1.5 Skywards Miles per USD on Emirates and flydubai.

1.5 Skywards Miles per USD on Emirates and flydubai spending and duty free, 1 per USD on international spending outside the EU and UK, 0.75 per USD on other eligible spending and 0.5 per USD at EU and UK merchants.

A joining fee of AED 1,573.95 and an annual fee of AED 735. The bonus Skywards Miles depend on paying the joining fee.

AED 12,000 per month, credited to a UAE bank account. You also need to be a UAE resident aged 21+, and final approval is subject to Emirates NBD's checks including your AECB credit history.

Yes. Online food-delivery and car-booking apps in the UAE earn 1.5 Skywards Miles per USD, the same as Emirates and flydubai.

Groceries, fast food, insurance and car dealers earn 0.1875 Miles per USD. Fuel, transit, government services, utilities, real estate, education and telecom payments earn 0.075 Miles per USD.

Yes, 10 complimentary lounge visits a year through DragonPass.

Up to 12 complimentary golf rounds a year at Abu Dhabi City, Arabian Ranches and Sharjah Golf & Shooting Club with AED 5,000 monthly spend (AED 30 processing fee per booking), buy-one-get-one tickets at VOX and Reel Cinemas up to 2 a month subject to minimum spend, 3 valet parking services a month at select Abu Dhabi locations and up to 12 concierge requests a year.

3.25% a month, equivalent to 39% a year, with a 55-day interest-free period on retail purchases. The minimum payment is 5% of the balance or AED 100, whichever is higher.

Select Apply now and answer a few eligibility questions, then continue to Emirates NBD's application. Keep your Emirates ID, passport and email inbox to hand: the bank asks you to scan both documents and verify your email before it can decide.

Skywards Infinite earns 2 Miles per USD on Emirates and flydubai and includes Emirates Skywards Silver membership, from AED 30,000 salary with higher fees.