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.
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
Explore all Emirates NBD cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary 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.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. 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 | 0.375 % cashback | Shared/general conditions | 0 |
| School Fees | 0.15 % cashback | Shared/general conditions | 0 |
| Utilities | 0.15 % cashback | Shared/general conditions | 0 |
| Fuel | 0.15 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED -679.5 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.
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
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 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 termsLounge, cinema, valet and golf conditions
Supplemental lounge spend rule: AED 5,000 in the month of benefit use; foreign-purchase and app conditions are additional. Activation, visits and guest conditions also apply. Official lounge spending 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.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Premier Credit Card
HSBC · minimum salary AED 40,000
Compare SHARE Visa Infinite Credit Card with Premier Credit CardSolitaire Credit Card
Mashreq · minimum salary AED 25,000
Compare SHARE Visa Infinite Credit Card with Solitaire Credit CardCash+ Credit Card
HSBC · minimum salary AED 30,000
Compare SHARE Visa Infinite Credit Card with Cash+ Credit CardOfficial 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.