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Emirates NBD

As one of the leading banks in the United Arab Emirates, Emirates National Bank of Dubai (Emirates NBD) offers both corporate and retail banking and a wide range of financial products and services. Explore and enjoy a world of travel and lifestyle perks with our specially-designed, co-branded cards.

Take Advantage Today

Earn Skywards Miles on your everyday spends and enjoy additional airport, travel benefits and more. To get started, apply for a co-branded card.

Emirates NBD Skywards Infinite Card

Emirates National Bank of Dubai_Infinite
  • Earn bonus Skywards Miles1:
    • 25,000 Miles upon payment of joining fee
    • 25,000 Miles when you spend an equivalent of USD 25,000 in the first 3 billing months
    • 25,000 Miles when you spend an equivalent of USD 7,500 on emirates.com in the first 12 billing months
  • Earn Skywards Miles per USD equivalent spend2:
    • Emirates spends: 2 Miles
    • Foreign currency spends: 1.5 Miles
    • Local currency spends: 1 Mile
    • 50% additional Miles with the Express Miles programme
  • Emirates Skywards Silver membership for the primary cardholder3
  • Airport lounge access for the cardholder and a guest to over 850 lounges worldwide via LoungeKey4
  • Easy Payment Plan with Emirates5
  • Complimentary green fees at selected golf clubs in UAE6
  • International concierge services7
  • Complimentary travel insurance7
  • Complimentary Rotana Exclusive Club membership8
  • Dining discounts in the UAE9
  • Free supplementary cards
  • Joining Fee: AED 2,99910
  • Annual Fee: AED 1,50010

Emirates NBD Skywards Signature Card

Emirates National Bank of Dubai_Signature
  • Earn bonus Skywards Miles1:
    • 10,000 Miles upon payment of joining fee
    • 10,000 Miles when you spend an equivalent of USD 10,000 in the first 3 months
    • 10,000 Miles when you spend an equivalent of USD 3,750 on emirates.com in the first 12 months
  • Earn Skywards Miles per USD equivalent spend2:
    • Emirates spends: 1.5 Miles
    • Foreign currency spends: 1 Mile
    • Local currency spends: 0.75 Miles
  • Airport lounge access for the cardholder to over 850 lounges worldwide via LoungeKey4
  • Easy Payment Plan with Emirates5
  • Complimentary green fees at selected golf clubs in the UAE6
  • International concierge services7
  • Complimentary travel insurance7
  • Dining discounts in the UAE9
  • Free supplementary cards
  • Joining Fee: AED 1,49910
  • Annual Fee: AED 70010

Emirates NBD Skywards Savings Account and Visa Debit Card

Emirates National Bank of Dubai_Signature

Open an Emirates NBD Skywards Savings Account with a minimum opening balance of AED 500,000. You then get the Emirates NBD Skywards Visa Debit Card with the below benefits.

  • Earn bonus Skywards Miles1:
    • 25,000 Miles upon payment of joining fee
    • 25,000 Miles on maintaining a minimum average monthly account balance of AED 750,000 on the third month of account opening
  • Earn up to 5 Skywards Miles on all your spends, depending on your average monthly account balance2:
    • 1 Mile for local (AED) currency spends and 1.25 Miles on foreign (non-AED) currency spends on average monthly account balance of AED 250,000 – 499,999
    • 2 Miles for local (AED) currency spends and 2.25 Miles on foreign (non-AED) currency spends on average monthly account balance of AED 500,000 – 999,999
    • 4 Miles for local (AED) currency spends and 5 Miles on foreign (non-AED) currency spends on average monthly account balance of AED 1,000,000 and above
  • Emirates Skywards Silver membership for the primary cardholder3
  • Airport lounge access for the cardholder and a guest to over 900 lounges worldwide via LoungeKey4
  • International concierge services7
  • Complimentary travel insurance7
  • Dining, fitness and entertainment discounts in the UAE9
  • Up to 0.25% interest p.a. on the saving account balance
  • Joining Fee: AED 2,50010
  • Monthly Fee from the second year onwards: AED 20010

