Air Miles Credit Cards in UAE 2025 - Credit Cards, Earning & Benefits
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Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Automatic cash back on all purchases, with no minimum spend: <div>3% on Non-AED spend</div> <div>2% on Grocery Spend</div> <div>1% on all other spend</div>
- No caps (up to the credit limit each month), no redemption process and no spend categories excluded
Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Automatic cash back on all purchases, with no minimum spend:
3% on Non-AED spend2% on Grocery Spend1% on all other spend
- No caps (up to the credit limit each month), no redemption process and no spend categories excluded
- Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
- Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
- Talabat: 20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout
- Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
- Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
* No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies
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Advantages
- Get 1.75 Stars on 1 AED
- Discounts on movie tickets
Features
- Complimentary offers at fitness clubs
- Discounts on movies at Reel Cinemas, VOX Cinemas etc.
- Provides pickup and drop facility at the airport
Features
- Complimentary offers at fitness clubs
- Discounts on movies at Reel Cinemas, VOX Cinemas etc.
- Provides pickup and drop facility at the airport
- Can get free access to airport lounges in the Middle East region
- The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged.
The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged. - Minimum salary of AED 8000 is required
- Zero annual fees
Benefits
- Get Buy 1 Get 1 free offer on movie tickets at VOX Cinemas on tickets booked online using FAB Platinum Visa card
- Can get 4 (per month) movie tickets for the lowest price of AED 15(on weekdays) - AED 20(on weekends) at Reel Cinemas, Cine Royal, and Oscar Cinemas
- Pay only AED 30 on each visit to Fitness First Clubs (Maximum 4 visits per month)
- Free travel insurance is provided on tickets booked using FAB Platinum Visa Card
- Can get 2 free airport transfer services per annum
- Get reward stars on every dirham spent
- Can earn 1.75 stars on every dirham spent on international expenses and 1 Star on every AED spent on local expenses
- Can redeem stars for Lifestyle benefits, Dining, Etihad Guest Miles, Skyward Miles and much more
- Starting from September 2022 annual fee will be applicable to all Platinum credit cardholders.
- The annual fee is waived with a minimum annual spend of AED 18000.
- With salary transfer, AED 200 annual fee is charged.
- Without salary transfer, AED 300 annual fee is charged.
- Earn up to 3 FAB rewards on every AED 1 spent.
Advantages
- 40% off at golf clubs
- 30% off on dining
- 3%-7% off on air tickets & hotel bookings
Features
- Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
- Protect plus insurance.
Features
- Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
- Protect plus insurance.
- Enjoy and avail The Emirates NBD Installment plan.
- Enjoy paying Utility bill using various options.
- Get unlimited lounge access across middle east.
- Avail options like Instant cash, Credit shield and free 24/7 roadside assistance.
- The Forex rate stands at 1.99%
- You can avail an interest free period of up to 55 days.
You need to pay a minimum amount of 5% of the outstanding balance or AED 100, whichever is higher. - You need to have a minimum salary of AED 5000 to avail this card.
- You can transfer your balance at the rate 0.8%, with a choice of 3 to 36 months.
- The annual fee of this card is AED 420.
Benefits
- Get up to 40% discount at 100 Golf courses worldwide.
- Your Titanium Card provides the most convenient option for RTA Salik Auto top up.
- Up to 30% off at over 2000 restaurants across the UAE.
- Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
- For every AED 100 retail spend on your card, you will earn 1 Plus Points.
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
- MasterCard buy 1 get 1 offers.
- 15% off any order when you shop online with MarkaVIP across Saudi Arabia, UAE, Jordan, Lebanon, Qatar, Kuwait, Oman and Bahrain.
- Card fraud protection.
-
Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
- 0.99% on monthly fee on outstanding balance- Each cardholder can get decease cover up to AED 300,000- In case of hospitalization get AED 100 pay out per day. T&Cs apply- Can get job loss cover up to AED 60,000 up to 1 year or re-employment
- Plus points can be redeemed for cashback.
