Skywards Infinite Credit Card review
The card earns up to 2 Skywards Miles per USD spent, with 2 Miles on grocery, supermarket, fast-food, duty-free, food-delivery and ride apps and 1 Mile on Emirates, flydubai and duty-free. Earning is differentiated by merchant category and capped at AED 100,000 of retail spend per billing cycle, or the credit limit if lower, with cash advances, fees, exchange houses and online utility payments excluded.
A welcome offer of up to 100,000 bonus Skywards Miles is available under the current acquisition campaign, and Miles redeem for Emirates and flydubai flights, upgrades, hotels and shopping.
Complimentary Emirates Skywards Silver membership adds Business Class lounge access and tier recognition, while a reduced 3.25% monthly interest tier trims carrying costs. The card is best suited to Emirates loyalists who want to accelerate Skywards Miles with Silver status.
Card details
| Bank | Emirates NBD |
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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 30,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | Annual fee AED 1,575 (incl. VAT) |
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| Joining fee (one-time) | AED 3,148.95 |
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| Interest (monthly) | 3.25% |
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| Reward type | Skywards Miles |
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| Reward rate | Earn 2 Skywards Miles per USD 1 on Emirates, Emirates Holidays, flydubai, duty free, online food delivery and car booking apps; 1.5 Miles per USD 1 on other international spend; 1 Mile per USD 1 on domestic spendEarning is differentiated by merchant category, with up to 2 miles per USD on select categories and 1 mile per USD on airline and travel spends. Cash advances, fees, exchange houses and online utility payments are excluded Earning is capped at AED 100,000 of retail spend per billing cycle (or the credit limit if lower) Includes complimentary Emirates Skywards Silver membership. Redeem for Emirates and flydubai flights, upgrades, hotels and shopping. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | Up to 100,000 bonus Skywards Miles (per the current acquisition offer)35,000 Miles on payment of joining fee | 40,000 Miles on minimum USD 25,000 spend within first 3 billing statements | 25,000 Miles on minimum USD 7,500 spend on emirates.com or Emirates sales office in UAE within first 12 billing statements | Complimentary Rotana Rewards Exclusive Club Membership (worth AED 1,050) for first year only | Introductory bonus credited only after joining fee paid and card activated; first/joining year only |
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| Lounge access | Business Class lounge access with complimentary Emirates Skywards Silver membership, earning Skywards Miles on your spends |
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| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
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| Balance transfer | Balance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05% |
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Welcome bonus: Up to 100,000 bonus Skywards Miles (per the current acquisition offer)
Terms: 35,000 Miles on payment of joining fee | 40,000 Miles on minimum USD 25,000 spend within first 3 billing statements | 25,000 Miles on minimum USD 7,500 spend on emirates.com or Emirates sales office in UAE within first 12 billing statements | Complimentary Rotana Rewards Exclusive Club Membership (worth AED 1,050) for first year only | Introductory bonus credited only after joining fee paid and card activated; first/joining year only
Skywards Infinite Credit Card benefits
✓Up to 100,000 bonus Skywards Miles welcome offer
✓Earn up to 2 Skywards Miles per USD spent
✓Complimentary Emirates Skywards Silver membership
✓Redeem for Emirates and flydubai flights, upgrades and hotels
✓Reduced 3.25% monthly interest tier
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05%
Skywards Infinite Credit Card fees & charges
| Annual percentage rate (APR) | 39.00% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% |
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| Minimum payment | 5% of the total payment due or AED 100, whichever is higher |
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| Interest-free period | 25 to 55 days from transaction date |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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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 Emirates flyers who want Skywards Miles plus Silver tier benefits.
What works well
- ✓Up to 2 Skywards Miles per USD
- ✓Complimentary Skywards Silver membership
- ✓Reduced 3.25% monthly interest tier
What to weigh up
- −High AED 30,000 salary requirement
- −Monthly earning capped at AED 100,000 of spend
- −Top rate applies only to select categories
Skywards Infinite Credit Card eligibility
Minimum salary of AED 30,000 per month; UAE resident aged 21 or over with a valid Emirates ID
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Skywards Infinite Credit Card FAQs
Minimum salary of AED 30,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 1,575. Annual fee AED 1,575 (incl. VAT)
Earn 2 Skywards Miles per USD 1 on Emirates, Emirates Holidays, flydubai, duty free, online food delivery and car booking apps; 1.5 Miles per USD 1 on other international spend; 1 Mile per USD 1 on domestic spend
This card suits Emirates flyers who want Skywards Miles plus Silver tier benefits.
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.
