Skywards Miles

Earn Skywards Miles

Emirates NBD Skywards Visa Debit Card offers Skywards Miles based on the average monthly balance maintained in your savings account. You will earn up to 5 Miles per USD equivalent spend.

Average monthly account balance (AED) Skywards Miles earnings per USD
equivalent spend
Domestic spends International and Emirates spends
250,000 to 499,999 1 1.25
500,000 to 999,999 2 2.5
1,000,000 and above 4 5

Up to 50,000 bonus Skywards Miles

  • 25,000 Skywards Miles upon payment of joining fees
  • 25,000 Skywards Miles on maintaining a minimum average monthly account balance of AED 750,000 on the 3rd month of account opening

Important Information and Terms and Conditions



Redeem Skywards Miles

Use your Skywards Miles for an extensive range of rewards; including reward flights with Emirates, flydubai, and other partner airlines, flight upgrades, hotel accomodation, excursions and shopping.

Know more

See how many Skywards Miles you can earn

How much do you usually spend per month on...

Average monthly account balance
Supermarkets and Groceries?
Emirates Airline?
Fuel and Utility Payments?
International Spends?
Retail and other expenses?

With Emirates NBD Skywards Savings Account and Visa Debit Card, you could earn up to

Miles per year
Please note that this is a just estimated calculation based on above amounts

Defined transaction limits

Your Debit Card has defined daily limits for both cash withdrawals at ATMs and for purchases at merchant outlets.

The daily limits on you Emirates NBD Skywards Account and Visa Debit Card:

200,000

Daily Purchase Limit

50,000

Daily Cash Withdrawal Limit

The above limits are subject to available funds in your account and/or any overdraft facility you may have. You can change your daily limits at any time through Online Banking or by calling us on 800 456.

AIRPORT LOUNGE ACCESS

Complimentary lounge access worldwide via LoungeKey

Access to over 950 airport lounges worldwide, simply present your Emirates NBD Skywards Visa Debit Card at the lounge reception for immediate entrance.

Please note the below to avoid a hassle free experience

  • Emirates NBD Skywards Visa Debit cardholders enjoy unlimited complimentary visits.
  • Additional guests will be charged to your card at the rate of 27$ per guest per visit.
  • Cardholders should mention Lounge Key to reception staff.

For any inquiries on Lounge Key, cardholders can click on the 'Contact Us; link via Lounge Key's website or App.

Click here to view participating airports

AIRPORT TRANSFERS

Smoother journey to the airport

Complimentary airport drops with concierge desk

Terms and Conditions

  • To avail of these services visit emiratesnbdbenefits.thriwe.com.
  • Up to 4 airport transfers per calendar year in the UAE.
  • Services available only if payment is made using your Emirates NBD Credit or Debit Card.
  • All bookings to be made 48 hours in advance and are subject to availability.
  • Benefit available only when travel tickets are purchased with the Emirates NBD Credit or Debit Card.
  • A one-way transfer is considered a drop from airport transfers.
  • Inter-Emirates transfers are only applicable on Etihad Limitless, Elevate and Inspire Credit card.

Get 50% discount on all domestic airport transfer when you ride with Careem using your Emirates NBD Credit or Debit Card.

To redeem:

  • Download the Careem app
  • Register your Emirates NBD Credit Card as a payment method on the app
  • Enter the promo-code UAEVI50 when booking your ride

Terms and Conditions Apply

  • Up to 4 applicable airport transfers per calendar year in the UAE.
  • Promotion valid for pickup or drop off at DXB, DWC and AUH Airports.
  • Not applicable on GO (Pilot) bookings. Discount provided cannot be exchanged for cash or credit.
  • Visit: www.visamiddleeast.com/careem for more details.

