Emirates Skywards
Emirates Skywards is the loyalty programme of Emirates and flydubai. UAE co-branded credit cards from Emirates NBD, Emirates Islamic, HSBC, Dubai Islamic Bank and ADIB earn miles directly.
Compare earning on your everyday purchases, airline bookings and foreign-currency spending. Then check the recurring fee, eligibility and conditions for benefits and welcome offers.
How Skywards works
Emirates Skywards is Emirates' (and flydubai's) frequent-flyer programme. Co-branded UAE credit cards credit Skywards Miles directly to your account every month based on your card spend — no separate transfer step. The earn rate (miles per AED spent) and the redemption value (AED per mile) are two different numbers: a card's "earn X Miles per AED" headline only turns into real money once you redeem those Miles, and the value you get back depends heavily on how you redeem them.
The Skywards card ladder
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | AED 1,050 | AED 10,000 | AED 10,000 salary at approved employers; AED 12,500 elsewhere |
 | AED 2,625 | AED 30,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 525 | AED 10,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 735 | AED 15,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 1,575 | AED 20,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 1,575 | AED 5,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 4,725 | AED 5,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
 | AED 1,575 | AED 30,000 | Up to 150,000 welcome Skywards Miles, then direct Skywards earning with separate Emirates, international and everyday spending rates |
 | AED 735 | AED 12,000 | Direct Skywards earning with a lower recurring fee than ENBD Infinite |
 | AED 5,775 | AED 12,000 | Premium Islamic Skywards card; compare its fee and qualifying travel benefits |
 | AED 2,100 | AED 12,000 | Islamic Skywards card with category-specific earning rates |
 | AED 735 | AED 12,000 | Signature-tier Islamic card earning Skywards Miles directly |
 | AED 735 | AED 15,000 | Liv reward points redeemable as cashback or Skywards Miles; higher miles cap than Liv Cashback |
 | Free | AED 5,000 | No annual fee; Liv reward points redeemable as cashback or Skywards Miles |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,050 | AED 10,000 | AED 10,000 salary at approved employers; AED 12,500 elsewhere |
| AED 2,625 | AED 30,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 525 | AED 10,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 735 | AED 15,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 1,575 | AED 20,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 1,575 | AED 5,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 4,725 | AED 5,000 | Direct Skywards Miles with separate local, foreign and reduced-category earning |
| AED 1,575 | AED 30,000 | Up to 150,000 welcome Skywards Miles, then direct Skywards earning with separate Emirates, international and everyday spending rates |
| AED 735 | AED 12,000 | Direct Skywards earning with a lower recurring fee than ENBD Infinite |
| AED 5,775 | AED 12,000 | Premium Islamic Skywards card; compare its fee and qualifying travel benefits |
| AED 2,100 | AED 12,000 | Islamic Skywards card with category-specific earning rates |
| AED 735 | AED 12,000 | Signature-tier Islamic card earning Skywards Miles directly |
| AED 735 | AED 15,000 | Liv reward points redeemable as cashback or Skywards Miles; higher miles cap than Liv Cashback |
| Free | AED 5,000 | No annual fee; Liv reward points redeemable as cashback or Skywards Miles |
HSBC Emirates Skywards Signature Credit Card
Annual feeAED 1,050
Min. salaryAED 10,000
HighlightAED 10,000 salary at approved employers; AED 12,500 elsewhere
HSBC Emirates Skywards Infinite Credit Card
Annual feeAED 2,625
Min. salaryAED 30,000
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
DIB Emirates Skywards Platinum Covered Card
Annual feeAED 525
Min. salaryAED 10,000
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
DIB Emirates Skywards Signature Covered Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
DIB Emirates Skywards Infinite Covered Card
Annual feeAED 1,575
Min. salaryAED 20,000
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
ADIB Emirates Skywards Visa Signature Covered Card
Annual feeAED 1,575
Min. salaryAED 5,000
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
ADIB Emirates Skywards Visa Infinite Covered Card
Annual feeAED 4,725
Min. salaryAED 5,000
HighlightDirect Skywards Miles with separate local, foreign and reduced-category earning
ENBD Skywards Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightUp to 150,000 welcome Skywards Miles, then direct Skywards earning with separate Emirates, international and everyday spending rates
ENBD Skywards Signature Credit Card
Annual feeAED 735
Min. salaryAED 12,000
HighlightDirect Skywards earning with a lower recurring fee than ENBD Infinite
Emirates Islamic Skywards Black Credit Card
Annual feeAED 5,775
Min. salaryAED 12,000
HighlightPremium Islamic Skywards card; compare its fee and qualifying travel benefits
Emirates Islamic Skywards Infinite Credit Card
Annual feeAED 2,100
Min. salaryAED 12,000
HighlightIslamic Skywards card with category-specific earning rates
Emirates Islamic Skywards Signature Credit Card
Annual feeAED 735
Min. salaryAED 12,000
HighlightSignature-tier Islamic card earning Skywards Miles directly
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightLiv reward points redeemable as cashback or Skywards Miles; higher miles cap than Liv Cashback
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightNo annual fee; Liv reward points redeemable as cashback or Skywards Miles
Ways to transfer into Skywards
Reviewed routes are grouped by what actually happens: converting another rewards currency or moving an existing balance between linked loyalty accounts.
