The Emirates Skywards miles programme is one of the best, premium airmiles programmes offered by any airline in the world. It gives members the opportunity to redeem their Emirates Skywards miles against flight ticket purchases and ticket upgrades on Emirates airlines in addition to other options such as hotels and travel bookings.

Skywards miles programme members can earn miles by purchasing tickets on Emirates airlines, however, another popular option to earn miles used by thousands of UAE residents is by using an Emirates Skywards co-branded credit card. These credit cards are issued as part of a joint arrangement between Emirates Airlines and the banks issuing the credit cards.

In the UAE there are several such co-branded airline credit cards offered by many banks. While the main objective to apply for an miles credit card is primarily to earn rewards in the form of “miles” and use those miles for flight tickets and upgrades there are other unique benefits offered by these cards which also vary significantly from one credit card to another. The focus of this article are Emirates Skywards co-branded credit cards and to help readers understand which of the many options available are best suited to them.

Banks in UAE that currently offer Emirates Skywards co-branded credit cards are –

• Abu Dhabi Islamic Bank (ADIB)
• Citibank
• Dubai Islamic Bank
• Emirates Islamic Bank
• Emirate NBD
• RAKBANK

Across these 6 banks there are currently a total of 14 different Emirates Skywards credit cards offered. These are broadly categorised based on the minimum income required to be eligible for each credit card, the features and benefits offered, annual fees charged and so on.

Income Eligibility

The monthly minimum income requirement for Emirates Skywards credit cards are as below:

Credit Card	Min. Salary
Dubai Islamic Emirates Skywards Platinum Credit Card	AED 5,000
Citibank Emirates World	AED 12,000
Emirates Islamic Skywards Signature Credit Card	AED 12,000
ADIB Emirates Skywards World Card	AED 15,000
Dubai Islamic Emirates Skywards Signature Credit Card	AED 15,000
Emirates NBD Skywards Signature Credit Card	AED 15,000
Citibank Emirates Ultimate	AED 18,000
ADIB Emirates Skywards World Elite Card	AED 25,000
RAKBANK Emirates Skywards World Elite Mastercard Credit Card	AED 25,000
Emirates Islamic Skywards Infinite Credit Card	AED 25,000
Emirates NBD Skywards Infinite Credit Card	AED 30,000
Dubai Islamic Emirates Skywards Infinite Credit Card	AED 35,000
Citibank Emirates Ultima	AED 36,750

 

Which is “The Best Emirates Skywards credit card” in the UAE?

While many readers would want to scroll directly to this section to find out the ‘best’, the reality, as is often the case, is that among the many options available there is no single “Best Emirates Skywards credit card” for everyone. Different Skywards credit cards offer different benefits. In the sections below we will help you identify which one is the “the best Skywards credit card for you” based on your specific needs, spend patterns and priorities as an individual.

Please note that the best credit cards identified tend to be ‘premium’ credit cards as they understandably have the highest rewards as well as features and benefits that the bank can offer. As such, these Skywards cards are likely to have higher annual membership fees. However, the benefits offered by these credit cards most often can easily justify the annual fees charged. This is especially true if the cardholder takes advantage of the specific features and benefits on offer – another reason to ensure they apply for credit cards most suited to their specific needs. However, there are also a few Emirates Skywards credit cards which have very low annual fees while still offering good benefits which can also be considered.EARNING SKYWARDS MILES FROM EVEN REGULAR ‘EVERY DAY’ SPENDS

