Skywards Savings Account and Visa Debit Card

Skywards Miles

Earn up to 5 Skywards Miles per USD equivalent spend on the debit card

Interest

Up to 0.25% interest p.a. on the savings account balance

Emirates Skywards Silver membership

Enhance your travel experience

Airport Lounge Access

Complimentary access to over 1000 lounges worldwide via LoungeKey

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.

For Accounts onboarded from 1^st May 2025

Average monthly balance (AED)	Skywards Miles per USD or equivalent spend on debit card
	Domestic spends	International spends	Monthly limits on miles earned
1,000,000 and above	4.00	5.00	83,333
500,000 to 999,999	2.00	2.50	50,000
250,000 to 499,999	1.00	1.25	30,000

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 accommodation, 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

SKYWARDS MILES

Maximum miles awarded in a given statement cycle

Capped based on average monthly balance.

Average Monthly Account Balance	Monthly Miles Capping
250,000 to 499,999	30,000
500,000 to 999,999	50,000
1,000,000 and above	83,333

Domestic retail spend made under category:

Grocery and Supermarkets, Insurance, Car dealership will earn 25% of the Miles
Petroleum, Government Services, Utility Payments, Real Estate, Education & Telecommunication Payment will earn 10% of the Miles.

Click here for terms and conditions

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.

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

Tee off and conquer new terrain

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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 the 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 the 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 the 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 the 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 the 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 the 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 the 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 the 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 the 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 the 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 the 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

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

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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

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?

How can I open an Account?

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.

What information/ documents do I need to provide to open an account?

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

How do I update my registered address on the Account(s)?

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

How do I update my mobile number on the Account(s)?

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:

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

How do I update my registered email address on the Account(s)?

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:

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

How can I open an Account?

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.

What information/ documents do I need to provide to open an account?

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

How do I update my registered address on the Account(s)?

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

How do I update my mobile number on the Account(s)?

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:

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

How do I update my registered email address on the Account(s)?

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:

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

How do I change my name on the Account(s)?

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

How do I update the signature on my account(s)?

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

How do I add or remove a joint account holder on my account(s)?

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

Can I open an account for my children (below 18)?

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.

How do I add a Power of Attorney (POA) holder to my Account?

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

What are the options available to view my Account balance and statements?

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.

How do I request for a duplicate statement for my account?

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.

How is my average monthly balance calculated?

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.

Am I eligible to request for a cheque book?

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.

How do I request for a cheque book?

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

How can I place a stop payment on my cheque?

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.

How do I close my Account?

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

What will happen to my Direct Debits and Standing orders when I close my 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.

I have Credit Cards/ Personal Loan/ Auto Loan/ an Overdraft as well, do I need to close these if I am submitting a request to close my account?

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

Do I need to submit my unused cheques/ cheque book/ Debit Card when I close my account?

On account closure, unused cheques and Debit Card have to be 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.

How will I know when my account is closed?

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

If I have a credit balance in my account, how can I receive my funds?

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.

Are there any requirements to apply for a Liability / No Liability letter?

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.

Are there any requirements to apply for a Liability / No Liability letter?

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.

What is the difference between a Clearance Letter and a No Liability Letter?

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

Do I have to pay any charges for Liability / No Liability letter?

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

What is the time frame to process and issue a Liability / No Liability Letter request?

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

How will I know that the Liability Letter / No Liability Letter is ready?

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

Where can I collect the Liability / No Liability Letter once it is ready?

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

What is the validity of the Liability / No Liability Letter?

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

How can I convert my Minor account to a standard individual account?

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.

What is a Skywards savings account and Visa debit card?

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.

I am an existing customer, how can I sign up for a Skywards savings account and Visa debit card?

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.

What is the minimum average monthly balance required to be eligible to open a Skywards savings account?

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

What benefits do I get with my Skywards savings account and Visa debit card?

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

I am an existing customer, will I be eligible for the benefits of Skywards Savings Account and Visa Debit Card if I transfer the minimum balance required from an existing account?

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.

Can I link my Skywards Visa debit card to my existing non Skywards savings account?

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

What are the fees associated with my 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.

I am an existing Skywards credit card holder, do I still need to provide my Skywards number?

Yes, you are required to provide your Skywards number.

When will my bonus miles get credited to my Skywards savings account?

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.

Can I open the Skywards savings account in a foreign currency?

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

In case I have a supplementary Visa debit card, where will the miles go to?

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