Emirates Skywards Rewards World Elite Benefits, Credits & Annual Fee

Get a special rate when you pay with your Emirates Skywards Mastercard and use Cash + Miles to book flights. Book on emirates.com or the Emirates App. The offer applies to purchases made before 31 March 2027.

Cardholders who hold Emirates Skywards Silver status can access Emirates Business Class lounges at Dubai airports. This perk is tied to maintaining Silver status and is limited to Dubai locations only - it does not extend to other Emirates lounges around the world.

Complimentary Emirates Skywards Silver status during the first cardmembership year. Track subsequent spending-based renewal in Spend Goals.

There is no cap on the total Skywards Miles you can earn from purchases with your card. Keep using the card for qualifying purchases to earn miles at the applicable rate. Unlimited earning applies while the rewards program continues and your card account is open and in good standing.

Earn 1 Tier Mile for every 4 base Skywards Miles you earn on card spending. Tier Miles count toward Emirates Skywards tier status and are earned alongside your regular miles. Only base miles count, so bonus miles don't earn Tier Miles.

Earn 3 Skywards Miles per $1 on eligible Emirates purchases (including emirates.com and Emirates sales offices). Separately, earn 2 miles per $1 on eligible travel purchases and 1 mile per $1 on all other purchases, with no earning limit while the account remains open.

Earn 2 Skywards Miles per $1 on eligible travel purchases.

Receive 25% savings when you buy Skywards Miles for yourself or gift miles.

Earn 1 Skywards Mile per $1 on all other purchases.

You're not responsible for any unauthorized charges made on your card. If fraudulent transactions appear, report them and you owe $0 - covering both physical card and account number misuse.

Get a 0% introductory APR for 12 months on balance transfers made within 45 days of account opening. Request a balance transfer during that window to use the promotional rate; a balance transfer fee applies. After the introductory period, a variable APR of 19.49% to 29.49% applies, based on creditworthiness and other factors.

Skywards Miles you earn with this card never expire. Keep your account open and in good standing, and your miles stay available indefinitely - no activity requirements needed to prevent them from zeroing out.

Get free access to your FICO® Credit Score online at any time. You'll also receive alerts whenever your score changes, so you can track your credit health without paying for a separate monitoring service.

You pay no extra fees on purchases made outside the United States. Every international transaction is charged at the standard rate with no added percentage tacked on, making this card straightforward to use abroad.