Credit Card in UAE

Emirates NBD Skywards Infinite Credit Card

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Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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Emirates National Bank of Dubai (NBD) is one of the best-performing banking services providers in the UAE. The bank offers unique features and benefits with all the products, including bank accounts, loans, credit cards, mortgages, foreign exchange, wealth and insurance solutions and much more for both individual and corporate clients.

The Emirates NBD Skywards Infinite Credit Card offers a host of lifestyle and travel benefits. The cardholders can fly high using the world of amazing deals and discounts, along with the Skyward miles offers. They can also meet their various needs by availing a lot of other necessary banking services offered on this Emirates NBD Credit Card.

Emirates NBD Skywards Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1500
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits

Features of the Emirates NBD Skywards Credit Card

Here are the major features that the Emirates Skywards Infinite Credit Card offers for cardholders. 

Concierge Desk

Members of the Emirates NBD Skywards Infinite Credit Card get enrolled into the bank's concierge services automatically. The concierge desk of the bank takes care of the cardholders' time-consuming work. The services included under concierge are as follows:

  • Transfer from Airports - Up to 4 drops in the UAE in one year.
  • Submission of the visit visa at the Abu Dhabi and Dubai airports - six times a year.
  • Picking up and delivering the car in Abu Dhabi and Dubai for servicing and registration of the car once a year.
  • Courier services (local) within the UAE - a maximum of 12 times in a year.

Contactless Payments

Cardholders can avail the facility of paying quickly and conveniently using this Emirates NBD Card. They can use their smartwatch or phone to make secure and fast contactless payments using this card.

Easy Instalment Plan

Using the easy installment plan (EPP) on this credit card, cardholders can purchase a variety of items including home decor, jewelry, electronics, and much more at the participating vendors. They can make payments in easy-to-pay monthly installments at a zero percent interest rate for a tenure of 6 to 12 months.

Auto Salik Top-up

Emirates NBD Skywards Infinite Credit Card includes the option of setting up automatic Salik recharge through online or mobile banking as soon as the balance gets reduced. The credit limit on the card is used up to the extent of the top-up amount.

Utility Bill Payment

Cardholders can also use this Emirates NBD credit card to make convenient online payments of their DEWA, Etisalat, and Emirates Post (Empost) bills.

Interest-Free Period

The Emirates NBD Skywards Infinite Credit Card offers its cardholders up to a period of 55 days in which no interest will be levied on their outstanding balance. However, this facility can be availed only if the cardholder continues to make payment in full of the outstanding balance before the payment due date.

Flexi Payment Options

This Emirates Credit Card offers the cardmembers the facility to make payments as small as 5% of the outstanding balance every month and carrying over the remaining balance to the following statement. The cardholders have the flexibility to pay 5, 10, 25, 50, or 100 percent of the outstanding balance on their card every month.

Moreover, cardholders can make the payments on their card through any of the following options-

  • Debiting the Current or Savings account of the cardholder at Emirates NBD through standing instruction.
  • Making payments in cash through the branches of Emirates NBD, cash deposit machines at these branches and at the UAE and Al-Ansari Exchange branches.
  • Making payments online if the cardholder is an account holder of a current/savings account at Emirates NBD.

Instant Cash

Cardmembers can avail of the instant cash facility wherein they can get immediate access to 50% (maximum) of their credit limit in the form of cash through this Emirates NBD Credit Card at 810,000+ ATMs or at any branch of the bank (over the counter) across the globe that has the MasterCard or Visa symbols.

SMS Alerts

Cardmembers receive alerts through SMS on each transaction they make using their Emirates NBD Skywards credit card. In this way, they can identify the unauthorised use (if any) immediately.

Online Access

Cardmembers can also enjoy online access to their card account from wherever they are. Through this online access, they can easily monitor their transactions and the balance on their cards and can also make payments using their account at Emirates NBD.

Customer Care

This bank provides friendly and helpful customer care service to the cardholders, which helps in resolving their issues and queries in an elaborate way. The customer care executives are available 24/7 for solving the grievances of the cardholders.

DoubleSecure

Emirates NBD DoubleSecure is an advanced security feature that entitles the members of this credit card to shop at participating online merchants in an easy & safest manner. 