- Earn 1 plus point for every AED 100 spend.
- You can redeem your points with various merchants like supermarkets, cashback, frequent flyer miles etc.
Advantages
- 10% Cashback
- 2 free valet parking
- 50% OFF at VOX Cinemas
Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
- The interest rate of 3.85% is charged
- The minimum salary required for the month is AED 5000
- Get free for the first year on an annual fee and from the second year onwards AED 420 including VAT.
Benefits
- Earn 10% cashback on retail categories like bills, supermarkets, education, and transport
- Can get 50% OFF on ticket bookings made at Vox, or Reel Cinemas
- Enjoy the complimentary airport lounges across the world at more than 1,000 airports.
- Enjoy complimentary valet parking across 30 locations.
- Get Your travel Insurance with Multi-trip travel insurance with coverage of up to USD 500,000
- Enjoy the benefits of a 0% Easy Payment Plan, Balance Transfer & Quick Cash at competitive prices.
Advantages
- 1%-2% cashback on local & international expenses
- 20% discounted Careem rides 3/month
- Free airport lounge access
Features
- Get up to 1-2% cashback on expenses
- Discount on careem rides
- Offers at Costa Coffee
Features
- Get up to 1-2% cashback on expenses
- Discount on careem rides
- Offers at Costa Coffee
- Free access to airport lounges
- Interest rate of 3.45% is charged
- A minimum income of AED 5000 is required per month
- For the first year there is no annual fee charged. From the second year AED 525 is charged as annual fee.
Benefits
- 0% interest rate and 0% processing fee on balance transfer
- Unlimited complimentary access to over 20 local and international lounges
- Buy 1 coffee and at Costa Coffee and Get 1 free by paying the bill with your Platinum Credit Card
- Enjoy three 20% discounted Careem rides per month
- Get discounts at hotels.com
- Get 30% OFF on travel bookings made on cleartrip
- Get USD 50 off on expedia.com on making for flight tickets and hotel bookings
- Get 1% cashback on domestic expenses
- Get 2% cashback on international expenses
Advantages
- High benefits for travelers
- Get guest miles
- Free companion ticket
Features
- You can avail 4 supplementary cards with this card.
- Convenience to make your card payments in any of ADIB branches.
- Get instant SMS updates.
Features
- You can avail 4 supplementary cards with this card.
- Convenience to make your card payments in any of ADIB branches.
- Get instant SMS updates.
- High earning rewards program.
- This is an Islamic card.
- This card avails salary transfers.
- Get preferred rates from ADIB travel desk for airlines
- The Forex rate on this card is 2.3%
- Get a free grace period of 55 days to repay your outstanding balance.
- You can balance your transfer at the rate of 3% or AED 300.
- You need to pay an annual fee of AED 2000 to avail this card.
Benefits
- You can receive service from ADIB travel desk
- You can redeem your Etihad guest miles for House Furnishing, Travel Bookings, Electronics and Gifts for Friends and Family.
- You can withdraw 100% of your finance limit for your need of cash.
- Avail advance technology of chip and pin for safe transactions.
- Free companion ticket voucher, which is not available on any other card.
- Fast track to Etihad guest gold tier.
- Free airport lounge access via lounge key.
- Valet parking at select locations.
- Free roadside assistance.
- Earn a welcome bonus of 50,000 Etihad guest miles.
- Receive 3 Guest mile up to 4 AED spent internationally.
- Receive up to 2.2 guest miles for every 4 AED spent on local transactions.
- You can even pay for your ADIB Etihad Guest covered card’s annual fees using 60,600 Etihad guest miles.
Advantages
- 1 air mile on 4 AED spent
- Buy 1 get 1 free offers
- Discounts at vox cinemas
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
- This bank offers you an instant credit card with an instant approval.
- This card also provides an instant limit approval.
- This card also offers 24 hour delivery of your card.
