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 is real. But at 4,500 a year with no waiver — and with the bonus and Gold fast-track thresholds undisclosed — 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 3.68 (about USD 1) of eligible spend: 3 Miles with Emirates, flydubai and Emirates Holidays, 2 Miles in foreign currency, 1.5 Miles on local spend, and just 0.25 Miles on 'specific categories' the bank defines but doesn't list on the product page. 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- transaction service fee claws back part of the foreign-spend earn.
Rates and fees
- Annual fee
- 4,500 + 5% VAT; no first-year waiver advertised
- 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- transaction service fee, added on top of Visa's exchange rate and fee; -priced international transactions carry a 2.75% service fee from 10 Sep 2026 (1.99% before)
- Cash withdrawal fee
- 3% of the amount (minimum 99); withdrawals earn no Miles
- Late payment
- 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 100) plus any instalment amounts
- Supplementary cards
- First 4 free until further notice; 4,500 from the 5th card
- Optional Takaful cover
- 0.77 fils per 100 of utilized cover per month (covers death, disability, critical illness, job loss)
- Card replacement
- 75 (free if you hand in the damaged card)
Figures from the ADIB Covered Cards Key Facts Statement and Schedule of Charges (V-44, July 2026); 5% VAT applies to fees unless stated otherwise. Verify with ADIB before applying.
Card benefits
Unlimited global lounge access
Unlimited airport lounge visits worldwide through the Visa Airport Companion (VAC) app — download it to see the lounges available to you.
Skywards Silver, fast track to Gold
Automatic Skywards Silver for the primary cardholder; primary and supplementary cardholders can fast-track to Gold upon qualifying spend (threshold not published).
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 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 3.68 (≈ USD 1) on Emirates, flydubai and Emirates Holidays
- Unlimited worldwide lounge access through the Visa Airport Companion app
- Automatic Skywards Silver plus a fast track to Gold for primary and supplementary cardholders
- Emirates Home Check-in and UAE airport transfers, four of each per year
- Sharia-compliant covered card with four free supplementary cards
- 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- transaction service fee eats into the 2-Miles foreign-currency earn
- 'Specific categories' earn just 0.25 Miles and ADIB doesn't publish the list
- Welcome-bonus spend threshold and the Gold fast-track spend requirement are not disclosed
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
- 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 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 Covered Cards Key Facts Statement and Schedule of Charges. No first-year waiver is advertised.
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; 1.5 Miles on local-currency spend; and 0.25 Miles on specific categories defined by the bank.
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 global lounge access. Download the Visa Airport Companion (VAC) app to see and access the lounges available to you worldwide.
Do I get Emirates Skywards status with this card?+
The primary cardholder gets Skywards Silver membership, and both primary and supplementary cardholders can fast-track to Gold tier upon achieving qualifying spend. 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.