Etihad Guest FAB Visa Infinite
First year AED 4,330
Ongoing year AED -1,170
Partial rewards estimate; exclusions apply.
Salary minimum: AED 30,000.
NO PAID RANKINGS · UAE REWARDS1 · FAB 2 · FAB 3 · Emirates Islamic
Best Airline Miles Credit Cards in the UAE (Skywards & Etihad Guest)
Compare airline miles credit cards using source-reviewed UAE bank terms and a common monthly spending profile. The shortlist below shows the highest modelled first-year returns among available cards in this category. It uses AED 10,000 per month across the published benchmark categories; it does not put your entire budget into one category. Minimum salary, employer criteria and credit assessment remain separate from estimated rewards.
First-year net value adds eligible welcome rewards, supported promotional extras and twelve-month spend rewards, then deducts annual fees, joining fees and required plan costs. Category caps, minimum spending gates and any initial earning delay reduce the forecast. Negative results stay visible in the detailed breakdown. Products with unmodelled reward currencies are not promoted as zero-value winners.
Ongoing value removes one-off joining rewards and acquisition charges, restores recurring fees and applies only documented renewal waivers. Borrowing costs, unverified FX charges and subjective lifestyle savings are excluded from this benchmark. Use the focused international spend input below or the full personal selector to compare your actual circumstances. All point valuations and exclusions are explained in the methodology.
Top three by benchmark first-year net value
FAB Etihad Guest Signature Credit Card
First year AED 3,177.5
Ongoing year AED -322.5
Partial rewards estimate; exclusions apply.
Salary minimum: AED 15,000.
Emirates Islamic Skywards Signature Credit Card
First year AED 821.99
Ongoing year AED 821.99
Partial rewards estimate; exclusions apply.
Salary minimum: AED 12,000.
Get three matches for your salary, spending and repayment habits · Read the full net AED calculation
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Change this category independently. Other categories retain their benchmark proportions. The breakdown uses your actual combined inputs.
WELCOME OFFERUp to 100,000 welcome Skywards milesNo stated deadline
Conventional banking
Emirates NBDEMIRATES SKYWARDS
Emirates NBD Skywards Infinite
Dirham Score 2.1/5100% 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
Annual fee AED 1,575Renewal fee from year two
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 1,925
Promotional booster+ AED 0
Annual rewards+ AED 939.13
Fee waiver+ AED 1,575
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Joining / plan fees− AED 3,148.95
Actual modelled netAED -284.82
Costs exceed estimated rewards; headline is floored at zero.
Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.75 miles per USD. Approved credit limit or AED 100,000 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 assumptionsRewards, fees & important conditions
Read the full Emirates NBD Skywards Infinite review and fee maths
1 Skywards miles per USD equivalent on eligible general domestic retail; 1.5 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: 3.25%. Bank FX charge: 1.99%.
35,000 miles after joining-fee payment; another 40,000 after USD 25,000 retail spend in the first three billing statements. A separate 25,000 requires USD 7,500 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 0.75 miles per USD. Approved credit limit or AED 100,000 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 3,148.95 applies in year one; renewal annual fee AED 1,575.
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 2026-10-18Credit card price guide (VAT inclusive)
Skywards earning and bank conversion rate
Original current conventional Emirates NBD Skywards Visa Infinite PNG, downloaded unchanged from the official product page. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
Up to 100,000 welcome Skywards milesSeparate 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 35,000 miles.
- USD 25,000 retail spend in first three billing statements for 40,000 additional miles.
- USD 7,500 at emirates.com / Emirates UAE sales offices in first twelve billing statements for 25,000 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 termsLIMITED-TIME BOOSTUp to 220,000 total Etihad Guest milesEnds 30 Nov
Conventional banking
FABETIHAD GUEST
Etihad Guest FAB Visa Infinite
Dirham Score 2.5/5100% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee AED 2,625
ESTIMATED FIRST-YEAR VALUE
AED 4,330
Partial estimate · see detailsView breakdown
Regular welcome+ AED 2,750
Promotional booster+ AED 2,750
Annual rewards+ AED 1,455
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,625
Actual modelled netAED 4,330
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
Calculation assumptionsRewards, fees & important conditions
Read the full Etihad Guest FAB Visa Infinite review and fee maths
3.5 Etihad Guest miles per AED 10 on eligible domestic retail; 6 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.
6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold use can be charged back. · Worldwide lounge access; bank conditions apply
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
Regular 55,000 Etihad Guest miles on qualifying activation and annual-fee payment. Incremental October–November campaign stages are calculated separately.