Cardholders just need to enter a one-time authentication code when they make any transaction using this credit card. The authentication code will be sent on the registered mobile number as an SMS or on the cardmember’s registered email address. In this way, even if someone already knows the credit card number, they will not be able to complete the transaction without entering that authentication code.

Protect Plus Insurance

Under this insurance scheme, cardholders can spend on their card with an assurance that in case of any unfortunate event such as death, involuntary loss of job, total permanent disability or critical illness, the outstanding balance on their credit card will be waived off. They can avail of a free cover for 2 months, while they will be charged a nominal fee on the outstanding balances on their credit card subsequently.

Purchase Protection

When the cardholders pay using this Emirates NBD Skywards Infinite Credit Card, they might get benefits of purchase protection in case of stolen, lost or damaged goods for up to 1 year from the date of purchase.

Extended Warranty

When the cardholders use Emirates NBD Skywards Infinite Credit Card to make payment for their purchases, the items they purchase can be eligible for the extended warranty benefit. Under this benefit, the original warranty given by the manufacturer on the items bought using this card doubles up automatically.

Fraudulent Card Misuse Protection

This Emirates NBD credit card is protected against all kinds of fraud or unauthorised transactions that can be made by unknown third parties. This insurance advantage will give reimbursement of a maximum of US$ 3000 per occurrence with an annual aggregate limit of US$ 5000.

Multi-Trip Travel Insurance

This Emirates NBD credit card offers multi-trip travel insurance to its cardholders. Here are the coverage details:

  • Personal accident benefits for a maximum of USD 500,000 (international).
  • Personal accident benefits for a maximum of USD 100,000 (local).
  • Hospital daily cash benefit of $100/per day for a maximum of USD 3000.
  • Emergency medical expenditures for a maximum of USD 1,000,000.
  • Repatriation & evacuation expenditures for a maximum of USD 500,000.
  • Delayed departure benefit for a maximum of USD 1000.
  • Trip cancellation or curtailment benefit for a maximum of USD 7500
  • Personal belongings loss cover for a maximum of USD 2500.
  • Delayed baggage cover for a maximum of USD 500.

Note: Please note that it covers the primary cardholder, spouse and 5 children (maximum); age limit of 80 for all people.

Benefits of Using an Emirates NBD Skywards Infinite Credit Card

Here are the major benefits that the Emirates Skywards Infinite Credit Card offers to the cardholders.

Rotana Rewards Exclusive Membership

Members of Emirates NBD Skywards Infinite Credit Card get enrolled for free first year Rotana Rewards Exclusive membership.

Complimentary Emirates Skywards Silver Membership

Cardholders can enjoy a free Emirates Skywards Silver Membership. This membership offers the cardholders exclusive benefits such as allowance of 12kgs extra checked baggage, business class check-in, access to Emirates Business Class Lounge in Dubai and 25% bonus Skywards Miles.

The membership for the silver tier will be valid until the Emirates NBD Skywards Infinite Credit Card remains active. The benefits offered in this membership are governed by Skywards terms & conditions.

Access to Airport Lounges

Cardholders and one accompanying guest can avail unlimited access at more than 1000 premium airport lounges in over 300 cities around the world, not considering their travel or airline class. They simply have to show their Emirates NBD Skywards Infinite Credit Card at the airport lounge reception and avail of lounge access under the Lounge Key program.

Free Valet Parking

Cardholders can also enjoy a maximum of 4 free valet parking (for one hour) at a few famous shopping malls in the UAE including-

  • Yas Mall
  • Ferrari World
  • Yas Waterworld
  • Khalidiya Mall

They simply need to show their Emirates Skywards Credit Card at the location of the valet service. The additional valet parking for every hour is charged at AED 30. These services are valid for standard valet parking only and not for the VIP one.

Golf Privileges

Cardholders can avail of enhanced offers on golf courses with their Emirates NBD Skywards Credit Card. They can enjoy free golf at five top golf courses around the UAE. The golf courses included in this benefit are-

  • Sharjah Golf & Shooting Club
  • The Track Meydan Golf Club
  • Trump Golf Club
  • Arabian Ranches Golf Club
  • Yas Links Golf Club

Note: Please note that the cardmember can enjoy the free golf benefits two times a month only. 

