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AboutUnlock my cardsOffersBanksLoyalty ProgramsCalculatorsAccountsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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ENBD Skywards Infinite vs ADCB Etihad Guest Infinite: which is better in the UAE? (2026)

Both are top-tier direct airline-miles cards. The right pick comes down to which airline you actually fly — Emirates/flydubai or Etihad — since miles in one programme rarely help on the other.

Emirates NBD

ENBD Skywards Infinite Credit Card

ENBD Skywards Infinite Credit Card

ApplyApply for ENBD Skywards Infinite Credit Card credit cardSee full details

Abu Dhabi Commercial Bank (ADCB)

ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card

ApplyApply for ADCB Etihad Guest Infinite Credit Card credit cardSee full details

Emirates Skywards and Etihad Guest are the two airline loyalty programmes UAE-issued travel cards actually earn into. The ENBD Skywards Infinite earns Skywards Miles directly on Emirates and flydubai spend; the ADCB Etihad Guest Infinite earns Etihad Guest Miles directly on Etihad spend. Both convert at broadly similar rates for flight redemptions, so the decision is less about which programme pays better and more about which airline you fly.

ENBD Skywards Infinite Credit Card vs ADCB Etihad Guest Infinite Credit Card compared

A side-by-side snapshot of annual fees, salary requirements, and standout benefits.

CardAnnual feeJoining feeMin. salaryWhy it stands out
ENBD Skywards Infinite Credit Card
ENBD Skywards Infinite Credit Card
AED 1,575AED 1,575AED 30,000Direct Emirates Skywards Miles on Emirates and flydubai spend, worth up to AED 0.06/mile on award flights.
ADCB Etihad Guest Infinite Credit Card
ADCB Etihad Guest Infinite Credit Card
AED 2,625AED 2,625AED 40,000Direct Etihad Guest Miles on Etihad spend, worth up to AED 0.05/mile on award flights.
CardAnnual feeJoining feeMin. salaryWhy it stands out
ENBD Skywards Infinite Credit Card
ENBD Skywards Infinite Credit Card
AED 1,575AED 1,575AED 30,000Direct Emirates Skywards Miles on Emirates and flydubai spend, worth up to AED 0.06/mile on award flights.
ADCB Etihad Guest Infinite Credit Card
ADCB Etihad Guest Infinite Credit Card
AED 2,625AED 2,625AED 40,000Direct Etihad Guest Miles on Etihad spend, worth up to AED 0.05/mile on award flights.
ENBD Skywards Infinite Credit Card

ENBD Skywards Infinite Credit Card

Annual feeAED 1,575
Joining feeAED 1,575
Min. salaryAED 30,000
HighlightDirect Emirates Skywards Miles on Emirates and flydubai spend, worth up to AED 0.06/mile on award flights.
ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card

Annual feeAED 2,625
Joining feeAED 2,625
Min. salaryAED 40,000
HighlightDirect Etihad Guest Miles on Etihad spend, worth up to AED 0.05/mile on award flights.

Which card earns more on your spend?

Adjust your monthly spending to see how cashback changes across cards.

ENBD Skywards Infinite Credit Card

Emirates NBD

ENBD Skywards Infinite Credit Card

Emirates Skywards Miles
ApplyApply for ENBD Skywards Infinite Credit Card credit card
ADCB Etihad Guest Infinite Credit Card

Abu Dhabi Commercial Bank (ADCB)

ADCB Etihad Guest Infinite Credit Card

Etihad Guest Miles
ApplyApply for ADCB Etihad Guest Infinite Credit Card credit card
Flights
3%
AED 0
3% · AED 0
Flights
4.08%
AED 0
4.08% · AED 0
International
2.4%
AED 0
2.4% · AED 0
International
2.73%
AED 0
2.73% · AED 0
Fuel, Transportation
0.16%
AED 0
0.16% · AED 0
Fuel, Transportation
2.04%
AED 0
2.04% · AED 0
Grocery, Automotive
0.41%
AED 0
0.41% · AED 0
Grocery, Automotive
2.04%
AED 0
2.04% · AED 0
Charity
1.5%
AED 0
1.5% · AED 0
Charity
0.34%
AED 0
0.34% · AED 0
Government, Utilities +3 more
0.16%
AED 0
0.16% · AED 0
Government, Utilities +3 more
0.34%
AED 0
0.34% · AED 0
Insurance
0.41%
AED 0
0.41% · AED 0
Insurance
0.34%
AED 0
0.34% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Other Spends
2.04%
AED 0
2.04% · AED 0
Airport Lounge Access
AED 2,760
Airport Lounge Access
AED 2,760
Golf
—
Golf
—
Airport Transfers
—
Airport Transfers
AED 600
Valet Parking
AED 1,200
Valet Parking
—
Annual Fee
– AED 1,575
Annual Fee
– AED 2,625
Total
+ AED 2,385
Total
+ AED 735

Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.

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Who wins each category

Emirates / flydubai flyers

ENBD Skywards Infinite Credit Card

Direct Skywards Miles redeem on Emirates and flydubai award flights and upgrades.

Etihad flyers

ADCB Etihad Guest Infinite Credit Card

Direct Etihad Guest Miles redeem on Etihad award flights and upgrades.

Mile redemption value (flights)

ENBD Skywards Infinite Credit Card

Skywards Miles redeem at a slightly higher AED value per mile on award flights (≈0.06 vs ≈0.05).

The verdict

If you fly Emirates or flydubai, the Skywards Infinite is the only one of the two that puts miles directly into the programme you'll actually redeem — Skywards Miles earned elsewhere convert poorly outside Emirates' own network. The same logic runs the other way for Etihad flyers and the Etihad Guest Infinite. Don't pick based on a slightly higher headline earn rate on the 'wrong' airline card — a mile you can't spend on your own flights is worth far less than the redemption-rate table above suggests. Use our miles-to-AED calculator to see what your actual balance converts to on flights vs cash before deciding, and check the Skywards and Etihad Guest hubs for the full tier ladder on each side.

Ready to choose?

Apply online in minutes — no branch visit needed.

ENBD Skywards Infinite Credit Card

ENBD Skywards Infinite Credit Card

ApplyApply for ENBD Skywards Infinite Credit Card credit card
ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card

ApplyApply for ADCB Etihad Guest Infinite Credit Card credit card

Not sure which card to pick?

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Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.

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ENBD Skywards Infinite Credit Card vs ADCB Etihad Guest Infinite Credit Card: FAQ

Common questions about choosing between ENBD Skywards Infinite Credit Card and ADCB Etihad Guest Infinite Credit Card.

On flight redemptions, a Skywards Mile is typically worth around AED 0.06 versus around AED 0.05 for an Etihad Guest Mile — but the bigger factor is which airline you actually fly. A mile in a programme whose airline you never use is worth far less than the redemption-rate table suggests. Use the miles-to-AED calculator to check your actual balance.

No — the two programmes aren't interchangeable. Skywards Miles redeem on Emirates, flydubai and Skywards partner airlines; Etihad Guest Miles redeem on Etihad and its own partner network. Pick the card that matches the airline you fly, not the one with the marginally higher headline earn rate.

Both cards run welcome-bonus miles after an initial spend threshold — check the live spec table above for the current offer on each, as bonus terms change periodically.

Both are premium Infinite-tier cards aimed at higher earners. The live spec table above shows the current minimum salary for each — confirm it before applying, since requirements can change.

Yes — if you don't fly either airline consistently, a flexible cashback card (or a card that lets you convert cashback to miles, like Liv Cashback) usually delivers more usable value than a single-airline miles card you rarely redeem.