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
VAT-inclusive annual fee is AED 2,625.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Monthly reward cap is 55,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.
Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.
Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.
October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.
Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.
Official bank source · checked 2026-10-18Etihad earning / caps / welcome FAQ
October–November acquisition campaign terms
Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 220,000 total Etihad Guest milesOctober–November acquisition campaign. The total includes the regular activation award; only additional campaign miles enter the booster calculation.
Ends 30 Nov · Apply by 2026-11-30 (UAE date, inclusive)
- New eligible FAB credit-card relationship; previous / existing Etihad card exclusions apply.
- Activate within 15 days of issuance and pay annual fee.
- Emirati first-year fee concession is not assumed for the general comparison.
- Additional spend-stage miles require AED 120,000 retail spend within 90 days.
Incremental activation campaign miles: +AED 2,750 modelled value · Activation and offer eligibility required
Incremental spend campaign miles: +AED 5,500 modelled value · Spend AED 120,000 in 90 days
Qualifying extra bonus in this forecast: AED 2,750.
Official offer termsWELCOME 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
Annual fee AED 735Renewal fee from year two
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView 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 assumptionsRewards, fees & important conditions
Read the full Skywards Signature Credit Card review and fee maths
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 2026-10-18Credit card price guide (VAT inclusive)
Skywards earning and bank conversion rate
Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
Up to 40,000 welcome Skywards milesSeparate 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 termsLIMITED-TIME BOOSTUp to 140,000 total Etihad Guest milesEnds 30 Nov
Conventional banking
FABBANK-SOURCED
FAB Etihad Guest Signature Credit Card
Dirham Score 2.8/5100% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 2.7405%; scheme charges may apply
Annual fee AED 1,575
ESTIMATED FIRST-YEAR VALUE
AED 3,178
Partial estimate · see detailsView breakdown
Regular welcome+ AED 1,750
Promotional booster+ AED 1,750
Annual rewards+ AED 1,252.5
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Actual modelled netAED 3,177.5
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
Calculation assumptionsRewards, fees & important conditions
Read the full FAB Etihad Guest Signature Credit Card review and fee maths
2.75 Etihad Guest miles per AED 10 on eligible domestic retail; 4.5 per AED 10 foreign retail. Supermarket, utilities, fuel/conveyance, education/government earn 1.5 miles per AED 10 domestically and internationally.
4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold use can be charged back. · Unlimited access to over 1,000 lounges for the cardholder; programme conditions apply.
Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.
Regular 35,000 Etihad Guest miles on activation and fee payment. Campaign additional miles are separate.
AED 0.05/mile is an editorial valuation. Paid Miles Accelerator and Etihad-specific earning are excluded. The generic foreign-spend input assumes non-reduced MCCs; actual foreign essential-category transactions earn 0.15 mile/AED. Approved credit limit and transaction rounding are unmodelled.
VAT-inclusive annual fee is AED 1,575.
Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.
Monthly reward cap is 30,000 Etihad Guest miles (joining miles excluded), also limited to spending up to the approved primary credit limit. AED cap in the calculator is an editorial conversion at AED 0.05/mile.
Reduced essential-category earning is 1.5 miles per AED 10; it is not zero. Foreign essential MCCs also use that reduced rate.
Regular joining miles are counted once. Campaign bonus joining miles and spend-stage miles are additional and separately conditional.
October–November 2026 campaign: apply 1 October–30 November inclusive; activate within 15 days, pay applicable annual fee, no current FAB credit-card relationship and no previously held Etihad Guest card; UAE nationals have first-year annual-fee concession.
