Best Emirates Skywards credit cards in the UAE: September 2026

3 Miles per USD on Emirates and flydubai bought direct from the airlines (ADIB's card page also names Emirates Holidays), 2 abroad (0.8 in the European Economic Area) and 1.5 locally, but 0.25 at supermarkets, petrol stations, utilities, government services and other listed merchants. Complimentary Silver with a fast track to Gold after USD 5,000 of Emirates spend, unlimited lounge access for you and a guest through the Visa Airport Companion app, 4 airport transfers a year and golf for you and a guest once a month. AED 4,725 a year including VAT with the Gold fast track, or AED 2,625 without it; minimum salary AED 25,000. ADIB gives 50,000 welcome Miles after your first purchase within 30 days of getting the card.

3.5 Miles per USD on Emirates and flydubai booked directly with the airline in dirhams, 2 abroad (0.75 in Europe and the UK), 1.5 locally and 0.3 on groceries, fuel, bills, fast food and other listed categories. Silver comes with the card, and this version adds a fast track to Skywards Gold: spend USD 5,000 on Emirates tickets or upgrades bought from Emirates within 12 months of getting the card. The card costs AED 2,100 a year until you qualify; from then it is AED 5,775 a year in total, and the same spend is needed each year to keep Gold. 1 complimentary lounge visit a year and 4 one-way airport transfers a year when you have paid for an Emirates flight with the card in the previous 6 months. Minimum salary AED 35,000.

2 Miles per USD on Emirates and flydubai booked directly, 1.5 abroad (0.375 in Europe and the UK) and 1 locally, with 0.5 on groceries, 0.25 on fuel and fast food and 0.15 on bills and government services. Complimentary Silver for the first 12 months (keeping it needs USD 2,500 of Emirates spend a year), 1 complimentary lounge visit a year and unlimited golf at 5 UAE courses in months you spend AED 10,000. AED 1,048.95 a year including VAT, with 10,000 welcome Miles, and from the second year the fee is waived on AED 150,000 of annual spend. One of the cheapest routes to Skywards Silver.

2.5 Miles per USD on Emirates and flydubai bought direct from the airlines (ADIB's card page also names Emirates Holidays), 1.5 abroad (0.6 in the European Economic Area), 1 locally and 0.25 at supermarkets, petrol stations, utilities and other listed merchants. Complimentary Silver for the first year, kept with USD 2,500 of Emirates spend a year, unlimited lounge access for the cardholder through the Visa Airport Companion app and 2 airport transfers a year. AED 1,575 a year including VAT, minimum salary AED 10,000, and 25,000 welcome Miles after your first purchase within 30 days.

2.75 Miles per USD on Emirates and flydubai booked directly in dirhams, 1.5 on spending in other currencies, 1 on local spending and 0.25 on groceries, fuel, utilities, telecoms, government services, transport and other listed categories. Complimentary Skywards Silver, renewed each year while you meet the card's terms, and unlimited lounge access for you and a guest at 1,200+ lounges once you have made an international purchase of at least USD 1 on the card that calendar year, 15 days before you travel. AED 2,625 a year including VAT, minimum salary AED 30,000.

The same card as number 2 without the Gold fast track: 3.5 Miles per USD on Emirates and flydubai booked directly, 2 abroad (0.75 in Europe and the UK), 1.5 locally and 0.3 on groceries, fuel and bills. Complimentary Silver for as long as you hold the card, 1 complimentary lounge visit a year, 4 one-way airport transfers a year when you have paid for an Emirates flight with the card in the previous 6 months, and unlimited golf at 5 UAE courses in months you spend AED 10,000. AED 2,100 a year, minimum salary AED 35,000.

Emirates NBD's Skywards Infinite earns 2 Skywards Miles per USD on Emirates, Emirates Holidays, flydubai, duty free, online food delivery and car booking apps, 1.5 on international spend (0.75 in the EU and UK), 1 on local spend, and much less on groceries, fuel, bills and similar categories. It includes Skywards Silver for as long as you hold the card. Lounge access comes through the Visa Airport Companion app, under a yearly visit cap Emirates NBD does not publish and only after a foreign currency purchase of at least USD 1 in the year, made at least 10 days before the visit; otherwise a visit costs USD 32.

On its standard terms it is expensive to start: a joining fee of AED 3,148.95 and AED 1,575 a year, both including VAT, with a minimum salary of AED 30,000. When we checked on 6 October 2026, Emirates NBD's Skywards comparison page offered it with the first year free and up to 65,000 bonus Skywards Miles. The bank runs more than one welcome offer on this card at the same time, each with its own conditions: the card panel shows them, and the bank confirms which one applies when you apply.