Emirates NBD Credit Cards

The best Emirates NBD card depends on your spend. For Carrefour and Al Futtaim shoppers, ENBD SHARE Signature (free for life, AED 8,000 salary) earns 6% back. For Skywards Miles earners, ENBD Skywards Infinite is the premium pick. For cashback, the Liv Cashback family (Liv is ENBD's digital bank) offers the best free-for-life entry from AED 5,000.

Emirates NBD offers a family of Emirates Skywards co-branded cards earning Skywards Miles on every spend. The Skywards Signature and Skywards Infinite tiers include miles bonuses on Emirates flights, premium travel cover, and (on Infinite) unlimited lounge access. Minimum salary ranges from AED 12,000 (Signature) to AED 30,000+ (Infinite).

ENBD SHARE Platinum and SHARE Signature are free-for-life with no annual or joining fee. Among Liv (Emirates NBD's digital bank) cards, Liv Cashback is also free-for-life from AED 5,000 salary. Free-for-life means no annual fee for the life of the card, with no minimum spend required to retain the fee waiver.

Emirates NBD Platinum is a mid-tier card with airport lounge access selected through the LoungeKey programme, multi-currency wallet, and standard rewards. Minimum salary is typically AED 8,000-12,000 depending on the variant (e.g. ENBD Platinum, ENBD Titanium, ENBD U by Emaar Signature).

ENBD U by Emaar Duo is a dual-card combo (debit + credit) tied to the Emaar ecosystem. It earns Upoints on Emaar spend (Dubai Mall, Marina Mall, Emaar Hospitality) and converts to dirham-equivalent value. Minimum salary varies by tier.

Darna is Aldar's rewards programme for Abu Dhabi residents, earned exclusively through four Emirates NBD co-branded cards — Darna Select, Visa Signature, Visa Infinite, and Infinite Privilege. Points earn up to 10% back at Yas Mall, Yas Island, and other Aldar-managed destinations. See the full tier breakdown on the Darna Points guide.

Yes. Emirates NBD offers a range of business credit cards including Business Platinum, Business Signature, and Business Infinite — designed for SMEs with expense management features, employee cards, and tailored rewards. Minimum monthly company turnover requirements apply.

You can apply through the Emirates NBD website (emiratesnbd.com), the ENBD mobile app, or via the Liv app for Liv cards. Required documents typically include Emirates ID, residence visa, salary certificate or 3-6 months of bank statements, and proof of address.

ENBD credit card interest rates are capped at 3.45% per month (the UAE Central Bank limit). The standard finance charge published in ENBD's Schedule of Fees is typically around 3.25% per month for UAE Nationals. Refer to your card's specific Schedule of Fees on emiratesnbd.com for the current rate.

Yes. The Standard Current Account includes a free debit card, cheque book, and fee-free 60-second international transfers via DirectRemit. The Standard Savings Account pays 0.20% p.a. interest on your minimum monthly balance. See the ENBD account pages on Kredit for full fees and eligibility.

The Standard Current Account's salary variant requires AED 5,000/month, though non-salaried and self-employed applicants can also apply. The Standard Savings Account has no minimum salary requirement.

Both the Standard Current Account and Standard Savings Account charge an AED 26.25 monthly fee, waived with a salary transfer of AED 5,000+ or an average monthly balance of AED 3,000+.