Skywards Infinite Credit Card review
Every USD 1 spent on Emirates or flydubai earns 2 Skywards Miles, dropping to 1.5 miles on international purchases and 1 mile on domestic and general spend, while grocery, fuel, telecom and government categories earn at reduced rates. ATM withdrawals, balance transfers and cash advances do not earn miles, and credited miles land within two days of billing for redemption on emirates.com.
Beyond the earn rate, cardholders receive complimentary Emirates Skywards Silver status for 12 months, unlimited access to more than 1,200 airport lounges, and lifestyle extras spanning valet parking, golf, meet & greet and a global concierge. Purchase protection, extended warranty and travel takaful round out the package.
With its AED 2,100 annual fee reversible on AED 30,000 of retail spend within 180 days, the card rewards Emirates loyalists who fly and spend regularly, though everyday shoppers will notice the lighter earn on grocery and utility spend.
Card details
| Bank | Emirates Islamic |
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| Card type | Travel |
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| Card network | Visa |
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| Co-brand | Emirates Skywards |
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| Minimum salary | AED 20,000 |
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| Annual fee | AED 2,100 |
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| Fee waiver | Annual fee of AED 2,100 (or an AED 1,048.95 option with a reduced welcome bonus). The Year 1 fee is charged upfront and reversed once you spend AED 30,000 on retail within 180 days. |
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| Interest (monthly) | 3.69% |
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| Reward type | Skywards Miles |
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| Reward rate | Per USD 1 spent: 2 miles on Emirates/flydubai; 1.5 miles on international spend; 1 mile on domestic and general spend; 0.5 miles on grocery and supermarket; 0.25 miles on fuel, telecom and real estate; 0.15 miles on government, utilities, education and takaful.ATM withdrawals, balance transfers and cash advances earn no miles. Emirates and flydubai spend qualifies for the accelerated earn rate. Miles are credited within 2 days of the transaction billing and can be redeemed on emirates.com for flights, upgrades and partner rewards. |
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| Welcome bonus | 20,000 Skywards Miles on payment of the AED 2,100 annual fee (10,000 miles on the AED 1,048.95 option), plus Year-1 fee reversed on AED 30,000 retail spend within 180 days. Valid until 31 August 2026Welcome miles credited on annual membership fee payment | Year-1 fee reversed on AED 30,000 retail spend within 180 days of approval | Offer valid until 2026-08-31 |
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| Lounge access | Unlimited access to 1,200+ airport lounges. |
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| Quick cash | Cash-on-Call facility available. |
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| Balance transfer | Balance transfer facility with no profit charged on transferred balances. |
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| Instalment plan | 0% Easy Payment Plans. |
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Welcome bonus: 20,000 Skywards Miles on payment of the AED 2,100 annual fee (10,000 miles on the AED 1,048.95 option), plus Year-1 fee reversed on AED 30,000 retail spend within 180 days. Valid until 31 August 2026
Terms: Welcome miles credited on annual membership fee payment | Year-1 fee reversed on AED 30,000 retail spend within 180 days of approval | Offer valid until 2026-08-31
Skywards Infinite Credit Card benefits
✓2 Skywards Miles per USD on Emirates and flydubai spend
✓Complimentary Emirates Skywards Silver status for 12 months
✓Unlimited access to 1,200+ airport lounges
✓Complimentary valet parking, golf and meet & greet
✓Global concierge and travel takaful
✓Purchase protection and extended warranty
Offers and payment options
Quick cashCash-on-Call facility available.
Balance transferBalance transfer facility with no profit charged on transferred balances.
Instalment plan0% Easy Payment Plans.
Skywards Infinite Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% (purchase and cash advance) |
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| Cash advance fee | 3.15% of amount or AED 103.95, whichever is higher |
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| Late payment fee | 131.25 |
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| Over-limit fee | 261.45 |
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| Foreign currency fee | 2.54% |
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| Minimum payment | 5% of closing balance or AED 100, whichever is higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 78.75 |
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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 travellers who want fast-tracked Skywards miles alongside complimentary tier status.
What works well
- ✓Top-tier miles earn for Emirates flyers
- ✓Complimentary Skywards Silver tier
- ✓Premium travel and lifestyle benefits
What to weigh up
- −High annual fee of AED 2,100
- −Modest earn on everyday categories such as grocery
Skywards Infinite Credit Card eligibility
Salaried UAE residents; minimum salary approximately AED 25,000 (per third-party source), not confirmed on the official page.
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Skywards Infinite Credit Card FAQs
Salaried UAE residents; minimum salary approximately AED 25,000 (per third-party source), not confirmed on the official page.
The listed annual fee is AED 2,100. Annual fee of AED 2,100 (or an AED 1,048.95 option with a reduced welcome bonus). The Year 1 fee is charged upfront and reversed once you spend AED 30,000 on retail within 180 days.
Per USD 1 spent: 2 miles on Emirates/flydubai; 1.5 miles on international spend; 1 mile on domestic and general spend; 0.5 miles on grocery and supermarket; 0.25 miles on fuel, telecom and real estate; 0.15 miles on government, utilities, education and takaful.
This card suits frequent Emirates travellers who want fast-tracked Skywards miles alongside complimentary tier status.
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.