*Applicable Cards: Visa Infinite Credit Card, Skywards Infinite Credit Card, Skywards Signature Credit Card, Etihad Guest Visa Limitless Credit Card, Etihad Guest Visa Elevate Credit Card and Etihad Guest Inspire Credit Card

Interest

Earn interest with the Emirates NBD Skywards Savings Account

  • Earn 0.15% interest rate p.a. with AED 250,000 to 499,999 average monthly account balance
  • Earn 0.20% interest rate p.a. with AED 500,000 to 999,999 average monthly account balance
  • Earn 0.25% interest rate p.a. with AED 1,000,000 and above average monthly account balance

Available in AED only

Terms & Conditions apply

Emirates Skywards Silver membership

Enhance your travel experience
with Emirates and flydubai

Receive complimentary Emirates Skywards Silver membership and enjoy benefits like

25% bonus
Skywards Miles

12kgs excess
checked baggage allowance

Business Class
Check-in

Your Emirates Skywards Silver membership will be valid as long as your Emirates NBD Skywards Visa Debit Card is active. If you are an existing Emirates Skywards Gold or Platinum member, your existing membership status will not be affected.
Learn more about the membership
Airport Lounge Access

Complimentary lounge access
worldwide via LoungeKey

Simply present your debit card at the lounge reception for access to over 1000 airport lounges worldwide

Over 1000
airport lounges

Complimentary
guest per visit

See all participating airports
Airport Transfers

Smoother journey to the airport

Book your airport transfers for anytime of the day within the UAE with our concierge desk or Careem

Complimentary airport drops with
concierge desk

50% discount
with Careem

Know more

Concierge Desk

Put your mind at ease and let the concierge team take care of time-consuming errands for you

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Golf Privileges

Take your pick from the UAE's best putting greens

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Valet Parking

Enjoy 4 complimentary valet parking services of 1 hour each at selected popular shopping malls

Know more

CONCIERGE

Let us open doors for you

Being an Emirates NBD Credit Card(s)* holder rewards you with all its luxurious benefits. Relax and let the expert concierge team run all the errands for you. A list of services to enhance your experience are:

Pickup and delivery of car in Dubai and Abu Dhabi for Car servicing and Car registration once a year

Credit Card Airport transfers Submission of visit visa at Dubai and Abu Dhabi airport Local Courier Service
Visa Infinite Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
Skywards Infinite Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
Skywards Signature Credit Card Up to 2 drops per calendar year in the UAE 4 times in a year Up to 6 times per calendar year within UAE
dnata World Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
Marriott Bonvoy® World Mastercard® Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
LuLu 247 Platinum Mastercard Credit Card Up to 2 drops per calendar year in the UAE 4 times in a year Up to 6 times per calendar year within UAE
U By Emaar infinite Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
U by Emaar Signature Credit Card Up to 2 drops per calendar year in the UAE 4 times in a year Up to 6 times per calendar year within UAE
Etihad Guest Limitless Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
Etihad Guest Elevate Credit Card Up to 4 drops per calendar year in the UAE 6 times in a year Up to 12 times per calendar year within UAE
Etihad Inspire Credit Card Up to 2 drops per calendar year in the UAE 4 times in a year Up to 6 times per calendar year within UAE

Terms and Conditions

- Concierge services are subject to terms and conditions governed by the service provider.

- To avail of these services visit emiratesnbdbenefits.thriwe.com

- Services available only if payment is made using your Emirates NBD Credit Card(s)*.

- All bookings should be made 2 working days prior to the service date.

- Benefit available only when travel tickets are purchased with the Emirates NBD Credit Card(s)*.

- A one-way transfer is considered a drop from airport transfers.

- Inter-Emirates transfers are only applicable on Etihad Limitless, Elevate and Inspire Credit card.

*Applicable Credit Cards:U by Emaar Signature, U by Emaar Infinite, Visa Infinite, Skywards Infinite, Skywards Signature, dnata World, Marriott Bonvoy World Mastercard Credit Card, LuLu 247 Platinum Mastercard, Etihad Guest Limitless, Etihad Guest Elevate and Etihad Inspire

GOLF PRIVILEGES

Tee off and conquer new terrain at the top 5 golf courses

across the UAE

Swing, shank, press, hook and much more at below 5 golfing locations

  • Trump International Golf Course
  • Arabian Ranches Golf Course
  • The Track Meydan Golf Club
  • Abu Dhabi Golf Club
  • Sharjah Golf & Shooting Club

Please note the below to have a complete Golfing experience:

The complimentary golf rounds bookings are on first come first serve basis and is subject to slots availability at the golf course

To book yourself complimentary rounds at any of these stunning courses in the UAE, simply click here and follow the steps

A 'no show' fee will be charged if you do not show up at a booked game. Charges vary from course to course.

