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MBNA

MBNA has issued credit cards in the UK since 1993 and now offers a range of credit cards, in particular, competitive balance transfer and rewards cards.

 

Take Advantage Today

With the Emirates Skywards Credit Card Account and Emirates Skywards Elite Credit Card Account, you earn Miles1 whenever you spend on your cards and additional Miles when you spend with Emirates2. Each account includes two cards, designed to work seamlessly together so you can earn Miles even faster.

Find out if you are eligible before applying. As part of the eligibility check a quotation search will be carried out which won’t show up on your credit record as full search so it won’t affect your credit rating.

Eligibility for this credit card depends on your circumstances and the results of the eligibility check.

Emirates Skywards Elite Credit Card Account

 
Emirates Skywards Elite Credit Card Account
  • Welcome bonus of 10,000 Miles3 when you make a card purchase within 90 days of your account opening
  • Earn 2 Miles for every GBP 1 you spend on your American Express® Credit Card
  • Earn 4 Miles for every GBP 1 you spend directly with Emirates2 on your American Express® Credit Card
  • Earn 2 Miles for every GBP 2 you spend on your Visa Credit Card
  • Earn 4 Miles for every GBP 2 you spend directly with Emirates2 on your Visa Credit Card
  • Annual fee of GBP 150

Remember to stay within your limit and make your monthly payments on time, otherwise you'd lose the promotional offers on your account and pay the standard interest rate instead.*

 

Emirates Skywards Credit Card Account

 
Emirates Skywards Elite Credit Card Account
  • Welcome bonus of 5,000 Miles3 when you make a card purchase within 90 days of your account opening
  • Earn 1 Mile for every GBP 1 you spend on your American Express® Credit Card
  • Earn 2 Miles for every GBP 1 you spend directly with Emirates2 on your American Express® Credit Card
  • Earn 1 Mile for every GBP 2 you spend on your Visa Credit Card
  • Earn 2 Miles for every GBP 2 you spend directly with Emirates2 on your Visa Credit Card
  • No annual fee

Remember to stay within your limit and make your monthly payments on time, otherwise you'd lose the promotional offers on your account and pay the standard interest rate instead.*

 

Additional benefits

 

In addition to earning Miles with the Emirates Skywards Credit Card Accounts, you can enjoy a host of additional benefits.

Emirates Skywards Credit Card Account Emirates Skywards Elite Credit Card Account
No annual fee GBP 150 annual fee
0% on Emirates flights for up to 12 months from the date your account is opened4. When this offer comes to an end a standard rate of 22.9% p.a. applies 0% on Emirates flights for up to 12 months from the date your account is opened4. When this offer comes to an end a standard rate of 22.9% p.a. applies
25% discount on the purchase of Skywards Milesexclusively with American Express® 25% discount on the purchase of Skywards Miles5 exclusively with American Express®
10% discount with Emirates Holidays6 exclusively with American Express® 10% discount with Emirates Holidays6 exclusively with American Express®
0% on balance transfers for up to 6 months from your account opening. (3% handling fee). This offer only applies to transfers made in the first 90 days. When this offer comes to an end, and for transfers made after 90 days, a standard rate of 22.9% p.a. applies (5% handling fee) An Emirates Skywards Companion Reward Saver Business Class or Saver Economy Class ticket when you spend more than GBP 15,000 in a year and purchase a Flex Fare in Emirates Business Class or Economy Class7
GBP 150 discount on the price of a First Class or Business Class ticket every year8
Emirates Business Class Check-in for Economy Class travellers9
0% on balance transfers for up to 6 months from your account opening. (3% handling fee). This offer only applies to transfers made in the first 90 days. When this offer comes to an end, and for transfers made after 90 days, a standard rate of 22.9% p.a. applies (5% handling fee)

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

 

Important Information

 

If you make card purchases, you will pay interest on these transactions, unless you pay your statement balance in full, every month or if you have a retail promotional interest rate of 0% on your account.

