Card face-off
ENBD SHARE Platinum vs FAB SHARE Platinum: which is better in the UAE? (2026)
First Abu Dhabi Bank (FAB)
FAB SHARE Platinum Credit Card
Both cards co-brand the Majid Al Futtaim SHARE loyalty programme — earning SHARE rewards at Carrefour, Mall of the Emirates, City Centre malls, VOX Cinemas and Ski Dubai — with no annual fee. The choice comes down to the earn rate at Majid Al Futtaim, how each rewards everyday spend outside the ecosystem, and which bank you'd rather hold.
ENBD SHARE Platinum Credit Card vs FAB SHARE Platinum 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 |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 5,000 | Emirates NBD SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
| Free | Free | 3.89% | AED 5,000 | FAB SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 5,000 | Emirates NBD SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
| Free | Free | 3.89% | AED 5,000 | FAB SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
ENBD SHARE Platinum Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 5,000
HighlightEmirates NBD SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life.
FAB SHARE Platinum Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.89%
Min. salaryAED 5,000
HighlightFAB SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life.
Which card is better for what
Three answers compare ENBD SHARE Platinum and FAB SHARE Platinum on general everyday spend; spending abroad; bills and utilities. 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.
Spending abroad prices AED 2,400 of the total as non-AED and takes each card's foreign transaction fee off the annual result. One answer prices air travel (spending abroad) and counts 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 8,000 to AED 10,000 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.
Neither card charges an annual fee, and both need a salary of AED 5,000 a month.
Best for general everyday spend: FAB SHARE Platinum
FAB SHARE Platinum returns more across the whole profile — AED 468 a year against AED 398, after each card's annual fee.
Modelled monthly spend
Grocery, InsuranceAED 2,500
Fuel, Transportation +6 moreAED 1,000
Utilities, TelecomAED 900
Everything elseAED 3,600
TotalAED 8,000
Annual return
ENBD SHARE Platinum Credit Card0.41% of the profile, after everything+ AED 398
FAB SHARE Platinum Credit Card0.49% of the profile, after everything+ AED 468
Best for spending abroad: ENBD SHARE Platinum
On AED 2,400 of foreign spend a month, ENBD SHARE Platinum charges 3.14%, which comes to AED 904 a year. FAB SHARE Platinum charges 3.89%, which comes to AED 1,120 a year. That leaves ENBD SHARE Platinum ahead over the year, AED 973 against a loss of AED 504.
Modelled monthly spend
Spent abroad, in another currencyAED 2,400
Spent in the UAEAED 5,600
TotalAED 8,000
Annual return
ENBD SHARE Platinum Credit Card
Rewards+ AED 405
Benefits usedAirport lounge × 8+ AED 1,472
Foreign transaction fee3.14% on spend abroad– AED 904
Total1.01% of the profile, after everything+ AED 973
FAB SHARE Platinum Credit Card
Rewards+ AED 616
Foreign transaction fee3.89% on spend abroad– AED 1,120
Totalthe fee is more than it earns on this profile– AED 504
Best for bills and utilities: FAB SHARE Platinum
On AED 2,300 a month of bills and utilities, FAB SHARE Platinum earns AED 17 against AED 2. It keeps more over the year too, AED 605 against AED 416, after each card's annual fee. On these two cards the calculator groups Fuel, Transportation +6 more in with other spend, so those lines are left as they are.
Modelled monthly spend
Utilities, TelecomAED 2,300
Grocery, InsuranceAED 2,500
Fuel, Transportation +6 moreAED 1,600
Everything elseAED 3,600
TotalAED 10,000
Annual return
ENBD SHARE Platinum Credit Card0.35% of the profile, after everything+ AED 416
FAB SHARE Platinum Credit Card0.5% of the profile, after everything+ AED 605
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD SHARE Platinum Credit Card
SHARE Points
Carrefour, Majid Al Futtaim Destinations
4%
AED 0
4% · AED 0
Carrefour, Majid Al Futtaim Destinations
4%
AED 0
4% · AED 0
International
0.75%
AED 0
0.75% · AED 0
International
1%
AED 0
1% · AED 0
Automotive
0.19%
AED 0
0.19% · AED 0
Automotive
0.75%
AED 0
0.75% · AED 0
Charity
0.75%
AED 0
0.75% · AED 0
Charity
0.15%
AED 0
0.15% · AED 0
Utilities, Telecom
0.07%
AED 0
0.07% · AED 0
Utilities, Telecom
0.75%
AED 0
0.75% · AED 0
Grocery, Insurance
0.19%
AED 0
0.19% · AED 0
Grocery, Insurance
0.15%
AED 0
0.15% · AED 0
Fuel, Transportation +6 more
0.07%
AED 0
0.07% · AED 0
Fuel, Transportation +6 more
0.15%
AED 0
0.15% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Airport Lounge Access
—
Airport Lounge Access
—
VOX Cinemas BOGO
—
VOX Cinemas BOGO
AED 264
Annual Fee
Free
Annual Fee
Free
Total
+ AED 0
Total
+ AED 264
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 8,000 month FAB SHARE Platinum comes out ahead by AED 70 a year, AED 468 against AED 398 for ENBD SHARE Platinum. 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. FAB SHARE Platinum answers two: general everyday spend; bills and utilities. ENBD SHARE Platinum answers one: spending abroad. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Neither card charges an annual fee on these profiles, so every figure above is kept in full and there is no break-even to clear on either side.
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ENBD SHARE Platinum Credit Card
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ENBD SHARE Platinum Credit Card vs FAB SHARE Platinum Credit Card: FAQ
Common questions about choosing between ENBD SHARE Platinum Credit Card and FAB SHARE Platinum Credit Card.