A nominal processing fees of AED 30 is applicable per booking.

Terms and conditions apply

  • Golf usage is capped based on the card type as outlined below:
  • Once a Month: Business Rewards / Corporate and Diners Credit Cards
  • Minimum spend criteria applies:
    Products Usage in a Month Minimum Spend

    Skywards Infinite

    Skywards Signature

    Visa Infinite Credit

    Visa Infinite Debit

    Dnata World

    Marriott Bonvoy® World Mastercard® Credit Card

    LuLu 247 Platinum Mastercard

    U By Emaar infinite Credit Card

    Etihad Guest Limitless Credit Card

    Etihad Guest Visa Elevate Credit Card

    Etihad Guest Visa Inspire Credit Card

    		 Twice in a month N/A

    Business Rewards

    Corporate Cards

    Diners Club Credit Card

    		 Once in a month AED 3,000 average per month

VALET PARKING

Let us park it for you

Enjoy 4 complimentary valet parking services per month of 1 hour each at selected popular shopping malls by simply presenting your Emirates NBD Credit Card(s)* at the valet service. Locations providing these services are:

  • Yas Mall
  • Ferrari World
  • Yas Waterworld
  • Marina Mall
  • Deerfields Mall
  • Cleveland Clinic Abu Dhabi
  • Dalma Mall
  • Warner Bros World
  • Masdar City
  • Healthpoint Hospital Abu Dhabi
  • Al Jimi Mall Al Ain

Terms and Conditions

  • Every additional Valet Service per hour will be charged at AED 30.
  • Valid only for Standard Valet Services. Not valid for VIP Valet Parking.

*Applicable Cards: Visa Infinite, Skywards Infinite, Skywards Signature, dnata World, Marriott Bonvoy World Mastercard Credit Card, LuLu 247 Platinum Mastercard, Etihad Guest Elevate and Etihad Inspire, Emirates NBD Duo, U by Emaar Signature

Lifestyle Privileges

Bon Appétit

Up to 30% off at over 2,000 restaurants in the UAE and Middle East

Know more

GoodTimes

Up to 50% off across theme parks, indoor sports and more

Know more

LiveWell

Find the healthier you, inside and out

Know more

Benefits from Visa

More advantages exclusively for you

2-for-1 Deals
International Medical & Travel Assistance
Purchase Protection
Extended Warranty

INTERNATIONAL MEDICAL & TRAVEL ASSISTANCE

International Medical & Travel Assistance Service helps you and your immediate family when you are travelling together to a location outside of your principal country of residence for up to 90 days. Services such as medical telephone advice, putting you in touch with a local medical service provider and with someone to monitor your medical condition till you are well. Learn more about benefits click here

Supplementary Debit Cards

Easily manage daily household expenses.

Share your savings with your loved ones by gifting them supplementary cards, and earn Skywards Miles on their spends

Simply issue supplementary cards and set customized limits for daily and monthly use.

To apply, call 600 54 0000 now.

Learn more about Supplementary Debit Cards

Contactless Payments

Pay on the go with Emirates NBD Cards

Use your phone or smartwatch to make quick and secure contactless payments with your Emirates NBD Cards.

Know more

Emergency & Security Services

Alerts and assistance for your security

SMS Alerts
24 hour Assistance
Online & Mobile Banking Access
CHIP & PIN Security
DoubleSecure
Zero Liability

Insurance Benefits

We have got you covered wherever you go

Full Multi-trip Insurance
Extended Warranty
International Medical & Travel Assistance
Purchase Protection

What are people asking?

It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

Documents required for individuals*:

  • Copy of passport(s) and original passport(s) for validation
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (< 3 month old)
    • Consolidated letter from HR for bulk accounts
    • Most recent statement of account where customer's salary is being transferred

Documents required for non-individuals*:

  • Commercial/Federal registration certificates (wherever applicable)
  • Certificate of commencement of business (for Joint Stock Companies)
  • Not applicable for company under formation
  • Power of Attorney, if applicable
  • Passport copies of the authorized signatories
  • BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
  • Memorandum and Articles of Association to ascertain the period of company
  • For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

*additional documents may be required as per Bank policy

Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

You can easily update your mobile number through our Mobile App or any of our ATMs.

