Emirates NBD Skywards Infinite
Earn 30,000 bonus Skywards Miles
at Emirates NBD’s secure site
Terms & conditions apply. See rates & fees.
Rewards rate
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“If you fly Emirates even a handful of times a year, this is the easiest premium card to justify in the UAE — unlimited lounge access and the 8x earn rate alone cover the fee. Just reassess before year two if your travel drops off.”
Earning and redeeming Skywards Miles
The Skywards Infinite earns miles directly into your Emirates Skywards account — no transfers, no sweep dates. The headline rate is 8x on Emirates flights booked through Emirates NBD, with 4x on international spend and 3x on dining and supermarkets in the UAE.
Yajool values Skywards Miles at roughly AED 0.06 each based on economy and Business Saver redemptions out of Dubai, which makes the 30,000-mile welcome bonus worth about AED 1,800. Upgrades from economy to business on medium-haul routes are consistently the highest-value use.
Related: Getting started with points and miles in the UAE
Rates and fees
- Annual fee
- AED 0 first year, then AED 900 from year two
- Welcome bonus
- 30,000 Skywards Miles after spending AED 5,000 in the first 90 days
- Interest rate
- 3.5% per month (42% p.a. variable) on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Minimum salary
- AED 15,000 per month
- Foreign transaction fee
- 0% processing markup on international spend
- Cash advance fee
- 3% of the amount (minimum AED 99)
- Late payment fee
- AED 230
- Supplementary cards
- Free — up to 4, with shared lounge access
- Card network
- Visa Infinite
Rates shown are indicative and verified against Emirates NBD’s published schedule of charges on July 15, 2026. Always confirm on the issuer’s site before applying.
Card benefits
Unlimited lounge access
Complimentary entry for the cardholder at 1,000+ lounges worldwide, including Marhaba lounges across the UAE.
Multi-trip travel insurance
Covers trip delays, lost baggage and medical emergencies for you and your family when tickets are bought on the card.
Airport & mall valet
Complimentary valet parking at major malls and airports in Dubai and Abu Dhabi, several times a month.
BOGO cinema & dining
Buy-one-get-one offers at cinemas and partner restaurants through the Emirates NBD lifestyle programme.
Golf & leisure
Up to 50% off green fees, spa days and leisure experiences at partner venues across the GCC.
Visa Infinite concierge
24/7 concierge for bookings, gifts and travel plans, plus Visa Infinite hotel and car-rental privileges.
Pros and cons
- First-year annual fee waived (AED 900 value)
- Tiered welcome bonus worth up to 65,000 Skywards Miles
- Unlimited lounge access via Visa Airport Companion
- Strong earning on Emirates flights
- Complimentary golf, cinema and valet benefits
- Skywards Silver tier while the card is active
- Clear, transparent minimum salary requirement
- Annual fee becomes AED 900 after the first year
- Best value depends on flying Emirates frequently
- Rewards are less flexible than transferable bank points
- Monthly earning capped at 5,000 bonus miles
- AED 15,000 minimum salary excludes some applicants
- Interest applies if you carry a balance — pay in full to avoid
Is it right for you?
Get this card if
- You fly Emirates at least a few times a year and hold a Skywards account.
- You spend regularly on dining, supermarkets or international purchases.
- You’ll actually use lounge access, valet and the lifestyle offers.
Consider skipping it if
- You earn under the AED 15,000 monthly salary requirement.
- You rarely fly Emirates — a cashback or flexible-rewards card will return more.
- You carry a balance month to month; the 3.5% monthly rate will erase any rewards value.
Alternatives to consider
Flat cashback on everything with no travel homework — better if your spending stays inside the UAE.
Best cashback cards →No annual fee in any year with solid everyday rewards — the low-maintenance keeper card.
Best no-annual-fee cards →The Abu Dhabi mirror image: Etihad Guest Miles, lounge access and a Sharia-compliant structure.
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 do I need to be eligible?+
A minimum monthly salary of AED 15,000 and a good AECB credit history. Both salaried and self-employed UAE residents can apply; Emirates NBD may ask for bank statements if your salary isn’t transferred to them.
Is the annual fee really waived?+
Yes — the AED 900 fee is waived for your first year. It applies from year two, so set a reminder to reassess the card against your travel before renewal.
How quickly do I get the welcome bonus?+
Spend AED 5,000 in the first 90 days and the 30,000 bonus Skywards Miles typically post to your Skywards account within 60 days of meeting the threshold.
Do Skywards Miles expire?+
Skywards Miles generally expire three years after they’re earned, on your birthday month. Flying Emirates or holding elite status can extend them — factor this in before stockpiling.
Are there foreign transaction fees?+
No processing markup on international spend — and overseas purchases earn 4x miles, which makes this one of the better UAE cards to travel with.
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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.