Decease Cover

Emirates NBD Skywards Infinite Credit Card provides a decease cover of up to AED 300,000 for all the cardholders in the event of their unfortunate demise.

Medical & Travel Assistance

Members of this ENBD credit card can travel around the world knowing their elite status will keep them protected. Moreover, they can get the following services:

  • Medical advice on telephone
  • Medical service provider referral
  • Legal referral
  • Interpreter referral
  • Medical evaluation & repatriation
  • Monitoring medical condition pre and post hospitalisation
  • Delivery of essential equipment and medicines
  • Dispatch of physician to a current location of the cardholder

Worldwide Customer Assistance Services

This service is provided to cardmembers for giving them personal support & top-class customer service during their travel, thereby offering the following essential services when they require it the most:

  • Emergency replacement of a card
  • Emergency payment authorisation
  • Reporting of a lost or stolen credit card
  • Emergency cash of USD 5000 (maximum)

Concierge digital services

The cardmember can enjoy access to digital concierge services in addition to email & telephone service.

Job Loss Cover

Members of Emirates NBD Skywards Infinite Credit Card get a job loss cover of up to AED 60,000 in the event of a sudden loss of employment. The cardholders can avail of this benefit for the duration of 12 months or until they join a new job and get re-employed.

Global Customer Support

Members of Emirates NBD Skywards Credit Card can get global customer assistance services such as emergency card replacement, emergency payment authorisation, emergency cash and more.

Roadside Assistance

This Emirates NBD Card offers complimentary roadside assistance to the cardmembers round-the-clock. It includes towing, recovery service, battery boost and fuel delivery. The usage of these services has been limited to three times a year.

Careem Discount

Cardholders can enjoy a discount of 50% on all domestic airport transfers when they book their ride with Careem using this ENBD credit card.

Travel Discounts

The cardholders can avail a discount of 3% while booking air tickets & a maximum discount of 7% on the holiday package booking through the travel desk of Emirates NBD by using this Emirates NBD credit card. These discounts are applicable on the base rate by dnata, not including the surcharges and taxes.

Bon Appetit

Cardholders can enjoy an exclusive experience of dining across the UAE by availing a discount of 30% (maximum) at 3000+ restaurants. All they need to do is use their Emirates Skywards Infinite Credit Card when visiting the partner restaurants of Bon Appetit to avail themselves of an amazing dining experience and discounts.

Visa Offers

Here are the additional Visa Offers on the Emirates NBD Skywards Credit Card.

  • Airport Dining Discount Program: Cardmembers can enjoy exclusive discounts at over 200 restaurants globally, made up of key locations in MENA home markets & travel corridors. They just need to download the mobile app called ‘DragonPass Dine & Travel’ and register this Emirates NBD card to avail of lucrative dining discounts. Please note that the discount might vary from merchant to merchant. However, the discount will be displayed in the mobile app.
  • Fairmont Offers: Cardmembers can enjoy a discount of 15% by booking 2 nights at the participating Fairmont hotels.
  • Hotel Bookings Offers: Cardholders can enjoy a discount of 8% on hotel booking via Hotels.com. To avail of this offer, they need to use the promo code ‘VISA8’.
  • Avis Car Rental: Following offers are available at AVIS for the cardmembers:
  • A maximum of 35% off on standard rates.
  • A maximum of 30% off on international leisure rates.
  • The Entertainer: Cardholders can enjoy buy one get one offers at participating merchants in the UAE, Oman, Qatar, Bahrain, KSA, Kuwait, Jordan and Lebanon. In addition to this, they can get access to more than 5000 discounts on excursions and attractions in key travel destinations.
  • Bicester Village Shopping Collection: The Bicester Village Shopping Collection is a collection of luxury brand outlet villages offering the previous seasons’ collections of the leading lifestyle brands at a discount of 60% (maximum) on the recommended retail price. Cardmembers can enjoy access to:
  • A discount of 15% on the ticket price for the shopping express luxury coach service, chauffeur drive facility & shopping packages.
  • Enjoy a VIP voucher with an extra discount of 10% on purchases at any of the Bicester Village shopping collection locations in Europe.
  • Other Lifestyle Offers: Emirates NBD offers the facilities of GoodTimes & LiveWell that provides the cardmembers with a wide range of lifestyle and entertainment experiences and several fitness activities.

