Emirates NBD Skywards Signature Credit Card
A travel credit card by Emirates NBD earning up to 1.5 miles per USD on travel and 1 mile per USD on international spend.
AED 1,573.95
Up to 1.5 miles/USD
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international travel and dining, especially on Emirates flights.
Not ideal if
You spend mainly on domestic groceries, utilities, or education with minimal travel.
Watch out for
Annual fee of AED 1,573.95 is not waivable, regardless of spend.
Calculate This Card’s Value
Earning Rates
1.5 miles/USD
1 mile/USD
0.1875 miles/USD
0.75 miles/USD
1 mile/USD
0.0075 miles/USD
0.0075 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.5 miles per USD on travel bookings, strong for frequent flyers.
1 mile per USD on international spend and dining with no caps.
Welcome bonus offers up to 40,000 Skywards Miles plus AED 250 dining certificate.
Includes lounge access, golf, valet parking, and Entertainer perks.
Watch out for
Annual fee of AED 1,573.95 and joining fee of AED 735 are not waivable.
Minimal earning on utilities and education at 0.0075 miles per USD.
Requires AED 12,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,573.95 annual fee is not waivable, so value depends on your travel and international spend. If you spend heavily on Emirates flights and international purchases, the 1.5 miles per USD on travel and 1 mile per USD internationally can offset the fee through Skywards Miles redemptions and perks like lounge access.
How does the welcome bonus work?
You can earn up to 40,000 Skywards Miles: 15,000 upon paying the joining fee, 15,000 for spending USD 10,000 in the first 3 months, and 10,000 for spending USD 3,750 on Emirates purchases in the first 12 months. You also receive an AED 250 Rotana dining certificate.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 12,000 to qualify for the Emirates NBD Skywards Signature Credit Card.
Can I use this card abroad?
Yes, the card earns 1 mile per USD on international spend with a 3.14% foreign exchange markup. It is well-suited for overseas travel and purchases.
Does this card earn on school or university fees?
Yes, but the rate is very low at 0.0075 miles per USD on education spend. This card is not designed for maximizing returns on school or university fees.