Golf benefits here are discounts; complimentary rounds were not established. Airport transfers are discounted, not free.
Official bank source · checked 2026-10-18Etihad earning / caps / welcome FAQ
October–November acquisition campaign terms
Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 140,000 total Etihad Guest milesOctober–November acquisition campaign. The total includes the regular activation award; only additional campaign miles enter the booster calculation.
Ends 30 Nov · Apply by 2026-11-30 (UAE date, inclusive)
- New eligible FAB credit-card relationship; previous / existing Etihad card exclusions apply.
- Activate within 15 days of issuance and pay annual fee.
- Emirati first-year fee concession is not assumed for the general comparison.
- Additional spend-stage miles require AED 60,000 retail spend within 90 days.
Incremental activation campaign miles: +AED 1,750 modelled value · Activation and offer eligibility required
Incremental spend campaign miles: +AED 3,500 modelled value · Spend AED 60,000 in 90 days
Qualifying extra bonus in this forecast: AED 1,750.
Official offer termsLIMITED-TIME BOOSTUp to 150,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation
Sharia-compliant
ADIBBANK-SOURCED
ADIB Etihad Guest Visa Platinum Covered Card
Dirham Score 2.7/590% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee AED 2,100
A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.
ESTIMATED FIRST-YEAR VALUE
AED 180
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,280
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,100
Actual modelled netAED 180
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Platinum Covered Card review and fee maths
2.2 Etihad Guest miles per AED 4 local retail and 3 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.
No cinema benefit verified. · Four annual visits via Visa Airport Companion from 1 October 2026; app registration and current qualifying conditions apply.
Valet: Selected UAE valet locations; confirm current allowance.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Non-self-funded annual fee includes VAT: AED 2,000 + 100 = 2,100. Self-funded Platinum pricing/earning differs.
Local retail earns 2.2 miles per AED 4; non-AED retail outside the EEA earns 3 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
Verified standard non-self-funded welcome: 50,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 150,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
Official bank source · checked 2026-10-18Official reward and welcome terms
Official lounge/provider notices
Current Sharia-compliant covered card; title and product copy retain Visa Platinum while the page heading shortens it to ADIB Etihad Guest Platinum Card. Transparent tilted card with shadow; VISA Platinum is visible. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 150,000 additional Etihad Guest milesOfficial product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Headline is additional to standard welcome and normal earning; do not double count.
- Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.
Qualifying extra bonus in this forecast: AED 0.
Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.
Official offer termsLIMITED-TIME BOOSTUp to 225,000 additional Etihad Guest milesEnds 31 Dec · Terms need confirmation
Sharia-compliant
ADIBBANK-SOURCED
ADIB Etihad Guest Visa Infinite Covered Card
Dirham Score 2.6/590% data coverage · editorial methodHow this score works
- + Etihad Guest rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee AED 3,150
A current product-specific salary minimum was not published in the checked official sources. Excluded from salary-filtered results; bank assessment remains necessary.
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,475
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 3,150
Actual modelled netAED -675
Costs exceed estimated rewards; headline is floored at zero.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full ADIB Etihad Guest Visa Infinite Covered Card review and fee maths
2.5 Etihad Guest miles per AED 4 local retail and 3.5 abroad; selected essential MCCs earn 1 per AED 4. European rates differ.
No cinema benefit verified. · Unlimited lounge access for cardholder and one guest via Visa Airport Companion; app registration and current qualifying conditions apply.
Valet: Four visits monthly through Valtrans at selected UAE locations.
Monthly profit rate: 3.75%. Bank FX charge: 2.415%.
Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
Standard welcome triggers are verified but excluded from the automatic forecast until it can require a qualifying purchase within 30 days; this is not an unconditional award. Additional seasonal campaign stages are unverified and excluded. EEA rates and approved card limits can reduce earning. Airline mile value remains an editorial assumption.
Non-self-funded annual fee includes VAT: AED 3,000 + 150 = 3,150. Self-funded Platinum pricing/earning differs.
Local retail earns 2.5 miles per AED 4; non-AED retail outside the EEA earns 3.5 per AED 4; EEA earns 1.2 per AED 4. Specific merchants earn 1 per AED 4.