Important Information

Income and eligibility criteria applies:
  • Emirates NBD Skywards Infinite Credit Card: monthly income AED 30,000
  • Emirates NBD Skywards Signature Card: monthly income AED 15,000
  • Emirates NBD Skywards Savings Account and Visa Debit Card: minimum opening balance of AED 500,000
  1. Bonus Skywards Miles
    • The bonus Skywards Miles upon payment of joining fee is a one-time bonus for new cardholders only and awarded on payment of the joining fee in full. If the cardholder cancels and subsequently re-applies for the card, the cardholder will not be eligible to earn the bonus Skywards Miles again. Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 6-8 weeks of the statement date.
    • Emirates NBD Skywards Savings Account and Visa Debit Cardholders will earn 25,000 bonus Skywards Miles for maintaining a minimum average monthly account balance of AED 750,000 on the third month of account opening. The bonus Miles will be credited to the cardholder's Emirates Skywards account within 45 days of meeting the criteria.
    • Emirates NBD Skywards Infinite Credit Cardholders will earn 25,000 bonus Skywards Miles for an equivalent spend of USD 25,000 or more during the first three billing months and Emirates NBD Skywards Signature Credit Cardholders will earn 10,000 bonus Skywards Miles for an equivalent spend of USD 10,000 or more during the first three billing months. The bonus Miles will be credited to the cardholder’s Emirates Skywards account within 4 weeks after the spending criteria is met.
    • Emirates NBD Skywards Infinite Credit Cardholders will earn 25,000 bonus Skywards Miles for an equivalent spend of USD 7,500 or more during the first 12 billing months and Emirates NBD Skywards Signature Credit Cardholders will earn 10,000 bonus Skywards Miles for an equivalent spend of USD 3,750 or more during the first 12 billing months. The bonus Miles will be credited to the cardholder’s Emirates Skywards account within 4 weeks after the spending criteria is met.
  2. Skywards Miles earning per USD equivalent spend
    • Eligible spends are retail spends made on the card except for cash advances, balance transfers, conversion to instalment plans, any fees and charges paid on the card account, Dial-a-cheque, credit voucher with any internal calculations with purchase of foreign currency with transactions conducted at Exchange Houses with utility bill payments made through Emirates NBD Banknet Online and/or by utilizing any other payment channel provided by Emirates NBD with purchase of savings certificates, bonds and other debt instruments with transactions that the Bank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent.
    • Emirates spends are categorised as transactions made on emirates.com or at the Emirates Sales office.
    • Foreign currency spends are categorised as transactions in non-AED currency.
    • Local currency spends means any eligible transaction in AED currency. Transactions made outside the UAE in AED currency will be classified as local spends.
    • Spends made under the category “Insurance”, “Car dealership related”, “Grocery and Supermarkets” will earn 25% of the local currency spend Miles. Spends made under the category “Real estate”, “Education”, “Petroleum”, “Government Services”, “Bill Payments (including utility and Telecommunication)” will earn 10% of the local currency spend Miles as defined by VISA.
    • With the Express Miles programme, Infinite credit cardholders can earn 50% additional Skywards Miles every month, by paying a nominal monthly fee. For more information visit Emirates NBD Skywards Miles.
    • For credit cardholders, Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 6-8 weeks of the statement date. For debit cardholders, Skywards Miles will be credited to the primary cardholder’s Emirates Skywards account within 3 weeks from the statement date. 
    • If there are any supplementary cardholders linked to the card account, any Skywards Miles they earn by spending on their cards will also be credited to the primary cardholder’s Emirates Skywards account.
    • The number of Skywards Miles earned from credit card spend will be displayed on the primary cardholder's monthly credit card statement.
