Best Emirates Skywards Credit Cards in the UAE
Compare Skywards earning rates, fees and travel benefits across UAE credit cards.
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Explore direct miles and Liv rewards.
Best Emirates Skywards Credit Cards in the UAE compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Annual fee | Min. salary | Skywards earning | Why it stands out |
|---|---|---|---|---|---|
 | Free | AED 1,050 | AED 10,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates / flydubai: 1.75 Miles per USD 1 | AED 10,000 salary at approved employers; AED 12,500 elsewhere |
 | Free | AED 2,625 | AED 30,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2.75 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | Free | AED 525 | AED 10,000 | Other eligible spend: 0.5 Miles per USD 1; Eligible foreign spend: 0.75 Miles per USD 1; Emirates: 1 Mile per USD 1; EEA: 0.3 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | Free | AED 735 | AED 15,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates: 1.5 Miles per USD 1; EEA: 0.5 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | Free | AED 1,575 | AED 20,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates: 2 Miles per USD 1; EEA: 0.75 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | Free | AED 1,575 | AED 5,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2.5 Miles per USD 1; EEA: 0.6 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | Free | AED 4,725 | AED 5,000 | Other eligible spend: 1.5 Miles per USD 1; Eligible foreign spend: 2 Miles per USD 1; Emirates / flydubai: 3 Miles per USD 1; EEA: 0.8 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 3,148.95 | AED 1,575 | AED 30,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2 Miles per USD 1; EU / UK: 0.75 Miles per USD 1 | Up to 150,000 welcome Skywards Miles, then direct Skywards earning with separate Emirates, international and everyday spending rates |
 | AED 1,573.95 | AED 735 | AED 12,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates / flydubai: 1.5 Miles per USD 1; EU / UK: 0.5 Miles per USD 1 | Direct Skywards earning with a lower recurring fee than ENBD Infinite |
 | AED 5,775 | AED 5,775 | AED 12,000 | Other eligible spend: 1.5 Miles per USD 1; Eligible foreign spend: 2 Miles per USD 1; Emirates / flydubai: 3.5 Miles per USD 1; EEA / UK: 0.75 Miles per USD 1 | Premium Islamic Skywards card; compare its fee and qualifying travel benefits |
 | Free | AED 2,100 | AED 12,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2 Miles per USD 1; EEA / UK: 0.375 Miles per USD 1 | Islamic Skywards card with category-specific earning rates |
 | AED 735 | AED 735 | AED 12,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1.1 Miles per USD 1; Emirates / flydubai: 1.5 Miles per USD 1; EEA / UK: 0.275 Miles per USD 1 | Signature-tier Islamic card earning Skywards Miles directly |
 | AED 735 | AED 735 | AED 15,000 | Redeem Liv reward points as miles in the app. Monthly spending tiers and miles caps apply. | Liv reward points redeemable as cashback or Skywards Miles; higher miles cap than Liv Cashback |
 | Free | Free | AED 5,000 | Redeem Liv reward points as miles in the app. Monthly spending tiers and miles caps apply. | No annual fee; Liv reward points redeemable as cashback or Skywards Miles |
| Card | Joining fee | Annual fee | Min. salary | Skywards earning | Why it stands out |
|---|---|---|---|---|---|
| Free | AED 1,050 | AED 10,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates / flydubai: 1.75 Miles per USD 1 | AED 10,000 salary at approved employers; AED 12,500 elsewhere |
