Abu Dhabi Islamic Bank
Emirates Skywards Visa Infinite Card
- Salary
- AED 5,000
- Fee
- AED 4,500
- Reward
- 4%
Card comparison
Emirates Skywards Visa Infinite Card vs Etihad Guest Platinum Credit Card vs SIB Smiles World Mastercard vs Skywards Black Credit Card
Compare Emirates Skywards Visa Infinite Card from Abu Dhabi Islamic Bank, Etihad Guest Platinum Credit Card from Emirates Islamic, SIB Smiles World…
Abu Dhabi Islamic Bank
Emirates Skywards Visa Infinite Card
Emirates Islamic
Etihad Guest Platinum Credit Card
- Salary
- AED 5,000
- Fee
- AED 208.95
- Reward
- Etihad Guest Miles
Sharjah Islamic Bank
SIB Smiles World Mastercard
- Salary
- AED 5,000
- Fee
- AED 525
- Reward
- Not listed
Emirates Islamic
Skywards Black Credit Card
- Salary
- AED 35,000
- Fee
- AED 5,775
- Reward
- Skywards Miles
Side by side
Compare key facts
Emirates Skywards Visa Infinite CardAbu Dhabi Islamic BankEtihad Guest Platinum Credit CardEmirates IslamicSIB Smiles World MastercardSharjah Islamic BankSkywards Black Credit CardEmirates Islamic
Rewards
Reward details
Emirates Skywards Visa Infinite Card
Cashback- Miles
- Lounge
- Travel
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
SIB Smiles World Mastercard
- 50,000 bonus Smiles - Apply and earn 50,000 Bonus Smiles for spending AED 20,000 within 90 days of card issuance
- 1.5 Smiles per AED 2 - Earn 1.5 Smiles for every AED 2 spent locally
- 3 Smiles per AED 2 - Earn 3 Smiles for every AED 2 spent internationally
- 0.75 Smiles per AED 2 - Earn 0.75 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Cashback
- Miles
- Lounge
- Groceries
Skywards Black Credit Card
- Skywards Miles - Earn up to 3.5 Skywards Miles per USD spent
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Eligibility
Minimum Salary
Emirates Skywards Visa Infinite CardAED 5,000↓
Etihad Guest Platinum Credit CardAED 5,000↓
SIB Smiles World MastercardAED 5,000↓
Skywards Black Credit CardAED 35,000↑
Required Documents
Emirates Skywards Visa Infinite Card
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)
Etihad Guest Platinum Credit Card
- Valid Emirates ID - Mandatory - A valid Emirates ID
- Proof of Income - Mandatory - Latest salary certificate or proof of income
- Passport - Mandatory - Valid passport
SIB Smiles World Mastercard
- Application form
- Passport and Emirates ID copy
- Valid residence visa for expatriates
- Proof of income
- Bank statement
- Valid trade license for self-employed applicants
- Memorandum of association / partnership agreement / power of attorney where applicable
Skywards Black Credit Card
- Valid Emirates ID - Proof of identity - A valid Emirates ID
- Salary Certificate - Proof of income - Latest salary certificate or proof of income showing AED 35,000 minimum salary
- Passport - Proof of nationality - Valid passport
Fees and rates
Annual Fee
Emirates Skywards Visa Infinite CardAED 4,500•
Etihad Guest Platinum Credit CardAED 208.95↓
SIB Smiles World MastercardAED 525•
Skywards Black Credit CardAED 5,775↑
First Year Annual Fee
Emirates Skywards Visa Infinite CardNot listed
Etihad Guest Platinum Credit CardAED 0↓
SIB Smiles World MastercardNot listed
Skywards Black Credit CardAED 5,775↑
Foreign Transaction Fee
Emirates Skywards Visa Infinite CardNot listed
Etihad Guest Platinum Credit Card2.34%•
SIB Smiles World Mastercard2.5%↑
Skywards Black Credit Card1.84%↓
APR
Emirates Skywards Visa Infinite Card45.63% APR↑
Etihad Guest Platinum Credit Card44.28% APR•
SIB Smiles World Mastercard29.88% APR↓
Skywards Black Credit Card39% APR•
Cash Advance Fee
Emirates Skywards Visa Infinite CardNot listed
Etihad Guest Platinum Credit CardAED 3.15•
SIB Smiles World MastercardAED 3.15•
Skywards Black Credit CardAED 3.15•
Cashback and rewards
Rewards
Emirates Skywards Visa Infinite Card
Cashback- Miles
- Lounge
- Travel
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
SIB Smiles World Mastercard
- 50,000 bonus Smiles - Apply and earn 50,000 Bonus Smiles for spending AED 20,000 within 90 days of card issuance
- 1.5 Smiles per AED 2 - Earn 1.5 Smiles for every AED 2 spent locally
- 3 Smiles per AED 2 - Earn 3 Smiles for every AED 2 spent internationally
- 0.75 Smiles per AED 2 - Earn 0.75 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Cashback
- Miles
- Lounge
- Groceries
Skywards Black Credit Card
- Skywards Miles - Earn up to 3.5 Skywards Miles per USD spent
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Headline cashback
Emirates Skywards Visa Infinite Card
- The Emirates Skywards Visa Infinite Card from ADIB provides exclusive benefits including 4% cashback, airport lounge access, Emirates Skywards miles, and a welcome offer of AED 1,000.
