Smiles Visa Signature Card
No salary transfer needed
Free for the first year; from year 2 waived on annual minimum retail spend of AED 24,000
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 525
- Fee note
- Free for the first year; from year 2 waived on annual minimum retail spend of AED 24,000
- Monthly rate
- 3.85%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 57.4%
- Minimum salary
- AED 5,000
- 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.
What you get.
- Welcome benefit: 90-day complimentary subscription to Smiles Unlimited (Buy 1 Get 1 offers, free delivery on food and grocery orders, waived home service fees)
- Welcome benefit: AED 200 extra discount on hotel bookings with Unravel (code issued within 30 days, valid 90 days from card issuance)
- 10 Smiles points per AED 1 on all Etisalat channels, Smiles app and elGrocer spends (monthly cap of 25,000 Smiles points)
- Up to 3 Smiles points per AED 1 on all international spends
- Up to 2 Smiles points per AED 1 on all domestic spends
- Quarterly bonus of 5,000 Smiles points on achieving cumulative spend of AED 10,000 in the previous calendar quarter
- 8 complimentary airport lounge visits per calendar year at 1,000+ lounges via Lounge Key / Visa Airport Companion (1st visit free; subsequent visits need min USD 1 international spend; beyond 8 visits USD 32 per visit)
- Multi-trip travel insurance for cardholder and family, 90 days from date of travel, up to USD 500,000
- Purchase protection and extended warranty (doubles the original manufacturer's warranty up to 1 year)
- Redeem Smiles points for Etisalat bills, prepaid recharges, food delivery, smartphones, groceries, pharmacies and shopping vouchers
- Emaar attractions: 20% off KidZania, E-Kart Zabeel, The Storm Coaster, Dubai Ice Rink and Zabeel Sports District; bonus credits at Play DXB; Xperience app 2-for-1 offers
- Supplementary cards free for life
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.