Emirates Skywards DIB Infinite Covered Card
IslamicNo salary transfer needed
No standard waiver; Year 1 AED 2,625, renewal from Year 2 AED 1,575 (both incl. VAT)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 2,625
- Fee note
- No standard waiver; Year 1 AED 2,625, renewal from Year 2 AED 1,575 (both incl. VAT)
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 20,000
- 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 bonus up to 75,000 Skywards Miles: 25,000 on activation + 25,000 on balance transfer (min AED 50,000, 6-month tenor) + 25,000 on spending USD 20,000 equivalent in first 4 statements
- 2 Skywards Miles per USD on Emirates spends
- Up to 1.5 Skywards Miles per USD on foreign currency spends
- Up to 1 Skywards Mile per USD on local currency spends (0.3 Mile/USD on government, groceries, utilities, insurance, automobiles, education, fuel, real estate; 0.75 Mile/USD in EEA)
- Complimentary Emirates Skywards Silver membership: extra 12kg baggage, Emirates lounge access at Dubai International, complimentary seat selection
- Unlimited complimentary access for cardholder plus a guest to 1,200+ airport lounges (after first free visit each year, USD 1 equivalent foreign spend 15 days prior required, else US$32 per visit)
- 4 complimentary airport transfers per annum (requires Emirates ticket purchased on the card within prior 6 months)
- 4 complimentary valet parking services per month at 18 UAE locations (AED 335 excl. VAT charged if monthly spend criteria not met)
- Multi-trip travel insurance up to US$500,000 (cardholder, spouse and up to 5 children, trips up to 90 days)
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.