MoneyVS

ENBD Skywards Signature vs HSBC Emirates Skywards Signature

Two travel & miles cards compared on the things that decide which one pays you back.

Emirates NBD Skywards Signature Credit Card
Emirates NBDSkywards Signature Credit Card
HSBC UAE HSBC Emirates Skywards Signature Credit Card
HSBC UAEHSBC Emirates Skywards Signature Credit Card

Key differences

  • ENBD Skywards Signature is cheaper to keep: AED 735 a year against AED 1,050.
  • HSBC Emirates Skywards Signature has the lower salary requirement (AED 10,000 vs AED 12,000).
  • ENBD Skywards Signature headline: Up to 1.5 Skywards Miles per USD on international (non-EU) spend. HSBC Emirates Skywards Signature headline: 1.75 Skywards Miles per USD on Emirates and flydubai.
  • Welcome bonus spend: ENBD Skywards Signature: AED 36.7k in 90 days; HSBC Emirates Skywards Signature: AED 20k in 60 days.

Which should you choose?

Choose ENBD Skywards Signature if

People earning AED 12,000+ who fly Emirates a few times a year and want lounge access for an AED 735 fee.

Watch out: Spend in the EU and UK earns only 0.37 Miles per USD, and the second bonus step needs about AED 36,700 in 90 days.

Choose HSBC Emirates Skywards Signature if

Emirates flyers earning AED 10,000+.

Watch out: AED 1,050 fee.

Side by side

ENBD Skywards SignatureHSBC Emirates Skywards Signature
BankEmirates NBDHSBC UAE
Annual feeAED 735Joining fee AED 1,573.95, annual fee AED 735AED 1,050AED 1,050 incl. VAT
Fee waiverNoneNone
Minimum salaryAED 12,000AED 10,000
Who can applyAnyone who meets the salaryAnyone who meets the salary
Welcome bonus
  • 15,000 Skywards MilesPay the joining fee
  • 15,000 Skywards MilesSpend AED 36,725 within 90 days
  • 10,000 Skywards MilesSpend AED 13,772 within 365 days
  • 25,000 Skywards MilesPay the annual fee
  • 15,000 Skywards Miles + fast track to SilverSpend AED 20,000 within 60 days
Top rates needNo minimumNo minimum
Reward capNone statedNone stated
What you earn
  • Up to 1.5 Skywards Miles per USD on international (non-EU) spend
  • 1 Mile per USD on domestic spend
  • 0.37 Miles per USD in the EU and UK
  • 1.75 Skywards Miles per USD on Emirates and flydubai
  • 1 Mile per USD on non-AED spend
  • 0.75 Miles per USD on AED spend
  • Miles don't expire while the card is open
BenefitsAirport lounges, Golf, Cinema offersAirport lounges, Cinema offers
IslamicNoNo
View on ENBD siteView on HSBC site

Both cards checked against the banks' own pages on 21 Oct 2026. Information only, not financial advice.

Questions people ask

What's the difference between ENBD Skywards Signature and HSBC Emirates Skywards Signature?

ENBD Skywards Signature is cheaper to keep: AED 735 a year against AED 1,050. HSBC Emirates Skywards Signature has the lower salary requirement (AED 10,000 vs AED 12,000). ENBD Skywards Signature headline: Up to 1.5 Skywards Miles per USD on international (non-EU) spend. HSBC Emirates Skywards Signature headline: 1.75 Skywards Miles per USD on Emirates and flydubai. Welcome bonus spend: ENBD Skywards Signature: AED 36.7k in 90 days; HSBC Emirates Skywards Signature: AED 20k in 60 days.

Which has the lower annual fee, ENBD Skywards Signature or HSBC Emirates Skywards Signature?

ENBD Skywards Signature (AED 735). HSBC Emirates Skywards Signature costs AED 1,050.