Skywards Signature Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.Salary transfer required
No standard waiver
What it costs.
- Annual fee
- AED 735
- Fee note
- No standard waiver
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 12,000
- Salary transfer
- Required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Earn up to 40,000 bonus Skywards Miles
- Up to 1.5 Skywards Miles per USD equivalent spent
- Unlimited access to over 1,000 premium lounges in 300+ cities
- Complimentary access to top golf courses across UAE
- Concierge services
- Valet parking at selected Abu Dhabi locations
- Bonus miles on Emirates, flydubai, duty free, food delivery
- Guaranteed YOUGotaGift HappyYOU card worth up to AED 400
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.