Route spending through Emirates, flydubai, Emirates Holidays.
Earn 5X here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Travel & Lifestyle
EMIRATES NBD · EMIRATES NBD SKYWARDS INFINITE CREDIT CARD
Emirates NBD Skywards Infinite Credit Card
ANNUAL FEE
₹1,575 waived at ₹3L spend
FIRST-YEAR NET VALUE
₹35,100 for a mid spender · travel
EMIRATES NBD Skywards Infinite
Updated January 2025 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Emirates NBD's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY UAE PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹35,100 first-year net value · mid spender · travel
Category rewards ₹35,100
Annual fee − ₹1,575
Fee waiver (met)· Annual fee waived for next year ₹1,575
Net first-year value ₹35,100
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1.0 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 5.0% back
Emirates, flydubai, Emirates Holidays 5X · 5.0%
Airlines, hotels, car rentals 3X · 3.0%
Restaurants and cafes 2X · 2.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Emirates NBD tweaks the program.
Line up your ₹3L before renewal.
Crossing ₹3L in the anniversary year waives the ₹1,575 fee — automatic for spenders at ₹25,000+/month. Watch your pace in months 10–12.
Don't sleep on Airlines, hotels, car rentals.
The second tier earns 3X (3.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹3,149 · + 18% GST · one-time
Annual fee (year 2+) ₹1,575 · waived at ₹3L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 0.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year via Priority Pass. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹3L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified January 2025. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.