How to update your mobile number through the Mobile App:

Login > select Security Centre > select Mobile Number Update

You will be asked to authenticate this request with your Smart Pass Pin.

How to update your mobile number through an ATM:

Go to Main Menu > Select Requests > Select Mobile Number Update

You can easily update your Email Address through our Mobile App or any of our ATMs.

How to update your Email Address through the Mobile App:

Login > select Security Centre > select Email Address Update

You will be asked to authenticate this request with your Smart Pass Pin.

How to update your Email Address through an ATM:

Go to Main Menu > Select Requests > Select Email Address Update

It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

Documents required for individuals*:

  • Copy of passport(s) and original passport(s) for validation
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (< 3 month old)
    • Consolidated letter from HR for bulk accounts
    • Most recent statement of account where customer's salary is being transferred

Documents required for non-individuals*:

  • Commercial/Federal registration certificates (wherever applicable)
  • Certificate of commencement of business (for Joint Stock Companies)
  • Not applicable for company under formation
  • Power of Attorney, if applicable
  • Passport copies of the authorized signatories
  • BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
  • Memorandum and Articles of Association to ascertain the period of company
  • For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

*additional documents may be required as per Bank policy

Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

You can easily update your mobile number through our Mobile App or any of our ATMs.

How to update your mobile number through the Mobile App:

Login > select Security Centre > select Mobile Number Update

You will be asked to authenticate this request with your Smart Pass Pin.

How to update your mobile number through an ATM:

Go to Main Menu > Select Requests > Select Mobile Number Update

You can easily update your Email Address through our Mobile App or any of our ATMs.

How to update your Email Address through the Mobile App:

Login > select Security Centre > select Email Address Update

You will be asked to authenticate this request with your Smart Pass Pin.

How to update your Email Address through an ATM:

Go to Main Menu > Select Requests > Select Email Address Update

You can change the name on your account by visiting the nearest Emirates NBD branch with the following documents:

  • Original Passport
  • Emirates ID

Kindly note if it is a company account, please get the attested or original Trade License

Your signature for the account can be updated by visiting a branch

To add or remove a joint account holder, both the parties must visit an Emirates NBD branch with the following documents :

  • Original passport of both parties
  • Emirates ID of both parties

Please note: Khulasat-Al Qaid is also accepted for UAE nationals

The account will be setup as a Minor account for any person below the age of 18 as per the Gregorian calendar. The guardian needs to visit a branch with all the documents of the guardian and child, required for account opening. The Minor need not visit the branch. Only a Savings account can be opened for Minors. A debit card can be issued in the name of the guardian. Cheque books are not issued for Minor accounts.

To add a Power of Attorney holder, please visit a branch with a Dubai Courts notarized POA

Account balances and statements can be viewed through online banking and Mobile banking. Mini statements can be obtained through ATMs and IVR. If you have registered your email address with the bank, the e-statement will be sent to your mailbox periodically depending on your statement generation cycle. Statements can also be requested for at a branch or through a call center agent for which there will be a nominal fee levied.

Statements can be downloaded free through online banking and also through IVR. You can also request for duplicate statements at a branch or through a call center agent for which there will be a nominal fee levied.

Average monthly balance calculation is a function of balance maintained in the account calculated over period of days the balance is maintained. Average balance is calculated at customer level; hence the balance in Current, Savings and Fixed Deposit accounts will be considered to compute the average balance. E.g. If you maintain AED 5,000 in your account from the first day of the month till the last day of the month, then average balance will be AED 5,000 for that calendar month. If you maintain zero balance for first 15 days and maintain AED 10,000 for the next fifteen days, the average balance will also be AED 5,000 for that calendar month.

Current account holders are eligible for a cheque book. First cheque book on account opening is free; on subsequent requests for cheque books, charges are levied as per schedule of charges.

Cheque book can be requested through online banking, mobile banking, ATMs and branches.

To place a stop payment on a cheque which is not yet presented, you need to visit a branch and submit a formal request. Instructions for stop payment of cheques is accepted in the following conditions only:

  • If the cheque/ cheque book is lost or stolen. A police report needs to be presented in case of lost/ stolen cheque.
  • The bearer of the cheque has become bankrupt/ insolvent. A court order is required providing insolvency/ bankruptcy of the bearer.

