ADIB Emirates Skywards Cards

Earn up to 3 Skywards Miles for every USD equivalent spent

With the ADIB Emirates Skywards Cards you can earn Skywards Miles on your everyday spends and enjoy unique travel and lifestyle benefits. 

To start, apply for a co-branded credit card today.

ADIB Emirates Skywards World Elite Card

  • Earn up to 3 Skywards Miles for every USD equivalent spend.
  • Emirates Skywards Silver membership for the primary cardholder. Primary cardholders can fast-track to Gold tier status upon spending AED 5,500 with Emirates.
  • Supplementary cardholders can fast-track to Gold tier status upon achieving qualifying spend.
  • 50,000 welcome bonus Miles
  • 70,000 milestone bonus Miles
  • Four complimentary Emirates Home check-in services within Dubai
  • Unlimited global airport lounge access for the primary cardholder and a guest via LoungeKey
  • Four complimentary airport transfers in the UAE
  • Exciting travel and lifestyle benefits
  • Annual fee: AED 4,500

ADIB Emirates Skywards World Card

  • Earn up to 2.5 Skywards Miles for every USD equivalent spend.
  • Emirates Skywards Silver membership for the primary cardholder. Primary and supplementary cardholders can fast-track to Gold tier status upon achieving qualifying spend.
  • 40,000 welcome bonus Miles
  • 20,000 milestone bonus Miles
  • Two complimentary Emirates Home check-in services within Dubai
  • Unlimited airport lounge access for the primary cardholder via LoungeKey
  • Two complimentary airport transfers in the UAE
  • Exciting travel and lifestyle benefits
  • Annual fee: AED 1,500

Important Information

Eligibility:

  • Age: 21
  • Minimum monthly income requirements:
    • ADIB Emirates Skywards World Elite Card: AED 25,000
    • ADIB Emirates Skywards World Card: AED 10,000
  • Card annual fee:
    • ADIB Emirates Skywards World Elite Card: AED 4,500
    • ADIB Emirates Skywards World Card: AED 1,500

Skywards Miles earning:

  • Earn Skywards Miles for every USD equivalent spend:
    • ADIB Emirates Skywards World Elite Card
      • Emirates and flydubai spends: 3 Miles
      • Foreign currency spends: 2 Miles
      • Local currency spends: 1.5 Miles
      • Specific category spends: 0.25 Miles
    • ADIB Emirates Skywards World Card
      • Emirates and flydubai spends: 2.5 Miles
      • Foreign currency spends: 1.5 Miles
      • Local currency spends: 1 Mile
      • Specific category spends: 0.25 Miles
  • Emirates and flydubai spends are categorised as transactions made on emirates.com, flydubai.com or at Emirates or flydubai sales offices or contact centres.
  • Local currency spends are defined as eligible transactions in AED currency.
  • Foreign currency spends are defined as eligible transactions in non-AED currency.
  • Specific category spends are defined as any outlet registered with Mastercard under categories like supermarkets, government services (e.g. fines, taxes, bonds), utilities, education, service/petrol stations, real estate agents, public transport (e.g. taxis, metro, buses), road tolls/Salik, charities/religious organisations.
  • Transactions that are not eligible to earn Skywards Miles include, but are not limited to:
    • balance transfers
    • cash withdrawals
    • purchase of travellers’ cheques
    • any fees and charges paid on the card account
    • card repayments
    • transaction classified as “security brokers/dealers”
    • transactions that the bank decides are disputed, unauthorised, illegal and/or fraudulent
  • Cardholders with any payment overdue or who are in breach of ADIB’s terms and conditions will not be eligible to earn Skywards Miles.
  • Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 5 business days of the transaction.
  • Skywards Miles earning is up to the credit limit assigned to the card for each statement cycle.
  • Skywards Miles earned from spends by supplementary cardholders will be credited to the primary cardholder's Emirates Skywards account.
  • The number of Skywards Miles earned from the card spend will be displayed on the primary cardholder's monthly card statement.
  • Where a refund is made on the card, the Skywards Miles total will be adjusted accordingly by the bank from subsequent Miles earnings.
  • Existing Emirates Skywards members have the responsibility to enter their existing membership number when applying for the card. The Emirates Skywards membership number entered must be for an Emirates Skywards account in the cardholder’s name.
  • If the cardholder is not an existing Emirates Skywards member, the personal information will be shared by ADIB with Emirates to enrol the cardholder in the Emirates Skywards loyalty programme.

