Emirates Skywards Signature Credit Card
No salary transfer needed
No standard waiver (AED 1,000 welcome cashback equal to the fee excl VAT offsets year 1 for online applications)
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,050
- Fee note
- No standard waiver (AED 1,000 welcome cashback equal to the fee excl VAT offsets year 1 for online applications)
- 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 10,000
- 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.
- AED 1,000 welcome cashback (equivalent to the annual fee, excluding VAT) when you apply online through the HSBC website
- 10,000 sign-up bonus Skywards Miles when you pay your annual card fee
- 15,000 welcome spend Skywards Miles plus fast track to Silver Tier when you spend a minimum of AED 20,000 in eligible spends in the first 60 days
- Earn 1.75 Skywards Miles per AED 1 on direct bookings with Emirates and flydubai in AED
- Earn 1 Skywards Mile per AED 1 on non-AED transactions
- Earn 0.75 Skywards Miles per AED 1 on AED transactions
- Earn 0.1 Skywards Miles per AED 1 on government services, public transport, utilities, telecoms, education, real estate, fuel and groceries
- Silver Tier renewal from year 2 by spending at least AED 180,000 on eligible transactions over 12 months, including at least AED 10,000 directly with Emirates
- 12 complimentary airport lounge visits a year for you and additional cardholders to over 1,200 lounges
- Buy 1 Get 1 Free movie tickets every month, plus 20% off cinema food and drink
- Complimentary travel insurance cover of up to USD 500,000 on trips up to 90 days
- Complimentary Careem Plus subscription and Zomato Gold membership
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.