1 Every GBP 1 you spend on the Emirates Skywards American Express® Credit Card, Emirates Skywards Visa Credit Card, Emirates Skywards Elite American Express® Credit Card and Emirates Skywards Elite Visa Credit Card earns you Skywards Miles. Cash advances, money transfers, and balances you transfer to MBNA Limited do not earn Skywards Miles. Cash substitute transactions (such as non-sterling currency), casino and gambling type transactions, finance charges, default charges, interest, payment protection insurance premium and fees (including non-sterling transaction fees and card fees) do not earn Skywards Miles (unless we inform you otherwise). We may withhold or withdraw Skywards Miles accrued or earned on card purchases made whilst your account balance is in credit.

The number of Skywards Miles earned each month from credit card spend will be displayed on your monthly credit card statement, and will then be added to your Emirates Skywards account within 30 days of the statement date. Please note it is not possible to allocate Skywards Miles to your account before they have appeared on your statement. Where a refund is made on your card, your Skywards Miles total will be adjusted accordingly. If your Emirates Skywards Credit Card Account or Emirates Skywards Elite Credit Card Account is closed before the production of your next statement, then any Miles you have earned during the current statement period will be lost. Skywards Miles can be suspended or cancelled if you are in breach of your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. If you are already an Emirates Skywards member it is your responsibility to enter your existing membership number on this application. Failure to do so will result in automatic duplicate enrolment into Emirates Skywards. Please note the Emirates Skywards membership number you give us must be for an Emirates Skywards account in your name. If you have any additional card members on your card account, any Skywards Miles they earn by spending on their cards will also be credited to your Emirates Skywards account. Your personal information will be processed by Emirates to enrol you in the Emirates Skywards programme and calculate and apply the amount of any rewards you earn. Full details of the loyalty programme can be found at emirates.com/uk.

2 This applies to Emirates flights and Emirates Holidays booked through emirates.com/uk and emiratesholidays.co.uk only.

3 You will earn 5,000 Skywards Miles on your Emirates Skywards Credit Card Account or 10,000 Skywards Miles on your Emirates Skywards Elite Credit Card Account, if you make your first card purchase within 90 days of your account opening date. Please allow six to eight weeks for bonus Miles to be added to your account.

4 This applies to Emirates flights booked via emirates.com/uk.

5 This offer allows you a discount of 25% when you purchase up to 25,000 Skywards Miles in a calendar year. The minimum number of Miles that can be purchased is 2,000. Skywards Miles can be purchased online by visiting emirates.com/uk. Log in to your Emirates Skywards account and follow the Purchase Miles process. The 25% discount will automatically be added when you check out to pay for the Miles providing you use your Emirates Skywards American Express® Credit Card or Emirates Skywards Elite American Express® Credit Card. Emirates Skywards Purchase of Miles rules apply:

  • Tier Miles cannot be purchased.
  • Skywards Miles can only be purchased in blocks of 1,000.
  • Purchased Skywards Miles are non-refundable.
  • A maximum of 25,000 Skywards Miles can be purchased by or for any Emirates Skywards member in a calendar year.
  • You must have at least one earning activity in your Account (earned by flying on Emirates or through a Partner transaction) to be eligible to purchase or receive Miles.
  • Miles must be purchased at least 48 hours before booking.

This offer allows you a discount of 10% when you make a booking with Emirates Holidays. Quote ‘MBNA 10%’ at the time of confirming the booking in order to qualify for the discount. To view Emirates Holidays deals visit emiratesholidays.co.uk and call our dedicated travel consultants on +44 20 8972 8950 to book. Purchases must be made with your Emirates Skywards American Express® Credit Card or Emirates Skywards Elite American Express® Credit Card for discounts to apply. The 10% discount is not combinable with any other offer. Emirates Holidays charge a 2% fee for credit card payments. The discount is not valid for bookings made via travel agents, online or for flight only bookings. Valid for new bookings only.

