Access your Emirates Skywards or Business Rewards account
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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.
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.
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.*
In addition to earning Miles with the Emirates Skywards Credit Card Accounts, you can enjoy a host of additional benefits.
All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.
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.
The Skywards Miles programme is provided by Emirates. Emirates Skywards programme rules apply.
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:
6 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 +44 344 800 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.
9 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.
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