← All 169 cards
Travel
HSBC
Emirates Skywards Infinite Credit Card
No salary transfer needed
Min. salary
AED 30,000
Annual fee
AED 2,625
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%
No standard waiver
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 2,625
- Fee note
- No standard waiver
- 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 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.
02Rewards & perks
What you get.
- 20,000 sign-up bonus Skywards Miles when you pay your annual card fee
- 30,000 welcome spend Skywards Miles when you spend a minimum of AED 50,000 in eligible spends in the first 60 days
- Complimentary Emirates Skywards Silver Tier membership
- Earn 2.75 Skywards Miles per AED 1 on direct bookings with Emirates and flydubai in AED
- Earn 1.5 Skywards Miles per AED 1 on non-AED transactions
- Earn 1 Skywards Mile per AED 1 on AED transactions
- Earn 0.25 Skywards Miles per AED 1 on government services, public transport, utilities, telecoms, education, real estate, fuel, groceries and supermarkets, insurance and auto dealers
- Unlimited complimentary access to over 1,200 airport lounges worldwide for you and a guest (make 1 international purchase of USD 1+ in the calendar year)
- Buy 1 Get 1 Free movie tickets every month, plus 20% off cinema food and drinks
- Complimentary travel insurance cover of up to USD 500,000 for you and your family on trips up to 90 days
- Skywards Miles earned do not expire while your Emirates Skywards account and credit card remain open
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.