ADIB Emirates Skywards Visa Infinite
Earn up to 50,000 bonus Skywards Miles
at ADIB's secure site
Spend threshold applies; Emirates Airlines employees excluded. See rates & fees.
Rewards rate
This is the card for Emirates loyalists who bank Islamic. The earn rates and status perks genuinely rival conventional flagships, and unlimited lounge access for you and a guest is real. But at AED 4,500 a year with no waiver, Gold only after USD 5,000 of Emirates spend, and an undisclosed bonus threshold, you should fly Emirates a lot — and ask ADIB the hard questions — before signing.
Earning and redeeming Skywards Miles
The card earns Skywards Miles for every AED 3.68 (about USD 1) of eligible spend: 3 Miles with Emirates, flydubai and Emirates Holidays, 2 Miles in foreign currency (0.8 in the European Economic Area), 1.5 Miles on local spend, and just 0.25 Miles at supermarkets, government services, utilities, education, petrol stations, real-estate agents, public transport, Salik and charities. Miles post directly to your Emirates Skywards account — no transfers needed.
Redemptions follow Emirates Skywards programme rules — flights and upgrades on Emirates and flydubai are the classic high-value uses. Note that cash withdrawals and broker/dealer-type transactions earn no Miles, and the 2.3% non-AED transaction service fee claws back part of the foreign-spend earn.
Rates and fees
- Annual fee
- AED 4,500 + 5% VAT; no first-year waiver advertised (ADIB's August 2026 Schedule of Charges also lists AED 2,500 without the Gold fast track — confirm with ADIB)
- Monthly profit rate
- 3.75% fixed Murabaha monthly profit (45.63% APR); may be waived fully or partly when you pay in full, at the bank's discretion
- Grace period
- Up to 55 days from the transaction date
- Foreign transaction fee
- 2.3% non-AED transaction service fee, added on top of Visa's exchange rate and fee; AED-priced international transactions carry a 2.75% service fee from 10 Sep 2026 (1.99% before)
- Cash withdrawal fee
- 3% of the amount (minimum AED 99); withdrawals earn no Miles
- Late payment
- AED 100 donation to charity (no VAT) — plus more unwaived profit if you pay less than the balance
- Minimum payment
- 5% of the utilized amount (minimum AED 100) plus any instalment amounts
- Supplementary cards
- First 4 free until further notice; AED 4,500 from the 5th card
- Optional Takaful cover
- 0.77 fils per AED 100 of utilized cover per month (covers death, disability, critical illness, job loss)
- Card replacement
- AED 75 (free if you hand in the damaged card)
Figures from the ADIB Covered Cards Key Facts Statement (V15, April 2026) and Schedule of Charges (V-45, August 2026); 5% VAT applies to fees unless stated otherwise. Verify with ADIB before applying.
Card benefits
Unlimited global lounge access
Unlimited visits to 1,200+ airport lounges worldwide for you and one guest through the Visa Airport Companion (VAC) app.
Skywards Silver, fast track to Gold
Automatic Skywards Silver for the primary cardholder; spend USD 5,000 with Emirates to fast-track to Gold for 12 months, and one supplementary cardholder can follow with another USD 5,000.
Home check-in & airport transfers
Emirates Home Check-in anywhere in Dubai four times a year, plus four Dubai-airport transfers per year from anywhere in the UAE (within city limits).
Valet parking
Free parking four times a month through Valtrans at key UAE locations — just flash your card.
Golf for two
Complimentary golf once a month for the cardholder and a guest at The ELS Golf Club, Dubai and The Abu Dhabi Golf Club — book on 600 543216.
24-hour concierge
A personal travel assistant around the clock, plus Visa-provided travel inconvenience and travel medical cover for you, your family and helper.