Specific merchants include supermarkets, education, utilities/government services, service/petrol stations, real estate, public transport, tolls and charities. Cash, balance transfers, fees, repayments, securities and spend beyond card limit are excluded.
Verified standard non-self-funded welcome: 75,000 Etihad Guest miles after a qualifying purchase within 30 days of receiving the card. A further 25,000 miles requires AED 60,000 within 3 months of issuance. One-time only; cancellation/reapplication and upgrades do not earn another signup award. Separate July–December campaign advertises up to 225,000 extra miles; its linked terms return 404, so additional campaign miles remain excluded.
New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.
Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.
Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.
Official bank source · checked 2026-10-18Official reward and welcome terms
Official lounge/provider notices
Current consumer covered card with active Apply Now on the official product page. Separate product selected as replacement for Dana, not a Dana rename. Transparent tilted black card with shadow; VISA Infinite is visible. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Up to 225,000 additional Etihad Guest milesOfficial product page advertises the July–December 2026 campaign; the linked campaign terms redirect to the bank’s 404 page.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Headline is additional to standard welcome and normal earning; do not double count.
- Confirm complete acquisition/spend/activation/fee milestones directly with ADIB because the linked campaign PDF is unavailable.
Qualifying extra bonus in this forecast: AED 0.
Product-page headline is confirmed; qualifying campaign terms are not retrievable, so no campaign miles or cash-equivalent value are included.
Official offer terms
Conventional banking
RAKBANKBANK-SOURCED
RAKBANK Air Arabia Platinum Credit Card
Dirham Score 3.5/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Bank FX charge 2.57%; scheme charges may apply
Annual fee AED 420Conditional first-year waiver
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 420
Joining-fee refund+ AED 0
Annual fee− AED 420
Actual modelled netAED 0
Not estimated: AirRewards are not assigned an unverified AED conversion, and the current 20,000-point offer/no-joining-fee headline conflicts with the linked KFS and tariff.
Calculation assumptionsRewards, fees & important conditions
Read the full RAKBANK Air Arabia Platinum Credit Card review and fee maths
Live offer and linked KFS disagree on the first-year fee and welcome points. Confirm the written offer; both welcome rewards and AED reward value remain excluded.
50% off selected VOX screenings, up to two tickets per card per month; partner terms apply. · Mastercard lounge programme at selected 20+ lounges; confirm the participating lounges, visit allowance and eligibility before travelling.
Monthly interest rate: 3.65%. Bank FX charge: 2.57%.
First-year fee waiver requires AED 20,000 spend within 365 days. Your forecast meets the spend target.
Not estimated: AirRewards are not assigned an unverified AED conversion, and the current 20,000-point offer/no-joining-fee headline conflicts with the linked KFS and tariff.
Current page advertises 20,000 AirRewards after AED 5,000 qualifying spend within three months for new-to-bank customers and no joining fee. Government and utility payments are excluded from the offer spend.
Conflict: the linked KFS still states 15,000 joining points, payment of a joining fee and AED 420 first-year annual fee; the linked tariff lists AED 420 joining/annual fee including VAT. Confirm the written application offer. The conservative record retains AED 420 and excludes welcome rewards from the forecast.
From subsequent years, AED 420 is waived after AED 20,000 qualifying prior-year retail spend.
Earn 1.75 AirRewards/AED 5 on AirArabia.com and eligible international retail, 1.25/AED 5 on domestic retail, and 0.30/AED 5 on listed reduced MCCs including school fees, fuel, utilities, telecom and government. Bank-channel transactions are excluded.
Annual return-flight voucher after AED 30,000 qualifying retail spend; taxes payable, UAE-origin travel and voucher conditions apply. AED 20,000 qualifying spend unlocks annual 10 kg baggage and two meal vouchers. These non-cash perks are not treated as guaranteed cash.
FX tariff charge 2.57% including VAT plus network processing approximately 1.15%. Monthly finance rate 3.65%, with a 0.5 percentage-point past-due increase.