Welcome bonus Skywards Miles:

  • Cardholders will earn bonus Skywards Miles upon making their first spend within 30 days from the card issuance date.
  • No minimum spend criteria is applicable.
  • The bonus Miles will be credited to the cardholder’s account within 30 days of the card statement.
  • This is a one-time benefit and will only be awarded to new cardholders. If a cardholder cancels their card and subsequently reapplies, the cardholder will not be eligible to earn the bonus Miles again.
  • If a cardholder upgrades their card, the cardholder will not be eligible for additional welcome bonus Skywards Miles for the new card type.
  • The number of bonus Miles awarded is subject to change at any time at the discretion of ADIB and Emirates Skywards.

Milestone bonus Miles:

  • Cardholders will earn a one-time bonus upon meeting the minimum annual spend criteria.
  • ADIB Emirates Skywards World Elite Cardholders will earn 70,000 bonus Skywards Miles upon achieving a spend threshold of AED 140,000 in the first six months from card issuance date.
  • ADIB Emirates Skywards World Cardholders will earn 20,000 bonus Skywards Miles upon achieving a spend threshold of AED 50,000 in the first six months from card issuance date.
  • The bonus Miles will be credited to the cardholder’s account within 30 days of the card statement.
  • If a cardholder upgrades their card, the cardholder will be eligible for additional milestone bonus Skywards Miles for the new card type.
  • The number of bonus Miles awarded is subject to change at any time at the discretion of ADIB and Emirates Skywards.

Emirates Skywards Gold / Silver membership:

  • ADIB Emirates Skywards World Elite Card
    • The Emirates Skywards Silver membership is available for the primary cardholder upon card issuance. The Silver membership will be valid as long as the ADIB Emirates Skywards World Elite Card terms and conditions are met.
    • The Emirates Skywards Gold membership is available for the primary cardholder on minimum spend of AED 5,500 on Emirates. Gold membership will be valid for 1 year. To retain Gold status, the above criteria applies or the member needs to qualify as per the Emirates Skywards Programme Rules.
    • The Emirates Skywards Gold membership is available for the supplementary cardholder on an additional minimum spend of AED 5,500 on Emirates and achieving a total spend threshold of AED 200,000 (including Emirates spend). Gold membership will be valid for 1 year. To retain Gold status, the above criteria applies or the member needs to qualify as per the Emirates Skywards Programme Rules.
  • ADIB Emirates Skywards World Card
    • The Emirates Skywards Silver membership is available for the primary cardholder upon card issuance. The Silver membership will be valid as long as the ADIB Emirates Skywards World Card terms and conditions are met.
    • The Emirates Skywards Gold membership is available for the primary cardholder on minimum spend of AED 5,500 on Emirates and on achieving a total spend threshold of AED 150,000 (including Emirates spend). Gold membership will be valid for 1 year. To retain Gold status, the above criteria applies or the member needs to qualify as per the Emirates Skywards Programme Rules.
    • The Emirates Skywards Gold membership is available for the supplementary cardholder on an additional minimum spend of AED 5,500 on Emirates and achieving a total spend threshold of AED 300,000 (including Emirates spend). Gold membership will be valid for 1 year. To retain Gold status, the above criteria applies or the member needs to qualify as per the Emirates Skywards Programme Rules.
  • The cardholder tier status will be updated within 10 days upon meeting the qualifying criteria.
  • An email confirmation of your tier status will be sent with instructions on how to view and download your digital card.
  • If the cardholder is an existing Emirates Skywards Gold member and has qualified for the tier status update, their Gold status will be extended for one year from the tier qualifying date.
  • If the cardholder is an existing Emirates Skywards Silver member at the time of card issuance, their Silver status will be extended for one year from the card issuance date.
  • If the cardholder is an existing Emirates Skywards Silver member and has qualified for the Gold tier status update, their Silver status will updated to Gold status for one year from the tier qualifying date.
  • If the cardholder is an existing Emirates Skywards Platinum member, their existing membership status will not be affected.
  • Emirates Skywards Programme Rules

Complimentary Emirates Home check-in service within Dubai

  • This benefit is available to all primary ADIB Emirates Skywards cardholders travelling on Emirates from Dubai address in any class of travel.
  • Home Check-in service applies to transportation of your checked baggage to the airport.