- Avail Flexi plus installment program with which you can avail 0% installment plans for purchases.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 10,000 to be eligible for this card.
- You can transfer your balance at the rate of 0% for 6 months.
There is a processing fee of 2.99% or AED 200, whichever is higher. - There is no annual fee for this card.
Note: Beginning from 15th November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Avail 10% discount in on British Airways fares for flights from UAE to UK, Europe, USA and Canada.
- Access HSBC mobile app for more discounts and offers.
- Get exclusive offers on dining and shopping at 19000 outlets in 160 countries.
- Buy one get one free offers at VOX cinemas with this card.
- Enjoy 200 offers on Golf access programs across the MENA region.
- Avail purchase protection and extended warranty with this card.
- Avail Credit shield plus with this card.
- Avail supplementary cards with this card.
- Also avail Valet parking with this card.
- Enjoy airport dining at over 200 locations with this card and with the partnership of Dragonfly.
- Get up to AED 400 welcome bonus cashback on applying & Offer is valid only for primary cards. T&Cs Apply. The offer is valid up to 30 September 2023.
- Get up to 1 airmile for every AED 4 spent
Features
- Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant cash option up to 50%.
- Protect plus insurance.
Features
- Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant cash option up to 50%.
- Protect plus insurance.
- The Emirates NBD Installment plan.
- SMS alerts.
- Emirates NBD DoubleSecure.
- Free 24/7 roadside assistance.
- The Forex rate stands at 1.99%
- Your Emirates NBD Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
- You need a minimum salary of AED 5000 to avail this card.
- You can transfer balance at the rate of 0.8%, with a choice of 3 to 36 months.
Benefits
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
- Access to business facilities—email, Internet, phones, fax machines, and conference space in some lounges.
- unlimited airport lounges access at airport lounges across the Middle East.
- Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
- Up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe.
- 10% Discount on total bill at Red Café, Old Trafford.
- 20% Discount on Manchester United Stadium and Museum tour.
- Receive your memorable welcome gift a Manchester United Home Jersey, by simply spending AED 2000, within the first 30 days.
- Receive an exclusive Manchester United 'RED Box' filled with official Manchester United merchandise, by simply spending AED 6000 in the first 6 months.
- Enjoy double rewards on all your international purchases.
-
Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
-0.99% on monthly fee on outstanding balance-Each card holder can get decease cover up to AED 300,000-In case of hospitalization get AED 100 pay out per day. T&Cs apply-Can get job loss cover up to AED 60,000 up to 1 year or re-employment
- You can earn 1 red point for every AED spent on retail purchases.
- You can earn double rewards on all your international purchases.
- You can earn 5 times the rewards on all dining.
- You can earn 10 times rewards on sports apparels, accessories from leading sports good stores in UAE. Convert Red Points into shopping rewards.
Features
- Earn high rewards on every transaction made
- Get lifestyle, travel benefits
Features
- Earn high rewards on every transaction made
- Get lifestyle, travel benefits
- An interest rate of 2.79% of the balance utilized will be charged
- A minimum income of AED 40,000 is required per month
- No annual fees for a year. From second year AED 1500 is charged
Benefits
- Free access to airport lounges anywhere in the world
- Get complimentary travel insurance
- Special discount on bookings made through hotelclub.com
- Get Harrods Rewards Black-tier card for free
- Get 1% cashback on purchases
Advantages
- Earn 1 wala rewards for every 1 AED spent
- No annual fees
- 80% cash withdrawal limit
Features
- This card is an Islamic card.
- This card caters to your financial needs like no other card.
- This card comes with modern day convenience.
Features
- This card is an Islamic card.
- This card caters to your financial needs like no other card.
- This card comes with modern day convenience.
- This card comes with worldwide acceptance.
- The forex rate stands at 2.26% for this card.
- The repayment period is 20 days from the date of statement.
- You need a minimum salary of AED 5000 to avail this card.
- This bank provides the facility to transfer the balances of any other card to this card.
