amongst all Skywards credit cards offered in the UAE.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

ADIB Emirates Skywards World Elite Credit Card & ADIB Emirates Skywards World Credit Card

  • With the ADIB Emirates Skywards World Elite credit card cardholders can get Skywards Gold Tier membership by simply spending AED 5,500 at Emirates airlines within 12 months. For the supplementary card holder, a spend of AED 200,000 (+ AED 5,500 at Emirates Airlines) within the first 12 months is required to get fast tracked to Emirates Skywards Gold Tier membership status.
  • For the ADIB Emirates Skywards World credit card the primary cardholder can get Gold tier membership with a total spend of AED 150,000 and spend of AED 5,500 on Emirates within 12 months
  • For the supplementary cardholder: total spend of AED 300,000 and spend of AED 5,500 on Emirates within 12 months

Both Emirates Skywards credit cards offered by Abu Dhabi Islamic Bank (ADIB) offer cardholders Skywards Silver Tier membership as a basic feature of the card. However, in addition they both also offer cardholders the option to upgrade their Silver Skywards membership tier to the Gold tier if specific spend based criteria are met. Additionally, both these cards also offer the supplementary cardholder with the opportunity to upgrade to Gold tier status.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

RAKBANK Emirates Skywards World Elite Mastercard Credit Card

  • Minimum spend of AED 5,500 at Emirates
  • On maintenance of an average quarterly balance of AED 500,000 in the customer’s RAKBANK savings account

The RAKBANK Emirates Skywards World Elite Mastercard offers cardholders Silver tier membership as a default offering. Additionally, it also offers the opportunity to fast-track to Skywards Gold tier membership based on the below criteria being met:

This credit card also offers supplementary cardholders the option to enroll in the Skywards Silver Tier membership at a fee of AED 900 per year.

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


The below Emirates Skywards credit cards all offer the primary cardholder complimentary Skywards Silver Tier membership as a benefit:

  • Citibank Emirates Ultima credit card
  • Dubai Islamic Emirates Skywards Infinite credit card
  • Emirates Islamic Skywards Infinite credit card
  • Emirates NBD Skywards Infinite credit card

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


Best for “ASSOCIATION FEATURES AND BENEFITS”:

Credit card associations refer to organizations that set common transaction terms for merchants, issuing banks and acquiring banks. The associations we are referring to in our context here are Visa and Mastercard. All the Emirates Skywards credit cards issued in the UAE are either associated with Visa or Mastercard.

The relevance of this for a cardholder is that there are specific benefits and features offered by these associations to the cardholder by virtue of the partnership between the bank and the association. Similar to the different tier levels available in the Emirates Skywards miles programme, both Visa and Mastercard offer different “tiers” or levels of benefits for different credit card types.

Please note that these association features are offered in partnership with the banks and are for the most part a standard offering for the specific credit card type across all banks. Examples of these include VIP airport lounge access travel insurance cover, car rental offers and so on. Please note that the type of benefits offered vary significantly between Visa and Mastercard.

These (Visa/Mastercard) features must not be confused with specific features offered by banks directly to their cardholders which are not part of the Visa or Mastercard benefits. Examples of such bank-specific features include complimentary valet parking, cinema tickets, airport transfer offers and so on.

Customers are advised to review closely all the features offered for each credit card to understand all the benefits available before arriving at the best credit suited to them.

Below is a categorization of the available Emirates Skywards options based on their Visa or Mastercard credit card association type:

Mastercard 

Mastercard World Elite:

This is the top-of-the-line tier of credit card benefits offered by Mastercard and are available in the following credit cards:

  • ADIB Emirates Skywards World Elite credit card
  • Citibank Emirates Ultimate credit card
  • RAKBANK Emirates Skywards World Elite Mastercard credit card

Mastercard World:

This is the second highest tier of credit card benefits offered by Mastercard and are available in the following credit cards:

  • ADIB Emirates Skywards World credit card
  • Citibank Emirates World credit card

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Visa

Visa Infinite:

This is the top-of-the-line tier of credit card benefits offered by Visa and are available in the following credit cards:

  • Citibank Emirates Ultima credit card
  • Emirates Islamic Skywards Black credit card
  • Dubai Islamic Emirates Skywards Infinite credit card
  • Emirates Islamic Skywards Infinite credit card
  • Emirates NBD Skywards Infinite credit card


