Emirates NBD · UAE CARD REVIEW

Skywards Signature Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 12,000

Annual fee

AED 735

Bank FX charge

1.99%; scheme fees may apply

Monthly interest rate

3.69%

Reward programme

Emirates Skywards

Salary transfer required

No published requirement

Product hero lists 0.37 miles/USD for EU/UK, while the dedicated current earning table and the same product explanation specify 50% of international rate, i.e. 0.5. The forecast assumes non-EU/UK and flags this conflict.

Cashback or points earning rules, thresholds and caps

0.75 Skywards miles per USD equivalent on eligible general domestic retail; 1 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 0 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

WELCOME OFFERUp to 40,000 welcome Skywards milesNo stated deadline

Conventional banking

Emirates NBDBANK-SOURCED

Skywards Signature Credit Card

Dirham Score 2.3/5100% data coverage · editorial methodHow this score works

• + Published first-year fee waiver
• + Published airport lounge benefit
• + Published golf privilege

• − Reward estimate has stated exclusions
• − Bank FX charge 1.99%; scheme charges may apply

Min. salary: AED 12,000

Groceries · points rewards School Fees · points rewardsCinema BOGOLounge access

Annual fee AED 735Renewal fee from year two

ESTIMATED FIRST-YEAR VALUE

AED 0

Partial estimate · see details

View breakdown

Regular welcome+ AED 825

Promotional booster+ AED 0

Annual rewards+ AED 693.12

Fee waiver+ AED 735

Joining-fee refund+ AED 0

Annual fee− AED 735

Joining / plan fees− AED 1,573.95

Actual modelled netAED -55.83

Costs exceed estimated rewards; headline is floored at zero.

Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.

Calculation assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

Product hero lists 0.37 miles/USD for EU/UK, while the dedicated current earning table and the same product explanation specify 50% of international rate, i.e. 0.5. The forecast assumes non-EU/UK and flags this conflict.

0.75 Skywards miles per USD equivalent on eligible general domestic retail; 1 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.

Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.

Monthly interest rate: 3.69%. Bank FX charge: 1.99%.

15,000 miles after joining-fee payment; another 15,000 after USD 10,000 retail spend in the first three billing statements. A separate 10,000 requires USD 3,750 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.

Joining fee AED 1,573.95 applies in year one; renewal annual fee AED 735.

Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.

ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.

Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.

Paid Express Miles programme is excluded.

Official bank source · checked 2026-10-18

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Skywards earning and bank conversion rate

Skywards programme terms

Lounge qualification

Golf terms

Cinema terms

Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source

Published welcome offer

Up to 40,000 welcome Skywards miles

Separate joining-fee, general-spend and Emirates-purchase stages. No current application end date published on the product page.

No stated deadline

• Pay applicable joining fee for 15,000 miles.
• USD 10,000 retail spend in first three billing statements for 15,000 additional miles.
• USD 3,750 at emirates.com / Emirates UAE sales offices in first twelve billing statements for 10,000 further miles, excluded from generic forecast.
• Not a renewal/replacement-card bonus; active, non-delinquent card required. Ninety days is a forecast approximation, not a replacement for the bank billing-statement deadline.

Counted once in regular welcome value when qualifying conditions are met.

Official offer terms

Emirates NBD

Skywards Signature Credit Card

Regular welcome offer

15,000 miles after joining-fee payment; another 15,000 after USD 10,000 retail spend in the first three billing statements. A separate 10,000 requires USD 3,750 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Qualifying welcome value: AED 825.

Published welcome offer

Up to 40,000 welcome Skywards miles

Separate joining-fee, general-spend and Emirates-purchase stages. No current application end date published on the product page.

No stated deadline

• Pay applicable joining fee for 15,000 miles.
• USD 10,000 retail spend in first three billing statements for 15,000 additional miles.
• USD 3,750 at emirates.com / Emirates UAE sales offices in first twelve billing statements for 10,000 further miles, excluded from generic forecast.
• Not a renewal/replacement-card bonus; active, non-delinquent card required. Ninety days is a forecast approximation, not a replacement for the bank billing-statement deadline.

Counted once in regular welcome value when qualifying conditions are met.

Official offer terms

Fees, rewards & eligibility

Product hero lists 0.37 miles/USD for EU/UK, while the dedicated current earning table and the same product explanation specify 50% of international rate, i.e. 0.5. The forecast assumes non-EU/UK and flags this conflict.

0.75 Skywards miles per USD equivalent on eligible general domestic retail; 1 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.

Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.

Monthly interest rate: 3.69%. Bank FX charge: 1.99%.

15,000 miles after joining-fee payment; another 15,000 after USD 10,000 retail spend in the first three billing statements. A separate 10,000 requires USD 3,750 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.

Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.

Joining fee AED 1,573.95 applies in year one; renewal annual fee AED 735.

Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.

ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.

Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.

Paid Express Miles programme is excluded.

Official bank source · checked 2026-10-18

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Skywards earning and bank conversion rate

Skywards programme terms

Lounge qualification

Golf terms

Cinema terms

Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
• Cinema: Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply.
• Valet: No published benefit verified
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• Joining fee AED 1,573.95 applies in year one; renewal annual fee AED 735.
• Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.
• ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.
• Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.
• Paid Express Miles programme is excluded.

Official bank sources and application information

• Skywards Signature Credit Card official product terms
• Emirates NBD: Credit card price guide (VAT inclusive)
• Emirates NBD: Credit card KFS (August 2026)
• Emirates NBD: Skywards earning and bank conversion rate
• Emirates NBD: Skywards programme terms
• Emirates NBD: Lounge qualification
• Emirates NBD: Golf terms
• Emirates NBD: Cinema terms
• Skywards Signature Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.