Best for – Maximum Miles Earning Potential

This is perhaps the most important feature to be considered for any Emirates Skywards co-branded credit card as the main purpose for a cardholder is to maximize Skywards miles earned by using their credit cards. This is also an aspect where there are significant differences in earning rates and eligibility requirements between the different Skywards credit card options available. Readers are advised to review the conditions carefully before arriving at a decision on which card is best suited to their specific spend patterns. It is important to note that the cards in this category typically do not offer high earn rates on some regular, day-to-day categories such as groceries, utilities, fuel, school fees etc. but instead offer very high earn rates on almost all other types of spends - think electronics, clothes, luxury, travel, dining and most other categories. Depending on the individual’s spend patterns these cards are potentially the best options to earn the absolute maximum Skywards miles from your credit card spends.
ADIB Emirates Skywards World Elite Credit Card	Emirates Islamic Bank Skywards Black Credit Card	Citibank Emirates Ultima credit card
The ADIB Emirates Skywards World Elite credit card is an excellent option to maximise your Skywards miles earnings as it offers 3 Skywards miles per USD spent at Emirates Airline as well as offering 2 Skywards miles/USD for foreign currency spends and 1.5 Skyward miles/USD for domestic purchases.	The Emirates Islamic Bank Skywards Black Credit Card offers 3.5 Skywards miles for every 1 USD spent at Emirates airlines. This is the highest offered by any credit card in the UAE currently.	The Citibank Ultima credit card offers an extremely attractive combination of a high miles earn rate along with very minimal spend category restrictions. This credit card offers an even better earning rate on purchases made at Emirates as compared to the DIB Skywards Infinite credit card (which is also a great option). So, if you are a big spender at Emirates then this is the card to get to maximise your Skywards rewards. Compared to the Dubai Islamic bank Skywards Infinite card, it pays a lower earnings rate on two specific categories.
Earn rates are lower for specific everyday categories such as groceries, utilities, government spends, fuel, school fees, Salik etc. but for almost every other type of spend category this is an excellent option. In addition to the high Skyward miles earn rates, this card also has other very compelling features including complimentary Emirates Airlines home check-ins, Skyward Gold tier membership and so on.	In addition to this, it also offers 2 Skyward miles per USD equivalent of foreign currency spends and 1.5 Skyward miles per USD of domestic spends. This is again the highest offered by any Skywards credit card in the UAE (along with the ADIB World Elite Skywards credit card which also offers the same). While this card has lower earn rates for some specific every day categories (grocery, fuel, utilities etc.) for all other purchases this is indeed a really powerful option to maximise your Skywards miles earnings.	Emirates Skywards miles earned per USD (equivalent) spent on the card: 2.5 Skywards miles for purchases made at Emirates online or at Emirates sales offices 1.5 Skyward miles for purchases made in foreign currencies 1 Skyward mile for all other local purchases Spends at groceries/supermarkets and related to real estate will earn 0.5 Skywards miles per USD of spend and government services and utilities spends earn no miles

Best for – Earning Skyward Miles From Even Regular “Everyday” spends

These credit cards have the most ‘coverage’ of spend categories, that is they hardly exclude any category of spends from earning miles. Hence these cards have the advantage of ensuring that you earn Skywards miles no matter whether you’re buying groceries or paying for your child’s school fees. Depending on your individual spend patterns, these cards could potentially save you the most of all the Skywards credit card options available. To see your specific individual savings on each please use the Savings Calculator on www.soulwallet.com.
Emirates Skywards Dubai Islamic Bank Infinite Credit Card	RAKBANK Emirates Skywards World Elite Credit Card	Dubai Islamic Bank Emirates Skywards Signature Credit Card
The Emirates Skywards Dubai Islamic Bank Infinite Credit Card is arguably the best credit card to maximise Emirates Skywards miles earnings as it offers an excellent combination of high earn rates on specific categories as well as no excluded spend categories. This is indeed a rarity as almost all other Emirates Skywards credit cards have restrictions on some segments of spend (such as groceries, utilities and so on) which have a lower earning rate.	The RAKBANK Emirates Skywards World Elite credit card is also a great option to earn rewards on regular everyday spends. This card has a different way of awarding points – a fixed number of points are awarded for specific spend ranges. As the number of Skywards miles are fixed for a specific spend range the actual earn rate can vary depending on how much you have specifically spent within that range. But rest assured, it is very competitive with other options available and again with the key benefit of not excluding several regular day to day spend categories (groceries, fuel, telecom, utilities etc.). This card does, however, have a maximum cap of 40,000 Skyward miles per month.	The Emirates Skywards Dubai Islamic Bank Signature Credit Card is a great option just like it’s bigger “brother” the DIB Skywards Infinite credit card. While it offers a slightly lower earn rate it also has a lower annual fee (AED 1,500 vs. AED 2,500) and also has the added benefit of having a lower minimum salary requirement (AED 15,000 vs. AED 35,000 for the Infinite). It also offers an excellent combination of high earn rates on specific categories as well as no excluded spend categories.
The Emirates Skywards Dubai Islamic Bank Infinite Credit Card awards miles per USD (equivalent) spent on the credit card as below: 2 Skywards miles for purchases made at Emirates online or at Emirates sales offices 1.5 Skyward miles for purchases made in foreign currencies 1 Skyward mile for all other local purchases A cap of AED 25,000 on government spends per statement (which we believe is quite generous!)	Spend based Tiers: - 600 miles for 2000-4999 - 2000 miles for 5000-9,999 - 5000 miles for 10,000-19999 - 8000 miles for 20000-29999 - 11000 miles for 30000-39999 - 16000 miles for 40000-49999 - 20000 miles for 50000-74999 - 30000 miles for 75000-99999 - 40000 miles for > 100,000	The Emirates Skywards Dubai Islamic Bank Infinite Credit Card awards miles per USD (equivalent) spent on the credit card as below: 1.5 Skywards miles for purchases made at Emirates online or at Emirates sales offices 1 Skyward miles for purchases made in foreign currencies 0.75 Skyward mile for all other local purchases A cap of AED 25,000 on government spends per statement (which we believe is quite generous!)

