Skywards Infinite Credit Card
IslamicNo salary transfer needed
Offer until 31 August 2026: first-year AMF reversed on AED 30,000 retail spend within 180 days of approval (no welcome miles under this offer); otherwise choose AED 2,100 AMF with 20,000-mile bonus or AED 1,048.95 with 10,000-mile bonus
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 2,100
- Fee note
- Offer until 31 August 2026: first-year AMF reversed on AED 30,000 retail spend within 180 days of approval (no welcome miles under this offer); otherwise choose AED 2,100 AMF with 20,000-mile bonus or AED 1,048.95 with 10,000-mile bonus
- 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 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.
What you get.
- Welcome bonus of 20,000 Skywards Miles (with AED 2,100 AMF) or 10,000 Skywards Miles (with AED 1,048.95 AMF)
- Earn up to 2 Skywards Miles per USD 1 spent (0.25 Miles per USD on select categories)
- Complimentary Emirates Skywards Silver Tier status for 12 months
- Unlimited complimentary access to 1,200+ airport lounges worldwide
- Complimentary golf rounds (AED 5,000 minimum monthly retail spend)
- Complimentary valet parking (AED 5,000 minimum monthly retail spend; threshold AED 7,500 effective 01 March 2026 for select benefits)
- Complimentary access to Sharjah Ladies Club
- Multi-trip travel takaful
- Balance transfer facility with no profit on transferred balances
- Miles credited to Skywards account within 2 days of billing
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.