How many Skywards Miles does this card earn?

2 Miles per USD 1 on Emirates and flydubai spending, 1.5 Miles per USD 1 on international spending, and 1 Mile per USD 1 on other eligible spending.

Which purchases earn reduced Miles?

Domestic groceries, fast-food restaurants, insurance and car dealerships earn a quarter of the domestic rate. Fuel, transport, government, utilities, real estate, education and telecom earn a tenth.

How does the regional earning rate work?

Merchant transactions in the European Union and the United Kingdom earn 0.75 Miles per USD 1. A foreign-currency purchase elsewhere uses the international rate instead.

Which transactions earn no Miles?

Cash advances, bank fees, balance transfers and other non-retail transactions do not earn Skywards Miles. Earning is limited by your card limit and the issuer’s spending caps.

What is the welcome offer?

Apply digitally and earn up to 150,000 bonus Skywards Miles: 50,000 when you pay the joining fee, 75,000 when you spend USD 25,000 in the first 3 statements, and 25,000 when you spend USD 3,500 with Emirates within 12 months.

How can I use the Miles?

Redeem through Emirates Skywards for flights, upgrades and partner rewards. Availability and the Miles required depend on the itinerary you choose.

Emirates NBD Skywards Infinite Credit Card

Q: What does the card cost?

Joining fee AED 3,148.95. Annual fee AED 1,575.

At a glance

Welcome offer

Welcome bonus

Up to 150,000 Bonus Skywards Miles

Extra reward

Complimentary Rotana Rewards Exclusive Club Membership

Rewards

Category	Earn	Rate
Emirates, flydubai +8 more	2 miles per USD	2.4% 2 miles per USD
International	1.5 miles per USD	1.8% 1.5 miles per USD
Grocery, Fast Food, Insurance, Car Dealers	0.25 miles per USD	0.3% 0.25 miles per USD
Government, Utilities +4 more	0.1 miles per USD	0.12% 0.1 miles per USD
All other spend	1 mile per USD	1.2% 1 mile per USD

Category	Earn	Rate
Emirates, flydubai +8 more	2 miles per USD	2.4% 2 miles per USD
International	1.5 miles per USD	1.8% 1.5 miles per USD
Grocery, Fast Food, Insurance, Car Dealers	0.25 miles per USD	0.3% 0.25 miles per USD
Government, Utilities +4 more	0.1 miles per USD	0.12% 0.1 miles per USD
All other spend	1 mile per USD	1.2% 1 mile per USD

See all rewards

Fees and eligibility

Joining FeeAED 3,148.95

Annual Fee

AED 1,575

Minimum SalaryAED 30,000

Monthly Purchase Rate

3.25%

International Transaction Fee (non-AED)

1.99%

See all fees

Top benefits

Airport lounge

1/month

Golf

2/month

Valet parking4/month

Concierge1/month

See all benefits

Welcome offer

Up to 150,000 Bonus Skywards Miles

50,000 on joining, up to 100,000 more on spend milestones.

Complimentary Rotana Rewards Exclusive Club Membership

AED 1,050 value in year-1 dining and stay perks.

Rewards

1Skywards Miles

per USD 1 on other eligible spending.

1.5Skywards Miles

per USD 1 on eligible international spending.

2Skywards Miles

per USD 1 on Emirates and flydubai spending.

0.75Skywards Miles

per USD 1 on merchant spending in the EU and UK.

Rewards Calculator

Offers

Offers at 305 places in the UAE

See on the map See all 755

Lifestyle

Merchant

Al Musheer Gulf Fashion

15%-25% off Kanduras (depending on the fabric).

Valid until 31 Oct 2026

View offer

Lifestyle

Merchant

Belhasa Driving Center

Exclusive price at Belhasa Driving Center

Valid until 31 Oct 2026

View offer

Restaurants

Merchant

Biella

20% off on food & beverage

Valid until 31 Oct 2026

View offer

Lifestyle

Merchant

Blazerr.ae

15% off total bill

Valid until 31 Oct 2026

View offer

Additional Benefits

Emirates Skywards Silver Membership

Complimentary: 25% bonus miles, Business Class lounge and check-in.

Visa Airport Companion Lounge Access

12 visits a year for you and one guest via Visa Airport Companion.

Golf

Complimentary access to 6 UAE golf venues.

Cinema Offers

Buy-1-get-1-free, up to 2 free tickets a month at VOX and Reel.

Valet Parking

4 free valet services a month in Abu Dhabi.

Concierge Service

Assistance with time-consuming errands.

Skywards Express Miles (Optional)

AED 262.50/month for 50% extra miles instead of the annual fee.

Credit Shield Pro (Optional)

Optional payment protection for 1.04% of your balance per month.

Fees

3,148.95AED

Joining Fee

1,575AED

Annual Fee

3.25%

Monthly Purchase Rate

Late Payment FeeAED 241.5*

*Charged per month if the minimum payment due is not received in full by the payment due date.

Over Limit FeeAED 292.95*

*Charged once during each billing cycle when the current balance exceeds the credit limit.

Cash Advance Fee3.15%*

*3.15% of the cash advance amount or AED 103.95, whichever is higher.

Installment ProcessingAED 51.45*

*Charged per transaction.

Installment Pre-closure1.05%*

*1.05% of principal outstanding.

International Transaction Fee (non-AED)1.99%*

*Bank currency conversion fee; network processing fees may also apply.

Foreign Currency Transaction Fee (AED abroad)1.99%*

*Applies when settling foreign currency transactions in UAE dirhams overseas.

Direct Debit Return FeeAED 105*

*Charged for returned cheque or direct debit handling.

Credit Shield Pro1.04%*

*Monthly premium on the credit card outstanding balance when enrolled.

Cash Advance Limit50%*

*Cash advances are capped at 50% of your credit limit; interest accrues from the transaction date with no interest-free period.

Minimum Payment Due5%*

*5% of the outstanding balance or AED 100, whichever is higher, plus any instalment, insurance, overdue or over-limit amounts. Balances under AED 100 must be paid in full.

Instalment / Balance Transfer Rate3.46%*

*Up to 3.46% reducing monthly interest (41.52% per annum) on the reducing-rate option, or 0% with a processing fee of up to 5% (minimum AED 51.45).

Replacement CardAED 21

No-Liability LetterAED 52.5

Duplicate Statement (≤3mo)AED 15.75

Duplicate Statement (>3mo)AED 47.25