Emirates NBD Skywards Infinite: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
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
Explore all Emirates NBD cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18
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.
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. 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 30,000
- Annual fee
- AED 1,575
- Bank FX charge
- 1.99%; scheme fees may apply
- Monthly interest rate
- 3.25%
- Reward programme
- Emirates Skywards
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
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.
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 | 0.06808278867102396 points per AED | Shared/general conditions | 0 |
| School Fees | 0.027233115468409588 points per AED | Shared/general conditions | 0 |
| Utilities | 0.027233115468409588 points per AED | Shared/general conditions | 0 |
| Fuel | 0.027233115468409588 points per AED | Shared/general conditions | 0 |
| International Spend | 0.4084967320261438 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED -284.82 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 0.75 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.
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 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
View 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 termsLounge, cinema, valet and golf conditions
Supplemental lounge spend rule: AED 5,000 in the month of benefit use; foreign-purchase and app conditions are additional. Activation, visits and guest conditions also apply. Official lounge spending 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 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.
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.
Etihad Guest FAB Visa Infinite
FAB · minimum salary AED 30,000
Compare Emirates NBD Skywards Infinite with Etihad Guest FAB Visa InfiniteEmirates Islamic Skywards Black Credit Card
Emirates Islamic · minimum salary AED 35,000
Compare Emirates NBD Skywards Infinite with Emirates Islamic Skywards Black Credit CardOfficial bank sources and application information
- Emirates NBD Skywards Infinite 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
- Emirates NBD Skywards Infinite 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.