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

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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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Emirates NBD Skywards Visa Debit Card
Joining Fee
AED 2,625
Annual Fee
AED 2,520
Minimum Salary
None

Emirates NBD Skywards Visa Debit Card

A premium Visa debit card earning tiered Skywards Miles with lounge access and transfers.

Updated Aug 2026

≈ AED 23,438 potential value / year · incl. perks · incl. welcome bonus · AED 1m+ balance mode
WebsiteVisit Emirates NBD Skywards Visa Debit Card credit card website

Welcome offer

25,000 Skywards Miles

after payment of the joining fee

The published product page awards 25,000 Skywards Miles after the joining fee is paid.

See full breakdown

Rewards

4Skywards Miles/USD

maximum on eligible domestic spend

Earn 2 Miles per USD with AED 500,000–999,999 and 4 with AED 1,000,000 or more. Selected local categories earn a reduced portion of the tier rate.

See full breakdown

5Skywards Miles/USD

maximum on eligible international and Emirates spend

Earn 2.5 Miles per USD with AED 500,000–999,999 and 5 with AED 1,000,000 or more.

See full breakdown

Rewards Calculator

Find your match

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Answer a few quick questions and we'll match you to your best-fit UAE credit card — then help you check you qualify before you apply.

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Eligibility

18

Minimum Age

AED 500,000 minimum opening balance

The account FAQ states this opening balance for new applicants.

Documents ready

Emirates ID and identity documents

Have your Emirates ID and any identity documents requested by the provider ready. Identity verification and KYC checks still apply.

Offers

See all 842
Lifestyle

Merchant

Grand Flora Spa Ladies Salon

Enjoy 15% off on spend of AED 150 and above

Valid until 1 Sep 2026
View offer
Entertainment

Merchant

Just Padel Kite Beach

25% off

Valid until 1 Sep 2026
View offer
Entertainment

Merchant

Just Padel Marina Mall AUH

25% off

Valid until 1 Sep 2026
View offer
Entertainment

Merchant

Just Padel Mina Rashid

Score 25% off at Just Padel Mina Rashid courts.

Valid until 1 Sep 2026
View offer

Additional Benefits

Unlimited LoungeKey Access

Unlimited visits for the cardholder

Participating LoungeKey lounges are included; each guest costs USD 27 and access remains subject to LoungeKey terms.

See full breakdown

Four Airport Drops

Four complimentary airport departure drops each year

The relevant ticket must be purchased with an Emirates NBD card. Book at least 48 hours ahead; confirmation remains subject to availability.

See full breakdown

Fees

2,625AED

Joining Fee

2,520AED

Annual Fee

Billed as AED 210 each month.

210AED

Monthly Account Fee

Equivalent to AED 2,520 for a full year.

Card ReplacementFree
Supplementary CardFree
International Fee — non-AED1.99%*

*The current schedule lists 1.99% in addition to approximately 1.15% Visa processing and any acquirer markup.

AED-Abroad Transaction Fee1.99%*

*The current schedule lists 1.99% in addition to approximately 1.15% Visa processing and any acquirer markup.

ENBD ATM WithdrawalFree
Other UAE ATM WithdrawalFree*

*Free for Priority Banking customers under the current schedule.

GCC ATM WithdrawalFree
International ATM WithdrawalFree
International Card DeliveryAED 157.5
Early Account ClosureAED 105*

*Applies when the account is closed within six months of opening.

Lounge GuestAED 27

Important Stuff

Skywards Savings Account Visa Debit Card Terms

Opens in a new tab

Emirates NBD Priority Banking Schedule of Charges

Opens in a new tab

Skywards Savings Account Visa Debit Card

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about Emirates NBD Skywards Visa Debit Card credit card

Emirates NBD's current FAQ states a minimum opening balance of AED 500,000. The calculator therefore starts at the AED 500,000 tier even though the published earn table also displays a lower balance band.

The published cap is 50,000 Miles for the AED 500,000–999,999 balance tier and 83,333 Miles for AED 1,000,000 or more.

At AED 500,000–999,999 average balance, eligible domestic spend earns 2 Miles per USD and international or Emirates spend earns 2.5. At AED 1,000,000 or more, those rates rise to 4 and 5.

The current Priority Banking schedule lists an AED 2,625 joining fee and an AED 2,520 annual account fee, billed at AED 210 per month.

The base modeled bonus is 25,000 Skywards Miles after paying the joining fee. A separate conditional balance-at-month-three tranche is not included in the calculator.

Yes. Emirates NBD publishes unlimited LoungeKey access for the cardholder and four complimentary airport departure drops per year. Lounge guests cost USD 27 each.

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