Emirates Skywards DIB Signature Covered Card
IslamicNo salary transfer needed
No standard waiver; Year 1 AED 1,575, renewal from Year 2 AED 735 (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 1,575
- Fee note
- No standard waiver; Year 1 AED 1,575, renewal from Year 2 AED 735 (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 15,000
- 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 30,000 Skywards Miles: 15,000 on activation + 15,000 on balance transfer (min AED 30,000, 6-month tenor)
- 1.5 Skywards Miles per USD on Emirates spends
- Up to 1 Skywards Mile per USD on foreign currency spends
- Up to 0.75 Skywards Mile per USD on local currency spends (0.2 Mile/USD on government, groceries, utilities, fuel and similar categories; 0.5 Mile/USD in EEA)
- Complimentary access to 1,200+ airport lounges 8 times per year (after first free visit each year, USD 1 equivalent foreign spend 15 days prior required, else US$32 per visit)
- 2 complimentary airport transfers per annum (requires Emirates ticket purchased on the card within prior 6 months)
- 2 complimentary valet parking services per month at 18 UAE locations
- Multi-trip travel insurance up to US$500,000
- Complimentary benefits subject to minimum monthly spend of AED 5,000
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.