- Up to 4%
Etihad Guest Platinum Credit Card
- Cashback
SIB Smiles World Mastercard
- The SIB Visa Infinite Covered Card provides premium benefits including 10% cashback, airport lounge access, rewards program, and coverage benefits.
Skywards Black Credit Card
- Cashback
Reward Rate
Emirates Skywards Visa Infinite Card
- Cashback
- Miles
- Lounge
- Travel
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
SIB Smiles World Mastercard
- 50,000 bonus Smiles - Apply and earn 50,000 Bonus Smiles for spending AED 20,000 within 90 days of card issuance
- 1.5 Smiles per AED 2 - Earn 1.5 Smiles for every AED 2 spent locally
- 3 Smiles per AED 2 - Earn 3 Smiles for every AED 2 spent internationally
- 0.75 Smiles per AED 2 - Earn 0.75 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Cashback
- Miles
- Lounge
- Groceries
Skywards Black Credit Card
- Skywards Miles - Earn up to 3.5 Skywards Miles per USD spent
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Welcome Bonus
Emirates Skywards Visa Infinite Card
- Cashback
- Miles
- Lounge
- Travel
Etihad Guest Platinum Credit Card
- Cashback
- Miles
- Lounge
- Dining
- Travel
- Cinema
- Low fee
SIB Smiles World Mastercard
- 50,000 bonus Smiles - Apply and earn 50,000 Bonus Smiles for spending AED 20,000 within 90 days of card issuance
- 1.5 Smiles per AED 2 - Earn 1.5 Smiles for every AED 2 spent locally
- 3 Smiles per AED 2 - Earn 3 Smiles for every AED 2 spent internationally
- 0.75 Smiles per AED 2 - Earn 0.75 Smiles for every AED 2 spent on education, government services, utilities, and supermarket transactions
- Cashback
- Miles
- Lounge
- Groceries
Skywards Black Credit Card
- Skywards Miles - Earn up to 3.5 Skywards Miles per USD spent
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Travel
Airport Lounge Access
Emirates Skywards Visa Infinite Cardmentioned
Etihad Guest Platinum Credit Cardmentioned
SIB Smiles World MastercardNot listed
Skywards Black Credit CardUnlimited access to 1,200+ lounges with a guest
Valet Parking
Emirates Skywards Visa Infinite CardNot listed
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit Card3 complimentary valet parking services per month
Card Network
Emirates Skywards Visa Infinite CardVisa
Etihad Guest Platinum Credit CardVisa
SIB Smiles World MastercardMastercard
Skywards Black Credit CardVisa
Card type
Sharia Compliant
Emirates Skywards Visa Infinite CardYes
Etihad Guest Platinum Credit CardYes
SIB Smiles World MastercardNot listed
Skywards Black Credit CardYes
Islamic
Emirates Skywards Visa Infinite CardYes
Etihad Guest Platinum Credit CardYes
SIB Smiles World MastercardNot listed
Skywards Black Credit CardYes
Other useful facts
APR
Emirates Skywards Visa Infinite Card45.63%↑
Etihad Guest Platinum Credit Card44.28%•
SIB Smiles World Mastercard29.88%↓
Skywards Black Credit Card39%•
Monthly purchase rate
Emirates Skywards Visa Infinite Card3.75%
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit CardNot listed
Movie Benefit
Emirates Skywards Visa Infinite CardNot listed
Etihad Guest Platinum Credit CardMovie Offers
SIB Smiles World MastercardNot listed
Skywards Black Credit CardMovie Offers
Campaign Period
Emirates Skywards Visa Infinite Card11 June 2026 to 31 August 2026
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit CardNot listed
Application Deadline
Emirates Skywards Visa Infinite Card15 September 2026
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit CardNot listed
Eligibility
Emirates Skywards Visa Infinite CardApply during campaign period, card issued by 15 Sept 2026
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit CardNot listed
Min Spend
Emirates Skywards Visa Infinite CardMeeting required spends criteria
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit CardNot listed
Profit Amount
Emirates Skywards Visa Infinite CardMarkup added to Original Cost
Etihad Guest Platinum Credit CardNot listed
SIB Smiles World MastercardNot listed
Skywards Black Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts
| Field | Emirates Skywards Visa Infinite CardAbu Dhabi Islamic Bank | Etihad Guest Platinum Credit CardEmirates Islamic | SIB Smiles World MastercardSharjah Islamic Bank | Skywards Black Credit CardEmirates Islamic |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 5,000↓ | AED 5,000↓ | AED 5,000↓ | AED 35,000↑ |
| Required Documents |
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| Fees and rates | ||||
| Annual Fee | AED 4,500• | AED 208.95↓ | AED 525• | AED 5,775↑ |
| First Year Annual Fee | Not listed | AED 0↓ | Not listed | AED 5,775↑ |
| Foreign Transaction Fee | Not listed | 2.34%• | 2.5%↑ | 1.84%↓ |
| APR | 45.63% APR↑ | 44.28% APR• | 29.88% APR↓ | 39% APR• |
| Cash Advance Fee | Not listed | AED 3.15• | AED 3.15• | AED 3.15• |
| Cashback and rewards | ||||
| Rewards |
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| Headline cashback |
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| Reward Rate |
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| Welcome Bonus |
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| Travel | ||||
| Airport Lounge Access | mentioned | mentioned | Not listed | Unlimited access to 1,200+ lounges with a guest |
| Valet Parking | Not listed | Not listed | Not listed | 3 complimentary valet parking services per month |
| Card Network | Visa | Visa | Mastercard | Visa |
| Card type | ||||
| Sharia Compliant | Yes | Yes | Not listed | Yes |
| Islamic | Yes | Yes | Not listed | Yes |
| Other useful facts | ||||
| APR | 45.63%↑ | 44.28%• | 29.88%↓ | 39%• |
| Monthly purchase rate | 3.75% | Not listed | Not listed | Not listed |
| Movie Benefit | Not listed | Movie Offers | Not listed | Movie Offers |
| Campaign Period | 11 June 2026 to 31 August 2026 | Not listed | Not listed | Not listed |
| Application Deadline | 15 September 2026 | Not listed | Not listed | Not listed |
| Eligibility | Apply during campaign period, card issued by 15 Sept 2026 | Not listed | Not listed | Not listed |
| Min Spend | Meeting required spends criteria | Not listed | Not listed | Not listed |
| Profit Amount | Markup added to Original Cost | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Emirates Skywards Visa Infinite CardCashback · Miles · Lounge
|
Abu Dhabi Islamic Bank | AED 4,500 | AED 5,000 | 45.63% APR | 4% | Cashback Miles Lounge Travel | Visa | Details | |
|
Etihad Guest Platinum Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 208.95 | AED 5,000 | 44.28% APR | Up to 2 Etihad Guest Miles per USD spent | CashbackMilesLounge DiningTravel Cinema Low fee | Visa | Details | |
|
SIB Smiles World MastercardCashback · Miles · Lounge
|
Sharjah Islamic Bank | AED 525 | AED 5,000 | 29.88% APR | AED 1.5 | CashbackMilesLounge GroceriesTravel Islamic | Mastercard | Details | |
|
Skywards Black Credit CardCashback · Miles · Lounge
|
Emirates Islamic | AED 5,775 | AED 35,000 | 39% APR | Up to 3.5 Skywards Miles per USD spent | CashbackMilesLoungeTravelCinemaIslamic | Visa | Details |
APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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