Visa Signature:

This is the second highest tier of credit card benefits offered by Visa and are available in the following credit cards:

  • Dubai Islamic Emirates Skywards Signature credit card
  • Emirates Islamic Skywards Signature credit card
  • Emirates NBD Skywards Signature credit card

Visa Platinum:

This is the second highest tier of credit card benefits offered by Visa and are available in the following credit cards:

  • Dubai Islamic Emirates Platinum credit card

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com


Unique benefits available through various Emirates Skywards credit cards:

Complimentary Airport Transfers

RAKBANK Emirates Skywards World Elite Credit Card  

  • Enjoy chauffeured airport pick-up or drop off service complimentary 6 times each year in the UAE or avail of this service a maximum of 3 times in India (Mumbai, Chennai, Kolkata, Bengaluru and Delhi - within city limits).

ADIB Emirates Skywards World Elite Credit Card 

  • 4 complimentary per year anywhere in the UAE. Value of rides capped at AED 150 in Dubai and Sharjah and AED 350 in Abu Dhabi, Al Ain and other Emirates

& ADIB Emirates Skywards World Credit Card  

  • 2 complimentary per year anywhere in the UAE. Value of rides capped at AED 150 in Dubai and Sharjah and AED 350 in Abu Dhabi, Al Ain and other Emirates

Emirates Islamic Skywards Black credit 

  • Take advantage of up to 4 complimentary airport transfers per calendar year to or from Dubai airport.

Emirates NBD Skywards Infinite Credit Card 

  • Get 50% off on up to 4 airport transfers per calendar year in UAE with Careem. Only transfers within city limits, i.e. no intra-city transfers.

Cinema Discounts & Offers

Citibank Emirates Ultima credit card Citibank Emirates Ultimate credit card

  • Enjoy up to 4 “Buy-1-Get-1” complimentary movie tickets with VOX Cinemas each month on any day of the week.
  • Up to 2 “Buy-1-Get-1” complimentary movie tickets plus 20% off food & beverage with REEL cinemas each month on any day of the week.
  • (Please note both the above benefits are available only for bookings made on the Primary credit card)

Citibank Emirates Ultimate credit card 

  • Enjoy up to 4 “Buy-1-Get-1” complimentary movie tickets with VOX Cinemas each month on any day of the week.
  • (Please note both the above benefits are available only for bookings made on the Primary credit card)

Citibank Emirates World credit card 

  • You can enjoy a flat 30% off on up to 2 movie tickets with VOX cinemas each month or any day of the week.
  • (Please note both the above benefits are available only for bookings made on the Primary credit card)

RAKBANK Emirates Skywards World Elite Credit Card 

  • 50% off at VOX cinemas at all times, up to 4 times each month

Emirates Islamic Skywards Black credit card  

  • Enjoy up to 4 “Buy-1-Get-1” complimentary movie tickets at VOX Cinemas each month on any day of the week.
  • Please note both the above benefit requires a minimum spend of AED 5,000 per month

Emirates Islamic Skywards Infinite credit card 

  • Enjoy up to 3 “Buy-1-Get-1” complimentary movie tickets at REEL Cinemas each month on any day of the week.
  • Please note both the above benefit requires a minimum spend of AED 5,000 per month

Emirates Islamic Skywards Signature credit card  

  • Enjoy up to 2 “Buy-1-Get-1” complimentary movie tickets at REEL Cinemas each month on any day of the week.
  • Please note both the above benefit requires a minimum spend of AED 3,000 per month

Complimentary Emirates home check-in

This unique feature allows you to check-in to your Emirates flight from the comfort of your own home!

  • ADIB Emirates Skywards World Elite Credit Card – 4 times per year for passengers traveling from Dubai.
  • ADIB Emirates Skywards World Credit Card – 2 times per year for passengers traveling from Dubai.

Health & Fitness Benefits

Dubai Islamic Skywards Infinite Credit Card

  • Complimentary access to the Emirates Towers health club (and swimming pool) at any time, any day of the week.