| Free | AED 2,625 | AED 30,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2.75 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| Free | AED 525 | AED 10,000 | Other eligible spend: 0.5 Miles per USD 1; Eligible foreign spend: 0.75 Miles per USD 1; Emirates: 1 Mile per USD 1; EEA: 0.3 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| Free | AED 735 | AED 15,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates: 1.5 Miles per USD 1; EEA: 0.5 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| Free | AED 1,575 | AED 20,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates: 2 Miles per USD 1; EEA: 0.75 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| Free | AED 1,575 | AED 5,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2.5 Miles per USD 1; EEA: 0.6 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| Free | AED 4,725 | AED 5,000 | Other eligible spend: 1.5 Miles per USD 1; Eligible foreign spend: 2 Miles per USD 1; Emirates / flydubai: 3 Miles per USD 1; EEA: 0.8 Miles per USD 1 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 3,148.95 | AED 1,575 | AED 30,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2 Miles per USD 1; EU / UK: 0.75 Miles per USD 1 | Up to 150,000 welcome Skywards Miles, then direct Skywards earning with separate Emirates, international and everyday spending rates |
| AED 1,573.95 | AED 735 | AED 12,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates / flydubai: 1.5 Miles per USD 1; EU / UK: 0.5 Miles per USD 1 | Direct Skywards earning with a lower recurring fee than ENBD Infinite |
| AED 5,775 | AED 5,775 | AED 12,000 | Other eligible spend: 1.5 Miles per USD 1; Eligible foreign spend: 2 Miles per USD 1; Emirates / flydubai: 3.5 Miles per USD 1; EEA / UK: 0.75 Miles per USD 1 | Premium Islamic Skywards card; compare its fee and qualifying travel benefits |
| Free | AED 2,100 | AED 12,000 | Other eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2 Miles per USD 1; EEA / UK: 0.375 Miles per USD 1 | Islamic Skywards card with category-specific earning rates |
| AED 735 | AED 735 | AED 12,000 | Other eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1.1 Miles per USD 1; Emirates / flydubai: 1.5 Miles per USD 1; EEA / UK: 0.275 Miles per USD 1 | Signature-tier Islamic card earning Skywards Miles directly |
| AED 735 | AED 735 | AED 15,000 | Redeem Liv reward points as miles in the app. Monthly spending tiers and miles caps apply. | Liv reward points redeemable as cashback or Skywards Miles; higher miles cap than Liv Cashback |
| Free | Free | AED 5,000 | Redeem Liv reward points as miles in the app. Monthly spending tiers and miles caps apply. | No annual fee; Liv reward points redeemable as cashback or Skywards Miles |
HSBC Emirates Skywards Signature Credit Card
Joining feeFree
Annual feeAED 1,050
Min. salaryAED 10,000
Skywards earningOther eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates / flydubai: 1.75 Miles per USD 1
HighlightAED 10,000 salary at approved employers; AED 12,500 elsewhere
HSBC Emirates Skywards Infinite Credit Card
Joining feeFree
Annual feeAED 2,625
Min. salaryAED 30,000
Skywards earningOther eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2.75 Miles per USD 1
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
DIB Emirates Skywards Platinum Covered Card
Joining feeFree
Annual feeAED 525
Min. salaryAED 10,000
Skywards earningOther eligible spend: 0.5 Miles per USD 1; Eligible foreign spend: 0.75 Miles per USD 1; Emirates: 1 Mile per USD 1; EEA: 0.3 Miles per USD 1
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
DIB Emirates Skywards Signature Covered Card
Joining feeFree
Annual feeAED 735
Min. salaryAED 15,000
Skywards earningOther eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates: 1.5 Miles per USD 1; EEA: 0.5 Miles per USD 1
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
DIB Emirates Skywards Infinite Covered Card
Joining feeFree
Annual feeAED 1,575
Min. salaryAED 20,000
Skywards earningOther eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates: 2 Miles per USD 1; EEA: 0.75 Miles per USD 1
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
ADIB Emirates Skywards Visa Signature Covered Card