Complimentary lounge access via LoungeKey worldwide

  • The cardholder has access to all lounges under the LoungeKey programme offered by Mastercard.
  • The ADIB Emirates Skywards World Elite cardholder and a guest is entitled to unlimited access to more than 900 lounges worldwide.
  • The ADIB Emirates Skywards World cardholder is entitled to unlimited access to more than 900 lounges worldwide.
  • To avail this benefit, the card needs to be presented at the lounge reception.
  • For more details and applicable lounge locations please visit loungekey.com

Complimentary airport transfers in the UAE

  • This service is provided via a third party provider
  • The rides are capped at AED 150 in Dubai and Sharjah and AED 350 in Abu Dhabi, Al Ain and elsewhere in the UAE.
  • For bookings, contact the ADIB Call Centre at 800200

Additional travel and lifestyle benefits:

Complimentary golf privileges at selected locations in the UAE

  • The primary ADIB Emirates Skywards World Elite Card holder and a guest and primary ADIB Emirates Skywards World Card holder can enjoy a complimentary golf round at the participating golf courses:
    • The ELS Golf Club, Dubai
    • Arabian Ranches Golf Club, Dubai
    • Arabian Ranches Golf Club, Abu Dhabi
  • For bookings, contact the ADIB Call Centre +971800200

Travel inconvenience insurance:

To learn about the benefit and conditions please visit:

Travel medical insurance:

To learn about the benefit and conditions please visit:

Valet parking at selected locations in the UAE

  • The cardholder can avail of this service at selected locations across the UAE.
  • The ADIB Emirates Skywards World Elite Card or ADIB Emirates Skywards World Card must be presented at the location to avail the service.
  • This service is provided via a third party provider.
  • The valet parking benefit is applicable on standard parking only and not for VIP parking.
  • One visit is classified as the time permitted at that specific location. A visit could range from one hour to four hours.
  • Excess usage of the complimentary level permitted will be billed to your card.
  • Visit adib.ae/emirates for more details

10% off on Emirates Holidays

To avail this benefit, a member needs to transact with Emirates Holidays through the two sales channels mentioned below:

  • Retail Stores – The customer can visit the Emirates Holidays retail store and pay with their ADIB Emirates Skywards World Elite Credit Card and ADIB Emirates Skywards World Credit Card to receive 10% off.
  • Call centre – ADIB Emirates Skywards World Elite Credit Cardholders can call Emirates Holidays and provide their credit card number to make the payment and avail of the discount.

25% discount on Skywards ‘Buy Miles’ and ‘Gift Miles’

  • The ADIB Emirates Skywards World Elite Credit Card and ADIB Emirates Skywards World Credit Card offers you a 25% discount when you buy Skywards Miles for self or as a gift Skywards Miles to another Skywards Member.
  • Skywards Miles can be purchased online by visiting emirates.com/ae. You need to log-in to your Emirates Skywards account and follow the Buy Miles process or the Gift Miles process.
  • The 25% discount will automatically be added when you check-out to pay for the Miles, so long as you are logged in to your Skywards Account and pay with your ADIB Emirates Skywards World Elite Credit Card and ADIB Emirates Skywards World Credit Card.
  • Skywards Miles can be bought by and gifted to Skywards Members who have at least one prior earning activity in their Emirates Skywards Account, earned by flying on Emirates or a Partner airline or through a Partner transaction
  • The minimum number of Skywards Miles that can be bought or gifted is 2,000 Miles and further increments can only be bought or gifted in blocks of 1,000 Miles.
  • 100,000 Miles in a calendar year is the combined maximum a member can purchase for self through the Buy Miles products and receive as a gift through the Gift Miles product
  • Refunds in respect of Skywards Miles purchased are not permitted, unless required by law.
  • Skywards Miles will be credited to the Emirates Skywards Account within 48 hours after full and successful payment.
  • Tier Miles cannot be bought or gifted.
  • All other terms detailed in the Emirates Skywards Programme Rules
  • Emirates Skywards programme rules apply.
  • ADIB terms and conditions apply.