Emirates Skywards DIB Infinite Covered Card review
Earning centres on Emirates itself: 2 Skywards Miles per USD equivalent on Emirates purchases, up to 1.5 Miles on other foreign-currency spends and up to 1 Mile on local retail, with reduced 0.3-Mile earning across everyday categories such as supermarkets, fuel and utilities.
The travel package is the headline: complimentary Emirates Skywards Silver membership with a 12kg extra baggage allowance, unlimited access to more than 1,200 lounges, four annual airport transfers between Dubai and Abu Dhabi, monthly valet parking and USD 500,000 of travel takaful cover. A 0% Easy Payment Plan is available on Emirates tickets.
The welcome package can reach 75,000 bonus Miles across activation, balance-transfer and spend milestones. The first-year fee is AED 2,625, easing to AED 1,575 from year two, and as a covered card the structure carries a fixed 3.69% monthly profit rate instead of interest.
Card details
| Bank | DIB |
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| Card type | Travel |
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| Card network | Visa Infinite |
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| Co-brand | Emirates Skywards |
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| Minimum salary | AED 20,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | First-year fee AED 2,625, then AED 1,575 (incl. VAT) from the second year onwards |
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| Joining fee (one-time) | AED 2,625 |
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| Interest (monthly) | 3.69% |
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| Reward type | Skywards Miles |
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| Reward rate | Earn 2 Skywards Miles per USD equivalent on Emirates spends, up to 1.5 Miles on other foreign-currency spends and up to 1 Mile on local spendsGovernment, utilities, supermarkets, insurance, fuel, telecom, transport, education, real estate and automobile categories earn 0.3 Mile per USD; EEA spends earn 0.75 Mile. No Miles on utility bills paid via DIB channels, foreign-currency purchases, money orders, cryptocurrency, prepaid card loads, wire transfers or charity Skywards Miles credit to your Emirates Skywards account and can be redeemed for Emirates flights, upgrades and partner rewards |
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| Welcome bonus | Up to 75,000 bonus Skywards Miles25,000 Miles on card activation; 25,000 on a balance transfer of at least AED 50,000 held for 6 months; 25,000 on spending USD 20,000 equivalent within the first 4 statement cycles |
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| Lounge access | Unlimited complimentary access to 1,200+ airport lounges worldwide; first annual visit free, later visits need a small prior foreign-currency spend |
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| Quick cash | Draw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT) |
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| Balance transfer | Balance transfer facility available with no documentation via online banking |
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| Instalment plan | 0% Easy Payment Plan on Emirates airline tickets; extended payment plans on other retail purchases |
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Welcome bonus: Up to 75,000 bonus Skywards Miles
Terms: 25,000 Miles on card activation; 25,000 on a balance transfer of at least AED 50,000 held for 6 months; 25,000 on spending USD 20,000 equivalent within the first 4 statement cycles
Emirates Skywards DIB Infinite Covered Card benefits
✓Complimentary Emirates Skywards Silver membership
✓Unlimited airport lounge access worldwide
✓Extra 12kg baggage allowance with Silver tier
✓4 complimentary airport transfers annually
✓4 valet parking services per month
✓Travel takaful cover up to USD 500,000
Offers and payment options
Quick cashDraw cash up to 80% of your card limit; cash withdrawal fee AED 94.50 per transaction (incl. VAT)
Balance transferBalance transfer facility available with no documentation via online banking
Instalment plan0% Easy Payment Plan on Emirates airline tickets; extended payment plans on other retail purchases
Emirates Skywards DIB Infinite Covered Card fees & charges
| Annual percentage rate (APR) | Up to 44.28% (3.69% monthly profit rate) |
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| Cash advance fee | AED 94.50 per transaction (incl. VAT) |
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| Late payment fee | No interest-based late fee; a late payment triggers an undertaking to donate AED 236.25 (incl. VAT) to charity |
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| Foreign currency fee | 3.70% of transaction value on non-AED transactions; 3.14% on AED-billed international transactions (incl. VAT) |
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| Card replacement fee | AED 52.50 per request (incl. VAT) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits frequent Emirates flyers with premium salaries who will use Silver-tier privileges, unlimited lounges and the strong Miles earn on airline spend.
What works well
- ✓Skywards Silver membership with baggage and check-in perks
- ✓Unlimited lounge access plus airport transfers
- ✓Up to 75,000 Miles in welcome bonuses
What to weigh up
- −High AED 2,625 first-year fee
- −AED 8,000 monthly spend needed to keep the free benefits
- −Everyday categories earn just 0.3 Mile per USD
Emirates Skywards DIB Infinite Covered Card eligibility
Minimum salary of AED 20,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 8,000 keeps the complimentary benefits active
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Emirates Skywards DIB Infinite Covered Card FAQs
Minimum salary of AED 20,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 8,000 keeps the complimentary benefits active
The listed annual fee is AED 1,575. First-year fee AED 2,625, then AED 1,575 (incl. VAT) from the second year onwards
Earn 2 Skywards Miles per USD equivalent on Emirates spends, up to 1.5 Miles on other foreign-currency spends and up to 1 Mile on local spends
This card suits frequent Emirates flyers with premium salaries who will use Silver-tier privileges, unlimited lounges and the strong Miles earn on airline spend.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
