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Emirates Skywards Elite Credit Card Account

Emirates Skywards Elite Credit Card Account
  • Welcome bonus of 10,000 Skywards Miles when you make your first card purchase within the first 90 days of your account opening1
  • 0% on balance & money transfers for up to 6 months from the date your account is opened. (3% handling fee). Offer only applies to transfers made in the first 90 days.
    When these offers come to an end and for transfers made after the 90 days, the standard rate for balance transfers is 22.9% p.a. and for money transfers is 22.9% p.a. (5% handling fee applies to both).
  • 0% on Emirates flight purchases for up to 12 months9 from the date your account is opened.
    When this offer comes to an end a standard rate of 22.9% p.a. applies.
  • Check your eligibility before you apply eligibility for this credit card depends on your circumstances and the results of the eligibility check.

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

Representative example:
22.9% p.a. (variable)
on card purchases
This is equivalent to
60.5%APR
representative (variable)
Based on a
£1,200
credit limit
Check eligibility

Annual fee of £150 is payable.

Product details may differ subject to eligibility check

Remember to stay within your limit and to make your monthly payments on time, otherwise you’d lose the promotional offers on your account and pay the standard interest rate instead.**

Experience a world of rewards
Earning Miles

Two cards on one account, working seamlessly to help you earn Skywards Miles* faster.

American Express logo

Emirates Skywards Elite American Express® Credit Card

2 Miles for every £1 you spend on your American Express card.

American Express logo

Emirates Skywards Elite American Express® Credit Card

4 Miles for every £1 you spend on this card with Emirates.6

VISA company logo

Emirates Skywards Elite Visa Credit Card

2 Miles for every £2 you spend on your Visa card.

VISA company logo

Emirates Skywards Elite Visa Credit Card

4 Miles for every £2 you spend on this card with Emirates.6

How can you spend your Miles?
<p>Worldwide destinations: Fly with Emirates or any of the Emirates Skywards partner airlines to hundreds of destinations worldwide.</p>

Worldwide destinations: Fly with Emirates or any of the Emirates Skywards partner airlines to hundreds of destinations worldwide.

<p>European flights: Book reward flights within Europe, starting from 7,500 Miles.</p>

European flights: Book reward flights within Europe, starting from 7,500 Miles.

<p>Travel in style: Upgrade your class of travel with Emirates, starting from 9,000 Miles.</p>

Travel in style: Upgrade your class of travel with Emirates, starting from 9,000 Miles.

<p>Emirates partners: Turn Miles into car hire, hotel stays, experience days and more.</p>

Emirates partners: Turn Miles into car hire, hotel stays, experience days and more.

Other benefits
Emirates Skywards dual Elite credit card
Other benefits

Emirates Holidays

10% discount on Emirates Holidays.5

Skywards Miles

25% discount on purchase of Skywards Miles.4

Exclusive offers

Companion Reward ticket when you spend £15,000 on card purchases within a year.2

£150 discount on the price of a First Class or Business Class ticket.3

Business Class check-in for Economy Class travellers.

Two cards, one account…

Two cards, one PIN, one account to manage, Miles earned from both cards go into your account.

UK call centres

Wherever you are, we're just a phone call away.

Banking on the go

Manage your account using our range of online and mobile services.

Contactless technology

Make fast, secure payments of £30 or under, without entering your PIN.

24 hour fraud support

You will not be liable for fraudulent transactions online or on the high street (including contactless transactions), providing you tell us as soon as you notice any unusual transactions or you can’t find your card.

Paperless statements

We'll let you know by email when there's a new statement to view online.

Add cardholders

Add up to 3 additional cardholders − they'll each receive a card and PIN.7

Easy payments

We offer a range of payment options, including Direct Debit.

Useful information

Eligibility criteria

  • You’re a UK resident.
  • You’re aged 18 or over.
  • You’ve had a permanent UK address for 3 years or more.
  • You have a good credit rating/history.

You'll need to provide

  • Your address history for at least 3 years.
  • Contact details, including an email address.
  • Employment and salary information.

Eligibility check

Find out if you are eligible before applying. As part of the eligibility check a quotation search will be carried out which won’t show up on your credit record as full search so it won’t affect your credit rating.

Eligibility for this credit card depends on your circumstances and the results of the eligibility check.

What do you know about MBNA?

Based in the UK since 1993.

