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SAME SPENDING · TRANSPARENT MATHS

Traveller Credit Card vs Emirates NBD Duo Credit Cards

Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.

Traveller Credit Card — official bank artwork

Traveller Credit Card

Minimum salary
AED 20,000
Annual fee
AED 1,575
First-year net
AED 135
Ongoing annual net
AED 135
Bank FX fee
0%; scheme charges may apply
Reward programme
Cashback

Important conditions

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

Published renewal fee used; unverified discretionary or relationship waivers are excluded.

14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying rules apply.

50% cashback on eligible online movie-ticket purchases in AED; AED 5,000 monthly retail minimum and combined AED 1,500 monthly cashback cap apply.

Official ADCB terms · reviewed 2026-10-18
Emirates NBD Duo Credit Cards — official bank artwork

Emirates NBD Duo Credit Cards

Minimum salary
AED 12,000
Annual fee
AED 0
First-year net
AED 2,880
Ongoing annual net
AED 2,040
Bank FX fee
1.99%; scheme charges may apply
Reward programme
ENBD Plus Points

Important conditions

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.

Renewal uses the generic AED 840 tariff conservatively: the current no-fee offer is not verified as permanent. Confirm your issued terms.

Complimentary lounge access; check each card network

Buy 1 Get 1 at Cine Royal Cinemas with Diners card; up to 3 free tickets monthly

Official Emirates NBD terms · reviewed 2026-10-18

Which card fits your own spending?

A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.

Compare your actual salary and spending

Review all assumptions and reward valuations

YOUR SHORTLIST

A clearer side-by-side view.

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