ADIB Emirates Skywards Visa Signature: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 1.9/590% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Explore all ADIB cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Partial rewards model: Earn Skywards Miles on eligible purchases. Specified merchant categories and EEA transactions receive lower rates. Merchant exclusions, caps and scheme conditions apply. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 1,575
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- 3.75%
- Reward programme
- Emirates Skywards
- Salary transfer required
- No published requirement
No ongoing waiver verified.
Cashback or points earning rules, thresholds and caps
Earn Skywards Miles on eligible purchases. Specified merchant categories and EEA transactions receive lower rates.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 0.06793478260869565 points per AED | Shared/general conditions | 0 |
| School Fees | 0.06793478260869565 points per AED | Shared/general conditions | 0 |
| Utilities | 0.06793478260869565 points per AED | Shared/general conditions | 0 |
| Fuel | 0.06793478260869565 points per AED | Shared/general conditions | 0 |
| International Spend | 0.4076086956521739 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED -543.75 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.
Partial rewards model: Earn Skywards Miles on eligible purchases. Specified merchant categories and EEA transactions receive lower rates. Merchant exclusions, caps and scheme conditions apply.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
ADIB Emirates Skywards Visa Signature
Dirham Score 1.9/590% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
No ongoing waiver verified.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,031.25
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Actual modelled netAED -543.75
Costs exceed estimated rewards; headline is floored at zero.
Partial rewards model: Earn Skywards Miles on eligible purchases. Specified merchant categories and EEA transactions receive lower rates. Merchant exclusions, caps and scheme conditions apply.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Emirates Skywards Visa Signature review and fee maths
Earn Skywards Miles on eligible purchases. Specified merchant categories and EEA transactions receive lower rates.
No cinema benefit verified. · Global lounge access through Visa Airport Companion; registration and activation requirements apply.
Monthly profit rate: 3.75%. Bank FX charge: Confirm with bank.
Partial rewards model: Earn Skywards Miles on eligible purchases. Specified merchant categories and EEA transactions receive lower rates. Merchant exclusions, caps and scheme conditions apply.
The annual fee includes 5% VAT. No minimum salary was verified in the official product material.
The bank uses an AED 3.68 earning denominator. Specific merchants earn 0.25 miles per AED 3.68, and EEA spending earns a reduced rate.
Official bank source · checked 2026-10-22Current ADIB Skywards catalogue
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Global lounge access through Visa Airport Companion; registration and activation requirements apply.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The annual fee includes 5% VAT. No minimum salary was verified in the official product material.
- The bank uses an AED 3.68 earning denominator. Specific merchants earn 0.25 miles per AED 3.68, and EEA spending earns a reduced rate.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
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Compare ADIB Emirates Skywards Visa Signature with ADIB Emirates Skywards Visa InfiniteOfficial bank sources and application information
- ADIB Emirates Skywards Visa Signature official product terms
- ADIB: Official product page
- ADIB: Current ADIB Skywards catalogue
- ADIB: ADIB charges
- ADIB Emirates Skywards Visa Signature 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.