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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

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

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