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, and needs a minimum salary of AED 25,000 a month.
Annual fee
AED 4,725
Joining fee
Free
Min. salary
AED 25,000/mo
Rewards in
Skywards Miles
Material
Plastic
Card highlights
- Earn 3 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays, 2 on foreign spend, 1.5 on local
- Complimentary Skywards Silver, fast-track to Gold on USD 5,000 Emirates spend, valid 12 months
- Unlimited lounge access for cardholder and 1 guest (1,000+ lounges) plus 4 airport transfers a year
- 4 Emirates home check-ins, 4 valet visits a month, and monthly golf for 2 at Els or Abu Dhabi Golf Club
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 spend of USD 5,000 on Emirates (Gold runs for 12 months from activation)
- •Unlimited airport lounge access for cardholder and 1 guest at 1,000+ lounges worldwide via Visa Airport Companion app
- •4 complimentary Emirates home check-in services per year (from home, hotel or office in Dubai)
- •4 complimentary airport transfers per year from anywhere in the UAE (within city limits)
- •Free valet parking 4 times a month via Valtrans at key UAE locations (standard parking only)
- •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 each, extending to spouse, children and domestic helper
- •In-hospital cash benefit of USD 100 per day (travel medical insurance)
- •Baggage loss or damage cover up to USD 3,000
- •Baggage delay cover up to USD 500
- •Trip delay or missed departure cover up to USD 500
- •Trip curtailment or cancellation cover up to USD 7,500
- •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 September 2026.
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More from Abu Dhabi Islamic Bank
ADIB Emirates Skywards Signature
- Earn 2.5 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays, 1.5 on foreign spend
- Complimentary Skywards Silver membership (Year 1, renewable with USD 2,500 Emirates spend)
Updated September 2026