Both cards co-brand the Al Futtaim SHARE loyalty programme — earning SHARE rewards at Carrefour, IKEA, ACE, Marks & Spencer and other Al Futtaim brands — with no annual fee. The choice comes down to the earn rate at Al Futtaim, how each rewards everyday spend outside the ecosystem, and which bank you'd rather hold.
Card face-off
ENBD SHARE Platinum vs FAB SHARE Platinum: which is better in the UAE? (2026)
Two free-for-life Al Futtaim SHARE co-brand cards from different banks. Both earn SHARE rewards at Carrefour and Al Futtaim — compare the earn rate and everyday spend on your profile.
First Abu Dhabi Bank (FAB)
FAB SHARE Platinum Credit Card
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 | Min. salary | Why it stands out |
|---|---|---|---|---|
 | Free | Free | AED 5,000 | Emirates NBD SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
| Free | Free | AED 5,000 | FAB SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
| Card | Annual fee | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 5,000 | Emirates NBD SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life. |
| Free | Free | 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
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
Min. salaryAED 5,000
HighlightFAB SHARE co-brand: SHARE rewards at Carrefour and Al Futtaim, free for life.
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, Al Futtaim Destinations
4%
AED 0
4% · AED 0
Carrefour, 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, Salik +6 more
0.07%
AED 0
0.07% · AED 0
Fuel, Salik +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
Annual Fee
Free
Annual Fee
Free
Total
+ AED 0
Total
+ AED 0
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
Who wins each category
Carrefour & Al Futtaim rewards
ENBD SHARE Platinum Credit Card
Strong SHARE earn at Al Futtaim brands — compare the live rate above.
Everyday non-Al Futtaim spend
FAB SHARE Platinum Credit Card
FAB SHARE spreads a base earn across broader everyday categories.
Annual fee
ENBD SHARE Platinum Credit Card
Free for life — as is FAB SHARE Platinum.
The verdict
Because both cards earn the same SHARE currency at the same brands with no annual fee, the deciding factors are the headline earn rate at Al Futtaim and how each treats your everyday non-Al Futtaim spend. Enter your Carrefour and Al Futtaim spend alongside your wider monthly spend in the calculator above — the card that earns more on your actual mix is the better pick.
Ready to choose?
Apply online in minutes — no branch visit needed.
ENBD SHARE Platinum Credit Card
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.
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