Pros and cons
- Strong Emirates earn — 3 Miles per AED 3.68 (≈ USD 1) on Emirates, flydubai and Emirates Holidays
- Unlimited worldwide lounge access for you and a guest through the Visa Airport Companion app
- Automatic Skywards Silver plus a Gold fast track at USD 5,000 of Emirates spend (one supplementary cardholder can follow)
- Emirates Home Check-in and UAE airport transfers, four of each per year
- Sharia-compliant covered card with four free supplementary cards
- AED 4,500 annual fee (plus 5% VAT) with no advertised first-year waiver
- 3.75% fixed monthly Murabaha profit rate (45.63% APR) if you don't pay in full
- 2.3% non-AED transaction service fee eats into the 2-Miles foreign-currency earn
- Supermarkets, utilities, education, fuel, government payments, transport and Salik earn just 0.25 Miles
- Welcome-bonus spend threshold is not disclosed, and Gold needs USD 5,000 of Emirates spend
Is it right for you?
Get this card if
- You fly Emirates or flydubai frequently and want miles without conventional interest
- You'll actually use unlimited lounges, home check-in and airport transfers
- The Skywards Gold fast track is worth real money to your travel pattern
- You pay your balance in full every month
Consider skipping it if
- AED 4,500 + VAT a year is more than the perks you'd realistically use
- You fly a mix of airlines — a flexible-points or cashback card returns more
- You want disclosed, guaranteed bonus thresholds before committing
- You might carry a balance — 3.75% a month is punishing
Alternatives to consider
ADIB's Signature version keeps unlimited lounge access, Skywards Silver and a 25,000-mile bonus for AED 1,500 a year — the smarter pick unless you'll unlock Gold.
Best Emirates Skywards cards →
Emirates NBD's Skywards Infinite offers a similar Emirates-focused package on a conventional card, with a materially lower annual fee.
Best Emirates Skywards cards →
Same Islamic covered-card structure from ADIB, earning Etihad Guest Miles — better if Abu Dhabi is your hub.
Best Etihad Guest cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Is the ADIB Emirates Skywards Visa Infinite Card Sharia-compliant?+
Yes. It is an ADIB covered card — a fully Sharia-compliant structure based on a commodity Murabaha contract, supervised by ADIB's Internal Shari'a Supervisory Committee. It cannot be used for non-Sharia-compliant purchases such as alcohol or gambling.
What is the annual fee?+
AED 4,500 per year plus 5% VAT, per the ADIB product page and Key Facts Statement. No first-year waiver is advertised. ADIB's August 2026 Schedule of Charges also lists AED 2,500 for this card without the Gold fast track, so ask ADIB which fee applies to you.
How many Skywards Miles does the card earn?+
For every AED 3.68 (about USD 1) of spend: 3 Miles with Emirates, flydubai and Emirates Holidays; 2 Miles on foreign-currency spend (0.8 in the European Economic Area); 1.5 Miles on local-currency spend; and 0.25 Miles at supermarkets, government services, utilities, education, petrol stations, real-estate agents, public transport, Salik/road tolls and charities.
How do I get the 50,000-mile welcome bonus?+
The bonus is awarded on your first spend, subject to activation, making your first retail transaction within 30 days of card issuance and meeting a required spend threshold (the threshold amount is not published — confirm with ADIB). Emirates Airlines employees are not eligible.
Does the card include airport lounge access?+
Yes — unlimited access to 1,200+ airport lounges worldwide for you and one guest. Register the card in the Visa Airport Companion (VAC) app and show its QR code at the lounge.
Do I get Emirates Skywards status with this card?+
The primary cardholder gets Skywards Silver. Spend at least USD 5,000 (or the AED equivalent) with Emirates and the primary cardholder is fast-tracked to Gold, valid for 12 months from each activation. One supplementary cardholder can also reach Gold with an additional USD 5,000 of Emirates spend, subject to an AED 4,500 annual fee. Emirates Airlines employees are excluded.
Does this card charge interest?+
No conventional interest. As a covered card it carries a fixed Murabaha monthly profit rate of 3.75% (45.63% APR). When you repay in full, the bank may waive the monthly profit in part or in full through STI account profit and a discretionary bonus — paying only the minimum increases the unwaived profit.
What is the minimum salary required?+
ADIB does not publish a card-specific minimum salary for this card. UAE Central Bank rules require a minimum monthly income of AED 5,000 for any covered card; in practice the bank assesses eligibility for this premium tier — confirm directly with ADIB.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.