Special Current Account
0.10% p.a. on account balances
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-18.
Emirates NBD UAE Credit Cards and Bank Accounts
Explore 6 current card products and 3 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
Emirates NBD accounts and salary options
Primary Account
Digital account with several maintenance-fee waivers
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
Smart Saver Account
Online savings with currency and balance tiers
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Conventional banking
Emirates NBDSCHOOL FEES & UTILITIES
Emirates NBD Duo Credit Cards
Dirham Score 4.3/5100% data coverage · editorial methodHow this score works
- + ENBD Plus Points rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Annual fee AED 0
Abu Dhabi residents; confirm bank eligibility.
ESTIMATED FIRST-YEAR VALUE
AED 2,880
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,880
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 2,880
Cash redemption model uses AED 0.75 per Plus Point. Electronics-specific earning cannot be isolated in the generic shopping category; approved credit-limit and merchant classifications apply.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates NBD Duo Credit Cards review and fee maths
The product advertises no annual fees as an exclusive current offer. The generic August 2026 KFS lists AED 840 joining and renewal fees; confirm the offer-specific waiver in writing. A permanent free-for-life promise was not established.
0.05 Plus Points per AED on eligible groceries, electronics, education, utilities and fuel after AED 5,000 statement spend; otherwise 0.015. Other eligible retail earns 0.005 Plus Points per AED. Cap 500 Plus Points per statement.
Buy 1 Get 1 at Cine Royal Cinemas with Diners card; up to 3 free tickets monthly · Complimentary lounge access; check each card network
Monthly interest rate: 3.69%. Bank FX charge: 1.99%.
Cash redemption model uses AED 0.75 per Plus Point. Electronics-specific earning cannot be isolated in the generic shopping category; approved credit-limit and merchant classifications apply.
Package contains a Mastercard Platinum and a Diners Club card.
5% Plus Points requires AED 5,000 statement spend; otherwise selected categories earn 1.5% Plus Points. Total capped at 500 Plus Points per statement.
Cashback redemption is AED 0.75 per Plus Point, minimum 500 points and AED 375 card balance. Certain other redemption channels give AED 1 per point.
Diners Cine Royal offer: up to three free tickets monthly, eligible online/app bookings and minimum-spend conditions; AED 125 + VAT service fee may apply below the spend condition.
Golf is conditional: product page advertises access; processing AED 30 and no-show/under-spend charges apply. Confirm Diners versus Mastercard entitlement in the booking portal.
Valet parking and airport transfers discontinued 5 April 2025.
ENBD bank FX fee 1.99% is additional to approximately 1.15% scheme processing and any acquirer markup.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
Official Duo artwork shows both the Mastercard and Diners Club cards. WebP copy resized without cropping or changing the depicted card. Image source
WELCOME OFFERUp to 100,000 welcome Skywards milesNo stated deadline
Conventional banking
Emirates NBDEMIRATES SKYWARDS
Emirates NBD Skywards Infinite
Dirham Score 2.1/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Annual fee AED 1,575Renewal fee from year two
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 1,925
Promotional booster+ AED 0
Annual rewards+ AED 939.13
Fee waiver+ AED 1,575
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Joining / plan fees− AED 3,148.95
Actual modelled netAED -284.82
Costs exceed estimated rewards; headline is floored at zero.
Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.75 miles per USD. Approved credit limit or AED 100,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates NBD Skywards Infinite review and fee maths
1 Skywards miles per USD equivalent on eligible general domestic retail; 1.5 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.
Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
Monthly interest rate: 3.25%. Bank FX charge: 1.99%.
35,000 miles after joining-fee payment; another 40,000 after USD 25,000 retail spend in the first three billing statements. A separate 25,000 requires USD 7,500 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.
Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.75 miles per USD. Approved credit limit or AED 100,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.
Joining fee AED 3,148.95 applies in year one; renewal annual fee AED 1,575.
Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.
ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.
Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.
Paid Express Miles programme is excluded.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
Skywards earning and bank conversion rate
Original current conventional Emirates NBD Skywards Visa Infinite PNG, downloaded unchanged from the official product page. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
Up to 100,000 welcome Skywards milesSeparate joining-fee, general-spend and Emirates-purchase stages. No current application end date published on the product page.
No stated deadline
- Pay applicable joining fee for 35,000 miles.