Convert rewards into Skywards
Bank and partner rewards become a different currency. The final rate combines every reviewed step in the route.
| Rewards route | Transfer type | Final rate |
|---|---|---|
| ADCB TouchPoints | Points conversionDirect | 22 points → 1 Skywards Mile |
| EI SmartMiles | Points conversionDirect | 10 miles → 1 Skywards Mile |
| ENBD Plus Points | Points conversionDirect | 1 point → 7 Skywards Miles |
| FAB Rewards | Points conversionDirect | 16 points → 1 Skywards Mile |
| Marriott Bonvoy Points | Points conversionDirect | 3 points → 1 mile |
| Mashreq Vantage Points | Points conversionDirect | 32 points → 1 Skywards Mile |
| Rewards route | Transfer type | Final rate |
|---|---|---|
| ADCB TouchPoints | Points conversionDirect | 22 points → 1 Skywards Mile |
| EI SmartMiles | Points conversionDirect | 10 miles → 1 Skywards Mile |
| ENBD Plus Points | Points conversionDirect | 1 point → 7 Skywards Miles |
| FAB Rewards | Points conversionDirect | 16 points → 1 Skywards Mile |
| Marriott Bonvoy Points | Points conversionDirect | 3 points → 1 mile |
| Mashreq Vantage Points | Points conversionDirect | 32 points → 1 Skywards Mile |
What your Skywards balance is worth
What your points are worth
Program
Skywards Miles
2,204AED
50,000 miles via Emirates / flydubai flights
Redeem for Emirates and flydubai award flights, cabin upgrades, Emirates Skywards partner travel
Based on the issuer’s published redemption rate; catalogue pricing and availability can still vary.
Use Skywards Miles for eligible Emirates, flydubai and partner rewards. Flight and upgrade prices depend on the itinerary and availability. See the miles calculator and valuation methodology for Kredit's flight-value comparison.
Why Skywards cards are worth it
1.
Direct earning
Co-branded cards credit miles to your linked Skywards account. Liv offers a separate route through reward-point redemption in its app.
2.
Different rates for different purchases
Airline bookings, overseas payments and reduced merchant categories can earn different amounts. Compare the categories you use.
3.
Choose rewards you can use
Check reward availability for your intended trip before choosing a card for its miles. Compare recurring fees separately from one-time welcome offers.
Skywards credit cards
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Up to 40,000 bonus Miles
- 1.5 Miles/USD on Emirates
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Up to 150,000 bonus Miles
- Skywards Silver membership
EMIRATES ISLAMIC
Emirates Islamic Skywards Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 735
- Up to 1.5 Skywards Miles per USD spent
- 1 complimentary airport lounge visit yearly, with a guest
- 1 complimentary valet parking monthly
EMIRATES ISLAMIC
Emirates Islamic Skywards Infinite Credit Card
- Salary: AED 12,000+
- Up to 2 Skywards Miles per USD spent
- 2 complimentary airport lounge visits yearly, with a guest
- Automatic Skywards Silver Membership Upgrade
EMIRATES ISLAMIC
Emirates Islamic Skywards Black Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
HSBC
HSBC Emirates Skywards Signature Credit Card
- Salary: AED 10,000+
- Direct Skywards Miles
- Annual fee: AED 1,050
HSBC
HSBC Emirates Skywards Infinite Credit Card
- Salary: AED 30,000+
- Direct Skywards Miles
- Annual fee: AED 2,625
DUBAI ISLAMIC BANK
DIB Emirates Skywards Platinum Covered Card
- Salary: AED 10,000+
- Direct Skywards Miles
- Annual fee: AED 525
DUBAI ISLAMIC BANK
DIB Emirates Skywards Signature Covered Card
- Salary: AED 15,000+
- Direct Skywards Miles
- Annual fee: AED 735
DUBAI ISLAMIC BANK
DIB Emirates Skywards Infinite Covered Card
- Salary: AED 20,000+
- Direct Skywards Miles
- Annual fee: AED 1,575
ABU DHABI ISLAMIC BANK (ADIB)
ADIB Emirates Skywards Visa Signature Covered Card
- Salary: AED 5,000+
- Direct Skywards Miles
- Annual fee: AED 1,575
ABU DHABI ISLAMIC BANK (ADIB)
ADIB Emirates Skywards Visa Infinite Covered Card
- Salary: AED 5,000+
- Direct Skywards Miles
- Annual fee: AED 4,725
Emirates Skywards — FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE