Which card is easier to qualify for in this comparison?

The card with the lowest listed minimum salary may be easier to qualify for, but final approval depends on the bank's checks and documents.

Should I choose the card with the highest cashback?

Not always. Compare annual fee, salary requirement, reward caps, spending categories, monthly retail/cash rates, and official terms before deciding.

Card comparison

Emirates Skywards Visa Signature Card vs Etihad Guest Platinum Credit Card vs SIB Smiles World Mastercard vs ADIB Booking Signature Card

Compare Emirates Skywards Visa Signature Card from Abu Dhabi Islamic Bank, Etihad Guest Platinum Credit Card from Emirates Islamic, SIB Smiles World…

Emirates Skywards Visa Signature Card card image

Abu Dhabi Islamic Bank Emirates Skywards Visa Signature Card

Salary: AED 5,000
Fee: AED 1,500
Reward: 4%

Etihad Guest Platinum Credit Card card image

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

Abu Dhabi Islamic Bank ADIB Booking Signature Card

Salary: AED 5,000
Fee: AED 299
Reward: miles

Side by side

Compare key facts

Emirates Skywards Visa Signature CardAbu Dhabi Islamic Bank

Etihad Guest Platinum Credit CardEmirates Islamic SIB Smiles World Mastercard card image

SIB Smiles World MastercardSharjah Islamic Bank ADIB Booking Signature Card card image

ADIB Booking Signature CardAbu Dhabi Islamic Bank

Rewards

Reward details

Emirates Skywards Visa Signature Card

50,000 miles - First spend bonus of 50,000 Skywards miles
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

ADIB Booking Signature Card

Cashback
Miles
Lounge
Travel
Islamic
Low fee

Eligibility

Minimum Salary

Emirates Skywards Visa Signature CardAED 5,000•

Etihad Guest Platinum Credit CardAED 5,000•

SIB Smiles World MastercardAED 5,000•

ADIB Booking Signature CardAED 5,000•

Required Documents

Emirates Skywards Visa Signature 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

ADIB Booking Signature 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)

Fees and rates

Annual Fee

Emirates Skywards Visa Signature CardAED 1,500↑

Etihad Guest Platinum Credit CardAED 208.95↓

SIB Smiles World MastercardAED 525•

ADIB Booking Signature CardAED 299•

First Year Annual Fee

Emirates Skywards Visa Signature CardNot listed

Etihad Guest Platinum Credit CardAED 0

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardNot listed

Foreign Transaction Fee

Emirates Skywards Visa Signature CardNot listed

Etihad Guest Platinum Credit Card2.34%↓

SIB Smiles World Mastercard2.5%•

ADIB Booking Signature Card3%↑

APR

Emirates Skywards Visa Signature Card45.63% APR↑

Etihad Guest Platinum Credit Card44.28% APR•

SIB Smiles World Mastercard29.88% APR↓

ADIB Booking Signature Card45.63% APR↑

Cash Advance Fee

Emirates Skywards Visa Signature CardNot listed

Etihad Guest Platinum Credit CardAED 3.15•

SIB Smiles World MastercardAED 3.15•

ADIB Booking Signature CardNot listed

Cashback and rewards

Rewards

Emirates Skywards Visa Signature Card
50,000 miles - First spend bonus of 50,000 Skywards miles
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

ADIB Booking Signature Card
Cashback
Miles
Lounge
Travel
Islamic
Low fee

Headline cashback

Emirates Skywards Visa Signature Card
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.

ADIB Booking Signature Card
com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.

Reward Rate

Emirates Skywards Visa Signature Card
50,000 miles - First spend bonus of 50,000 Skywards miles
Cashback
Miles
Lounge
Travel

Etihad Guest Platinum Credit Card
Cashback
Miles
Lounge
Dining
Travel
Cinema
Low fee
↑

ADIB Booking Signature Card
Cashback
Miles
Lounge
Travel
Islamic
Low fee
↓

Welcome Bonus

Emirates Skywards Visa Signature Card
50,000 miles - First spend bonus of 50,000 Skywards miles
Cashback
Miles
Lounge
Travel
↓

Etihad Guest Platinum Credit Card
Cashback
Miles
Lounge
Dining
Travel
Cinema
Low fee

ADIB Booking Signature Card
Cashback
Miles
Lounge
Travel
Islamic
Low fee

Travel

Airport Lounge Access

Emirates Skywards Visa Signature Cardmentioned

Etihad Guest Platinum Credit Cardmentioned

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardNot listed

Valet Parking

Emirates Skywards Visa Signature CardNot listed

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardFree valet parking two times a month

Card Network

Emirates Skywards Visa Signature CardVisa

Etihad Guest Platinum Credit CardVisa

SIB Smiles World MastercardMastercard

ADIB Booking Signature CardVisa

Card type

Sharia Compliant

Emirates Skywards Visa Signature CardYes

Etihad Guest Platinum Credit CardYes

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardYes

Islamic

Emirates Skywards Visa Signature CardYes

Etihad Guest Platinum Credit CardYes

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardYes

Other useful facts

APR

Emirates Skywards Visa Signature Card45.63%↑

Etihad Guest Platinum Credit Card44.28%•

SIB Smiles World Mastercard29.88%↓

ADIB Booking Signature Card45.63%↑

Monthly purchase rate

Emirates Skywards Visa Signature Card3.75%•

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature Card3.75%•

Movie Benefit

Emirates Skywards Visa Signature CardNot listed

Etihad Guest Platinum Credit CardMovie Offers

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardNot listed

Campaign Period

Emirates Skywards Visa Signature Card11 June 2026 to 31 August 2026

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature Card11 June 2026 to 31 August 2026

