Marriott Bonvoy World Mastercard Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 12,000
- Annual fee
- AED 0
- Bank FX charge
- 1.99%; scheme fees may apply
- Monthly interest rate
- Confirm with bank
- Reward programme
- Marriott Bonvoy
- Salary transfer required
- No published requirement
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.
Cashback or points earning rules, thresholds and caps
1.5 Bonvoy points per AED 3.6725 equivalent on general retail. Reduced MCC and European rates apply; Marriott hotel spending earns more.
Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 0.10211027910142954 points per AED | Shared/general conditions | 0 |
| School Fees | 0.04084411164057182 points per AED | Shared/general conditions | 0 |
| Utilities | 0.04084411164057182 points per AED | Shared/general conditions | 0 |
| Fuel | 0.04084411164057182 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 610 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
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.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
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
View 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
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 termsLounge, cinema, valet and golf conditions
- Airport lounges: Mastercard Travel Pass lounge benefit; current registration and qualifying-spend rules apply.
- Cinema: 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.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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 sources and application information
- Marriott Bonvoy World Mastercard Credit Card official product terms
- Emirates NBD: Credit card price guide (VAT inclusive)
- Emirates NBD: Credit card KFS (August 2026)
- Emirates NBD: Targeted merchant voucher campaign
- Emirates NBD: Cinema conditions
- Marriott Bonvoy World Mastercard Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.