- USD 25,000 retail spend in first three billing statements for 40,000 additional miles.
- USD 7,500 at emirates.com / Emirates UAE sales offices in first twelve billing statements for 25,000 further miles, excluded from generic forecast.
- Not a renewal/replacement-card bonus; active, non-delinquent card required. Ninety days is a forecast approximation, not a replacement for the bank billing-statement deadline.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsWELCOME OFFERUp to 40,000 welcome Skywards milesNo stated deadline
Conventional banking
Emirates NBDBANK-SOURCED
Skywards Signature Credit Card
Dirham Score 2.3/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Annual fee AED 735Renewal fee from year two
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 825
Promotional booster+ AED 0
Annual rewards+ AED 693.12
Fee waiver+ AED 735
Joining-fee refund+ AED 0
Annual fee− AED 735
Joining / plan fees− AED 1,573.95
Actual modelled netAED -55.83
Costs exceed estimated rewards; headline is floored at zero.
Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.
Calculation assumptionsRewards, fees & important conditions
Read the full Skywards Signature Credit Card review and fee maths
Product hero lists 0.37 miles/USD for EU/UK, while the dedicated current earning table and the same product explanation specify 50% of international rate, i.e. 0.5. The forecast assumes non-EU/UK and flags this conflict.
0.75 Skywards miles per USD equivalent on eligible general domestic retail; 1 miles for non-EU/UK foreign retail. Bank uses USD 1 = AED 3.672. Domestic groceries earn 25% and selected essentials 10% of domestic base.
Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
Monthly interest rate: 3.69%. Bank FX charge: 1.99%.
15,000 miles after joining-fee payment; another 15,000 after USD 10,000 retail spend in the first three billing statements. A separate 10,000 requires USD 3,750 Emirates purchases in the first twelve billing statements and is excluded from generic spend. Joining fee must be paid within the third statement cycle.
Foreign input assumes eligible non-EU/UK purchases; EU/UK earns 0.5 miles per USD. Approved credit limit or AED 50,000 statement spend cap applies, whichever is lower. Utilities paid through ENBD banking channels and ineligible transactions do not earn; merchant categories, rounding and invoice timing can change actual awards. AED 0.055/mile is an editorial assumption.
Joining fee AED 1,573.95 applies in year one; renewal annual fee AED 735.
Current issuer conversion rate USD 1 = AED 3.672 is used, replacing the generic AED 3.6725 assumption.
ENBD international transaction fee is 1.99%, additional to approximately 1.15% scheme processing and acquirer markup, if any.
Golf access is conditional: two bookings/month, AED 30 processing fee and AED 5,000 spend in benefit-use month; AED 249 can apply for no show / under-spend.
Paid Express Miles programme is excluded.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
Skywards earning and bank conversion rate
Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
Up to 40,000 welcome Skywards milesSeparate joining-fee, general-spend and Emirates-purchase stages. No current application end date published on the product page.
No stated deadline
- Pay applicable joining fee for 15,000 miles.
- USD 10,000 retail spend in first three billing statements for 15,000 additional miles.
- USD 3,750 at emirates.com / Emirates UAE sales offices in first twelve billing statements for 10,000 further miles, excluded from generic forecast.
- Not a renewal/replacement-card bonus; active, non-delinquent card required. Ninety days is a forecast approximation, not a replacement for the bank billing-statement deadline.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsLIMITED-TIME BOOSTTargeted AED 300 merchant e-gift vouchersEnds 31 Dec
Conventional banking
Emirates NBDBANK-SOURCED
Marriott Bonvoy World Mastercard Credit Card
Dirham Score 3.1/590% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 610
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 609.6
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 609.6
Bonvoy AED value is an illustrative AED 0.025/point. Generic foreign spending assumes non-EU/UK; approved credit limit and merchant/transaction-specific rates apply.
Calculation assumptionsRewards, fees & important conditions
Read the full Marriott Bonvoy World Mastercard Credit Card review and fee maths
Current product explicitly advertises free for life and annual fee 0; generic August 2026 KFS lists AED 315 joining and renewal. Product page finance rate 3.25% conflicts with tariff 3.69%. Fee waiver and individual finance pricing must be confirmed in the issued agreement.
1.5 Bonvoy points per AED 3.6725 equivalent on general retail. Reduced MCC and European rates apply; Marriott hotel spending earns more.
Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Mastercard Travel Pass lounge benefit; current registration and qualifying-spend rules apply.
Monthly interest rate: Confirm with bank. Bank FX charge: 1.99%.
Two Free Night Awards after USD 6,000 cumulative retail spend in the first three billing statements; each is limited to a hotel redemption level of 35,000 Bonvoy points, with up to 15,000 own points top-up permitted. A further 35,000-point-level award is advertised on anniversary. Certificates and targeted merchant vouchers are excluded from cash forecast.
Bonvoy AED value is an illustrative AED 0.025/point. Generic foreign spending assumes non-EU/UK; approved credit limit and merchant/transaction-specific rates apply.
Current product-specific free-for-life offer is shown as AED 0; the conflicting generic KFS tariff of AED 315 is disclosed.
Product page finance rate is 3.25% monthly; the generic tariff says 3.69%. An exact universal finance charge is not asserted; confirm the issued agreement.
The bank FX fee 1.99% is additional to approximately 1.15% network processing and any acquirer charges.
General retail earns 1.5 Bonvoy points/USD; groceries/insurance/car dealership/fast food 0.375; selected essentials 0.15. Fast-food transactions over USD 25 earn 1.5 points/USD.
Foreign EU/UK purchases earn 50% of the international rate. Special hotel earning and restricted certificates are excluded from generic forecast.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
Targeted merchant voucher campaign
The card face has no visible World tier inscription; the official product-page URL, image filename and alt text marriottbonvoyworldmastercard verify this is the World product. Do not substitute the World Elite card. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
Targeted AED 300 merchant e-gift vouchersAED 100 each from Amazon, talabat and Netflix for invited eligible new World primary cardholders; not cash.
Ends 31 Dec · Apply by 2026-12-31 (UAE date, inclusive)
- Offer must have been communicated by ENBD through email, SMS or banking channels.
- Apply, have the eligible World card approved/issued and activate during 1 September–31 December 2026.
- Account must remain valid, active, not cancelled and not in default at fulfilment.
- Codes sent within 12 weeks of card issuance; merchant expiry and redemption restrictions apply.
Qualifying extra bonus in this forecast: AED 0.
Targeted, non-cash merchant vouchers; eligibility cannot be inferred for a generic visitor.
Official offer termsWELCOME OFFERUp to 25,000 welcome U PointsNo stated deadline
Conventional banking
Emirates NBDBANK-SOURCED
U By Emaar Infinite Credit Card
Dirham Score 2.4/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Annual fee AED 1,575Renewal fee from year two
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 1,500
Promotional booster+ AED 0
Annual rewards+ AED 895.5
Fee waiver+ AED 1,575
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Joining / plan fees− AED 2,625
Actual modelled netAED -229.5
Costs exceed estimated rewards; headline is floored at zero.
Base 1.5% value is paid in U Points. Groceries/selected retail earn 25% of base and selected essentials 10%; EU-origin spending earns 25% of base. Statement cap 83,333 U Points equals AED 8,333.30 at the issuer redemption rate. Emaar-specific higher earning, transaction exclusions, approved credit limits and geography can affect actual rewards.
Calculation assumptionsRewards, fees & important conditions
Read the full U By Emaar Infinite Credit Card review and fee maths
1.5% back as U Points on other eligible retail; up to 7.5% at eligible Emaar brands.
Buy 1 Get 1 at Reel Cinemas: up to three free tickets / six total tickets per month, after AED 5,000 monthly spend. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
Valet: Selected Emaar valet locations. China Town Dubai Mall replaced Grand Drive from May 2025; app / OTP booking rules apply.
Monthly interest rate: 3.25%. Bank FX charge: 1.99%.
15,000 U Points on activation and joining-fee payment; another 10,000 after AED 36,725 equivalent in three billing statements.
Base 1.5% value is paid in U Points. Groceries/selected retail earn 25% of base and selected essentials 10%; EU-origin spending earns 25% of base. Statement cap 83,333 U Points equals AED 8,333.30 at the issuer redemption rate. Emaar-specific higher earning, transaction exclusions, approved credit limits and geography can affect actual rewards.
General U By Emaar Infinite is distinct from the Emirati Infinite product.
Joining fee AED 2,625 applies in year one; AED 1,575 renewal fee. Fifteen thousand joining U Points require activation and joining-fee payment.
