Abu Dhabi Islamic Bank
Emirates Skywards Signature
The Emirates Skywards Signature is a travel credit card from Abu Dhabi Islamic Bank. It has an annual fee of AED 1,575.
Annual fee
AED 1,575
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 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
- Unlimited airport lounge access via Visa Airport Companion App; 2 Emirates home check-ins a year in Dubai
- 2 free valet visits a month; 1 complimentary golf round a month at The Els Club or Abu Dhabi Golf Club
Earn rates
| Category | Rate |
|---|---|
| Travel | 7.67% |
| International spend | 4.6% |
| Retail | 3.07% |
| Dining & food | 3.07% |
| Online shopping | 3.07% |
| 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 0.6 Skywards Miles per AED 3.68, against 1.5 Miles on other foreign currency spend. In Perkly's terms that is about 1.84% back, not the international rate shown above.
Current welcome offer
Earn 25,000 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 Year 1 (renewable with USD 2,500 Emirates spend)
- •Unlimited airport lounge access via Visa Airport Companion App
- •Travel inconvenience insurance: baggage loss up to USD 3,000, delay USD 500, trip cancellation up to USD 7,500
- •Travel medical insurance covering cardholder, family and domestic helper
- •2 complimentary Emirates home check-in services per year (Dubai: home, hotel or office)
- •2 complimentary airport transfers per year
- •Free valet parking twice a month via Valtrans at key UAE locations
- •Complimentary golf at The Els Golf Club Dubai and The Abu Dhabi Golf Club: once per month
About this card
- •Skywards Silver perks when you fly 3+ times a year
- •12kg extra baggage: AED 2,880
- •30% bonus miles: AED 499
- •Seat selection: AED 720
Every card is checked against official bank sources. Last updated November 2026.
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Featured in the Perkly Card Index
Questions people ask
What does the Abu Dhabi Islamic Bank Emirates Skywards Signature earn?
An ADIB Islamic card with an AED 1,575 annual fee that earns Emirates Skywards Miles: 2.5 per AED 3.68 on purchases made direct with Emirates and flydubai, 1.5 on foreign currency spending outside the European Economic Area, 1 on most local spending and 0.25 on supermarkets, fuel and everyday bills, with Skywards Silver for the first year and unlimited lounge access through the Visa Airport Companion app.
What does the Abu Dhabi Islamic Bank Emirates Skywards Signature cost?
Annual fee AED 1,575 including VAT (AED 1,500 before VAT). No joining fee.
What does spending abroad cost on the Abu Dhabi Islamic Bank Emirates Skywards Signature?
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 0.6 Miles per AED 3.68, not 1.5.
What should I watch out for with the Abu Dhabi Islamic Bank Emirates Skywards Signature?
Skywards Silver comes free only in the first year; keeping it needs USD 2,500 of spending with Emirates each year. Supermarkets, fuel, utilities, education, public transport and Salik earn only 0.25 Miles per AED 3.68. Spending in the European Economic Area earns 0.6 Miles per AED 3.68 rather than 1.5.
More from Abu Dhabi Islamic Bank
ADIB Emirates Skywards Infinite
- 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
Updated November 2026