Discounts on buying Emirates Skywards Miles

RAKBANK Emirates Skywards World Elite Credit Card

  • 15% discount on buying Skywards miles for self or as a gift (minimum purchase of 2,000 miles required)

Earn Emirates Skywards Tier Miles

Emirates Islamic Skywards Black credit card, Emirates Islamic Skywards Infinite credit card & Emirates Islamic Skywards Signature credit card

  • Earn 1 Skywards Tier Mile for every 4 Emirates Skywards

RAKBANK Emirates Skywards World Elite Credit Card  

  • 15% discount on buying Skywards miles for self or as a gift (minimum purchase of 2,000 miles required)

We hope this article has been useful in giving you a better understanding of the various Emirates Skywards miles credit card options available in the UAE. While we have highlighted the best options for specific benefits offered by these credit cards, we highly recommend that you review all the features in detail before deciding which is the best credit card for you. After all, the process of identifying the best option and applying for a credit card is not something undertaken regularly and therefore getting it right will not only help you maximize potential saves but will also help you enjoy the unique benefits most relevant to your individual preferences.

Detailed features and benefits along with side-by-side comparisons of all these credit cards and more can be found at www.soulwallet.com.


Emirates Skywards Credit Card Eligibility in the UAE

Emirates Skywards Credit Card Eligibility in the UAE: Understanding the Requirements and How to Qualify

The UAE's vibrant financial sector offers a wide range of credit card options catering to diverse income brackets, spending habits, and financial needs. Understanding the eligibility criteria is essential for anyone applying for a credit card. This article provides a comprehensive overview of credit card eligibility in the UAE, outlining common requirements, factors that influence approval, and tips for navigating the application process.

Basic Eligibility Criteria

To qualify for a credit card in the UAE, applicants must meet several basic requirements set by banks and financial institutions:

Minimum Age: Most banks require applicants to be at least 21 years old, though this age limit can vary.

Residency: Applicants generally need to be UAE residents, which is often verified through a valid residency visa.

Minimum Salary: The minimum salary requirement is crucial and varies widely depending on the card. It can range from AED 5,000 to over AED 20,000 per month for premium cards.

Employment: A steady job and a regular income are typically required. Some banks may ask for proof of employment or require a salary transfer to the bank.

Some financial institutions request a security check based on the above profiles.

Credit History and Score

In the UAE, credit scores play a pivotal role in financial transactions, especially when applying for credit cards. Here's an in-depth look at how the credit scoring system works in the UAE and what scores are considered acceptable for obtaining a credit card.

Understanding Credit Scores in the UAE

The UAE’s credit scoring system is managed by the Al Etihad Credit Bureau (AECB). The AECB collects financial information from various sources, including banks, finance companies, and telecom companies, to create credit reports and scores for individuals and companies.

How Credit Scores Are Calculated

The credit score is a numerical representation of an individual's creditworthiness, ranging from 300 to 900. It is calculated based on several factors, including:

Payment History: Timely payments on loans and credit cards improve your score, whereas late payments, defaults, and foreclosures negatively impact the score.

Credit Utilization: This refers to the amount of credit you are using compared to your credit limits. Lower utilization rates generally lead to higher scores.

Length of Credit History: A longer credit history provides more data and can lead to a higher score, assuming the history shows responsible credit use. The term that is used for customers with less than 12 months is a “Thin file” which is considered higher risk than those who have a history of more than 12 months. There can be specific policies applied by the bank for a lower number of months such as additional verifications, higher income requirements, additional documentation, employer profiles, and so on.

Types of Credit: Having a mix of credit types, such as credit cards, personal loans, and mortgages, can positively affect your score.

New Credit: Frequent applications for new credit can lower your score, as it might indicate financial distress.

Acceptable Credit Scores for Credit Cards

Scores 300 - 619: Considered low. Applicants might find it difficult to get approved for credit cards and may only qualify for secured credit cards or products designed for low credit scores.

Scores 620 - 657: Fair. Individuals with scores in this range are typically considered subprime borrowers and might face higher interest rates or less favorable terms.

Scores 657 – 750: Good. This is generally considered low risk to the banks as applicants with scores in this range are likely to be approved for most credit cards.

Scores above 750: Excellent. These scores qualify for the best available credit cards, including those with premium benefits, low-interest rates, and high credit limits.

Tips to Improve or Maintain a Good Credit Score in the UAE

Make Payments on Time: This is by far the most important factor as payment behavior impacts your credit score directly. Always pay your bills and credit card dues on time. Setting up automated payments can help avoid missed deadlines.

Manage Credit Utilization: Try to keep your credit utilization below 30% of your total available credit. It is not necessary that one needs to max out on the credit available. Keep your utilization to your needs and ensure timely payments.

