Emirates Skywards DIB Signature Covered Card review
The card earns 1.5 Skywards Miles per USD equivalent on Emirates spends, up to 1 Mile on other foreign-currency purchases and up to 0.75 Mile on local retail, with everyday categories earning a reduced 0.2 Mile.
Travel perks include eight lounge visits a year across 1,200+ lounges, two annual airport transfers, two monthly valet parkings, USD 500,000 of travel takaful cover and a 0% Easy Payment Plan on Emirates tickets. Complimentary benefits stay active with a AED 5,000 minimum monthly spend.
Up to 30,000 bonus Miles are on offer across activation and an initial balance transfer. The fee is AED 1,575 in year one and AED 735 after, and the covered-card structure means a fixed 3.69% monthly profit rate with no interest-based charges.
Card details
| Bank | DIB |
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| Card type | Travel |
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| Card network | Visa Signature |
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| Co-brand | Emirates Skywards |
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| Minimum salary | AED 15,000 |
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| Annual fee | AED 735 |
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| Fee waiver | First-year fee AED 1,575, then AED 735 (incl. VAT) from the second year onwards |
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| Joining fee (one-time) | AED 1,575 |
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| Interest (monthly) | 3.69% |
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| Reward type | Skywards Miles |
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| Reward rate | Earn 1.5 Skywards Miles per USD equivalent on Emirates spends, up to 1 Mile on other foreign-currency spends and up to 0.75 Mile on local spendsEveryday categories such as government, supermarkets, utilities, insurance, fuel, telecom, transport and education earn 0.2 Mile per USD; EEA spends earn 0.5 Mile. No Miles on utility bills 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 30,000 bonus Skywards Miles15,000 Miles on card activation and 15,000 on a balance transfer of at least AED 30,000 with a 6-month tenure |
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| Lounge access | 8 complimentary visits per year 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 30,000 bonus Skywards Miles
Terms: 15,000 Miles on card activation and 15,000 on a balance transfer of at least AED 30,000 with a 6-month tenure
Emirates Skywards DIB Signature Covered Card benefits
✓Up to 30,000 bonus Skywards Miles
✓8 airport lounge visits per year
✓2 complimentary airport transfers annually
✓2 valet parking services per month
✓Travel takaful cover up to USD 500,000
✓0% payment plan on Emirates tickets
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 Signature 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 regular Emirates travellers on mid-level salaries who want meaningful Miles earning and airport comfort without the Infinite-tier fee.
What works well
- ✓Solid Miles earn for a mid-tier card
- ✓Practical airport package with 8 lounge visits and transfers
- ✓Balance-transfer welcome bonus is easy to trigger
What to weigh up
- −AED 1,575 first-year fee before it settles at AED 735
- −AED 5,000 monthly spend needed for the free benefits
- −Reduced 0.2-Mile earn across everyday categories
Emirates Skywards DIB Signature Covered Card eligibility
Minimum salary of AED 15,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 5,000 keeps the complimentary benefits active
▤Emirates ID▤Passport with residence visa▤Salary certificate or bank statements (last 3-6 months)
Emirates Skywards DIB Signature Covered Card FAQs
Minimum salary of AED 15,000 per month; UAE resident with valid Emirates ID. A minimum monthly spend of AED 5,000 keeps the complimentary benefits active
The listed annual fee is AED 735. First-year fee AED 1,575, then AED 735 (incl. VAT) from the second year onwards
Earn 1.5 Skywards Miles per USD equivalent on Emirates spends, up to 1 Mile on other foreign-currency spends and up to 0.75 Mile on local spends
This card suits regular Emirates travellers on mid-level salaries who want meaningful Miles earning and airport comfort without the Infinite-tier fee.
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.
