Emirates Skywards DIB Infinite Covered Card: 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 1.8/5100% 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 3.7%; scheme charges may apply
Explore all DIB 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 Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending. 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
- AED 20,000
- Annual fee
- AED 1,575
- Bank FX charge
- 3.7%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- Emirates Skywards
- Salary transfer required
- No published requirement
No ongoing waiver verified.
Cashback or points earning rules, thresholds and caps
Earn Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending.
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 | 0.08168822328114364 points per AED | Shared/general conditions | 0 |
| School Fees | 0.08168822328114364 points per AED | Shared/general conditions | 0 |
| Utilities | 0.08168822328114364 points per AED | Shared/general conditions | 0 |
| Fuel | 0.08168822328114364 points per AED | Shared/general conditions | 0 |
| International Spend | 0.4084411164057182 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED -1,537.73 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 Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending. 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.
Emirates Skywards DIB Infinite Covered Card
Dirham Score 1.8/5100% 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 3.7%; scheme charges may apply
No ongoing waiver verified.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,087.27
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Joining / plan fees− AED 1,050
Actual modelled netAED -1,537.73
Costs exceed estimated rewards; headline is floored at zero.
Partial rewards model: Earn Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending. Merchant exclusions, caps and scheme conditions apply.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates Skywards DIB Infinite Covered Card review and fee maths
Earn Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending.
No cinema benefit verified. · Unlimited visits for the cardholder and one guest through Visa Airport Companion. After the first visit, USD 1 equivalent foreign spend at a merchant outside the UAE must be made at least 15 days before travel.
Monthly profit rate: 3.69%. Bank FX charge: 3.7%.
Partial rewards model: Earn Emirates Skywards Miles on eligible purchases, with reduced rates for specified merchant categories and EEA spending. Merchant exclusions, caps and scheme conditions apply.
The annual fee shown is the VAT-inclusive renewal fee. First-year total fees are AED 2,625.
Balance-transfer bonus miles require a separate financing transaction and are excluded from ordinary purchase-value estimates.
Bank-channel utility and government payments earn no miles. EEA transactions earn a reduced rate.
Official bank source · checked 2026-10-22Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Unlimited visits for the cardholder and one guest through Visa Airport Companion. After the first visit, USD 1 equivalent foreign spend at a merchant outside the UAE must be made at least 15 days before travel.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The annual fee shown is the VAT-inclusive renewal fee. First-year total fees are AED 2,625.
- Balance-transfer bonus miles require a separate financing transaction and are excluded from ordinary purchase-value estimates.
- Bank-channel utility and government payments earn no miles. EEA transactions earn 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.
FAB Etihad Guest Signature Credit Card
FAB · minimum salary AED 15,000
Compare Emirates Skywards DIB Infinite Covered Card with FAB Etihad Guest Signature Credit CardEmirates Islamic Skywards Signature Credit Card
Emirates Islamic · minimum salary AED 12,000
Compare Emirates Skywards DIB Infinite Covered Card with Emirates Islamic Skywards Signature Credit CardSkywards Signature Credit Card
Emirates NBD · minimum salary AED 12,000
Compare Emirates Skywards DIB Infinite Covered Card with Skywards Signature Credit CardOfficial bank sources and application information
- Emirates Skywards DIB Infinite Covered Card official product terms
- DIB: Official product page
- DIB: Current DIB card schedule
- DIB: Current DIB covered-card KFS
- Emirates Skywards DIB Infinite Covered 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.