ADIB Emirates Skywards World CardEarn Up to 60,000 bonus Skywards Miles.

Your new card offers the following :

  • Get welcome bonus of 40,000 Skywards Miles on first spend.
  • 20,000 bonus Skywards Miles (subject to meeting spend criteria).
  • Fast track to Emirates Skywards Gold tier membership.
  • Two complimentary Home check-in services within Dubai.
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey.
  • Complimentary airport transfers.
  • Exciting travel and lifestyle benefits.


Up to 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)*

*Minimum retail spend of AED 50,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st June 2021 until 31st August 2021.

Fast track to Emirates Skywards Gold tier membership Complimentary Emirates Skywards Silver membership for the primary cardholder. Primary and supplementary cardholders can fast-track to Gold tier status upon achieving qualifying spend.

Primary Cardholder can enjoy Emirates Skywards Gold membership on an additional minimum spend of AED 5,500 on Emirates and achieving a total spend threshold of AED 150,000 (including Emirates spend). Flight ticket/upgrade purchases made at, Emirates Sales offices or Emirates Contact Centre will only be eligible for the fast track offer.

Supplementary cardholder can also enjoy the Emirates Skywards Gold membership on an additional minimum spend of AED 5,500 on Emirates and achieving a total spend threshold of AED 300,000 (including Emirates spend). Flight ticket/upgrade purchases made at, Emirates Sales offices or Emirates Contact Centre will only be eligible for the fast track offer.

Earn Skywards Miles for every AED 3.68 equivalent spend

  • Emirates and flydubai spends: 2.5 Miles
  • Foreign currency spends: 1.5 Miles*
  • Local currency spends: 1 Mile*
  • Specific category spends: 0.25 Miles*

*Specific merchants in the following categories will receive 0.25 Skywards Miles per AED 3.68 (or equivalent) for AED and non – AED transactions: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organisation.

Complimentary Home check-in service

Now check-in for your Emirates flights from the comfort of your home, hotel or office anywhere in Dubai.

Passengers travelling from Dubai can enjoy complimentary Home check-in service two times a year.

This complimentary benefit allows you to check-in up to 7 pieces of luggage. Additional fee will be charged for every excess bag directly to the Cardholder by the service provider.

For bookings call 800200 48 hours prior to the scheduled departure

Additional terms and conditions apply. For more details please visit


Airport transfers in the UAE

Take away the hassle of calling a cab or organising a ride to the airport, with your ADIB Emirates Skywards World Card. Enjoy two complimentary airport transfers per year from anywhere in the UAE.

The value of rides are capped at AED 150 in Dubai and Sharjah and AED 350 in Abu Dhabi, Al Ain and other Emirates in the UAE.

Additional charges over and above the free entitlement will be charged to the Cardholder's Card Account and reflected in the Cardholder's monthly statement.

For bookings call 800200 72 hours prior to the scheduled trip.

Global Lounge Access

Enjoy unlimited complimentary Lounge Access for the cardholder to over 900 airport lounges across the globe.

For more information please visit

Valet Parking

Flash your Card at the Valet to avoid the stress of parking.

With your card you can park for free (two times a month) through Valtrans at key locations in the UAE. Please visit Valet Parking for updated list of locations.

The valet parking benefit is applicable on standard parking only and not on VIP at any Valtrans locations. Any Cardholder who valet parks his/her vehicle in VIP Valet Parking will be charged the prevailing rate as set by Valtrans. This will be charged to the Cardholder’s Card Account and reflected in the Cardholder’s monthly statement. Your Card will be charged in case of additional visits.

Free Golf

Complimentary golf for Cardholder.

PartnerFor Booking
The ELS Golf Club, Dubai
Arabian Ranches Golf Club, Dubai
The Abu Dhabi Golf Club, Abu Dhabi
800 200

ADIB Smartdeals

Download ADIB Smartdeals app and enjoy over 2,000 exciting offers


Travel Inconvenience Cover*

Whether your luggage goes amiss or flight delays interrupt your plans, you are covered for:

  • Baggage loss or damage up to USD 3,000
  • Baggage delay USD 300
  • Trip delay / Missed departure USD 300
  • Trip curtailment / cancellation up to USD 7,500

Travel Medical Cover*

For the greatest peace of mind while you're traveling, your health and safety needs are met promptly and efficiently. As a ADIB Emirates Skywards World Cardholder, you get coverage for yourself as well as your family and helper**:

  • Travel accident cover up to USD 500,000
  • Emergency medical evacuation and repatriation up to USD 500,000
  • Medical expenses (accident or sickness) up to USD 500,00
  • Daily in-hospital cash benefit USD 100 per day

**Coverage details:
Spouse – 100%; Children – 25%; Domestic Helper – 25%

Card Services**

  • Balance Transfer

    Use Balance Transfer facility on your Card by calling 600 543216

  • Cash on Call

    Transfer cash from your Card to a selected bank account by calling 600 543216

  • Easy Installment Plan***

    With your ADIB Covered Card, you can now shop at selected merchants and payback in easy installment payments of 3/6/9/12 months with 100% waiver of Murabaha Monthly Profit and no processing fees by calling 600 543216.

