Skywards Signature Credit Card review
Spending USD 1 on Emirates or flydubai earns 1.5 Skywards Miles, with 1.10 miles on international purchases and 0.75 miles domestically, tapering to lower rates on grocery, fuel and government spend. ATM withdrawals, balance transfers and cash advances are excluded from earning, and miles redeem on emirates.com for flights, upgrades and partner rewards.
The card carries unlimited access to more than 1,000 airport lounges for the cardholder and one guest, though only the first visit each year is complimentary before a small foreign-currency spend applies. Monthly valet parking, up to two Marhaba Meet & Greet services a year, travel takaful, purchase protection and extended warranty add practical value.
At an AED 735 annual fee, it appeals to Emirates travellers who want the airline's miles and generous lounge access at a lighter cost than the Infinite, accepting slower earn rates and no complimentary tier status in return.
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 12,000 |
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| Annual fee | AED 735 |
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| Fee waiver | Annual fee of AED 735 (VAT inclusive); waiver conditions are not confirmed on the official page. |
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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: 1.5 miles on Emirates/flydubai; 1.10 miles on international spend; 0.75 miles on domestic spend; 0.38 miles on grocery and supermarket; 0.19 miles on fuel, telecom and real estate; 0.11 miles on government, utilities and education.ATM withdrawals, balance transfers and cash advances earn no miles. Redeem miles on emirates.com for flights, upgrades and partner rewards. |
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| Welcome bonus | Not specified on official page |
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| Lounge access | Unlimited access to 1,200+ airport lounges worldwide for you and one guest |
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| Quick cash | Cash advance available. |
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| Balance transfer | Balance transfer facility available. |
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| Instalment plan | 0% Easy Payment Plans. |
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Welcome bonus: Not specified on official page
Skywards Signature Credit Card benefits
✓1.5 Skywards Miles per USD on Emirates and flydubai spend
✓Unlimited access to 1,000+ lounges with one guest
✓1 complimentary valet parking session monthly on AED 3,000 spend
✓Up to 2 Marhaba Meet & Greet services per year on AED 3,000 spend
✓Travel takaful, purchase protection and extended warranty
Offers and payment options
Quick cashCash advance available.
Balance transferBalance transfer facility available.
Instalment plan0% Easy Payment Plans.
Skywards Signature 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 fits Emirates flyers who want miles and lounge access at a mid-tier annual fee.
What works well
- ✓Lower annual fee than the Infinite
- ✓Solid Emirates miles earn
- ✓Unlimited lounge access with a guest
What to weigh up
- −Lower earn rates than the Infinite across every category
- −No complimentary tier status
Skywards Signature Credit Card eligibility
Salaried UAE residents; minimum salary not confirmed on the official page (approximately AED 15,000 per third-party source).
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Skywards Signature Credit Card FAQs
Salaried UAE residents; minimum salary not confirmed on the official page (approximately AED 15,000 per third-party source).
The listed annual fee is AED 735. Annual fee of AED 735 (VAT inclusive); waiver conditions are not confirmed on the official page.
Per USD 1 spent: 1.5 miles on Emirates/flydubai; 1.10 miles on international spend; 0.75 miles on domestic spend; 0.38 miles on grocery and supermarket; 0.19 miles on fuel, telecom and real estate; 0.11 miles on government, utilities and education.
This card fits Emirates flyers who want miles and lounge access at a mid-tier annual 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.
