Emirates NBD Skywards Infinite
Earn up to 100,000 bonus Skywards Miles
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"For committed Emirates flyers this card is close to a no-brainer: Silver tier alone changes how you travel, and the welcome bonus is one of the biggest in the market. But be honest about the price of admission — 3,148.95 up front is more than most annual fees, and if you only fly Emirates once or twice a year, the Skywards Signature delivers the same earning DNA at half the cost."
Earning and redeeming Skywards Miles
Earn rates are quoted per USD 1 equivalent (about 3.67): 2 Miles with Emirates, Emirates Holidays, flydubai, duty free, online food delivery and car booking apps; 1.5 Miles on international spend; and 1 Mile on domestic spend. Watch the EU/UK carve-out — merchants there earn just 50% of the international rate. Optionally, the Skywards Express Miles subscription ( 250 + VAT monthly, replacing your annual fee) adds 50% more Miles on everything except Emirates transactions.
There's no transfer step or bank portal: Miles post straight to your Emirates Skywards account, where you redeem for Emirates and flydubai flights and upgrades. The complimentary Silver tier stacks on top — Business Class lounge access in Dubai, priority check-in and extra baggage — and per the offer terms it lasts as long as the card, with existing Gold and Platinum tiers unaffected.
Rates and fees
- Joining fee
- 3,148.95, billed in your first statement (incl. VAT)
- Annual fee
- 1,575 from the second year onwards (incl. VAT)
- Welcome offer
- Up to 100,000 bonus Skywards Miles credited on fee payment, plus first-year Rotana Rewards Exclusive membership (first year only)
- Interest rate
- 3.25% per month (39% p.a.) on unpaid balances
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum salary
- 30,000 per month
- Foreign transaction fee
- 1.99% bank fee plus ~1.15% network processing fee on non- spend
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Card network
- Visa Infinite
Rates verified against Emirates NBD's Key Facts Statement (08/2026) and credit-card price guide (Feb 2026), both VAT-inclusive. Always confirm on the issuer's site before applying.
Card benefits
Skywards Silver tier
Complimentary Emirates Skywards Silver for the life of the card — Business Class lounge access in Dubai and priority treatment with Emirates and flydubai.
1,000+ airport lounges
Complimentary lounge access worldwide through the Visa Airport Companion app, on top of the Emirates lounge access from Silver.
Complimentary golf
Free access to top golf courses across the UAE.
Valet parking
Complimentary valet parking at selected locations in Abu Dhabi.
Concierge services
A concierge desk and Visa Infinite digital concierge for errands, bookings and travel arrangements.
2-for-1 cinema
Buy one movie ticket, get the second free on your card.
Pros and cons
- Up to 100,000 bonus Skywards Miles plus first-year Rotana Rewards Exclusive membership
- Automatic Skywards Silver tier — Business Class lounge access and priority perks with Emirates and flydubai
- 2 Miles per USD 1 on Emirates, flydubai, duty free, food delivery and car booking apps
- Lower 3.25% monthly interest rate than most ENBD cards
- Lounge access via Visa Airport Companion, golf, valet parking and concierge on top
- 3,148.95 joining fee — one of the steepest entry costs in the UAE market
- 1,575 annual fee from year two with no first-year-free option
- 30,000 minimum salary shuts out most applicants
- Domestic earn of 1 Mile per USD 1 (~0.27 per ) is modest, and EU/UK spend earns half the international rate
- 1.99% foreign-transaction fee plus a ~1.15% network fee on non- spend
Is it right for you?
Get this card if
- You fly Emirates or flydubai several times a year — Silver tier and 2x Emirates earn compound fast.
- You earn 30,000+ a month and can stomach 3,148.95 up front for 100,000 bonus Miles.
- You want miles landing directly in Skywards with no transfer step or bank portal.
Consider skipping it if
- You fly Emirates once a year or less — the Skywards Signature keeps the same earning structure at half the fees.
- Most of your spend is domestic and everyday — 1 Mile per USD 1 is ordinary, and EU/UK spend earns half the international rate.
- You carry a balance — 3.25% a month erases any miles value fast.
Alternatives to consider
Same Skywards earning DNA at 735 a year with a 12,000 salary bar — you give up Silver tier and the big bonus.
Best Emirates Skywards cards →
First year free, 12x portal earn and flexible Voyager Miles you can use across airlines — better if you're not wedded to Emirates.
Best travel cards →
The Etihad Guest equivalent from the same bank — pick the co-brand that matches the airline you actually fly.
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
What is the welcome offer on the Skywards Infinite card?+
Up to 100,000 bonus Skywards Miles plus a complimentary first-year Rotana Rewards Exclusive membership. Per the offer terms, bonus miles are credited once the joining fee is paid, and the offer applies to the first year only.
What are the fees on the Emirates NBD Skywards Infinite card?+
AED 3,148.95 joining fee, then AED 1,575 annual fee from the second year onwards (both inclusive of VAT). Interest is 3.25% per month.
What is the minimum salary for the Skywards Infinite card?+
You need a minimum monthly salary of AED 30,000 to apply.
How many Skywards Miles do I earn per dollar spent?+
2 Miles per USD 1 equivalent on Emirates, Emirates Holidays, flydubai, duty free, online food delivery and car booking apps; 1.5 Miles on international spend; 1 Mile on domestic spend. EU and UK merchants earn 50% of the international rate.
Does the card include Emirates Skywards Silver membership?+
Yes — complimentary Skywards Silver for the life of the card, including Emirates Business Class lounge access in Dubai. Enrolment or upgrade takes up to 3 weeks after activation and your first transaction; existing Gold and Platinum tiers are unaffected.
Does the Skywards Infinite card include airport lounge access?+
Yes — complimentary access to over 1,000 airport lounges worldwide through the Visa Airport Companion app, on top of the Emirates Business Class lounge access that comes with Silver tier.
What is the Skywards Express Miles programme?+
An optional subscription at AED 250 + 5% VAT per month (AED 262.50) that replaces your annual fee and earns 50% more Skywards Miles on all purchases except Emirates transactions.
Do my Skywards Miles expire?+
Miles are credited to your Emirates Skywards account, so expiry follows Emirates Skywards programme rules rather than the bank's.
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.