    • Where a refund is made on a card, the Skywards Miles total will be adjusted accordingly by Emirates NBD from subsequent Miles earnings.
    • Current Emirates Skywards members have the responsibility to enter their existing membership number when applying for the card. Please note, 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 the Bank with Emirates to enrol the cardholder in the Emirates Skywards programme.
    • Emirates Skywards programme rules apply.
  3. Emirates Skywards Silver membership
    • The Emirates Skywards Silver membership is available for the primary cardholder.
    • The Silver membership will be valid as long as the Emirates NBD Skywards Infinite Credit Card  and Debit Card is active.
    • Please allow up to 8 weeks upon payment of the joining fees to be enrolled or upgraded to Emirates Skywards Silver tier status.
    • An email confirmation of your tier status will be sent with instructions on how to view and download your Emirates Skywards Silver digital card.
    • If the cardholder is an existing Emirates Skywards Gold or Platinum member, their existing membership status will not be affected.
    • Emirates Skywards programme rules apply.
  4. Lounge access via LoungeKey
    • The cardholder can use all lounges under the LoungeKey programme offered by VISA.
    • The Emirates NBD Skywards Infinite Card and Debit Card holder and a guest is entitled to unlimited access to more than 850 lounges worldwide.
    • The Emirates NBD Skywards Signature Card holder is entitled to unlimited access to more than 850 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 .
  5. Easy Payment Plan with Emirates
    • All Emirates tickets purchased on emirates.com above AED 500 can be converted into three months Easy Payment Plan.
    • To take advantage of this payment option, simply book and purchase tickets at emirates.com using the Emirates NBD Skywards Credit Card, and immediately apply for the payment option once your online purchase is complete, using the link provided on the booking confirmation page. Terms & conditions apply.
  6. Complimentary green fees at selected golf clubs in the UAE
    • The cardholder can avail of this benefit at the following golf courses:
      • The Track Meydan Golf Club
      • Address Montgomerie
      • Arabian Ranches Golf Club
      • Sharjah Gold and Shooting Club
      • Yas Links Golf Club
    • A ‘no show’ fee will be charged. Charges vary from course to course.
    • A nominal processing fees of AED30 is applicable per booking.
    • This benefit is capped at twice a month.
    • Minimum spend criteria of AED 5,000 per month applies to take advantage of this benefit.
  7. International concierge service and Complimentary travel insurance
    • These benefits are offered by VISA.
    • To avail these benefits the cardholder simply needs to pay for the service using their primary Emirates NBD Skywards Infinite or Signature Card.
    • Emirates NBD Skywards Infinite Credit Card holders can visit visamiddleeast.com/infinite for more information.
    • Emirates NBD Skywards Signature Credit Card holders can visit visamiddleeast.com/signature for more information.
    • Alternatively, you may call 8000 441 3487 (UAE toll-free) or +61 2 9947 1445 (overseas)
  8. Complimentary Rotana Exclusive Club membership>
    • Complimentary membership is valid for the first year only.
    • On payment of the joining fees the primary cardholder will be issued a voucher which can be redeemed for Rotana Exclusive Membership.
  9. Dining discounts in the UAE
    • The cardholder can avail up to 30% discount at over 2,000 restaurants across the UAE, Middle East and Europe.
    • For more details, please visit https://www.emiratesnbd.com/en/deals/bon-appetit/
  10. Annual fee and Joining fee
    • Joining fee of AED 2,999 for the Emirates NBD Skywards Infinite Credit Card, AED 1,499 for the Emirates NBD Skywards Signature Credit Card and AED 2,500 for the Emirates NBD Skywards Savings Account and Visa Debit Card is applicable on the first year only.
    • Annual fee of AED 1,500 for the Emirates NBD Skywards Infinite Card and AED 700 for the Emirates NBD Skywards Signature Card is applicable for subsequent years.
    • Monthly fee of AED 200 for the Emirates NBD Skywards Savings Account and Visa Debit Card is applicable for subsequent years.