Card face-off
ENBD Darna Visa Infinite vs ADCB Traveller Credit Card: which is better in the UAE? (2026)
Abu Dhabi Commercial Bank (ADCB)
ADCB Traveller Credit Card
These two cards chase the same UAE traveller but with different reward currencies. The ENBD Darna Visa Infinite earns Darna Points and automatic tier status across Aldar destinations, while the ADCB Traveller focuses on travel cashback for flights and hotels plus partner offers with Expedia and Careem.
ENBD Darna Visa Infinite Credit Card vs ADCB Traveller Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | AED 1,575 | AED 1,575 | 3.14% | AED 30,000 | Top Darna Points earn and automatic tier status across 1,200+ Aldar destinations. |
| AED 1,575 | AED 1,575 | 1.15% | AED 20,000 | Travel cashback on flights and hotels, plus Expedia and Careem partner offers. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| AED 1,575 | AED 1,575 | 3.14% | AED 30,000 | Top Darna Points earn and automatic tier status across 1,200+ Aldar destinations. |
| AED 1,575 | AED 1,575 | 1.15% | AED 20,000 | Travel cashback on flights and hotels, plus Expedia and Careem partner offers. |
ENBD Darna Visa Infinite Credit Card
Annual feeAED 1,575
Joining feeAED 1,575
Foreign transaction fee3.14%
Min. salaryAED 30,000
HighlightTop Darna Points earn and automatic tier status across 1,200+ Aldar destinations.
ADCB Traveller Credit Card
Annual feeAED 1,575
Joining feeAED 1,575
Foreign transaction fee1.15%
Min. salaryAED 20,000
HighlightTravel cashback on flights and hotels, plus Expedia and Careem partner offers.
Which card is better for what
Four answers compare ENBD Darna Visa Infinite and ADCB Traveller on general everyday spend; travel and flights; spending abroad; spend at these cards' own merchants. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
AED 5,300 of that total sits at Aldar Destinations, which is where the co-brand rates apply. Spending abroad prices AED 6,360 of the total as non-AED and takes each card's foreign transaction fee off the annual result. Two answers price air travel (travel and flights; spending abroad) and count the airport benefits a traveller uses, each at that card's own published allowance. Every other benefit these cards carry is worth nothing to this household and counts as nothing.
Those months run from AED 21,200 to AED 30,200 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Annual totals are net of each card's annual fee: AED 1,575 for ENBD Darna Visa Infinite and AED 1,575 for ADCB Traveller. ENBD Darna Visa Infinite needs a salary of AED 30,000 a month and ADCB Traveller AED 20,000.
Best for general everyday spend: ADCB Traveller
ADCB Traveller returns more across the whole profile — AED 2,241 a year against AED 986, after each card's annual fee.
Modelled monthly spend
Grocery, Insurance, AutomotiveAED 4,500
Fuel, Transportation +5 moreAED 4,000
Everything elseAED 12,700
TotalAED 21,200
Annual return
ENBD Darna Visa Infinite Credit Card
Rewards+ AED 2,561
Annual fee– AED 1,575
Total0.39% of the profile, after everything+ AED 986
ADCB Traveller Credit Card
Rewards+ AED 3,816
Annual fee– AED 1,575
Total0.88% of the profile, after everything+ AED 2,241
Best for travel and flights: ADCB Traveller
On AED 7,500 a month of travel and flights, ADCB Traveller earns AED 750 against AED 113. It keeps more over the year too, AED 14,059 against AED 4,814, after each card's annual fee.
Modelled monthly spend
Flights, HotelsAED 7,500
Grocery, Insurance, AutomotiveAED 4,500
Fuel, Transportation +5 moreAED 4,000
Everything elseAED 14,200
TotalAED 30,200
Annual return
ENBD Darna Visa Infinite Credit Card
Rewards+ AED 4,181
Benefits usedAirport lounge × 12+ AED 2,208
Annual fee– AED 1,575
Total1.33% of the profile, after everything+ AED 4,814
ADCB Traveller Credit Card
Rewards+ AED 13,086
Benefits usedAirport lounge × 12, Airport transfers × 4+ AED 2,548
Annual fee– AED 1,575
Total3.88% of the profile, after everything+ AED 14,059
Best for spending abroad: ADCB Traveller
On AED 6,360 of foreign spend a month, ADCB Traveller charges 1.15%, which comes to AED 878 a year. ENBD Darna Visa Infinite charges 3.14%, which comes to AED 2,396 a year. That leaves ADCB Traveller ahead over the year, AED 2,030 against AED 119.