7 Spend GBP 15,000 on card purchases on the Emirates Skywards Elite Credit Card Account by the end of any year and you will be eligible to receive a complimentary return Emirates Skywards Companion Reward ticket. A year is defined by the 12 month period starting from the date your Emirates Skywards Elite Credit Card Account was opened. The card member can only earn one Emirates Skywards Companion Reward in any one year. An Emirates Skywards Companion Reward is bookable and valid for 12 months from the date of issue. Card purchases exclude cash advances, money transfers and balance transfers. MBNA will notify Emirates of your eligibility within 30 days of you becoming eligible. Emirates will email you confirmation that you have earned an Emirates Skywards Companion Reward, along with the booking process. The card member must purchase a Flex Fare in Business Class or Economy Class (W or M) at the same time when using this offer. The Emirates Skywards Companion Reward must be booked on the same flight itinerary, on the same flights and cabin class. Offer is only applicable on flights from all Emirates UK gateways: Birmingham, Glasgow, London Gatwick, London Heathrow, Manchester and Newcastle. The Emirates Skywards Companion Reward will be booked as a Business Class or Economy Class Saver Reward, Reward upgrades are not permitted. Once a ticket has been issued, it is non-refundable and no change other than a date change is permitted, for a fee. Emirates Skywards Saver reward terms & conditions apply. Please visit emirates.com/english/Skywards/about/skywards-programme-rules.aspx. Maximum stay of 3 months is permissible and a date change fee of USD 25 is applicable on the Emirates Skywards Companion Reward. Card members must pay taxes, fees and charges relating to the Emirates Skywards Companion Reward. Emirates Skywards Companion Rewards are not valid for flights purchased through Emirates Holidays. Other exemptions include flights purchased at promotional rates, group fares or other selected discount levels.

All Emirates Skywards Companion Reward travel is strictly subject to availability. The number of reward seats available on each flight is restricted and it is possible that the seats allocated on a particular flight may be fully booked, even though seats are still available for sale. Some flights may have no availability on certain routes, and popular dates will fill quickly (i.e. weekends, school holidays and public holidays) and Emirates cannot guarantee availability. Information online regarding Emirates latest reward seat availability is a guide only and is correct at time of publication. This offer may be withdrawn or amended at any time. Emirates Skywards terms and conditions apply, please visit emirates.com/english/Skywards/about/partners/our-partners.aspx. You will not earn this incentive if you have not provided MBNA with a valid Emirates Skywards membership number. To book your Emirates Skywards Companion Reward, ring +44 844 800 2777 and identify yourself with your Emirates Skywards membership number to the answering agent.

8 Make a card purchase on the Emirates Skywards Elite Credit Card Account within 90 days of your account opening and you will be eligible to receive a GBP 150 discount (equivalent to your annual fee) on an Emirates marketed and operated flight valid for 12 months from the date of your first purchase using this card. MBNA will notify Emirates of your eligibility within 30 days of you becoming eligible. Emirates will email you confirmation that you have earned the GBP 150 discount, along with your promotion code and booking process. Please allow six to eight weeks for Emirates to contact you. The GBP 150 discount can be applied to a Business Class or First Class booking only and will be discounted from the quoted price, when booked via emirates.com/uk. Offer is only applicable on one way and return flights where your EK booking commences from one of the Emirates UK gateways: Birmingham, Glasgow, London Gatwick, London Heathrow, Manchester and Newcastle. Please note that Ireland is not a UK gateway and this offer does not apply for flights commencing in Ireland or anywhere outside of the UK gateways mentioned above. The discount cannot be used in conjunction with any other offer, including the companion reward offer. The discount only applies to tickets booked and paid for by the card member. The promotional code can only be used against one booking. It is unique to you and is non-transferable. Combining First Class and Business Class may be allowed and fare basis rules apply in this regard, Note that Economy Class may not be booked or combined with this offer.

You can check-in at the Emirates Business Class check-in desks at all UK airports when travelling in Economy Class, when your ticket has been purchased with your Emirates Skywards Elite Credit Card. This applies to any Economy booking class. You may utilise this facility unlimited times when travelling Economy Class. This benefit is only applicable to the main cardholder. Simply present the Emirates Skywards Elite Credit Card used to make your booking, along with your Economy Class ticket, to the check-in agent.

*Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The Emirates Skywards Credit Card Accounts are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

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