- Joining Fee
- Free
- Annual Fee
- AED 735
- Minimum Salary
- AED 15,000
DIB Emirates Skywards Signature Covered Card
Earn Skywards Miles on eligible spending and redeem them through Emirates Skywards.
≈ AED 7,816 potential value / year · incl. perks
Welcome offer
Activation bonus
15,000 Skywards Miles
Activate the card and pay the applicable annual fee.
See full breakdownBalance-transfer bonus
15,000 additional Miles
Transfer at least AED 30,000 and maintain the transfer for six months. Financing charges apply.
See full breakdownRewards
0.75Skywards Miles
per USD 1 on other eligible spending.
Eligible AED purchases outside airline and reduced-rate categories.
See full breakdown1Skywards Miles
per USD 1 on eligible international spending.
Reduced categories retain their category rate.
See full breakdown1.5Skywards Miles
per USD 1 on Emirates spending.
Emirates spending.
See full breakdown0.5Skywards Miles
per USD 1 on merchant spending in the EEA.
Merchant spending in the EEA.
See full breakdown0.2Skywards Miles
per USD 1 on reduced categories.
Applies to government, groceries, utilities, education, fuel, real estate and public transport, insurance and car dealers. Applies to AED and non-AED purchases.
See full breakdownRewards Calculator
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Eligibility
15,000AED
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.
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 breakdownAirport Transfers
2 transfers a year between DXB Terminal 3 and Abu Dhabi.
Two complimentary transfers per year between Dubai International Terminal 3 and Abu Dhabi, either direction. Needs an Emirates ticket bought with the card in the previous six months and AED 5,000 minimum monthly spend; book two calendar days ahead.
See full breakdownAirport Lounge Access
8 visits a year to 1,200+ lounges worldwide.
Eight complimentary visits per year to over 1,200 lounges. The first visit each calendar year is free; later visits need USD 1 of foreign-currency spend outside the UAE 15 days beforehand, otherwise US$ 32 per use. Entry via Visa Airport Companion.
See full breakdown0% Easy Payment Plan with Emirates
Split emirates.com ticket purchases at 0%.
Buy Emirates tickets on emirates.com with the Emirates Skywards DIB Signature Covered Card and apply for a 0% Easy Payment Plan through the link on the Emirates booking confirmation page.
See full breakdownInternational Concierge
24/7 bookings, reservations and limousine transfers.
Round-the-clock personalised assistance worldwide for hotel bookings, flight reservations, limousine transfers and more, through a network of global toll-free numbers.
See full breakdownTravel and Medical Cover
Up to US$ 500,000 on trips of up to 90 days.
Multi-trip travel and medical coverage of up to US$ 500,000 when tickets are booked with the card, covering the cardholder, spouse and up to 5 children on all trips of up to 90 days.
See full breakdownVisa Luxury Hotel Collection
Member rates, upgrades and breakfast at 900+ hotels.
Member privileges at over 900 luxury hotel properties worldwide: preferential prices, room upgrades, free internet and breakfast, VIP guest status, late check-out and food and beverage vouchers worth US$ 25.
See full breakdownValet Parking
2 complimentary valet visits a month at 18 UAE locations.
Two complimentary valet parking services a month at 18 UAE locations, including Wafi City, Oasis Centre, Ibn Battuta Mall, Dubai International Terminals 1 and 3, Yas Mall and Marina Mall. Excess usage is charged at each location's own rate.
See full breakdownRoadside Assistance
Up to 3 call-outs a year across the UAE.
Complimentary roadside assistance up to 3 times per year: towing, fuel delivery, battery boost, flat-tyre change, lock-out service and off-road recovery, plus one vehicle registration and one servicing pick-up and drop-off a year.
See full breakdownExtraMiles App Bonus
2 extra Skywards Miles per USD 1 on hotels and car rentals.
Earn 2 additional Skywards Miles for every USD 1 spent through the ExtraMiles app on hotel bookings and car rentals. DIB runs this as a limited-period offer.
See full breakdownFees
735AED
Annual fee
DIB's Schedule of Charges prices year one at AED 1,575 and year two onwards at AED 735.
Free
Supplementary card
DIB charges no annual fee on supplementary or internet cards.
3.69%
Monthly profit rate
Up to 3.69% a month on Emirates Skywards covered cards.
Cash withdrawal3.15%*
*Of the transaction amount. Also applies at merchants Visa or Mastercard classify as non-financial institutions: cryptocurrency, foreign currency, money orders, stored-value cards and travellers' cheques.
International ATMAED 26.25*
*Per transaction at non-DIB ATMs outside the UAE, in addition to the cash withdrawal fee.
Late paymentAED 236.25*
*Undertaking to donate, per instance.
Card replacementAED 52.5*
*Per request.
Sales voucher copyAED 26.25*
*Per request.
UpgradeAED 288.75*
*On a permanent upgrade that adds all features of the new card.
Foreign currency fee3.7%*
*Of the transaction amount, per transaction.
International, billed in AED3.14%*
*Of the transaction amount, per transaction.
Credit Shield0.94%*
*Of the outstanding amount, per month. Optional cover.
Liability letterAED 52.5*
*Per request.
Payment by chequeFree*
*DIB charges nothing for payment by its own cheque.
Frequently Asked Questions
Get answers to common questions about DIB Emirates Skywards Signature Covered Card credit card
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