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Emirates NBD
Skywards Signature Credit Card
No salary transfer needed
Min. salary
AED 12,000
Annual fee
AED 735
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%
Year-1 joining fee AED 1,573.95; AED 735 annual fee from 2nd year
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 735
- Fee note
- Year-1 joining fee AED 1,573.95; AED 735 annual fee from 2nd year
- 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 12,000
- 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.
02Rewards & perks
What you get.
- Welcome offer: up to 40,000 bonus Skywards Miles (15,000 on payment of joining fee, 15,000 on USD 10,000 spend in first 3 statements, 10,000 on USD 3,750 spend on the Emirates website in first 12 statements)
- Earn per USD 1: 1.5 Skywards Miles on Emirates/flydubai/duty free/food delivery/car booking apps, 1 Mile on international (non-EU) spends, 0.75 Mile domestic, 0.37 Mile on EU/UK spends
- Complimentary access to over 1,000 airport lounges via the Visa Airport Companion app
- Buy 1 get 1 free movie tickets at VOX and Reel Cinemas
- Complimentary golf at top UAE courses (AED 30 booking processing fee)
- Concierge services
- Buy 1 get 1 offers via Visa and The Entertainer across the Middle East
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.