Best for – “Bonus” Skywards Miles:

Several credit cards award “bonus” Emirates Skywards miles based on specific criteria, such as a minimum spend levels achieved on the credit card within a specific time period. In this category, there can be varying opinions on which is the “best” option as some cards award higher total maximum bonus miles but at the same time require higher spend levels and over shorter time periods as well. The “best” option here would be determined by the individual’s specific spend patterns.
ADIB Emirates Skywards World Elite Credit Card & ADIB Emirates Skywards World Credit Card	Emirates NBD Skywards Infinite Credit Card	Emirates Skywards Dubai Islamic Bank Infinite Credit Card
ADIB Emirates Skywards World Elite Credit Card & ADIB Emirates Skywards World Credit Cardholders can get up to 120,000 bonus Emirates Skywards miles with this card. 50,000 welcome bonus Emirates Skywards miles are awarded plus an additional 70,000 bonus miles if a minimum retail spend of AED 140,000 is achieved within 6 months of card issuance.	The Emirates NBD Skywards Infinite credit card offers cardholders the opportunity to earn up to 100,000 bonus Emirates Skywards miles:	Emirates Skywards Dubai Islamic Bank Infinite Credit Card offers cardholders the opportunity to earn up to 75,000 Emirates Skywards Miles
This credit card has a good combination of the total bonus miles awarded and the overall minimum spend requirement over a period of 6 months. In addition, there are no specific spend category restrictions.	35,000 “Welcome Joining Miles” on payment of the joining fee 40,000 additional “spend based miles” if cumulative retail spend of USD 20,000 is achieved within 3 months "Annual miles”: 25,000 miles will be credited if USD 7,500 is spent at Emirates (online or at sales offices) within the first 12 months	25,000 miles on card activation 25,000 miles if spend of USD 20,000 is achieved in the first 4 statements 25,000 on balance transfer (minimum balance transfer of AED 50,000)

Best for – Joining offers:

While it is usually not advisable to apply for a credit only to take advantage of a specific joining offer by the bank, it is worthwhile considering the joining offers in addition to all other benefits and features offered by these credit cards.
Citibank Emirates Ultima credit card	Citibank Emirates Ultimate credit card	Citibank Emirates World credit card
Customers who apply online can get AED 2,000 back as a statement credit if a minimum retail spend of AED 25,000 is made within 90 days of the credit card being approved. Pls do verify on Citibank website before proceeding as this offer might change. Customers can avail AED 1000 worth gift cards on booking. This offer is exclusive to customers who apply on Soulwallet.com	Customers that apply online on Citibank UAE can get AED 800 as a statement credit if a minimum retail spend of AED 20,000 is made within 90 days of the credit card being approved.Pls do verify on Citibank website before proceeding as this offer might change. Customers can avail AED 1000 worth gift cards on booking. This offer is exclusive to customers who apply on Soulwallet.com	Customers that apply online on Customers that apply online on Citibank UAE can get AED 400 as a statement credit if a minimum retail spend of AED 10,000 is made within 90 days of the credit card being approved.Pls do verify on Citibank website before proceeding as this offer might change. Customers can avail AED 500 worth gift cards on booking. This offer is exclusive to customers who apply on Soulwallet.com

