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TravelVisa
ADIB
Emirates Skywards Visa Infinite Card
IslamicNo salary transfer needed
Min. salary
AED 25,000
Annual fee
AED 4,725
Monthly rate
3.75%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
55.5%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 4,725
- Fee note
- No standard waiver
- Monthly rate
- 3.75%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 55.5%
- Minimum salary
- AED 25,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome bonus of 50,000 Skywards Miles on first spend within 30 days of card issuance; current offer (until 31 August 2026) adds 50,000 Miles on AED 120,000 retail spend and 50,000 Miles on AED 55,000 equivalent foreign-currency retail spend within first 3 months (up to 150,000 Miles total) plus 5,000 bonus Tier Miles
- 3 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays spends
- 2 Skywards Miles (0.8 in EEA region) per AED 3.68 equivalent spent internationally
- 1.5 Skywards Miles per AED 3.68 equivalent spent locally
- 0.25 Skywards Miles per AED 3.68 on Specific Merchants (supermarkets, government, utilities, education, petrol, transport, Salik, charities)
- Emirates Skywards Silver tier membership for primary cardholder, with fast track to Gold tier upon achieving qualifying spend
- Unlimited lounge access for cardholder and one guest companion to over 1000 airport lounges (Visa Airport Companion app)
- Free valet parking four times a month through Valtrans at key UAE locations
- Emirates Home check-in service in Dubai four times a year and four Dubai airport transfers per year
- Complimentary golf for cardholder and a companion at select UAE courses, once per month (Els Club Dubai, Abu Dhabi Golf Club)
- 24-hour Visa concierge; travel inconvenience cover (baggage loss up to USD 3,000, trip curtailment up to USD 7,500) and travel medical cover
- Cardholders earn 1 Tier Mile for every 4 Skywards Miles earned, capped at 15,000 Tier Miles per member (offer)
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.