Emirates Skywards DIB Infinite Covered Card
Earn up to 75,000 bonus Skywards Miles
at Dubai Islamic Bank's secure site
Sharia-compliant covered card. Terms apply. See rates & fees.
Rewards rate
"If you want Skywards Miles without leaving Islamic banking, this is the card to beat — the Emirates earn rate and Silver tier genuinely match the conventional flagships. Just don't take the marketing at face value: the 75,000-mile bonus takes a balance transfer and USD 20,000 of spend to unlock in full, and at 3.70% the international usage fee claws back a big chunk of what your foreign spend earns."
Earning and redeeming Skywards Miles
Rates are quoted per USD 1 equivalent (about 3.67): 2 Miles on Emirates spend, up to 1.5 on foreign-currency spend and up to 1 on local spend. The carve-outs matter — EEA merchants earn 0.75, and a long list of everyday categories (government, supermarkets, utilities, insurance, cars, education, fuel, real estate, telecom, transport) earns just 0.3 Mile per USD. Government spend stops earning past 25,000 per statement, and DIB-platform bill payments, charity, crypto and money transfers earn nothing.
There's no bank portal or transfer step: Miles post to your Emirates Skywards account within 48 hours, where you spend them on Emirates flights, upgrades and partners. The 12-month complimentary Silver tier stacks on top — Emirates lounge access in Dubai, 12kg extra baggage and free seat selection — and existing Gold or Platinum status is untouched.
Rates and fees
- Annual fee
- 2,625 in year 1, then 1,575 from year 2 onwards (incl. VAT; page advertises 2,500 ex-VAT)
- Welcome offer
- Up to 75,000 bonus Skywards Miles: 25,000 on activation + 25,000 on an 50,000+ balance transfer + 25,000 on USD 20,000 spend in 4 statements
- Profit rate
- Up to 3.69% per month (Salam-based structure, approved by DIB's Sharia committee)
- Minimum salary
- 20,000 per month
- International usage fee
- 3.70% on non- transactions; 3.14% on -denominated transactions processed abroad
- Cash withdrawal fee
- 3.15% of the transaction amount
- Late payment
- 236.25 per instance — a charity donation routed through the bank under Sharia supervision, not bank income
- Minimum payment
- 5% of the principal balance or 100, whichever is higher
- Supplementary cards
- Free
- Card network
- Visa Infinite
Figures verified against DIB's Schedule of Charges (effective 11 Aug 2026, VAT-inclusive) and the DIB Covered Cards Key Facts Statement (Aug 2026). Always confirm on dib.ae before applying.
Card benefits
Skywards Silver for 12 months
Complimentary Silver tier from issuance — Emirates lounge in Dubai, 12kg extra baggage, bonus Miles on Emirates flights and free seat selection.
1,200+ lounges, you + guest
Unlimited worldwide lounge access via Visa Airport Companion. After the first free visit each year, a foreign-currency transaction abroad 15+ days prior is required — else US$32 per visit.
4 free airport transfers
DXB Terminal 3 to Abu Dhabi and back, 4 times a year — conditional on a recent Emirates ticket and 8,000 monthly spend.
US$500,000 travel Takaful
Multi-trip travel and medical cover for you, your spouse and up to 5 children on trips up to 90 days, when tickets are booked on the card.
24/7 Visa Infinite concierge
Hotel bookings, flight reservations and errands through global toll-free numbers, plus medical and legal referral services worldwide.
Visa Luxury Hotel Collection
Member privileges at 900+ luxury hotels: preferential rates, upgrades, free breakfast, VIP status and a US$25 F&B voucher.
Pros and cons
- Up to 75,000 bonus Skywards Miles across activation, balance transfer and spend tiers
- Complimentary Skywards Silver for 12 months — Emirates lounge in Dubai, 12kg extra baggage, free seat selection
- 2 Miles per USD 1 on Emirates spend, with Miles landing straight in your Skywards account
- Sharia-compliant Salam structure, with late payment handled as a charity donation rather than bank income
- 4 free DXB T3–Abu Dhabi airport transfers and US$500,000 travel Takaful cover
- 2,625 first-year fee (incl. VAT), and 1,575 every year after — never waived
- 3.70% international usage fee is roughly double what conventional Skywards co-brands charge
- Everyday categories — supermarkets, fuel, utilities, telecom, education — earn just 30% of the base rate
- "Unlimited" lounge access needs a foreign-currency transaction abroad 15+ days before each visit, else US$32 per entry
- Airport transfers and valet hinge on 8,000 minimum monthly spend and a recent Emirates ticket
Is it right for you?