Application Deadline

Emirates Skywards Visa Signature Card15 September 2026

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature Card15 September 2026

Eligibility

Emirates Skywards Visa Signature CardApply during campaign period, card issued by 15 Sept 2026

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardApply during campaign period, card issued by 15 Sept 2026

Min Spend

Emirates Skywards Visa Signature CardMeeting required spends criteria

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardMeeting required spends criteria

Profit Amount

Emirates Skywards Visa Signature CardMarkup added to Original Cost

Etihad Guest Platinum Credit CardNot listed

SIB Smiles World MastercardNot listed

ADIB Booking Signature CardNot listed

EligibilityFees & ratesCashback & rewardsTravelCard typeOther useful facts

Field	Emirates Skywards Visa Signature CardAbu Dhabi Islamic Bank	Etihad Guest Platinum Credit CardEmirates Islamic	SIB Smiles World MastercardSharjah Islamic Bank	ADIB Booking Signature CardAbu Dhabi Islamic Bank
Rewards
Reward details	50,000 miles - First spend bonus of 50,000 Skywards miles Cashback Miles Lounge Travel	Cashback Miles Lounge Dining Travel Cinema Low fee	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	Cashback Miles Lounge Travel Islamic Low fee
Eligibility
Minimum Salary	AED 5,000•	AED 5,000•	AED 5,000•	AED 5,000•
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)	Valid Emirates ID - Mandatory - A valid Emirates ID Proof of Income - Mandatory - Latest salary certificate or proof of income Passport - Mandatory - Valid passport	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	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)
Fees and rates
Annual Fee	AED 1,500↑	AED 208.95↓	AED 525•	AED 299•
First Year Annual Fee	Not listed	AED 0	Not listed	Not listed
Foreign Transaction Fee	Not listed	2.34%↓	2.5%•	3%↑
APR	45.63% APR↑	44.28% APR•	29.88% APR↓	45.63% APR↑
Cash Advance Fee	Not listed	AED 3.15•	AED 3.15•	Not listed
Cashback and rewards
Rewards	50,000 miles - First spend bonus of 50,000 Skywards miles Cashback Miles Lounge Travel	Cashback Miles Lounge Dining Travel Cinema Low fee	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	Cashback Miles Lounge Travel Islamic Low fee
Headline cashback	Up to 4%	Cashback	The SIB Visa Infinite Covered Card provides premium benefits including 10% cashback, airport lounge access, rewards program, and coverage benefits.	com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.
Reward Rate	50,000 miles - First spend bonus of 50,000 Skywards miles Cashback Miles Lounge Travel	Cashback Miles Lounge Dining Travel Cinema Low fee ↑	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 •	Cashback Miles Lounge Travel Islamic Low fee ↓
Welcome Bonus	50,000 miles - First spend bonus of 50,000 Skywards miles Cashback Miles Lounge Travel ↓	Cashback Miles Lounge Dining Travel Cinema Low fee	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 ↑	Cashback Miles Lounge Travel Islamic Low fee
Travel
Airport Lounge Access	mentioned	mentioned	Not listed	Not listed
Valet Parking	Not listed	Not listed	Not listed	Free valet parking two times a 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%↓	45.63%↑
Monthly purchase rate	3.75%•	Not listed	Not listed	3.75%•
Movie Benefit	Not listed	Movie Offers	Not listed	Not listed
Campaign Period	11 June 2026 to 31 August 2026	Not listed	Not listed	11 June 2026 to 31 August 2026
Application Deadline	15 September 2026	Not listed	Not listed	15 September 2026
Eligibility	Apply during campaign period, card issued by 15 Sept 2026	Not listed	Not listed	Apply during campaign period, card issued by 15 Sept 2026
Min Spend	Meeting required spends criteria	Not listed	Not listed	Meeting required spends criteria
Profit Amount	Markup added to Original Cost	Not listed	Not listed	Not listed

Compare options

Top Credit Cards to compare

Product	Bank	Annual fee	Salary	APR	Cashback	Rewards	Network	Details
Emirates Skywards Visa Signature CardCashback · Miles · Lounge	Abu Dhabi Islamic Bank	AED 1,500	AED 5,000	45.63% APR	4%	CashbackMilesLoungeTravel	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	CashbackMilesLoungeDiningTravelCinemaLow fee	Visa	Details
SIB Smiles World MastercardCashback · Miles · Lounge	Sharjah Islamic Bank	AED 525	AED 5,000	29.88% APR	AED 1.5	CashbackMilesLoungeGroceriesTravelIslamic	Mastercard	Details
ADIB Booking Signature CardCashback · Miles · Lounge	Abu Dhabi Islamic Bank	AED 299	AED 5,000	45.63% APR	AED 0.5	CashbackMilesLoungeTravelIslamicLow fee	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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UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.