Moneyfacts Credit Card Provider of the Year for 3 years running.8

5 million+ card holders.

* Every £1 you spend on the Emirates Skywards Elite American Express® Credit Card from MBNA, and the Emirates Skywards Elite Visa Credit Card earns you Skywards Miles. Cash advances, money transfers, and balances you transfer to MBNA Limited do not earn Skywards Miles. You will earn 2 Skywards Miles for every £1 you spend on the Emirates Skywards Elite American Express® Credit Card from MBNA, and 2 Skywards Miles for every £2 you spend on the Emirates Skywards Elite Visa Credit Card. Miles are earned for each whole pound spent on each card purchase on your card.

Full details of the loyalty programme can be found at emirates.com/uk.

Skywards Miles are earned on card purchase transactions only.

The Skywards Miles programme is provided by Emirates.

The number of Skywards Miles earned each month from credit card spend will be displayed on your monthly credit card statement, and will then be added to your Emirates Skywards account within 30 days of the statement date. Please note, it is not possible to allocate Skywards Miles to your account before they have appeared on your statement. Where a refund is made on your card, your Skywards Miles total will be adjusted accordingly. If your Emirates Skywards Elite Credit Card Account is closed before the production of your next statement, then any Miles you have earned during the current statement period will be lost. Skywards Miles can be suspended or cancelled if you do not keep your account in good standing. If you are already an Emirates Skywards member it is your responsibility to enter your existing membership number on this application. Failure to do so will result in automatic duplicate enrolment into Emirates Skywards. Please note the Emirates Skywards membership number you give us must be for an Emirates Skywards account in your name. If you have any additional card members on your card account, any Skywards Miles they earn by spending on their cards will also be credited to your Emirates Skywards account. Your personal information will be processed by Emirates so they can enrol you in the Emirates Skywards programme and to calculate and apply the amount of any rewards you earn. Full details of the reward scheme will be sent with your card.

1 You will earn 10,000 Skywards Miles on your Emirates Skywards Elite Credit Card Account, if you make your first card purchase within 90 days of your account opening date. If you are already an Emirates Skywards member it is your responsibility to enter your existing membership number on this application. Failure to do so will result in automatic duplicate enrolment into Emirates Skywards. This offer is only available once for every new customer applying for the Emirates Skywards Credit Card Account or Emirates Skywards Elite Credit Card Account. Please allow six to eight weeks for bonus Miles to be added to your account. Skywards Miles are not awarded on cash advances, balance transfers or money transfers.

2 Spend £15,000 on card purchases on the Emirates Skywards Elite Credit Card Account by the end of any year and you will be eligible to receive a complimentary return Emirates Skywards Companion Reward ticket. A year is defined by the 12 month period starting from the date your Emirates Skywards Elite Credit Card Account was opened. The card member can only earn one Emirates Skywards Companion Reward in any one year. An Emirates Skywards Companion Reward is bookable and valid for 12 months from the date of issue. Card purchases exclude cash advances, money transfers and balance transfers. MBNA will notify Emirates of your eligibility within 30 days of you becoming eligible. Emirates will email you confirmation that you have earned an Emirates Skywards Companion Reward, along with the booking process. The card member must purchase a Flex Fare in Business Class or Economy Class (W or M) at the same time when availing this offer. The Emirates Skywards Companion Reward must be booked on the same flight itinerary, on the same flights and cabin class. Offer is only applicable on flights from all Emirates UK gateways: Birmingham, Glasgow, London Gatwick, London Heathrow, Manchester and Newcastle.  The Emirates Skywards Companion Reward will be booked as a Business Class or Economy Saver Reward, Reward upgrades are not permitted. Once a ticket has been issued, it is non-refundable and no change other than a date change is permitted, for a fee. Emirates Skywards Saver reward Terms & Conditions apply. Please visit emirates.com/english/Skywards/about/skywards-programme-rules.aspx Maximum stay of 3 months is permissible and a date change fee of USD 25 is applicable on the Emirates Skywards Companion Reward. Card members must pay taxes, fees and charges relating to the Emirates Skywards Companion Reward. Emirates Skywards Companion Rewards are not valid for flights purchased through Emirates Holidays. Other exemptions include flights purchased at promotional rates, group fares or other selected discount levels.

