ADIB Emirates Skywards Infinite cashback rate, cap and annual fee
ADIB Emirates Skywards Infinite pays 1.63% at Emirates and flydubai, and 8 other rates. The card costs AED 4,725 a year.
ADIB · United Arab Emirates · catalogue v101
Read from ADIB's own published terms on 19 Sep 2026.
AED 4,725Annual fee
1.63%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Emirates and flydubaitravel | 1.63% | —Emirates, flydubai and Emirates Holidays. ADIB publishes 3 miles per AED 3.68 — its own figure for a US dollar. |
| non-dirham spendingtravel | 1.09% | —Anything bought in a currency other than the dirham, not only travel. The EEA and the UK earn 0.8 per AED 3.68 instead. |
| everything else | 0.82% | —Everything else in dirhams. |
| groceries | 0.14% | —Supermarkets, which ADIB puts on its reduced list. |
| government | 0.14% | —Government services, fines, taxes and utilities, on the same reduced list. |
| education | 0.14% | —Education, on the same reduced list. |
| fuel | 0.14% | —Petrol stations, on the same reduced list. |
| rent and property | 0.14% | —Estate agents, on the same reduced list. |
| public transport and road tollstravel | 0.14% | —Public transport, taxis, the Metro, Salik and road tolls, on the same reduced list. |
The most expensive card in ADIB's range at AED 4,500 plus VAT, and its reduced band is the same quarter-mile the Signature pays. ADIB publishes this card per AED 3.68 — its own rounding of a US dollar — so every rate here is that figure divided by 3.68: 3 Skywards Miles on Emirates, flydubai and Emirates Holidays, 2 on anything bought in another currency, 1.5 in dirhams, 0.25 on the reduced list. ADIB's reduced band is one list shared by every card in the range, and it is printed in the document's own footnote: supermarkets, government services, utilities, education, petrol stations, estate agents, public transport, Salik and road tolls, and charities. Supermarkets being on it is the part worth knowing — a grocery shop is the cheapest thing you can buy with most of these cards. Source: ADIB's own "Covered Cards - Features and Benefits" comparison document, version 11, February 2026, read 19 Sep 2026.
Questions people ask
What cashback does the ADIB Emirates Skywards Infinite pay?
1.63% at Emirates and flydubai, and 8 other rates.
Is there a cap on the ADIB Emirates Skywards Infinite?
No monthly cap is published on the rates shown here.
What is the annual fee on the ADIB Emirates Skywards Infinite?
AED 4,725 a year.
Knowing the rate is not the same as remembering it
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