Additional 10,000 U Points requires USD 10,000 cumulative retail purchases in first three billing statements. The generic AED 36,725 conversion is a model approximation; the bank condition is in USD.
Ten U Points redeem as AED 1 at participating Emaar entities.
Official earning support confirms reduced MCCs: 25% of base on groceries, fast food, insurance and car dealership; 10% on fuel, transit, government, utilities, real estate, education and telecom. EU-origin spend earns 25% of base.
Reel cinema: AED 5,000 in benefit-use month; maximum six total tickets / three free monthly. Valet moved from Grand Drive to China Town from 1 May 2025; use app OTP.
Golf is conditional: AED 5,000 spend in benefit-use month and AED 30 processing fee; under-spend / no-show charges apply.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
Upoints earning / MCC reductions / cap
This is the general U By Emaar Infinite product page, not the separately named U by Emaar Visa Infinite Emirati Credit Card. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
Up to 25,000 welcome U PointsOngoing activation and spend offer; no stated application deadline.
No stated deadline
- Pay joining fee and activate for 15,000 U Points.
- Additional 10,000 requires AED 36,725 equivalent in three billing statements.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsWELCOME OFFERAED 1,000 in SHARE Points + joining-fee refundNo stated deadline
Conventional banking
Emirates NBDBANK-SOURCED
SHARE Visa Infinite Credit Card
Dirham Score 2.1/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 1.99%; scheme charges may apply
Annual fee AED 1,575Renewal fee from year two
ESTIMATED FIRST-YEAR VALUE
AED 0
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 895.5
Fee waiver+ AED 1,575
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Joining / plan fees− AED 1,575
Actual modelled netAED -679.5
Costs exceed estimated rewards; headline is floored at zero.
Your spend does not meet the regular welcome target.
SHARE points redeem at ten points per AED. Foreign spending assumes general retail outside EU/UK; EU/UK earns 0.375%. Grocery input assumes a non-SHARE merchant, not Carrefour. Actual Carrefour/SHARE mall spend can earn 8%; generic input cannot identify merchant eligibility.
Calculation assumptionsRewards, fees & important conditions
Read the full SHARE Visa Infinite Credit Card review and fee maths
1.5% back as SHARE Points on other retail; 8% at eligible SHARE malls and Carrefour. Outside SHARE, reduced-category earning applies.
Buy 1 Get 1 at VOX Cinemas through eligible online/app bookings; AED 5,000 spend in the month of benefit use, with benefit chargeback below threshold. Monthly ticket and format limits apply. · Visa Airport Companion registration required. From 1 June 2026, make a foreign-currency transaction equivalent to USD 1 at least 10 days before the lounge visit. Visit and guest entitlements depend on the registered card; USD 32 per visit applies if qualification is not met.
Monthly interest rate: 3.25%. Bank FX charge: 1.99%.
10,000 SHARE Points = AED 1,000, plus joining-fee refund after AED 40,000 in three months. Renewal fee is not a free-for-life promise.
SHARE points redeem at ten points per AED. Foreign spending assumes general retail outside EU/UK; EU/UK earns 0.375%. Grocery input assumes a non-SHARE merchant, not Carrefour. Actual Carrefour/SHARE mall spend can earn 8%; generic input cannot identify merchant eligibility.
AED 1,575 joining and renewal fees are VAT-inclusive. Joining fee is refunded after AED 40,000 eligible retail spending in the first three months.
Separate welcome award is 10,000 SHARE Points = AED 1,000 after the same AED 40,000 / three-month threshold; it must not be counted again as an incremental campaign bonus.
General eligible retail earns 1.5%; groceries/fast food/insurance/car dealerships outside SHARE and EU/UK purchases earn 0.375%; selected essential categories 0.15%.
Eligible Carrefour / SHARE mall purchases earn 8%, subject to the actual qualifying merchant and SHARE terms.
Golf requires AED 5,000 spend in benefit-use month and AED 30 processing fee; no-show and under-spend charges apply.
Official bank source · checked 2026-10-18Credit card price guide (VAT inclusive)
VOX monthly spend and chargeback rules
Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
AED 1,000 in SHARE Points + joining-fee refundStandard spend-based offer. Joining fee is refunded separately from welcome points.
No stated deadline
- Spend AED 40,000 in the first three months.
- Link your SHARE account and use eligible retail transactions.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsFirst-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers