How many Skywards Miles does this card earn?

1.5 Miles per USD 1 on Emirates and flydubai spending, 1 Mile per USD 1 on international spending, and 0.75 Miles 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 0.5 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.

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 Signature Credit Card

Q: What does the card cost?

Joining fee AED 1,573.95. Annual fee AED 735.

At a glance

Welcome offer

Welcome bonus

Up to 40,000 Bonus Skywards Miles

Rewards

Category	Earn	Rate
Emirates, flydubai +8 more	1.5 miles per USD	1.8% 1.5 miles per USD
International	1 mile per USD	1.2% 1 mile per USD
Grocery, Fast Food, Insurance, Car Dealers	0.1875 miles per USD	0.23% 0.1875 miles per USD
Government, Utilities +4 more	0.075 miles per USD	0.09% 0.075 miles per USD
All other spend	0.75 miles per USD	0.9% 0.75 miles per USD

Category	Earn	Rate
Emirates, flydubai +8 more	1.5 miles per USD	1.8% 1.5 miles per USD
International	1 mile per USD	1.2% 1 mile per USD
Grocery, Fast Food, Insurance, Car Dealers	0.1875 miles per USD	0.23% 0.1875 miles per USD
Government, Utilities +4 more	0.075 miles per USD	0.09% 0.075 miles per USD
All other spend	0.75 miles per USD	0.9% 0.75 miles per USD

See all rewards

Fees and eligibility

Joining FeeAED 1,573.95

Annual Fee

AED 735

Minimum SalaryAED 12,000

Monthly Purchase Rate

3.69%

International Transaction Fee (non-AED)

1.99%

See all fees

Top benefits

Airport lounge8/year

Golf

2/month

Cinema2/month

Valet parking3/month

Concierge1/month

See all benefits

Welcome offer

Up to 40,000 Bonus Skywards Miles

Up to 40,000 bonus Skywards Miles when you meet the joining and spend conditions.

Rewards

0.75Skywards Miles

per USD 1 on other eligible spending.

1Skywards Miles

per USD 1 on eligible international spending.

1.5Skywards Miles

per USD 1 on Emirates and flydubai spending.

0.5Skywards Miles

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

Rewards Calculator

Offers

Card benefits at 305 places in the UAE

See on the map See all 738

Lifestyle

Merchant

Smart Global Domestic Workers Services Center L.L.C.

10% off domestic workers recruitment fees for all available nationalities.

Valid until 11 Nov 2026

View offer

Restaurants

Merchant

Esca Restauarants DMCC

Pressman's

Valid until 12 Nov 2026

View offer

Lifestyle

Merchant

Yinyang Connection Spa

10% off on all services

Valid until 14 Nov 2026

View offer

Restaurants

Merchant

Oliwino - W Dubai The Palm

25% discount on food and beverage

Valid until 19 Nov 2026

View offer

Additional Benefits

Airport Lounge Access

8 visits a year via Visa Airport Companion.

Golf Privileges

Up to two rounds per month at six UAE courses, with AED 5,000 spend in the use month.

Cinema Offers

Buy-one-get-one-free tickets at VOX and Reel Cinemas, up to 2 per month (24 per year).

Valet Parking

3 complimentary services per month (36 per year) at select Abu Dhabi locations.

Concierge Service

Up to 12 complimentary requests per year for travel and lifestyle assistance.

Fees

1,573.95AED

Joining Fee

735AED

Annual Fee

3.69%

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.

Installment Plan (Reducing Rate)3.46%*

*Up to 3.46% reducing monthly rate (up to 41.52% per annum).

Card ReplacementAED 21

No Liability LetterAED 52.5

Duplicate StatementAED 15.75*

*AED 15.75 per month for statements within the last 3 months; AED 47.25 per month for older statements.

Important Stuff

Key Facts Statement

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Key Facts Statement (PDF)

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ENBD Skywards Signature Credit Card