Emirates NBD · UAE CARD REVIEW

SHARE Visa Infinite 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.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 30,000

Annual fee

AED 1,575

Bank FX charge

1.99%; scheme fees may apply

Monthly interest rate

3.25%

Reward programme

SHARE Points

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

1.5% back as SHARE Points on other retail; 8% at eligible SHARE malls and Carrefour. Outside SHARE, reduced-category earning applies.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 0 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.

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.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

WELCOME 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

Min. salary: AED 30,000

0.375% groceries 0.15% school feesCinema BOGOLounge access

Annual fee AED 1,575Renewal fee from year two

ESTIMATED FIRST-YEAR VALUE

AED 0

Partial estimate · see details

View 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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

VOX monthly spend and chargeback rules

Visa lounge qualification

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 refund

Standard 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 terms

Emirates NBD

SHARE Visa Infinite Credit Card

Regular welcome offer

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.

Qualifying welcome value: AED 0. Requires AED 40,000 spend within 90 days.

Published welcome offer

AED 1,000 in SHARE Points + joining-fee refund

Standard 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 terms

Fees, rewards & eligibility

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 2026-10-18

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

VOX monthly spend and chargeback rules

Visa lounge qualification

Official issuer artwork. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: 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.
• Valet: No published benefit verified
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• 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 sources and application information

• SHARE Visa Infinite Credit Card official product terms
• Emirates NBD: Credit card price guide (VAT inclusive)
• Emirates NBD: Credit card KFS (August 2026)
• Emirates NBD: VOX monthly spend and chargeback rules
• Emirates NBD: Visa lounge qualification
• SHARE Visa Infinite 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.