Joining feeFree
Annual feeAED 1,575
Min. salaryAED 5,000
Skywards earningOther eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2.5 Miles per USD 1; EEA: 0.6 Miles per USD 1
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
ADIB Emirates Skywards Visa Infinite Covered Card
Joining feeFree
Annual feeAED 4,725
Min. salaryAED 5,000
Skywards earningOther eligible spend: 1.5 Miles per USD 1; Eligible foreign spend: 2 Miles per USD 1; Emirates / flydubai: 3 Miles per USD 1; EEA: 0.8 Miles per USD 1
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
ENBD Skywards Infinite Credit Card
Joining feeAED 3,148.95
Annual feeAED 1,575
Min. salaryAED 30,000
Skywards earningOther eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2 Miles per USD 1; EU / UK: 0.75 Miles per USD 1
HighlightUp to 150,000 welcome Skywards Miles, then direct Skywards earning with separate Emirates, international and everyday spending rates
ENBD Skywards Signature Credit Card
Joining feeAED 1,573.95
Annual feeAED 735
Min. salaryAED 12,000
Skywards earningOther eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1 Mile per USD 1; Emirates / flydubai: 1.5 Miles per USD 1; EU / UK: 0.5 Miles per USD 1
HighlightDirect Skywards earning with a lower recurring fee than ENBD Infinite
Emirates Islamic Skywards Black Credit Card
Joining feeAED 5,775
Annual feeAED 5,775
Min. salaryAED 12,000
Skywards earningOther eligible spend: 1.5 Miles per USD 1; Eligible foreign spend: 2 Miles per USD 1; Emirates / flydubai: 3.5 Miles per USD 1; EEA / UK: 0.75 Miles per USD 1
HighlightPremium Islamic Skywards card; compare its fee and qualifying travel benefits
Emirates Islamic Skywards Infinite Credit Card
Joining feeFree
Annual feeAED 2,100
Min. salaryAED 12,000
Skywards earningOther eligible spend: 1 Mile per USD 1; Eligible foreign spend: 1.5 Miles per USD 1; Emirates / flydubai: 2 Miles per USD 1; EEA / UK: 0.375 Miles per USD 1
HighlightIslamic Skywards card with category-specific earning rates
Emirates Islamic Skywards Signature Credit Card
Joining feeAED 735
Annual feeAED 735
Min. salaryAED 12,000
Skywards earningOther eligible spend: 0.75 Miles per USD 1; Eligible foreign spend: 1.1 Miles per USD 1; Emirates / flydubai: 1.5 Miles per USD 1; EEA / UK: 0.275 Miles per USD 1
HighlightSignature-tier Islamic card earning Skywards Miles directly
Liv Cashback+ Credit Card
Joining feeAED 735
Annual feeAED 735
Min. salaryAED 15,000
Skywards earningRedeem Liv reward points as miles in the app. Monthly spending tiers and miles caps apply.
HighlightLiv reward points redeemable as cashback or Skywards Miles; higher miles cap than Liv Cashback
Liv Cashback Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
Skywards earningRedeem Liv reward points as miles in the app. Monthly spending tiers and miles caps apply.
HighlightNo annual fee; Liv reward points redeemable as cashback or Skywards Miles
Why choose Emirates Skywards Credit Cards in the UAE
1.
Direct miles or a choice at redemption
Co-branded Skywards cards earn miles for your linked Emirates Skywards account. Liv cards earn reward points that you can redeem as cashback or Skywards Miles in the app.
2.
Compare the spending you actually make
An Emirates booking, a supermarket purchase and an overseas payment can earn different rates. Reduced categories, spending thresholds and monthly caps matter as much as the headline rate.
3.
Separate ongoing rewards from joining offers
Compare recurring fees and earning first. Then check each welcome offer's qualifying spend, payment deadline and eligibility before including the bonus in your decision.
Skywards Miles from monthly spending
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD Skywards Infinite Credit Card
Skywards Miles
Liv Digital Bank by Emirates NBD
Liv Cashback+ Credit Card
Skywards Miles
Reward output
Skywards Miles
Choose cashback or the equivalent Skywards Miles output.
Emirates, flydubai +8 more
2.4%
AED 0
2.4% · AED 0
Emirates, flydubai +8 more
0.29%
AED 0
0.29% · AED 0
International
1.8%
AED 0
1.8% · AED 0
International
0.29%
AED 0
0.29% · AED 0
Grocery, Fast Food +2 more
0.3%
AED 0
0.3% · AED 0
Grocery, Fast Food +2 more
0.29%
AED 0
0.29% · AED 0
Education, Real Estate +2 more
0.12%
AED 0
0.12% · AED 0
Education, Real Estate +2 more
0.29%
AED 0
0.29% · AED 0
Government, Utilities, Telecom
0.12%
AED 0
0.12% · AED 0
Government, Utilities, Telecom
0.03%
AED 0
0.03% · AED 0
Other Spends
1.2%
AED 0
1.2% · AED 0
Other Spends
0.29%
AED 0
0.29% · AED 0
Airport Lounge Access
—
Airport Lounge Access
AED 1,472
Golf
—
Golf
—
VOX Cinemas BOGO
—
VOX Cinemas BOGO
AED 528
Careem Airport Transfer
—
Careem Airport Transfer
AED 60
Valet Parking
AED 1,200
Valet Parking
—
Annual rewards
AED 0
Annual rewards
AED 0
Effective annual fee
– AED 1,575
Ongoing
Effective annual fee
– AED 735
Ongoing
Annual rewards after fees
– AED 1,575
Ongoing
Annual rewards after fees
– AED 735
Ongoing
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
How Kredit decides
Methodology and data behind this comparison
Commercial relationships do not determine Kredit Ratings or market rankings. Use the published methods and data sources below to inspect how the comparison is built.
Emirates Skywards guide
Programme rules, earning and redemption context separate from card selection.
Skywards valuation
See the AED-equivalent valuation methodology used for miles.
Tools & calculators
Put the comparison into your own numbers, or open the underlying market data before you choose.
Calculator
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Calculator
Miles & points to AED
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Calculator
Rewards calculator
Enter your monthly spend and compare the AED value different UAE cards could return.
14 cards in the UAE
HSBC
HSBC Emirates Skywards Signature Credit Card
- Salary: AED 10,000+
- Direct Skywards Miles
- Annual fee: AED 1,050
HSBC
HSBC Emirates Skywards Infinite Credit Card
- Salary: AED 30,000+
- Direct Skywards Miles
- Annual fee: AED 2,625
DUBAI ISLAMIC BANK
IslamicDIB Emirates Skywards Platinum Covered Card
- Salary: AED 10,000+
- Direct Skywards Miles
- Annual fee: AED 525
DUBAI ISLAMIC BANK
IslamicDIB Emirates Skywards Signature Covered Card
- Salary: AED 15,000+
- Direct Skywards Miles
- Annual fee: AED 735
DUBAI ISLAMIC BANK
IslamicDIB Emirates Skywards Infinite Covered Card
- Salary: AED 20,000+
- Direct Skywards Miles
- Annual fee: AED 1,575
ABU DHABI ISLAMIC BANK (ADIB)
IslamicADIB Emirates Skywards Visa Signature Covered Card
- Salary: AED 5,000+
- Direct Skywards Miles
- Annual fee: AED 1,575
ABU DHABI ISLAMIC BANK (ADIB)
IslamicADIB Emirates Skywards Visa Infinite Covered Card
- Salary: AED 5,000+
- Direct Skywards Miles
- Annual fee: AED 4,725
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Up to 150,000 bonus Miles
- Skywards Silver membership
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Up to 40,000 bonus Miles
- 1.5 Miles/USD on Emirates
EMIRATES ISLAMIC
IslamicEmirates Islamic Skywards Black Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
EMIRATES ISLAMIC
IslamicEmirates Islamic Skywards Infinite Credit Card
- Salary: AED 12,000+
- Up to 2 Skywards Miles per USD spent
- 2 complimentary airport lounge visits yearly, with a guest
- Automatic Skywards Silver Membership Upgrade
EMIRATES ISLAMIC
IslamicEmirates Islamic Skywards Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 735
- Up to 1.5 Skywards Miles per USD spent
- 1 complimentary airport lounge visit yearly, with a guest
- 1 complimentary valet parking monthly
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 VOX B1G1 offers + 25% off F&B from AED 40
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 VOX B1G1 offers + 25% off F&B from AED 40
Choosing a Skywards-earning card
Follow these steps to complete your application.
1.Check the card's salary and other eligibility requirements
2.Compare earning on your everyday, overseas and airline spending
3.Check joining fees, recurring fees and the conditions for any fee waiver
4.Compare your options using the calculator, then review the issuer's application terms
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Emirates Skywards Credit Cards in the UAE
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