Abu Dhabi Islamic Bank
Emirates Skywards Infinite
The Emirates Skywards Infinite is a travel credit card from Abu Dhabi Islamic Bank. It has an annual fee of AED 4,725.
Annual fee
AED 4,725
Joining fee
Free
Min. salary
Not published
Rewards in
Skywards Miles
Material
Plastic
Minimum salary: Abu Dhabi Islamic Bank publishes no minimum salary for this card. Perkly uses AED 5,000 a month when matching, the figure Emirates gives for this card on its Skywards site.
Card highlights
- Earn up to 3 Skywards Miles per AED 3.68 on Emirates and flydubai, 2 on foreign spend
- Complimentary Skywards Silver; fast-track to Gold with USD 5,000 Emirates spend
- Unlimited lounge access for cardholder and 1 guest (1,000+ lounges) plus 4 complimentary airport transfers a year
- 4 complimentary valet visits a month, 1 complimentary golf round a month (cardholder and guest), and travel insurance up to USD 500,000
Earn rates
| Category | Rate |
|---|---|
| Travel | 9.21% |
| International spend | 6.14% |
| Retail | 4.6% |
| Dining & food | 4.6% |
| Online shopping | 4.6% |
| Supermarket | 0.77% |
| Fuel | 0.77% |
| Utilities | 0.77% |
| Education | 0.77% |
| Transport | 0.77% |
| Real estate | 0.77% |
Spend in European Economic Area countries earns a reduced 0.8 Skywards Miles per AED 3.68, against 2 Miles on other foreign currency spend. In Perkly's terms that is about 2.46% back, not the international rate shown above.
Current welcome offer
Earn 50,000 bonus Emirates Skywards Miles
- Miles credited after your first qualifying retail transaction within 30 days of card issuance
- Cash withdrawals, fees, and reversals do not qualify
- Emirates Airlines employees are not eligible for the sign-up Miles
Benefits & perks
- •Complimentary Emirates Skywards Silver membership for the primary cardholder
- •Fast track to Emirates Skywards Gold with minimum USD 5,000 spend on Emirates
- •Unlimited airport lounge access for cardholder and 1 guest at 1,000+ lounges via Visa Airport Companion app
- •4 complimentary airport transfers per year from anywhere in the UAE
- •4 complimentary Emirates home check-in services per year (Dubai)
- •Free valet parking 4 times a month via Valtrans at key UAE locations
- •Complimentary golf for cardholder and 1 guest at The Els Golf Club Dubai and The Abu Dhabi Golf Club: once per month
- •Travel accident cover and emergency medical evacuation up to USD 500,000 (covers spouse, children and domestic helper)
- •In-hospital cash benefit of USD 100 per day while travelling
- •Baggage loss or damage cover up to USD 3,000
- •Trip cancellation or curtailment cover up to USD 7,500
- •Baggage delay cover up to USD 500
- •Trip delay or missed departure cover up to USD 500
- •24-hour Visa Infinite concierge service
About this card
- •Skywards Gold perks when you fly 3+ times a year
- •16kg extra baggage (needs AED 18,363 of travel a year): about AED 3,840
- •Worldwide lounge access (needs AED 18,363 of travel a year): about AED 2,862
- •75% bonus Skywards miles (needs AED 18,363 of travel a year): about AED 699
- •Complimentary seat selection (needs AED 18,363 of travel a year): about AED 720
- •Premium Gold experience and priority services (needs AED 18,363 of travel a year): about AED 2,000
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Abu Dhabi Islamic Bank Emirates Skywards Infinite earn?
An ADIB Islamic card with an AED 4,725 annual fee that earns Emirates Skywards Miles: 3 per AED 3.68 on purchases made direct with Emirates and flydubai, 2 on foreign currency spending outside the European Economic Area, 1.5 on most local spending and 0.25 on supermarkets, fuel and everyday bills, with Skywards Silver and unlimited lounge access for you and a guest.
What does the Abu Dhabi Islamic Bank Emirates Skywards Infinite cost?
Annual fee AED 4,725 including VAT (AED 4,500 before VAT), which is the price with the fast track to Skywards Gold. ADIB's schedule also prices the card at AED 2,500 before VAT without the fast track. No joining fee.
What does spending abroad cost on the Abu Dhabi Islamic Bank Emirates Skywards Infinite?
Spending abroad costs about 3.57% all in on non-AED transactions: ADIB's 2.3% Non-AED Transaction Service Fee plus 5% VAT (2.415%), plus 1.15% for Visa, which is Perkly's standard estimate because ADIB's schedule says its fee is charged in addition to Visa's without giving a figure. A transaction outside the UAE billed in AED carries ADIB's 2.75% instead (since 10 September 2026), which already includes Visa's charge; some ADIB product pages still show the older 1.99%. Spending in the European Economic Area earns 0.8 Miles per AED 3.68, not 2.
What should I watch out for with the Abu Dhabi Islamic Bank Emirates Skywards Infinite?
The card gives Skywards Silver; Gold needs USD 5,000 of spending with Emirates, even though the AED 4,725 fee is the fast track price. Supermarkets, fuel, utilities, education, public transport and Salik earn only 0.25 Miles per AED 3.68. Spending in the European Economic Area earns 0.8 Miles per AED 3.68 rather than 2.
More from Abu Dhabi Islamic Bank
ADIB Emirates Skywards Signature
- Earn up to 2.5 Skywards Miles per AED 3.68 on Emirates and flydubai, 1.5 on foreign spend, 1 on local spend
- Complimentary Skywards Silver for Year 1 (renewable with USD 2,500 Emirates spend); 2 airport transfers a year
Updated November 2026