ADIB Emirates Skywards Visa Signature
Earn up to 25,000 bonus Skywards Miles
at ADIB's secure site
Spend threshold applies; Emirates Airlines employees excluded. See rates & fees.
Rewards rate
Unlimited lounge access and Skywards Silver at 1,500 is a genuinely fair trade — this is the ADIB Skywards card most people should actually get. Just budget USD 2,500 of Emirates spend a year to keep Silver, and don't expect the bank to tell you the bonus threshold upfront.
Earning and redeeming Skywards Miles
The card earns Skywards Miles for every 3.68 (about USD 1) of eligible spend: 2.5 Miles with Emirates, flydubai and Emirates Holidays, 1.5 Miles in foreign currency, 1 Mile 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
- 1,500 + 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; 1,500 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 tier
Silver membership from the card issuance date for year one; renew it each year with USD 2,500 (or equivalent) of Emirates Airlines spend within the card year.
Home check-in & airport transfers
Emirates Home Check-in anywhere in Dubai twice a year, plus two Dubai-airport transfers per year from anywhere in the UAE (within city limits).
Valet parking
Free parking twice a month through Valtrans at key UAE locations — just flash your card.
Complimentary golf
Golf for the cardholder at The ELS Golf Club, Dubai and The Abu Dhabi Golf Club — book on 600 543216.
Visa travel cover
Travel inconvenience cover (baggage loss up to USD 3,000, trip cancellation up to USD 7,500) plus travel medical cover for you, your family and helper — provided by Visa.
Pros and cons
- Solid Emirates earn — 2.5 Miles per 3.68 (≈ USD 1) on Emirates, flydubai and Emirates Holidays
- Unlimited worldwide lounge access through the Visa Airport Companion app — rare at this fee level
- Skywards Silver from issuance, renewable with USD 2,500 of Emirates spend a year
- Home check-in and UAE airport transfers, twice a year each
- Sharia-compliant covered card with four free supplementary cards
- 1,500 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 undercuts the foreign-currency earn
- 'Specific categories' earn just 0.25 Miles and ADIB doesn't publish the list
- Welcome-bonus spend threshold is not disclosed, and Silver renewal needs USD 2,500 of Emirates spend a year
Is it right for you?
Get this card if
- You fly Emirates or flydubai a few times a year and want an Islamic card
- Unlimited lounge access matters more to you than headline earn rates
- You'll spend USD 2,500 a year with Emirates to keep Skywards Silver
- You pay your balance in full every month
Consider skipping it if
- You barely fly Emirates — the Silver renewal condition will lapse
- You want a free or first-year-free card
- You want disclosed, guaranteed bonus thresholds before committing
- You might carry a balance — 3.75% a month is punishing
Alternatives to consider
The Infinite version adds a Skywards Gold fast track, higher earn rates, concierge and doubled travel perks — for a steep 4,500 a year.
Best Emirates Skywards cards →
Emirates NBD's Skywards Infinite is the conventional-banking alternative for Emirates flyers, with a tiered welcome bonus and comparable lounge access.
Best Emirates Skywards cards →
ADIB's Cashback Gold keeps the Islamic covered-card structure at a fraction of the fee and pays cash back instead of miles — simpler if you rarely fly.
Best cashback 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 Signature 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 1,500 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: 2.5 Miles with Emirates, flydubai and Emirates Holidays; 1.5 Miles on foreign-currency spend; 1 Mile on local-currency spend; and 0.25 Miles on specific categories defined by the bank.
How do I get the 25,000-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.
How does the Skywards Silver membership work?+
You are upgraded to Skywards Silver from the card issuance date for the first year. To renew Silver in later years you must spend USD 2,500 (or the AED equivalent) on Emirates Airlines within 12 months of issuance or each card anniversary.
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 — confirm your eligibility 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.