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Rewards & Offers for Emirates NBD Skywards Credit Card

Members of this ENBD credit card can enjoy the following offers and rewards:

Welcome Offers

  • Upon applying for Emirates NBD Skywards Infinite Credit Card, one can enjoy the following introductory offers:
  • The cardholder can earn a maximum of 100,000 Skywards miles as an introductory offer.
  • Skywards miles worth 35,000 upon the successful payment of joining fees.
  • Skywards miles worth 40,000 on the spending of US$ 25,000 (minimum) within the initial 3 billing statements.
  • Skywards miles worth 25,000 on the spending of US$ 7,500 (minimum) on the Emirates official website or at any of the sales offices of Emirates in the UAE within the first 12 billing statements.
  • Members of this ENBD credit card can avail of free Rotana Rewards Exclusive Club Membership of AED 1050. The offers under this membership are as follows:
  • Certificate of Rotana Dining worth AED 250.
  • Discount of 50% (maximum) on the food bill
  • Discount of 20% (maximum) on beverages
  • Discount of 20% (maximum) on the room rate

Rewards – Skywards Miles

Members of this Emirates NBD Credit card are automatically enrolled into the rewards program where they can earn a high amount Skywards Miles on their everyday spends. They can earn a maximum of 2 Skywards Miles per USD equivalent spent and redeem the accumulated miles for a wide range of rewards, which includes flights with flydubai, Emirates and some other partnered airlines, upgrades on all Emirates domestic and international flights, hotel accommodation, shopping and excursions. Following is the number of miles that the cardmember can earn in different categories:

  • The cardmember can earn 2 miles per USD 1 spent on the flydubai & Emirates spends.
  • The cardmember can earn 2 miles per USD 1 spent on online food delivery spends, car booking apps.
  • The cardmember can earn 1.5 miles per USD 1 spent on overseas spends.
  • The cardmember can earn 1 mile per USD 1 spent on local spends.

Eligibility Criteria to apply for Emirates NBD Skywards Infinite Credit Card

Here are the eligibility criteria for the applicants to apply for Emirates NBD Skywards Infinite Credit Card.

  • The applicants need to meet the minimum monthly income requirement of AED 30,000
  • All UAE nationals and residents are eligible to apply for Emirates NBD Skywards Credit Cards.
  • The applicants must have a good credit score to get their credit card application approved.

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Documents Required to apply for Emirates NBD Skywards Infinite Credit Card

The following documents are required to apply for this Emirates NBD Credit Card-

  • Emirates identity card in original along with a copy.
  • Copy of Passport for Identification purpose.
  • Recent salary certificate (for salaried individuals)
  • Trade License (only for non-individuals)
  • Bank statements of the last three months (if the bank statements are not original, the mini statement from ATM is to be submitted)
  • Security Cheque

How to Apply for an Emirates NBD Skywards Infinite Credit Card?

Here are the simple ways to apply for an Emirates NBD Skywards Infinite Credit Card.

  • Visit a Branch: The applicants can visit any of the Emirates NBD bank branches to apply for an Emirates NBD Skywards Infinite Credit Card. To apply for the credit card, they need to fill the application form and submit the same with all the essential documents. 
  • Online Banking: Emirates NBD enables applicants to apply for an Emirates NBD Skywards Infinite credit card using the online banking portal. After logging into the portal, the applicants need to fill up the online application form and upload all the necessary documents while submitting it. 
  • Mobile Banking: Emirates NBD comes with a unique mobile app for its customers. The applicants can download this app from their app store (Google Play or Apple App Store) and register themselves on the same. In the app, they can go to the credit cards section and apply for an Emirates NBD Skywards Credit Card in just a few taps.
  • Call Customer Support: With Emirates NBD, the applicants can also contact the 24/7 available help and support line to apply for a credit card. The bank representative takes the request and helps the applicants complete the remaining application process. 
  • Our Website: We at Policy Bazaar also help applicants apply for their desired credit cards. The applicants can visit our website, go to the credit cards section, explore their options by going through the features and benefits of different credit cards and apply for their preferred credit card in just a few clicks. They can also call our helpline number if they need assistance, and our experts will guide them through the process.

