Applying for a premium travel credit card requires knowing the benefits and steps involved. This article explains how to apply for the Emirates NBD Skywards Infinite Credit Card efficiently.
Key details like eligibility, fees, and application steps help you make an informed choice. Get started with the right information to maximize rewards and travel perks.
Bank and Airline Partnership
Emirates NBD works with Skywards, the loyalty program of Emirates Airlines, to offer travel benefits. This partnership gives cardholders a way to earn Skywards Miles on everyday spending.
Miles can be used for flights, upgrades, and other rewards. The collaboration combines banking services with travel perks in a structured program.
Customers benefit from financial tools while earning airline rewards. This setup makes earning and using miles more straightforward.
Features and Benefits of the Skywards Infinite Credit Card
These benefits ensure the card offers financial support, convenience, and lifestyle privileges for users.
Skywards Miles Benefits
This card allows you to earn Skywards Miles on different types of purchases. The number of miles earned depends on where and how you spend.
Some transactions earn more miles than others. Joining the Skywards Express Miles Program boosts your miles for a monthly fee.
Perks Overview
Below are the ways you can accumulate miles.
- 2 Miles for every USD 1 spent on Emirates, flydubai, duty-free shopping, food delivery, and car booking apps.
- 1.5 Miles for every USD 1 spent on international transactions.
- 1 Mile for every USD 1 spent on domestic purchases.
- 50% more Skywards Miles on all purchases (except Emirates) by enrolling in the Skywards Express Miles Program for AED 250 + 5% VAT per month. This replaces the card’s annual fee.
Emirates Benefits
This card provides valuable perks for frequent travelers, offering both financial and lifestyle advantages.
- Bonus Skywards Miles of up to 100,000 for new applicants.
- Free Rotana Rewards membership for the first year.
- Automatic upgrade to Skywards Silver membership for added flight privileges.
- Entry to business class lounges at various airports.
- Additional Skywards Miles earned on food delivery, car rentals, and online bookings.
- A dedicated support team for managing travel-related queries.
Extra Advantages
Beyond travel perks, cardholders gain access to exclusive services and financial security options. These benefits improve convenience and overall value.
- Unlimited access to over 1,000 airport lounges worldwide via the Visa Airport Companion App.
- Complimentary entry to premium golf courses in the UAE.
- Concierge services for handling personal and business tasks.
- Valet parking services at select locations in Abu Dhabi.
- Job loss protection up to AED 60,000, covering up to 12 months.
- Hospitalization payout of AED 100 per day during medical stays.
- Insurance coverage up to AED 300,000 for unforeseen circumstances.
- 0.99% monthly fee on outstanding balances.
- Buy 1, get 1 free movie tickets at VOX Cinemas.
Eligibility Criteria
You must meet specific income and documentation requirements to apply for an Emirates NBD Skywards Infinite credit card. These conditions ensure financial stability and the ability to manage credit responsibly.
Minimum Salary Requirement
A stable income is required to qualify for this card. The bank sets a minimum salary limit to ensure affordability.
Applicants must prove they earn at least the required amount each month. A higher salary increases approval chances and credit limits.
The bank may also review employment history for financial stability. Self-employed individuals must provide extra proof of income. Meeting the salary requirement is the first step toward approval.
Required Documents
Applicants must submit specific documents for verification. These papers confirm identity, income, and employment status.
- Government-issued ID – A valid passport, Emirates ID, or residency visa.
- Salary certificate – A letter from the employer confirming monthly earnings.
- Bank statements – At least three months of recent statements to show income flow.
- Proof of residence – A utility bill or rental agreement as an address confirmation.
- Trade license – Required for self-employed applicants instead of a salary slip.
Applicants must have a minimum monthly salary of AED 30,000 to be eligible for this card. This ensures financial stability and the ability to handle credit obligations.
Also, you should be aware of this card’s upfront and recurring costs. The first-year joining fee is AED 3,148.95, covering initial processing and benefits. From the second year onwards, an annual fee of AED 1,575 applies.
How to Apply for the Card?
Applying can be done online or by visiting a branch. The process is simple but requires attention to detail.
Application Process
Applicants can submit their requests digitally or in person. The steps differ slightly based on the chosen method.
Online Application
- Visit the bank’s official website and locate the credit card section.
- Fill in personal and financial details on the application form.
- Upload scanned copies of the required documents.
- Submit the form and wait for confirmation from the bank.
Branch Application
- Visit the nearest bank branch with all the necessary documents.
- Request a credit card application form and complete it on-site.
- Provide hard copies of required documents for verification.
- Wait for an officer to process and submit the application.
Following these steps correctly helps avoid delays.
Tips for Filling Out the Application Form
Accuracy is important when completing the form. Mistakes can cause rejections or processing delays.
- Use official details – Ensure all names and numbers match government records.
- Check salary details – Provide exact figures to avoid income verification issues.
- Double-check documents – Submit clear, valid copies to prevent follow-ups.
- Provide updated contact info – Use a working phone number and email for updates.
- Read terms before submission – Understand interest rates and card fees.
Interest Rates and Fees
This card comes with different interest rates based on usage. Monthly finance charges range between 3.25% and 3.49%, depending on the type of card and spending category.
Cash advances come with a charge of 3.15% or AED 103.95, whichever is higher. Late payments result in an additional fee of AED 241.50 per missed deadline.
International transactions have a conversion charge of 1.99%. The annual fee varies, with the Skywards Infinite card costing 1,575 AED for the primary card.
Managing Your Card
Keeping track of fees and charges helps in better card management. Below are key points to consider for responsible use.
- Pay on time – Avoid a late payment fee of AED 241.50 by settling the bill before the due date.
- Monitor spending – Exceeding the limit leads to an over-limit fee of AED 292.95.
- Use cash advances wisely – A high finance charge of 3.15% applies, making withdrawals costly.
- Be mindful of international transactions – A 1.99% fee is added for non-AED purchases.
- Check statements regularly – A printed statement costs AED 5.25 per month, but online access is free.
- Replace lost cards quickly – A card replacement costs AED 52.50 for standard requests.
Customer Service and Support
For help, call 600 540000. Support is available for applications, transactions, and account issues.
Summary of the Emirates NBD Skywards Infinite Credit Card
This card offers travel perks and Skywards Miles for frequent travelers. The application requires specific income and documents.
Fees, interest rates, and rewards should be reviewed before applying. Knowing these details helps you wisely choose the Emirates NBD Skywards Infinite credit card.
Disclaimer: Card terms and fees may change anytime. Check with customer support or the bank’s website for updates.