Official bank source · checked 2026-10-18VAT-inclusive service and price guide
Current salary and annual-fee comparison
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Skywards Black Credit Card
Dirham Score 3.0/5100% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.3%; scheme charges may apply
Annual fee AED 2,100
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,446.5
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 2,100
Actual modelled netAED -653.5
Costs exceed estimated rewards; headline is floored at zero.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Skywards Black Credit Card review and fee maths
Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.
Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.
Monthly profit rate: 3.25%. Bank FX charge: 2.3%.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Baseline without Gold fast track: AED 2,100 annual fee including VAT. Gold fast-track option totals AED 5,775 (AED 2,100 on issuance plus AED 3,675 on Gold qualification). The optional extra fee is not added to this baseline model.
Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.75 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.
The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.
Foreign fee 2.3% including VAT plus network approximately 1.15%. Monthly published profit 3.25%; check the signed offer and total borrowing cost.
Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.
Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.
Official bank source · checked 2026-10-18Detailed Skywards category and EEA/UK earn table
VAT-inclusive card schedule of charges
Official catalogue: salary and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Sharia-compliant
Emirates IslamicBANK-SOURCED
Emirates Islamic Skywards Signature Credit Card
Dirham Score 3.2/5100% data coverage · editorial methodHow this score works
- + Emirates Skywards rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.54%; scheme charges may apply
Annual fee AED 735Conditional first-year waiver
ESTIMATED FIRST-YEAR VALUE
AED 822
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 821.99
Fee waiver+ AED 735
Joining-fee refund+ AED 0
Annual fee− AED 735
Actual modelled netAED 821.99
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Islamic Skywards Signature Credit Card review and fee maths
Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.
Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.
Monthly profit rate: 3.69%. Bank FX charge: 2.54%.
First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.
Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.
Annual fee AED 735 including VAT. The bank currently advertises first-year fee waiver after AED 5,000 retail spend within 90 days; subsequent annual waiver requires AED 30,000 annual spend. Confirm application conditions.
Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.275 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.
The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.
Foreign fee 2.54% including VAT plus network approximately 1.15%. Monthly published profit 3.69%; check the signed offer and total borrowing cost.
Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.
Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.
Official bank source · checked 2026-10-18Detailed Skywards category and EEA/UK earn table
VAT-inclusive card schedule of charges
Official catalogue: salary and artwork
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Airline miles: caps, qualifying spend and exclusions
A mile is a redemption currency, not cash. Award availability, taxes, transfer ratios, restricted markets and joining fees can change the value of a seemingly generous welcome offer.
Review both the eligible merchant category and how the payment is processed. The provider, payment gateway and bank can classify a transaction differently from its everyday description. An advertised maximum rate is not necessarily the rate for every dirham spent.
Read the detailed airline miles guideQuestions about UAE airline miles cards
How are airline miles cards ranked?
Cards are ordered by estimated first-year net AED value using the same AED 10,000 monthly benchmark and shared calculation engine. This is a spending illustration, not an approval recommendation. The ranking does not accept paid placement.
Does the top card fit my salary and repayment habits?
Not necessarily. Apply the published salary filter and use the personal card selector. The selector treats repayment habits separately; rewards do not justify interest-bearing balances, and salary alone does not establish bank approval.
What is the main airline miles limitation?
A mile is a redemption currency, not cash. Award availability, taxes, transfer ratios, restricted markets and joining fees can change the value of a seemingly generous welcome offer.
Are welcome offers included every year?
No. Year one includes only offers supported by the model and forecast qualifying spend. The ongoing-year estimate excludes acquisition rewards and joining costs, restores recurring annual fees and applies verified renewal waivers only where eligible.
Are bank points, lounge visits and movie offers guaranteed cash?
No. Points and airline miles use transparent illustrative redemption assumptions. Lounge, cinema, valet and insurance benefits are described separately and are not assigned guaranteed cash savings in the reward ranking.
Where can I verify the figures before applying?
Every product review links to official issuer pages and available tariff or reward terms with its source-review date. Read the current bank terms, merchant exclusions and eligibility requirements before submitting an application.