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Fees & Charges on Emirates NBD Skywards Credit Card

The following table contains the various fees & charges applicable on this Emirates NBD Credit Card:

Fees & Charges

Amount

Annual Membership Fees

AED 1500

Monthly Finance Charges

3.09%

Cash Withdrawal or Advance Fee

AED 99 or 3% of the total amount (whatever higher)

Late Payment Charge

AED 230

Over-Limit Charge

AED 279

Foreign Currency Transaction Charges

Non- AED purchases- 1.99%

AED purchases- 1.99%

Card Replacement Fees

AED 20

Charges on Return on Direct Debit or Cheque

AED 100

Insurance Fee

0.99% on the present balance within the billing period (initial 2 months free)

International Delivery Charge

AED 150/Per credit card

0% Instalment Plan Fees

AED 49 (on each transaction)

Cancellation Fees

3% on principal outstanding or AED 250 (whichever is higher)

(Updated as on August 26, 2020)

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FAQs on Emirates NBD Skywards Credit Card

Q1: How does the bank calculate the Skywards Miles for spends done on the Emirates NBD Skywards Infinite Credit Card?

Ans: The calculation of the miles on your credit card depends upon the type of the card and the spending category. The calculation includes the amount spent using this Emirates NBD Credit Card on shopping, groceries, bill payments, cash advance and more along with the miles earned.

Q2: When do the miles that I have earned get transferred to my card account linked to this credit card?

Ans: The base miles that you have earned on all your transactions in one statement cycle will be transferred to the Skyward account linked to the card between 25th& 30thof each month. The express miles and bonus miles will be transferred before the end of three weeks of the date of the statement.

Q3: Will I be earning Bonus miles on the purchase of tickets on emirates.com/uk using my Emirates NBD Skywards Infinite Credit Card?

Ans: These transactions are not eligible for earning Bonus Miles. The miles’ program allows you to earn two miles on one USD for transactions done on emirates.ae only, that is, on the UAE website of Emirates Airlines. The transactions done on other websites (non-UAE) earn bonus as well as base miles according to international transactions, that is, 1.5 miles on one USD. Transactions on the purchases made at the town office of Emirates or other UAE travel agents earn miles according to the domestic retail transactions.

Q4: What are the options that I have for paying off my credit card?

Ans: You have different options for making credit card payments on this Emirates NBD Credit Card, which are as follows-

  • Facility of Direct Debit- You can use your Emirates NBD bank account for signing up for this facility. This ensures that the payments on your credit card have been cleared on the due date. You can call on +971600540000 to avail this facility.
  • Banknet- If you hold an Emirates NBD bank account, you will be able to sign up for the bank’s safe online banking service (Banknet) easily and conveniently no matter wherever you are. Through Banknet you can also make instant payments from your account to the balance on your credit card.
  • CDMs (Cash Deposit Machines)- CDMs by Emirates NBD are located not only at the branches of Emirates NBD but also at big shopping malls and other locations that are easily accessible in the UAE. Out of 120+ CDMs by Emirates NBD, you just need to visit the one that is convenient for you and make payments through cheque or cash. It is recommended that you carry along with you your Emirates NBD Credit Card for making the payment. While making the payment through cash at the CDM, the payment should be made within the time so that the cheque gets clear prior to the due date otherwise, you might have to bear further fees and interests.
  • Any Exchange Branch in the UAE- You can also visit any one of the seventy-nine branches of UAE Exchange and make the payments in cash towards the balance on your credit card.
  • Any Exchange Branch of Al Ansari- You can visit any one of the seventy-nine branches of Al-Ansari Exchange and make the payments in cash towards the balance on your credit card.
Q5: What % of my credit limit can I utilize as transactions on cash advance?

Ans: You can avail cash advance at a maximum total of 50% of the credit limit assigned to your card. You can use the ATM machines to avail the facility of cash advance.

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