All Emirates Skywards Companion Reward travel is strictly subject to availability. The number of reward seats available on each flight is restricted and it is possible that the seats allocated on a particular flight may be fully booked, even though seats are still available for sale. Some flights may have no availability on certain routes, and popular dates will fill quickly (i.e. weekends, school holidays and public holidays) and Emirates cannot guarantee availability. Information online regarding Emirates latest reward seat availability is a guide only and is correct at time of publication. This offer may be withdrawn or amended at any time. Emirates Skywards Terms & Conditions apply, please visit emirates.com/english/Skywards/about/partners/our-partners.aspx. You will not earn this incentive if you have not provided MBNA with a valid Emirates Skywards membership number. To book your Emirates Skywards Companion Reward, ring +44 344 800 2777 and identify yourself with your Emirates Skywards membership number to the answering agent.

3 Make a card purchase on the Emirates Skywards Elite Credit Card Account within 90 days of your account opening and you will be eligible to receive a GBP 150 discount (equivalent to your annual fee) on an Emirates marketed and operated flight valid for 12 months from the date of your first purchase using this card. MBNA will notify Emirates of your eligibility within 30 days of you becoming eligible. Emirates will email you confirmation that you have earned the GBP 150 discount, along with your promotion code and booking process. Please allow six to eight weeks for Emirates to contact you. The GBP 150 discount can be applied to a Business Class or First Class booking only and will be discounted from the quoted price, when booked via emirates.com/uk. Offer is only applicable on one way and return flights where your EK booking commences from one of the Emirates UK gateways: Birmingham, Glasgow, London Gatwick, London Heathrow, Manchester and Newcastle. Please note that Ireland is not a UK gateway and this offer does not apply for flights commencing in Ireland or anywhere outside of the UK gateways mentioned above.  The discount cannot be used in conjunction with any other offer, including the companion reward offer.  The discount only applies to tickets booked and paid for by the card member. The promotional code can only be used against one booking.  It is unique to you and is non-transferable. Combining First Class and Business Class may be allowed and fare basis rules apply in this regard. Note that Economy Class may not be booked or combined with this offer.

4 This offer allows you a discount of 25% when you purchase up to 25,000 Skywards Miles in a calendar year. The minimum number of Miles that can be purchased is 2,000. Skywards Miles can be purchased online by visiting emirates.com/uk. Log in to your Emirates Skywards account and follow the Purchase Miles process. The 25% discount will automatically be added when you check out to pay for the Miles providing you use your Emirates Skywards American Express® Credit Card or Emirates Skywards Elite American Express® Credit Card. Emirates Skywards Purchase of Miles rules apply:

•    Tier Miles cannot be purchased
•    Skywards Miles can only be purchased in blocks of 1,000
•    Purchased Skywards Miles are non-refundable
•    A maximum of 25,000 Skywards Miles can be purchased by or for any Emirates Skywards member in a calendar year
•    You must have at least one earning activity in your Account (earned by flying on Emirates or through a Partner transaction) to be eligible to purchase or receive Miles
•    Miles must be purchased at least 48 hours before booking

5 This offer allows you a discount of 10% when you make a booking with Emirates Holidays. Quote ‘MBNA 10%’ at time of enquiry in order to qualify for the discount. To view Emirates Holidays deals visit www.emiratesholidays.co.uk and to book call our dedicated travel consultants on 020 7590 1481. Purchases must be made with your Emirates Skywards American Express® Credit Card or Emirates Skywards Elite American Express® Credit Card for discounts to apply. The 10% discount is not combinable with any other offer. The discount is not valid for bookings made via travel agents, online or for flight only bookings. Valid for new bookings only.

6 This applies to Emirates flights and Emirates Holidays booked through www.emirates.com/uk and www.emiratesholidays.co.uk only.

7 Any additional cardholder(s) must be over 18 years of age, reside at the same primary address, and have a relationship of close family member (defined as; spouse, child, parent, sibling or domestic partner).

8 MBNA has been voted Credit Card Provider of the Year at the Consumer Moneyfacts Awards 2014, 2015 and 2016.

9 This applies to flights booked via emirates.com/uk.

If you make card purchases, you will pay interest on these transactions, unless you pay your statement balance in full, every month or if you have a retail promotional interest rate of 0% on your account.

** Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The credit cards are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. American Express® is a registered trademark of the American Express company. MBNA Limited issue the MBNA American Express® Credit Card pursuant to a licence from American Express. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.