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Miles/Rewards Earning Mechanism

For 1 USD:

  • 3.50 Skywards Miles when you spend at Emirates Airlines.
  • Up to 2 Skywards Miles when you spend internationally (Non AED currency spend).
  • Up to 1.50 Skywards Miles on Domestic Spend (AED currency spend).

Why We Choose It

  • Exceptional miles earning rates.
  • Exceptional benefits.
  • Relatively low APR.
  • Flexibility on the annual fee: with or without Emirates Gold Status.

Welcoming Gift/Bonus

Limited-time offer: Earn 2 extra Skywards Miles per USD 1 on hotel, flight, and car rental bookings via the ExtraMiles App.

Annual Fee (inclusive of Vat)

With fast track to Gold tier – AED 5,775 – Without fast track to Gold tier – AED 2,100

Minimum Salary Requirement

AED 50,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%

Airlines Program:

Emirates Skywards Program

Key benefits

  • Global Lounge Access for two persons.
  • Emirates Skywards Silver status.
  • Skywards Gold Tier Membership for Supplementary Cardholder.
  • Fast track to Gold status ( Cardholder will be awarded Gold status for 1 year by spending a minimum of USD 5,000 ( equivalent to AED 18,365) on Emirates Airlines.
  • 25% discount on Skywards ‘Buy Miles and ‘Gift Miles’.

Other benefits

  • Unlimited complimentary golf on any day of the week ( minimum spend of AED 10,000 per month).
  • 3 complimentary valet parking services per month at select locations across the UAE.
  • 4 “Buy 1 Get 1” movie tickets each month for VOX, and 20% off at Roxy Cinemas.
  • 4 complimentary airport transfers per calendar year.
  • 2 complimentary Mahaba Meet & Greet services per year.
  • Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.

Why We Choose It

  • Exceptional miles earning rates.
  • Exceptional benefits.
  • Relatively low APR.
  • Flexibility on the annual fee: with or without Emirates Gold Status.

What We Did Not Like

  • High annual fee.

You ask, we answer

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.