Modelled monthly spend
Spent abroad, in another currencyAED 6,360
Spent in the UAEAED 14,840
TotalAED 21,200
Annual return
ENBD Darna Visa Infinite Credit Card
Rewards+ AED 2,618
Benefits usedAirport lounge × 8+ AED 1,472
Annual fee– AED 1,575
Foreign transaction fee3.14% on spend abroad– AED 2,396
Total0.05% of the profile, after everything+ AED 119
ADCB Traveller Credit Card
Rewards+ AED 2,671
Benefits usedAirport lounge × 8, Airport transfers × 4+ AED 1,812
Annual fee– AED 1,575
Foreign transaction fee1.15% on spend abroad– AED 878
Total0.8% of the profile, after everything+ AED 2,030
Best inside Aldar Destinations: ENBD Darna Visa Infinite
With AED 5,300 a month going through Aldar Destinations, ENBD Darna Visa Infinite ends the year on AED 6,702 against AED 2,241. That is the same month as the general answer above with a quarter of it moved to those merchants.
Same AED 21,200 a month, with AED 5,300 of it at Aldar Destinations.
Modelled monthly spend
Aldar DestinationsAED 5,300
Grocery, Insurance, AutomotiveAED 3,400
Fuel, Transportation +5 moreAED 3,000
Everything elseAED 9,500
TotalAED 21,200
Annual return
ENBD Darna Visa Infinite Credit Card
Rewards+ AED 8,277
Annual fee– AED 1,575
Total2.63% of the profile, after everything+ AED 6,702
ADCB Traveller Credit Card
Rewards+ AED 3,816
Annual fee– AED 1,575
Total0.88% of the profile, after everything+ AED 2,241
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD Darna Visa Infinite Credit Card
Darna Points
Cinema
1.5%
AED 0
1.5% · AED 0
Cinema
50%
AED 0
50% · AED 0
Aldar Destinations
10%
AED 0
10% · AED 0
Aldar Destinations
1.5%
AED 0
1.5% · AED 0
Flights, Hotels
1.5%
AED 0
1.5% · AED 0
Flights, Hotels
10%
AED 0
10% · AED 0
Fuel, Transportation +5 more
0.15%
AED 0
0.15% · AED 0
Fuel, Transportation +5 more
1.5%
AED 0
1.5% · AED 0
Grocery, Insurance, Automotive
0.38%
AED 0
0.38% · AED 0
Grocery, Insurance, Automotive
1.5%
AED 0
1.5% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Airport Lounge Access
AED 2,760
Airport Lounge Access
AED 2,208
Golf
—
Golf
—
VOX Cinemas BOGO
AED 528
VOX Cinemas BOGO
—
Careem Airport Transfers
—
Careem Airport Transfers
AED 340
Valet Parking
AED 1,200
Valet Parking
—
Annual Fee
– AED 1,575
Annual Fee
– AED 1,575
Total
+ AED 2,913
Total
+ AED 973
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 21,200 month ADCB Traveller comes out ahead by AED 1,255 a year, AED 2,241 against AED 986 for ENBD Darna Visa Infinite. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
Neither card answers every question. ADCB Traveller answers three: general everyday spend; travel and flights; spending abroad. ENBD Darna Visa Infinite answers one: spend at these cards' own merchants. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Both charge an annual fee, AED 1,575 on ENBD Darna Visa Infinite and AED 1,575 on ADCB Traveller, so both have to earn their keep before anything reaches you. Every figure above is already net of that.
Eligibility separates them too: ADCB Traveller opens at AED 20,000 a month against AED 30,000 for ENBD Darna Visa Infinite. If you sit between the two thresholds the comparison is settled for you regardless of which earns more.
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ENBD Darna Visa Infinite Credit Card
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ENBD Darna Visa Infinite Credit Card vs ADCB Traveller Credit Card: FAQ
Common questions about choosing between ENBD Darna Visa Infinite Credit Card and ADCB Traveller Credit Card.