Emirates NBD Skywards vs ADCB TouchPoints Infinite
Our Pick
Skywards Infinite
Best for Emirates Flyers — You fly Emirates 3+ times per year
Emirates NBD
Skywards Infinite
Direct Emirates miles + Silver status
ADCB
TouchPoints Infinite
Flexible redemption for any travel
Two of the UAE's premium travel cards go head-to-head. The Emirates NBD Skywards Infinite earns direct Emirates miles with Silver status perks, while ADCB TouchPoints Infinite offers flexible points redeemable for any travel. With Skywards miles facing devaluation concerns, which card delivers better value for UAE travelers in 2026?
Quick Comparison
| Feature | Skywards Infinite | TouchPoints Infinite |
|---|---|---|
| Annual Fee | AED 900 (waivable with AED 150K spend) | AED 750 (waivable with AED 100K spend) |
| Min. Salary | AED 30,000 | AED 25,000 |
| Rewards Rate | Up to 3 Skywards Miles per AED 3 | Up to 3 TouchPoints per AED 3 |
Detailed Breakdown
Rewards Program
Skywards Infinite
Emirates Skywards Miles (direct)
TouchPoints Infinite
ADCB TouchPoints (flexible)
TouchPoints can convert to 40+ airlines; Skywards locked to Emirates
Earn Rate (Everyday Spend)
Skywards Infinite
1 Mile per AED 3 spent
TouchPoints Infinite
1 Point per AED 3 spent
Similar base earn rates on general spending
Earn Rate (Airlines)
Skywards Infinite
3 Miles per AED 3 at Emirates
TouchPoints Infinite
2 Points per AED 3 on travel
Skywards earns 3x on Emirates bookings
Airline Status
Skywards Infinite
Emirates Skywards Silver status
TouchPoints Infinite
No airline status
Silver gives priority check-in, extra baggage, lounge discounts
Annual Fee
Skywards Infinite
AED 900 (waive with AED 150K/year)
TouchPoints Infinite
AED 750 (waive with AED 100K/year)
TouchPoints has lower fee and easier waiver threshold
Minimum Salary
Skywards Infinite
AED 30,000
TouchPoints Infinite
AED 25,000
TouchPoints more accessible
Airport Lounge Access
Skywards Infinite
Unlimited worldwide (DragonPass)
TouchPoints Infinite
Unlimited worldwide (LoungeKey)
Both offer excellent lounge access with guest privileges
Foreign Transaction Fee
Skywards Infinite
2.5%
TouchPoints Infinite
0% (No FX fee)
TouchPoints saves 2.5% on all international spending
Redemption Flexibility
Skywards Infinite
Emirates flights only
TouchPoints Infinite
Any airline, hotel, cashback, shopping
TouchPoints converts to statement credit or any travel
Mile/Point Value Stability
Skywards Infinite
Declining (devaluations 2023-2026)
TouchPoints Infinite
Stable (fixed cashback rate)
Skywards miles devaluing; TouchPoints maintains value
Travel Insurance
Skywards Infinite
Comprehensive travel insurance
TouchPoints Infinite
Comprehensive travel insurance
Both include robust travel protection
Companion Ticket
Skywards Infinite
No companion offer
TouchPoints Infinite
No companion offer
The Verdict
Emirates NBD Skywards Infinite wins for dedicated Emirates flyers who value Silver status, direct mile earning, and the Emirates ecosystem. ADCB TouchPoints Infinite is better for travelers who want flexibility—redeem points for any airline, hotel, or cashback. If you fly Emirates 3+ times yearly, Skywards is worth it. For flexible travelers, TouchPoints offers superior value.
Who Should Choose Which?
Choose Skywards Infinite if:
- You fly Emirates 3+ times per year
- You value Skywards Silver status benefits
- You're chasing Skywards Gold/Platinum tier
- You prefer direct mile earning without transfers
- You book premium cabins (Business/First) on Emirates
- You want priority check-in and extra baggage allowance
Choose TouchPoints Infinite if:
- You fly multiple airlines (not just Emirates)
- You prefer cashback or flexible redemption options
- You spend heavily abroad (0% FX fee saves significantly)
- You want easier annual fee waiver (AED 100K vs 150K)
- You're concerned about Skywards mile devaluations
- You value flexibility over airline loyalty
Eligibility Note
Both cards require premium salaries. Skywards Infinite requires AED 30,000 minimum; TouchPoints Infinite requires AED 25,000. Self-employed applicants need to demonstrate consistent income over 12 months.
Frequently Asked Questions
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