For account closure, you need to visit a branch to submit the request for closing the account.

Direct debits and standing instructions will be cancelled on closure of the account. In case of an active loan with direct debit setup, the account cannot be closed till an alternate payment mode is arranged or the loan is settled.

On account closure, Credit Card can continue to be active. For Loans and Overdraft, alternate payment mode has to be arranged, for which has to be discussed and agreed with the bank's representative and the decision taken will solely be based on bank's discretion

On account closure, unused cheques and Debit Card have to returned to the bank as a best practice. In case of inability to submit, the remaining cheques and the Debit Card will be de-activated as part of closure process.

On account closure, online banking account status will be shown as closed. Alternatively, you can request the bank for a closure confirmation.

You can transfer the credit balance to another bank account. Alternatively, you can request the bank to send a manager's cheque to your registered mailing address after netting off all dues to the bank.

Yes, you will have to submit the requisite form(s), duly completed to apply for a No Liability Letter. On a case to case basis, other documents might be requested through the branch.

You can submit the application for Liability / No Liability Letter at your nearest Branch, Call Center OR through Online banking. On successful completion of your application, you will be provided with a reference number to track your request.

Clearance Letter states that a specific liability has been cleared while a No Liability Letter states the customer has no existing liabilities.

Yes, a fee of AED 50, as outlined in the Schedule of Fees and Charges on Bank's official website is applicable.

Liability / No Liability Letter will be issued within the bank's defined service standard of 7 (seven) business days.

As soon as the letter is ready, you will receive an intimation message on your registered mobile number.

The letter can be collected from the nearest branch based on your convenience, except mall branches. Click here for branch locations.

Liability / No Liability Letter is valid for 15 days from the date of issuance

Individuals, ages 18 and above, can convert their minor account to a standard individual account by visiting the nearest Emirates NBD branch along with their passport or Emirates ID for identification.

The new Emirates NBD Skywards savings account and Visa debit card is one-of-a-kind program and a market first and offers the highest Skywards miles earning in UAE. The product also comes packed with travel and lifestyle benefits to best suit the frequent traveler's lifestyle.

You can contact your relationship manager to open a Skywards Savings Account and Visa Debit Card. Alternatively, you can call our 24/7 call center 600 54000 or visit any of our branches.

The minimum average monthly balance required is AED 500,000.

The new Emirates NBD Skywards Savings Account and Visa Debit Card offers a wide range of benefits.

  • You can earn up to 5 Skywards miles per USD equivalent spend on the Debit Card
  • You get a complimentary Emirates Skywards silver membership
  • You get complimentary access to 900+ airport lounges worldwide via LoungeKey
  • Up to 0.25% interest p.a. on the Savings Account balance
  • You can share the savings with the supplementary cards and earn Skywards miles on the spend
  • If you book your ticket with your debit card and get covered up to US $500,000 for travel accident and travel inconvenience on all trips up to 90 days.
  • You can get an additional warranty period of up to 1 year from the end of manufacturer warranty for items purchased with the Visa Debit Card
  • International Medical & Travel assistance Service helps you and your immediate family when you are travelling together to a location outside of your principal country of residence for up to 90 days. Services such as medical telephone advice, putting you in touch with a local medical service provider
  • Purchase protection covers theft or accidental damage of articles purchased with your Visa Debit Card

Yes, as long as you meet the minimum AED 500,000 account opening balance criteria in the Skywards Saving Account, the benefits will be available. You can transfer from existing account to Skywards Savings Account or bring in additional AED 500,000.

No, the Skywards Visa debit card can be linked only to your Skywards savings account.

Joining fee of AED 2,500 in for the first year and monthly fee of AED 200 from 2nd year of account opening onwards.

Yes, you are required to provide your Skywards number.

Initially 25,000 miles will be credited to your Skywards Savings Account, 45 days after the joining fee of AED 2,500 is paid. Another 25,000 miles will be credited 45 days after the average balance in the account is more than AED 750,000 on the 3rd month of account opening.

No, you can only open a Skywards account in UAE dirham.

All miles earned by primary and supplementary will go to the Skywards savings account of the primary debit cardholder.

Apply for

Emirates NBD Skywards Savings Account and Visa Debit Card

Apply now

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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