This facility can be availed through Al Islami Online Banking, Al Islami Mobile Banking, and through Express Banking Terminals.
80% of the cash limit or 100% of the available cash limit can be used for balance transfer facility.
A customer can do multiple balance transfer transactions with this card.
For balance transfer, you can do a minimum amount of AED 100 and maximum amount of AED 2,50,000. - There is no annual fee on this card.
Benefits
- You can redeem Wala's payments for Utility bills and get 2% back.
- You can automatically get enrolled into roadside assistance with this card.
- You can keep the membership card handy, and avail the roadside assistance service when you feel like throughout the week.
- Avail personal accident cover, abd get yourself and your family protected.
- This card comes with 0% interest to pay.
- Get travel insurance along with your air ticket.
- You can also avail credit shield (Takaful) with this card.
- Avail card protection plus to protect your card from any misuse.
- With Wala reward system, you will get 0.50% of your spends, which can be redeemed for hotel bookings, flights, electronics, household and utility payments.
Air miles Credit Cards in UAE
Banks and financial institutions usually offer rewards to credit cardholders for using their cards. They try and establish a regular spending pattern among cardholders and incentivize them for the same. These rewards are designed taking into consideration the varied preferences of consumers. One such reward program is Miles.
What are Air Miles?
Miles is a loyalty program provided on regular purchases where you accumulate free reward points, dubbed as ‘miles,’ based on the amount spent. There are two types of miles provided in UAE: Air Miles and Airline Specific Miles. Emirates Skywards Miles and Etihad Guest Miles come under the Airline Specific Miles. With an increase in the number of people traveling for business and pleasure, banks and financial institutions offer Air Miles on Credit Card to help you earn some travel rewards.
What are Air Miles Credit Cards?
Keeping the requirement of frequent travelers in mind, Miles cards allow the cardholder to accumulate ‘miles’ against the transactions done on the card. These miles can be redeemed against travel-based expenses like the purchase of flight tickets, renting cars, etc. Usually, banks offer these benefits based on a tie-up with certain airlines. Due to a strong expat population, many people in the UAE opt for miles as the preferred loyalty program on their credit card. Some banks have started offering a welcome bonus of air miles against high annual fees on the card.
These Miles are offered by airlines like Emirates, FlyDubai and Etihad. Credit Card providers have tie-ups with these airlines and provide miles.
How do I earn Air Miles?
Air Miles can be earned by
- Enrolling on the Air Miles website and making purchases using the virtual card provided
- Or by using air miles partnered credit cards like HSBC credit cards in UAE
Emirates Skywards Miles or Etihad Guest Miles can be earned by using the specific credit cards.
Every merchant/ outlet/ credit card provider offers a different conversion rate which can vary from 0.5 miles per dirham spent upwards. If you focus only on the miles, then you might end up spending unnecessarily to boost your miles which can be counterproductive. Here's how you can earn air miles:
- Check the outlets/ purchase categories that are eligible to earn miles
- Make purchases according to your requirement and earn miles accordingly.
Which banks offer Air Miles Credit cards in UAE?
Most banks and financial institutions offering credit cards have Miles reward program for frequent travelers.
Here's a list of Air Miles Credit Cards
ADIB Emirates Skywards Card
ADIB offers skywards miles on the transactions made using the cards. There are two variants of cards provided: ADIB Emirates Skywards World Card and ADIB Emirates Skywards World Elite Card.