Regularly Monitor Your Credit Report: You may have a card that is accumulating charges since you forgot to close it. Hence, do check your credit report periodically for any inaccuracies or fraudulent activities. This can be done through the AECB’s website, and you can raise it to the concerned banks and have these issues fixed.

Limit New Credit Applications: Only apply for new credit, when necessary, as multiple credit inquiries can lower your score.

Maintain a Healthy Mix of Credit: Diversifying the types of credit can positively impact your score.

By understanding and managing these factors, individuals in the UAE can improve their credit scores, enhancing their eligibility for credit cards and other financial products.

Debt-Burden Ratio (DBR)

The DBR is another critical factor considered by banks. It measures the proportion of a person’s income that goes towards repaying debts, including loans and credit card payments:

 DBR Limit: In the UAE, the maximum DBR allowed is 50% of your monthly income. This means that all your monthly debt repayments combined should not exceed half of your monthly earnings.

Additional Factors

Banking Relationship: Existing relationships with a bank can facilitate easier approval, especially if you have a history of responsible financial behavior with that institution. Banks do have more comfort lending to customers who have their salaries credited to their banks.

Type of Employment and Employer: Working for a well-recognized company or a government entity can improve your chances of approval as it implies job security and a stable income. Most companies have a process of identifying specific employers and listing them to offer credit to their employees. These listed companies are supposed to be low in risk considering the employment stability they offer to their employees. Having said that companies can move in and out of the listed zone based on the way their employees perform. The advantage of such listed companies is that the requirements for credit issuance are generally more lenient than those that are not listed.

Self Employed Eligibility

In UAE, eligibility even extends to self-employed persons to applying for credit cards, only eligibility criteria and documentation requirements are minutely different from the ones employed by the company. Banks usually require the individual to furnish bank statements and a profit and loss statement that can confirm consistent income from business along with sound financials. Further, for most cases of self-employment, a trade license or any other document indicating that the business would be run is submitted. For self-employed applicants, the issuer may need to scrutinize with more careful consideration the consistency and reliability of the income to avoid the risks that fluctuating incomes may pose. Self-employed individuals who would like to enhance their chances of getting their credit card application approved in the UAE need to have a good credit score and a low Debt Burden Ratio (DBR). Generally, a healthy cash flow, years in business, and line of business are considered key parameters while underwriting self-employed individuals.

Tips for Successful Credit Card Application

Check Your Credit Score: Before applying, check your credit score with the AECB. Address any discrepancies or outstanding debts. It is recommended that one keeps a tab on their credit score periodically. A credit report can be requested from Al Etihad Credit Bureau for a charge.

Understand the Card Benefits: Match the credit card features with your financial behavior and needs. For instance, if you travel frequently, consider cards that offer travel benefits.

Prepare Documentation: Have all necessary valid documents handy, such as your passport, visa, Emirates ID, salary certificate, and bank statements.

Consider Multiple Options: Don’t apply for multiple cards at once, as this can negatively impact your credit score. Instead, choose the best option that fits your needs and apply for that one first. Make use of the comparison sites to understand more about the products as these sites provide information on most of the banks.

Follow-up: After applying, keep in touch with the bank to check your application status and provide additional information if required.

Conclusion

Qualifying for a credit card in the UAE requires understanding and meeting the banks' eligibility criteria, including financial stability, creditworthiness, and compliance with the DBR. By carefully preparing and choosing the right credit card, you can manage your finances more effectively and take advantage of the benefits credit cards offer.

FAQs

After joining the Emirates Skywards Program, one can enjoy the benefits and awards offered by Emirates and its partners. Tier Miles also helps you retain your current membership status and reach the next level of membership. Tier Miles are earned by route, fare and class of ticket booked. Tier Miles are also earned on bonuses and on everyday purchases made from Emirates Skywards co-branded credit cards.

The Emirates NBD Skywards Infinite Credit Card is a good option for earning Skywards Miles and Tier Miles on regular purchases. Some other benefits include Emirates Skywards Silver membership, an attractive welcoming offer, airport lounge access, airport transfers, and many more.

Earn up to 100,000 Skywards Miles with Skywards NBD Infinite Credit Card. Earn 35,000 Skywards Miles on payment of the joining fee of AED 2999. You can also earn 40,000 Skywards Miles on spending a minimum of USD 25,000 within the first three billing statements.