Best for –Emirates Skywards Tier Membership

As most readers are probably aware the Emirates Skywards Miles programme offers different “Tiers” of membership – Blue, Silver, Gold and Platinum. Each of these tiers offer different benefits to members, with the type and number of benefits increasing in that order – starting with Blue and ending with Platinum which offers the maximum benefits. An important feature offered by some Emirates Skywards co-branded credit cards is automatic membership for the cardholder into a higher tier of the Emirates Skywards programme simply by virtue of having the credit card. This saves cardholders from having to meet the minimum “tier” miles required to be eligible for the specific tier level, obtained normally through purchase of tickets on Emirates airlines. In this aspect as well, there are a few differences in the options available among the various Emirates Skywards credit cards. Many cards offer direct membership to the Silver Tier for the primary cardholder. A few credit cards also provide supplementary card holders the opportunity to enjoy Silver status, subject to a few conditions being met. However, only 3 credit cards offer cardholders the option to upgrade to the Gold Tier Skywards membership. This can be considered to be a significant perk of having the card by people who value the Gold membership tier in the Emirates Skywards program (which offers, among other benefits, 16kgs of excess baggage allowance, guaranteed seats even on fully booked flights and so on).
ADIB Emirates Skywards World Elite Credit Card & ADIB Emirates Skywards World Credit Card	RAKBANK Emirates Skywards World Elite Mastercard Credit Card	Emirates Islamic Bank Skywards Black Credit Card
This card offers cardholders Skywards Silver Tier membership as a basic feature of the card. However, in addition it also offers cardholders the option to upgrade their Silver Skywards membership tier to the Gold tier if they spend AED 5,500 at Emirates Airlines within 12 months of getting the card. What’s more this card also offers the supplementary cardholder with the opportunity to upgrade to Gold tier status if a total spend of AED 200,000 is achieved in 12 months and 5,500 of that is spent at Emirates Airlines.	The RAKBANK Emirates Skywards World Elite Mastercard offers cardholders Silver tier membership as a default offering. Additionally, it also offers the opportunity to fast-track to Skywards Gold tier membership based on the below criteria being met: Placing a deposit of AED 500,000 in the customer’s RAKBANK Emirates Skywards savings account. This credit card also offers supplementary cardholders the option to enroll in the Skywards Silver Tier membership at a fee of AED 900 per year.	This card offers customers Silver membership as a default tier for maintain the card. However, similar to the ADIB Emirates Skywards World Elite credit card the Emirates Islamic Bank Skywards Black credit card offers customers the opportunity to upgrade to the Skywards Gold tier status by simply spending AED 5,500 at Emirates on their credit card (no additional spend criteria required). This card also provides the option for the supplementary to be upgraded to the Skywards Gold tier membership by spending AED 5,500 at Emirates and by paying an annual membership fee of AED 4,000.