- Get up to 120,000 miles on World Elite Card and 60,000 miles on World Card as Welcome Bonus
- Get upgrade to Emirates Gold tier Membership on both the Cards
- Emirates and FlyDubai spends - Get 2.5 miles on every AED 3.68 spent using World Card and Get 3 miles on every AED 3.68 spent using World Card
- Foreign Currency spends - Get 1.5 miles on every AED 3.68 spent using World Card and Get 2 miles on every AED 3.68 spent using World Card
- Domestic currency spends - Get 1 mile on every AED 3.68 spent using World Card and Get 1.5 miles on every AED 3.68 spent using World Card
- Specific Category Purchases (Utility bills, Education, Public Transport, Government services, etc.) - Get 0.25 miles on every AED 3.68 spent using World Card and Get 0.25 miles on every AED 3.68 spent using World Card
- Can avail Home check-in facility for free
- Free airport transfer facility in the UAE
- Access to airport lounges worldwide
- Free access to golf clubs
- Free Valet parking facility
- Free travel inconvenience cover and travel medical cover
ADCB Etihad Guest Above Credit Card
Etihad Guest payment cards reward cardholders for their daily purchases. Etihad has tied up with several banks to offer Etihad Guest Credit cards and an opportunity for consumers to earn Etihad miles. The ADCB Etihad Guest Above Credit Card offered by the Abu Dhabi Commercial Bank has three variants; Infinite, Signature & Platinum with features:
- 12,000 Welcome Bonus Miles on Platinum Card, 35,000 on Signature Card and 60,000 on Infinite Card
- 1,000 Monthly Bonus Miles on Platinum Card, 2000 on Signature Card and 5000 on Infinite Card
- Complimentary one-way Airport Chauffeur service for the Platinum card and Infinite Card
- Complimentary Upgrade Vouchers
- Purchase Protection
- Multi-Trip Travel Insurance
- Balance Transfer and Credit Card Loan
HSBC Credit Card
HSBC Credit cards offer an exciting air miles rewards program along with a plethora of travel and lifestyle benefits. HSBC offers five variants of credit cards Black, Premier, Advance, Cashback and Platinum Select and the features:
- 250,000 Air miles as a signup offer
- Cashback offers
- Complimentary at 750+ airport lounges
- Up to 10% Travel discounts
Emirates Islamic Skywards Infinite Credit Card
It offers not only air miles but also many discounts on the price range and various complimentary offers.
- Upgrade to Emirates Skywards Silver Membership
- Complimentary lounge access with a guest
- Free valet parking
- Multi-trip travel insurance
- Balance transfer facility
FAQs
⭐ Do Air Miles have an expiry date?
A. Yes. Air Miles earned are valid for 3 years.
⭐ When and how can I start redeeming my Air Miles?
A. Air Miles can be used to book flight tickets, upgrade your flight, renting cars and many such travel related expenses. You must check with the bank for options available for redeeming air miles.
⭐ Is there a minimum criterion to spend miles earned?
A. Yes. In order to redeem the miles earned, you need to have a minimum certain number of miles i.e. to redeem air miles on shopping vouchers, etc. you need minimum 14000 air miles. This may be different in the case of Skywards miles or Etihad guest miles.
⭐ Can I get the details of the miles earned in my monthly billing statement?
A. Yes. The details of the miles earned and available is provided on the monthly billing statement.
⭐ Can I redeem my air miles only on travel bookings?
A. No. Air Miles can be redeemed for travel bookings, hotel stays, shopping vouchers, dining vouchers, and much more.
⭐ Do I earn miles on paying school fees as well?
A. Yes. Miles can be earned on paying school fees using the credit card.
⭐ How many miles do I need to get a free flight ticket?
A. The number of miles required to get a free flight ticket depends upon the card provider, itinerary of the journey. You can use miles calculator like Emirates Skywards Miles Calculator or Etihad Guest Miles Calculator to check how many miles you might need to get a free flight ticket.
⭐ Can I use miles to get flight upgrades?
A. Yes. Miles can be used to get flight upgrades.
⭐ What is the validity of Emirates Skywards and Etihad Guest Miles?
A. Emirates Skywards Miles are valid for 3 years and Etihad Guest Miles are valid for maximum 3 years.
⭐ Can I convert my miles to cash?
A. No. Miles can't be converted to cash.
⭐ Can I cancel the miles redeemed?
A. No. The miles once redeemed can't be cancelled.
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