- Joining Fee
- Free
- Annual Fee
- AED 4,725
- Minimum Salary
- AED 5,000
ADIB Emirates Skywards Visa Infinite Covered Card
Earn Skywards Miles on eligible spending and redeem them through Emirates Skywards.
≈ AED 14,270 potential value / year · incl. perks
Welcome offer
Welcome miles
50,000 Skywards Miles
Activate and make the first eligible retail purchase within 30 days of issuance. Emirates employees are excluded. One-time offer; cancelled and re-applied cards and card upgrades do not qualify.
See full breakdownRewards
1.5Skywards Miles
per USD 1 on other eligible spending.
Eligible AED purchases outside airline and reduced-rate categories.
See full breakdown2Skywards Miles
per USD 1 on eligible international spending.
Reduced categories retain their category rate.
See full breakdown3Skywards Miles
per USD 1 on Emirates and flydubai spending.
Emirates, flydubai and Emirates Holidays spending.
See full breakdown0.8Skywards Miles
per USD 1 on merchant spending in the EEA.
Merchant spending in the EEA.
See full breakdown0.25Skywards Miles
per USD 1 on reduced categories.
Applies to government, groceries, utilities, education, fuel, real estate and public transport, road tolls and charities. Applies to AED and non-AED purchases.
See full breakdownRewards Calculator
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Eligibility
18
Minimum Age
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
Existing UAE credit history
An active loan, mortgage or credit card held with a UAE bank may strengthen an ADIB application.
Not stated in ADIB's Key Facts Statement. An existing UAE credit relationship (personal loan, mortgage, auto finance or credit card) is sometimes cited informally as helpful for approval, but treat this as unconfirmed rather than a rule.
Debts under half your salary
Your total monthly loan and card payments must stay under 50% of your gross salary — 30% for pensioners.
September Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Additional Benefits
Skywards Miles Redemption
Flights, upgrades, hotels and gift cards.
Miles are credited to your linked Emirates Skywards account and can be redeemed with Emirates and flydubai on flights, upgrades, partner airlines, hotels and gift cards. Emirates programme rules apply.
See full breakdownSilver Membership and Gold Fast Track
Silver for the primary cardholder; Gold on USD 5,000 Emirates spend.
Emirates Skywards Silver membership for the primary cardholder. Primary and supplementary cardholders fast-track to Gold tier on USD 5,000 (or the AED equivalent) of Emirates spend each, valid 12 months from each Gold activation date.
See full breakdownUnlimited Global Lounge Access
Unlimited visits for you and a guest to 1,000+ lounges.
Unlimited complimentary access to more than 1,000 lounges worldwide for you and a guest, under the Visa Airport Companion programme. Present the card at the lounge reception, or register it in the Visa Airport Companion app.
See full breakdownAirport Transfers
4 transfers a year from anywhere in the UAE.
Four complimentary airport rides per year from anywhere in the UAE, capped at AED 150 in Dubai and Sharjah and AED 350 in Abu Dhabi, Al Ain and elsewhere. Book on 600543216 at least three business days before the trip.
See full breakdownEmirates Home Check-In
4 uses a year anywhere in Dubai.
Emirates home check-in from your home, hotel or office anywhere in Dubai, four times a year, covering up to 7 pieces of luggage. Excess bags are charged to you directly by the service provider.
See full breakdownValet Parking
4 complimentary valet visits a month via Valtrans.
Complimentary valet parking four times a month through Valtrans at key locations across the UAE. Standard parking only, not VIP; one visit runs from one to four hours, and usage beyond the entitlement is billed to the card.
See full breakdownGolf
Cardholder and a guest at The Els Club Dubai and Abu Dhabi Golf Club.
Complimentary golf for the cardholder and one guest at The Els Club Dubai and Abu Dhabi Golf Club. ADIB does not publish a rounds-per-month or per-year allowance, so confirm your entitlement when booking on 600543216.
See full breakdown24-Hour Concierge
A personal travel assistant, around the clock.
A 24-hour concierge acting as a personal travel assistant, handling the practical arrangements around every trip.
See full breakdownTravel Inconvenience Cover
Baggage loss up to USD 3,000 plus delay and cancellation cover.
Provided by Visa: baggage loss or damage up to USD 3,000, baggage delay USD 500, trip delay or missed departure USD 500, and trip curtailment or cancellation up to USD 7,500.
See full breakdownTravel Medical Cover
Cover for you, your family and your helper while travelling.
Visa travel medical cover for the cardholder, family and domestic helper while travelling. ADIB does not publish the cover limit for this benefit.
See full breakdownSchool Fee Instalments
Split school and university fees into monthly instalments.
Pay school or university fees with the card and split them into monthly instalments at any time.
See full breakdownFees
4,725AED
Annual fee
4,725AED
5th supplementary card
ADIB charges the 5th supplementary card at the primary card's annual fee.
3.75%
Monthly profit rate
Cash withdrawal3.15%*
*3.15% of the transaction, minimum AED 103.95. Covers cash at ATMs and exchange houses, and transfers treated as cash such as National Bonds transactions; additional third-party charges may apply.
Card replacementAED 78.75*
*Waived for a damaged card returned to the bank.
Late paymentAED 100*
*Per instance. ADIB's schedule states VAT is not applicable to this amount.
Temporary limit increaseAED 52.5
Foreign currency fee2.415%*
*Added to the wholesale foreign-exchange market spot rate applied to non-AED transactions.
International, billed in AED2.0895%*
*Applies to transactions that take place outside the UAE but are billed in AED.
Credit bureauAED 31.5
Excess funds transferAED 105
Sales receipt copyAED 26.25*
*A copy of a travel fare or hotel receipt costs the same.
Statement copyAED 47.25
Liability letterAED 52.5
Returned chequeAED 105
Frequently Asked Questions
Get answers to common questions about ADIB Emirates Skywards Visa Infinite Covered Card credit card
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