Best for – Association Benefits

Credit card associations refer to organizations that set common transaction terms for merchants, issuing banks and acquiring banks. The associations we are referring to in our context here are Visa and Mastercard. All the Emirates Skywards credit cards issued in the UAE are either associated with Visa or Mastercard. The relevance of this for a cardholder is that there are specific benefits and features offered by these associations to the cardholder by virtue of the partnership between the bank and the association. Similar to the different tier levels available in the Emirates Skywards miles programme, both Visa and Mastercard offer different “tiers” or levels of benefits for different credit card types. Please note that these association features are offered in partnership with the banks and are for the most part a standard offering for the specific credit card type across all banks. Examples of these include VIP airport lounge access, travel insurance cover, car rental offers and so on. Please note that the type of benefits offered vary significantly between Visa and Mastercard. These (Visa/Mastercard) features must not be confused with specific features offered by banks directly to their cardholders which are not part of the Visa or Mastercard benefits. Examples of such bank-specific features include complimentary valet parking, cinema tickets, airport transfer offers and so on. Customers are advised to review closely all the features offered for each credit card to understand all the benefits available before arriving at the best credit suited to them. Below is a categorization of the available Emirates Skywards options based on their Visa or Mastercard credit card association type:
Mastercard 1. Mastercard World Elite: This is the top-of-the-line tier of credit card benefits offered by Mastercard and are available in the following credit cards: ADIB Emirates Skywards World Elite credit card Citibank Emirates Ultimate credit card RAKBANK Emirates Skywards World Elite Mastercard credit card 2. Mastercard World: This is the second highest tier of credit card benefits offered by Mastercard and are available in the following credit cards: ADIB Emirates Skywards World credit card Citibank Emirates World credit card	Visa 1. Visa Infinite: This is the top-of-the-line tier of credit card benefits offered by Visa and are available in the following credit cards: Citibank Emirates Ultima credit card Dubai Islamic Emirates Skywards Infinite credit card Emirates Islamic Bank Emirates Skyward Black credit card Emirates Islamic Skywards Infinite credit card Emirates NBD Skywards Infinite credit card 2. Visa Signature: This is the second highest tier of credit card benefits offered by Visa and are available in the following credit cards: Dubai Islamic Emirates Skywards Signature credit card Emirates Islamic Skywards Signature credit card Emirates NBD Skywards Signature credit card 3. Visa Platinum: This is the third highest tier of credit card benefits offered by Visa and are available in the following credit cards: Dubai Islamic Emirates Platinum credit card

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

Best for – Low-Fee, High Value Offered

Citi Emirates Ultimate Credit Card

While most of the above credit cards are premium credit cards and have reasonably high annual fees, the Citi Emirates Ultimate credit card offers excellent benefits for a very reasonable annual fee of only AED 800. Not only is this among the lowest fees on an Emirates Skywards credit card, this card also offers customers to earn the annual fee back as a statement credit if retail spend of AED 20,000 is made within 90 days of getting the card.

This card also has a very healthy Skyward miles earning rate of 1.25 Skyward miles per USD for all international spends and 1 Skyward mile per USD of domestic spends. Other benefits include free VIP airport lounge access for the cardholder plus a guest at over 1,000 lounges worldwide and golf and movie offers in the UAE.

Unique benefits offered by some Emirates Skywards credit cards:

• Complimentary Emirates Airlines home check-in 4 times a year – ADIB Emirates Skywards World Elite Credit Card.
• Complimentary access to Emirates Towers Health Club at any time, any day – Dubai Islamic Skywards Infinite Credit Card.
• 15% discount on buying Emirates Skywards Miles – RAKBANK Emirates Skywards World Elite Credit Card.

The below Emirates Skywards credit cards all offer the primary cardholder complimentary Skywards Silver Tier membership as a benefit:

•  Citibank Emirates Ultima credit card
• Dubai Islamic Emirates Skywards Infinite credit card
• Emirates Islamic Skywards Infinite credit card
• Emirates NBD Skywards Infinite credit card
• ADIB Emirates Skywards World credit card

All relevant features of this credit card, along with side-by-side comparisons can be seen at: www.soulwallet.com

We hope this article has been useful in giving you a better understanding of the various Emirates Skywards miles credit card options available in the UAE. While we have highlighted the best options for specific benefits offered by these credit cards we highly recommend that you review all the features in detail before deciding which is the best credit card for you. After all, the process of identifying the best option and applying for a credit card is not something undertaken on a regular basis and therefore getting it right will not only help one maximise potential saves but will also help enjoy specific benefits most relevant to your individual preferences.

Detailed features and benefits along with side-by-side comparisons of all these credit cards can be found at www.soulwallet.com.