HSBC Emirates Skywards Signature Credit Card
A travel credit card by HSBC earning up to 1.75 miles per USD on travel and 1 mile per USD internationally.
AED 1,050.00
Up to 1.75 miles/USD
AED 10,000
3.15%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on Emirates flights and international travel each month.
Not ideal if
You spend mostly on groceries, utilities, or domestic purchases with little travel.
Watch out for
AED 1,050 annual fee is not waivable and 3.15% FX markup applies.
Calculate This Card’s Value
Earning Rates
1.75 miles/USD
1 mile/USD
0.75 miles/USD
0.01 miles/USD
0.1 miles/USD
0.1 miles/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 1.75 miles per USD on travel purchases with no cap.
1 mile per USD on all international spending outside the UAE.
Welcome bonus of up to 25,000 Skywards Miles plus Silver Tier fast track.
Includes lounge access, Careem Plus, and cinema buy-one-get-one offers.
Watch out for
AED 1,050 annual fee with no waiver option available.
Groceries earn only 0.01 miles per USD, extremely low rate.
3.15% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
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Comparison fit85/100
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HSBC
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Comparison fit78/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 1,050 annual fee is not waivable, so you need to spend heavily on Emirates flights and international travel to justify the cost. The welcome bonus of up to 25,000 Skywards Miles can help offset the first year fee if you meet the AED 20,000 spend requirement within 60 days.
How many miles do I earn on Emirates flights?
You earn 1.75 miles per USD spent on travel purchases, including Emirates flights. This is the highest earn rate on the card and applies with no cap.
Can I use this card abroad?
Yes, you earn 1 mile per USD on all international spending. However, a 3.15% foreign exchange markup applies to all transactions in foreign currency, which adds cost to your purchases.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 10,000 to be eligible for this card.
Does this card earn on groceries or utilities?
Groceries earn only 0.01 miles per USD, and utilities and education earn 0.1 miles per USD. These are very low rates, so this card is not suitable if you spend heavily in these categories.