ADIB Covered Card Takaful Protection

Optional Takaful cover provided to protect in the event of death, permanent total disability, critical illness and involuntary loss of employment.


Ways To Pay

Covered Card payments can be made at:

  • ADIB branches, visit for locations
  • ADIB Cash & Cheque Deposit Machines (CCDM)
  • 24x7 Phone Banking*
  • ADIB Online Services (*
  • Arablink centres
  • Al Fardan Exchange centres
  • UAE Exchange Centres
  • Al Ansari Exchange Centres

*This service is only available to customers who have an ADIB Account other than ADIB Covered Card Account.

Bill Payments

The following bills can be paid via Online Banking ( or Phone Banking (600 543216):

  • Etisalat and Du bills (Landline, GSM, Wasel Recharge and renewal, e-vision and internet)
  • Water and Electricity bills (DEWA, SEWA, ADWEA) and Salik

Banking with ADIB

  • ADIB Online Banking – visit to view your Card statement and transact on your Card.
  • 24x7 Phone Banking: Call us at any time on 600 543216 for a quick and secure way of accessing your account.
  • E-statements: Be eco-friendly and receive your statements via email.
  • SMS alerts: Receive Card information and transaction alerts.

ADIB Mobile Banking App

You can manage your card on the go by downloading the ADIB Mobile Banking App from iTunes App Store, Google Play Store or

  • ADIB Covered Card Terms and Conditions and Schedule of Charges apply in conjunction with other specific Terms and Conditions of offers. Also note that all offers are subject to change. Please refer to our website to view the Terms and Conditions and our latest offers.
  • ADIB Covered Card Terms and Conditions apply that prohibit using ADIB Card for any non-Shari'a compliant products/services as determined by the Fatwa and Shari’a Supervisory Board of the ADIB including but not limited to, alcohol, pork products, gambling, tobacco, casinos, bars, nightclubs, merchants selling and/or providing pornography related products and/or services.
  • * Additional Terms and Conditions may be applied by Mastercard to the extent they will not contradict with the Terms & Conditions of ADIB Covered Card.
  • ** T&Cs apply on Balance Transfer, Cash on Call and Easy Installment Plan.
  • ***For more details on Easy Installment Plan with selected merchant please visit the "offers & promotions" page on

Emirates Skywards programme rules apply

Click here for the Cards Terms and Conditions

Click here for an updated Schedule of Charges​

Covered Card Annual Fee 1500
5th Supplementary Card Annual Fee(3) 1500
Monthly Profit Rate (W/ Salary Transfer) 3.33%
Monthly Profit Rate (W/O Salary Transfer) 3.33%%
Cash Withdrawal Limit 100%
ATM Cash Withdrawal Fee(4) 3% minimum 99
Card Replacement Fee(5) 75
Transfer of Excess Funds over the Cash Cover from Card to Account 100*
Minimum Monthly Payment 5% Minimum 100
Grace Period For Monthly Payment Up to 55 days
Donation Commitment to Charity in case of Late Payment Event(6)100
Temporary Increase Limit Fee 50
Non-AED Transaction Service Fee(7) 3.1%
AED International Transaction Service Fee(8) 1.8%
Copy of Sales Receipt Fee 25
Copy of Travel Fares / Hotel Receipt Fee 25
Copy of Additional Statement Fee 45
Liability / No Liability Letter 50
Returned Cheque Fee 100
Monthly Takaful Protection Contribution Amount (Optional) (9)0.77 fils per 100 utilized cover amount


(3) Entitled to four Free Supplementary Cards until further notice. Annual fees will be applied on the 5th supplementary card and onwards.>

(4) Includes cash withdrawal at ATMs, Exchange Houses or similar, transfer of the original cover of the Card to any ADIB Account. This will also include all Transactions at merchants classified as “Security Brokers/Dealers” (under Visa Merchant Category Code 6211) including but not limited to National Bonds Corporation Transactions. Additionally, such Transactions will not qualify for Etihad Miles, Cashback or any other reward scheme.

(5) For damaged Cards, no fee shall be applicable if the Cardholder delivers the damaged Card to the branch.

(6) If agreed upon with the customer and stipulated in the relevant document.

(7) Added to the Non-AED transactions’ wholesale foreign exchange market spot rate that is selected and applied by Visa on the date of conversion.

(8) For transactions that take place outside the UAE where the Cardholder pays the merchant in AED.

(9) The Monthly Contribution includes the Monthly Takaful Contribution and the fee of the arrangement, distribution and other services related to the Takaful scheme. For Takaful products, all contribution amounts are inclusive of VAT if applicable. For all Cards including Supplementary Cards, Monthly Contribution amount shall be linked to the Principal Card.

  • With effect from 1st January 2018, a standard rate of 5% Value Added Tax ( VAT ) applies on the above fees as per the UAE VAT Law (Federal Decree-Law No (8) of 2017 on Value Added Tax) and shall be

  • added on the top of the above fees that are subject to VAT and shall be payable on

Required Documents

  • ​Original and copy of valid passport
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)
  • Salary certificate from current employer​ (not more than 30 days old)​