Skywards Infinite Credit Card
No salary transfer needed
Year-1 joining fee AED 3,148.95; AED 1,575 annual fee from 2nd year (replaced by AED 250 + 5% VAT monthly fee if enrolled in the Skywards Express Miles programme)
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
- Year-1 joining fee AED 3,148.95; AED 1,575 annual fee from 2nd year (replaced by AED 250 + 5% VAT monthly fee if enrolled in the Skywards Express Miles programme)
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 30,000
- 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 offer: up to 100,000 bonus Skywards Miles (35,000 on payment of joining fee, 40,000 on USD 25,000 spend in first 3 statements, 25,000 on USD 7,500 spend on emirates.com in first 12 statements)
- Complimentary Emirates Skywards Silver membership upgrade with Business Class lounge access
- Earn per USD 1: 2 Skywards Miles on Emirates/flydubai/duty free/food delivery/car booking apps, 1.5 Miles on international spends, 1 Mile domestic (EU/UK merchants earn 50% of international rate)
- Optional Skywards Express Miles programme: 50% more Miles (except Emirates spends) for AED 250 + 5% VAT per month, capped at 4,000 extra Miles per statement
- Complimentary access to over 1,000 airport lounges via the Visa Airport Companion app
- Complimentary first-year Rotana Rewards Exclusive membership worth AED 1,050
- Buy 1 get 1 free movie tickets at VOX and Reel Cinemas
- Complimentary golf at top UAE courses
- Concierge services and 4 complimentary valet parking services per month in Abu Dhabi
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.