Skywards Signature Credit Card review
The card earns up to 1.5 Skywards Miles per USD spent, differentiated by merchant category, and caps earning at AED 50,000 of retail spend per billing cycle or the credit limit if lower. Cash advances, fees, exchange houses and online utility payments are excluded.
A welcome Skywards Miles offer is available under the current campaign, and miles redeem for Emirates and flydubai flights, upgrades, hotels and shopping.
Cardholders enjoy unlimited access to more than 1,000 premium lounges across over 300 cities through the Visa Airport Companion programme, making this Signature card a comfortable mid-tier choice for Emirates flyers who want Skywards Miles without the Infinite card's higher salary requirement.
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 12,000 |
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| Annual fee | AED 735 |
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| Fee waiver | Annual fee AED 735 |
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| Joining fee (one-time) | AED 1,573.95 |
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| Interest (monthly) | 3.69% |
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| Reward type | Skywards Miles |
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| Reward rate | Earn up to 1.5 Skywards Miles per USD spentEarning is differentiated by merchant category, up to 1.5 miles per USD. Cash advances, fees, exchange houses and online utility payments are excluded Earning is capped at AED 50,000 of retail spend per billing cycle (or the credit limit if lower) 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 40,000 Skywards Miles: 15,000 on joining fee payment, 15,000 on USD 10,000 spend in first 3 statements, 10,000 on USD 3,750 Emirates spend in first 12 statementsFirst/joining year only | 15,000 Miles on payment of joining fee | 15,000 Miles on minimum USD 10,000 spend within first 3 billing statements | 10,000 Miles on minimum USD 3,750 spend on Emirates website or Emirates sales office in UAE within first 12 billing statements | Bonus credited only after joining fee paid and card activated |
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| Lounge access | Unlimited access to over 1,000 premium lounges in more than 300 cities via the Visa Airport Companion programme |
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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 40,000 Skywards Miles: 15,000 on joining fee payment, 15,000 on USD 10,000 spend in first 3 statements, 10,000 on USD 3,750 Emirates spend in first 12 statements
Terms: First/joining year only | 15,000 Miles on payment of joining fee | 15,000 Miles on minimum USD 10,000 spend within first 3 billing statements | 10,000 Miles on minimum USD 3,750 spend on Emirates website or Emirates sales office in UAE within first 12 billing statements | Bonus credited only after joining fee paid and card activated
Skywards Signature Credit Card benefits
✓Welcome Skywards Miles offer
✓Earn up to 1.5 Skywards Miles per USD spent
✓Unlimited access to over 1,000 premium lounges in 300+ cities
✓Redeem for Emirates and flydubai flights, upgrades and hotels
✓Lower salary entry than the Infinite card
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 Signature Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% 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 a mid-tier Skywards miles card.
What works well
- ✓Up to 1.5 Skywards Miles per USD
- ✓Unlimited premium lounge access
- ✓Lower salary entry than the Infinite card
What to weigh up
- −Lower earn rate and cap than the Infinite card
- −Top rate applies only to select categories
Skywards Signature Credit Card eligibility
Minimum salary of AED 12,000 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 Signature Credit Card FAQs
Minimum salary of AED 12,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 735. Annual fee AED 735
Earn up to 1.5 Skywards Miles per USD spent
This card suits Emirates flyers who want a mid-tier Skywards miles card.
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.
