HSBC Emirates Skywards Infinite
Earn up to 50,000 bonus Skywards Miles
at HSBC's secure site
Eligibility criteria and terms apply. See rates & fees.
Rewards rate
"Rate for rate, nothing else in the UAE earns Skywards Miles this fast on Emirates bookings, and a Silver tier that actually renews each year is rarer than it should be. But 2,625 every year is a serious toll, and the 0.25x penalty bucket quietly covers most of a household's routine spending — this card rewards flying, not living."
Earning and redeeming Skywards Miles
Earn rates are quoted per USD 1 equivalent (about 3.67): 2.75 Miles on direct bookings with Emirates and flydubai, 1.5 Miles on foreign-currency spend, and 1 Mile on spend anywhere. Watch the penalty bucket — government services, public transport, utilities, telecom, education, real estate, fuel, groceries, supermarkets, insurance and auto dealers all earn just 0.25 Miles per USD 1. Visa alone decides a transaction's category, and one transaction can only earn in one category.
Miles flow to your Emirates Skywards account shortly after each statement — no portal, no transfer step — and redeem with Emirates and flydubai for flights, upgrades, partner airlines, hotels and gift cards. Under the No Miles Expiry terms, card-earned Miles never expire while your card and Skywards account stay open, and the complimentary Silver tier renews every year you keep the card in good standing.
Rates and fees
- Annual fee
- 2,625 including VAT, recurring every year — no first-year waiver
- Welcome offer
- Up to 50,000 bonus Skywards Miles: 20,000 on annual-fee payment + 30,000 for 50,000 eligible spend within 60 days of account opening (offer to 31 Aug 2026)
- Interest rate (APR)
- 44.28% fixed on purchases and cash withdrawals (≈3.69%/month); up to +1%/month while overdue
- Interest-free period
- Up to 56 days on retail spend when the balance is paid in full
- Minimum income
- 30,000 per month; age 21–65; UAE resident — no HSBC account needed
- Foreign transaction fee
- 2.1% incl. VAT on non- spend, plus a Visa scheme fee of up to 1.21%; international transactions billed in still pay 1.05%
- Cash advance fee
- 3.15% of the amount (minimum 105), incl. VAT
- Late payment fee
- 241.50 per instance; over-limit fee 288.75
- Supplementary cards
- Free
- Card network
- Visa Infinite
Rates verified against HSBC's Key Facts Statement (effective 1 July 2026) and Schedule of Services and Tariffs (effective 1 August 2026), both VAT-inclusive. Always confirm on hsbc.ae before applying.
Card benefits
Skywards Silver tier
Complimentary Emirates Skywards Silver soon after your card arrives, renewed every year you meet the card terms — Gold and Platinum members keep their tier.
Unlimited lounge visits
Unlimited airport lounge access via the Visa Airport Companion app. Make one international purchase of USD 1+ 15 days before travel; your first 2 visits a year are exempt from the condition.
USD 500,000 travel insurance
Complimentary multi-trip cover for you and your family on all trips up to 90 days, with an instant certificate of insurance.
2-for-1 cinema
Buy one, get one free at VOX, Reel and Roxy Cinemas when you book online — needs 10,000 card spend to qualify.
Hotel perks
Visa Luxury Hotel Collection upgrades and best-rate guarantees, plus up to 7% back in Booking.com wallet credits on stays booked with the card.
Roaming & airport extras
2GB free Airalo data roaming with 15% off extra packages, up to 30% off YQ Meet & Assist at 450+ airports, and home&Away deals worldwide.
Pros and cons
- Up to 50,000 bonus Skywards Miles — 20,000 on fee payment plus 30,000 for 50,000 spend in 60 days
- Complimentary Skywards Silver tier renewed every year the card stays in good standing
- 2.75 Miles per USD 1 on direct Emirates and flydubai bookings — the top Skywards earn rate in the UAE
- Card-earned Miles never expire while the card and Skywards account stay open
- Unlimited lounge visits, USD 500,000 family travel insurance and free supplementary cards
- 2,625 annual fee every year with no first-year waiver
- 30,000 minimum monthly income excludes most applicants
- Groceries, fuel, utilities, education, government and similar spend earns just 0.25 Miles per USD 1
- 2.1% foreign-currency fee (plus a scheme fee of up to 1.21%) eats into the 1.5x international rate
- 44.28% fixed APR is steep if you ever carry a balance
Is it right for you?
Get this card if
- You book Emirates or flydubai directly several times a year — 2.75x plus Silver tier compounds fast.
- You earn 30,000+ a month and will hit 50,000 spend in 60 days for the full 50,000-Mile bonus.
- You value Miles that never expire and a lounge benefit without a visit cap.
Consider skipping it if
- Most of your spend is groceries, fuel, utilities or school fees — that's the 0.25x bucket.
- You won't recover 2,625 in flights and perks every single year — the Signature is 1,050.
- You ever revolve a balance — 44.28% APR wipes out any Miles value.
Alternatives to consider
Same Skywards engine at 1,050 with a ~ 10,000 salary bar — and an 1,000 online-application cashback that effectively covers year one.
Best Emirates Skywards cards →
Emirates NBD's rival Infinite pays up to 100,000 welcome Miles and lifetime Silver — but with a hefty 3,148.95 joining fee up front.
Best Emirates Skywards cards →
DIB's Skywards Infinite earns the same currency Islamically — worth comparing if conventional interest is a dealbreaker.
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 offer on the HSBC Emirates Skywards Infinite card?+
Up to 50,000 bonus Skywards Miles: 20,000 sign-up Miles when you pay the AED 2,625 annual fee, plus 30,000 Miles when you spend AED 50,000 on eligible purchases within 60 days of account opening. The offer runs to 31 August 2026 and excludes anyone who held a primary HSBC Skywards card in the previous 12 months.
What are the fees on the HSBC Skywards Infinite card?+
AED 2,625 annual fee (inclusive of VAT), recurring every year. The APR is 44.28% fixed on purchases and cash withdrawals, and supplementary cards are free.
What is the minimum salary for the HSBC Skywards Infinite card?+
AED 30,000 per month. You must also be aged 21 to 65 and live in the UAE — you don't need an HSBC bank account to apply.
How many Skywards Miles do I earn per dollar spent?+
2.75 Miles per USD 1 equivalent on direct AED bookings with Emirates and flydubai; 1.5 Miles on foreign-currency spend; 1 Mile on AED spend at home or abroad; and 0.25 Miles on government services, public transport, utilities, telecom, education, real estate, fuel, groceries, supermarkets, insurance and auto dealers.
Does the card include Emirates Skywards Silver status?+
Yes — complimentary Silver tier shortly after you receive the card, renewed every year as long as you meet the card terms. Existing Silver members get an extension, and Gold or Platinum tiers are unaffected.
Does the HSBC Skywards Infinite card include airport lounge access?+
Yes — unlimited lounge visits through the Visa Airport Companion app. You need at least one international purchase of USD 1 or more on the card 15 days before travelling; the first 2 visits each year are exempt from this condition, and later visits are charged to the card if it isn't met.
Do Skywards Miles earned on this card expire?+
No — Miles earned with the card don't expire for as long as your Emirates Skywards account and the credit card remain open, under Emirates Skywards' No Miles Expiry Terms and Conditions.
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.