Get this card if
- You fly Emirates regularly and want your card fully Sharia-compliant — no other Islamic card earns Skywards this hard.
- You can realistically trigger the bonus tranches: an 50,000 balance transfer or USD 20,000 of spend in 4 statements.
- You spend 8,000+ a month anyway, unlocking the transfers, valet and other conditional perks.
Consider skipping it if
- Your spending is mostly supermarkets, fuel and bills — those earn 0.3 Mile per USD, a third of the base rate.
- You spend a lot abroad — the 3.70% international usage fee is roughly double the conventional competition.
- You want a cheap card: 2,625 up front and 1,575 every renewal, with no waiver, is a serious commitment.
Alternatives to consider
Same Islamic Skywards DNA at 735 a year from year two and a 15,000 salary bar — you give up Silver tier, guest lounge access and half the bonus.
Best Emirates Skywards cards →
ENBD's conventional flagship pays up to 100,000 bonus Miles with lifelong Silver tier and a far lower 1.99% FX fee — at an 3,148.95 joining fee and 30,000 salary bar.
Best Emirates Skywards cards →
Emirates Islamic's top Skywards card is the direct Sharia-compliant rival — compare bonus structures and lounge terms before you commit.
Best Islamic credit 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
What is the welcome bonus on the Emirates Skywards DIB Infinite Card?+
Up to 75,000 bonus Skywards Miles: 25,000 on card activation, 25,000 on a balance transfer of AED 50,000 or more (not settled earlier than 6 months), and 25,000 when you spend the equivalent of USD 20,000 or more in the first 4 card statements.
What is the annual fee on the Emirates Skywards DIB Infinite Card?+
AED 2,625 in the first year and AED 1,575 from year two onwards per DIB's Schedule of Charges (VAT-inclusive); the bank's page advertises the ex-VAT figure of AED 2,500. There is no first-year waiver.
Is the Emirates Skywards DIB Infinite Card Sharia-compliant?+
Yes. DIB is a fully Islamic bank and this is a covered card built on the Sharia principle of Salam with an Investment Wakala account, approved by DIB's Internal Sharia Supervision Committee. The monthly profit rate is up to 3.69%, and late payment triggers a charity donation of AED 236.25 rather than a penalty fee to the bank.
What is the minimum salary for the Emirates Skywards DIB Infinite Card?+
AED 20,000 per month.
How many Skywards Miles does the card earn?+
Per USD 1 equivalent spent: 2 Miles on Emirates spend, up to 1.5 Miles on foreign-currency spend, and up to 1 Mile on local spend. EEA merchants earn 0.75 Mile, and everyday categories like supermarkets, fuel, utilities, education and telecom earn a reduced 0.3 Mile. Miles reach your Skywards account within 48 hours.
Does the card include airport lounge access?+
Yes — unlimited access to over 1,200 lounges worldwide for you and a guest through the Visa Airport Companion app. Only the first visit each calendar year is unconditionally free: subsequent visits require a foreign-currency purchase at a merchant outside the UAE at least 15 days beforehand, otherwise US$32 per visit is charged.
Does the card come with Emirates Skywards Silver membership?+
Yes — complimentary Skywards Silver for the primary cardholder, valid 12 months from card issuance. It brings bonus Miles on Emirates flights, 12kg extra baggage, Emirates lounge access at Dubai International and free seat selection. Existing Gold or Platinum tiers are unaffected.
How do the complimentary airport transfers work?+
You get 4 transfers per year between Dubai International Terminal 3 and Abu Dhabi. They're complimentary only if you bought an Emirates ticket on the card within the prior 6 months and maintain AED 8,000 minimum monthly spend — otherwise up to AED 335 (excluding VAT) is billed per ride. Book at least 2 days ahead.
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.