Best Emirates NBD (ENBD) Credit Cards 2026
Emirates NBD offers one of the largest credit card portfolios in the UAE, spanning Skywards miles, travel, cashback, LuLu rewards, Emaar lifestyle, and Voyager travel benefits.
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Compare cards by use case.
EMIRATES NBD
ENBD Voyager World Credit Card
≈ AED 16,386 potential value / year · incl. perks · incl. welcome bonus
3.9/5
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Skywards Signature Credit Card
≈ AED 11,782 potential value / year · incl. perks
Annual Fee: AED 735
Earn 40,000 bonus Skywards Miles.
1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
ENBD noon One Visa Credit Card
≈ AED 24,776 potential value / year · incl. perks · incl. welcome bonus
4.1/5
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
≈ AED 31,402 potential value / year · incl. perks · incl. welcome bonus
UAE Nationals only
Up to 25,000 welcome UPoints
7.5% value back at Emaar
Best Emirates NBD (ENBD) Credit Cards 2026 compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | 5% Noon cashback, broad online spend earn, AED 5,000 min salary |
| Free | AED 12,000 | Airport lounge, travel miles, dining benefits, from AED 12,000 |
| AED 735 | AED 12,000 | Skywards miles on all spend, Emirates lounge access, from AED 12,000 |
 | Free | AED 5,000 | Emaar lifestyle rewards, family benefits, property cashback, from AED 5,000 |
 | Free | AED 12,000 | LuLu 247 rewards on grocery and household spend, from AED 12,000 |
 | AED 1,575 | AED 30,000 | Unlimited Skywards miles, premium lounge, full travel stack, from AED 30,000 |
| AED 1,575 (waivable) | AED 30,000 | UAE Nationals only, 7.5% Emaar value, first-year fee waiver, from AED 30,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | 5% Noon cashback, broad online spend earn, AED 5,000 min salary |
| Free | AED 12,000 | Airport lounge, travel miles, dining benefits, from AED 12,000 |
| AED 735 | AED 12,000 | Skywards miles on all spend, Emirates lounge access, from AED 12,000 |
| Free | AED 5,000 | Emaar lifestyle rewards, family benefits, property cashback, from AED 5,000 |
| Free | AED 12,000 | LuLu 247 rewards on grocery and household spend, from AED 12,000 |
| AED 1,575 | AED 30,000 | Unlimited Skywards miles, premium lounge, full travel stack, from AED 30,000 |
| AED 1,575 (waivable) | AED 30,000 | UAE Nationals only, 7.5% Emaar value, first-year fee waiver, from AED 30,000 |
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% Noon cashback, broad online spend earn, AED 5,000 min salary
ENBD Voyager World Credit Card
Annual feeFree
Min. salaryAED 12,000
HighlightAirport lounge, travel miles, dining benefits, from AED 12,000
ENBD Skywards Signature Credit Card
Annual feeAED 735
Min. salaryAED 12,000
HighlightSkywards miles on all spend, Emirates lounge access, from AED 12,000
ENBD U By Emaar Family Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightEmaar lifestyle rewards, family benefits, property cashback, from AED 5,000
ENBD Lulu 247 Platinum Credit Card
Annual feeFree
Min. salaryAED 12,000
HighlightLuLu 247 rewards on grocery and household spend, from AED 12,000
ENBD Skywards Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightUnlimited Skywards miles, premium lounge, full travel stack, from AED 30,000
ENBD U By Emaar Visa Infinite Emirati Credit Card
Annual feeAED 1,575 (waivable)
Min. salaryAED 30,000
HighlightUAE Nationals only, 7.5% Emaar value, first-year fee waiver, from AED 30,000
Salary tier
ENBD cards from AED 5,000 salary
Emirates NBD offers accessible entry-level cards for lower salary tiers, including cashback, online shopping rewards, and lifestyle benefits.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD U By Emaar Family Credit Card
- 1% cashback on all spends
- 5% cashback on Emaar spends
- Buy 1 Get 1 Free Movie Tickets.
EMIRATES NBD
ENBD Darna Select Visa Credit Card
- 6.25% cashback on all spends at Aldar destinations
- 0.75% cashback on spends at non-Aldar locations.
- Complimentary Darna Silver tier status
Salary tier
ENBD cards from AED 12,000 salary
Mid-tier ENBD cards unlock Voyager travel miles, Skywards miles, LuLu grocery rewards, and the Duo dual-card concept.
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Annual Fee: AED 735
- Earn 40,000 bonus Skywards Miles.
- 1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
- Up to 7% LuLu Points on spends.
- Welcome Offer: 500 LuLu Points
- Unlimited Lounge Access: 25+ lounges available.
Salary tier
ENBD premium cards from AED 30,000 salary
ENBD's premium tier offers unlimited Skywards miles, Infinite-class travel benefits, and Emaar flagship lifestyle access.
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Annual Fee: AED 1,575
- Bonus: Up to 100,000 Skywards Miles
- Complimentary Emirates Skywards Silver membership
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
15 cards in the UAE
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Earn 40,000 bonus Skywards Miles.
- 1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Bonus: Up to 100,000 Skywards Miles
- Complimentary Emirates Skywards Silver membership
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD U By Emaar Family Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 1% cashback on all spends
- 5% cashback on Emaar spends
- Buy 1 Get 1 Free Movie Tickets.
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
- Min Salary: AED 12,000
- Joining Fee: AED 525
- Annual Fee: AED 262.50
- 6.25% cashback on Emaar spends
- U By Emaar Gold Status
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- First year free
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Up to 7% LuLu Points on spends.
- Welcome Offer: 500 LuLu Points
- Unlimited Lounge Access: 25+ lounges available.
EMIRATES NBD
ENBD Duo Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 840
- 5% rewards on grocery, utilities, telecom & fuel
- 0.5% on other spends
- Unlimited airport lounge access worldwide
EMIRATES NBD
ENBD Darna Select Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 6.25% cashback on all spends at Aldar destinations
- 0.75% cashback on spends at non-Aldar locations.
- Complimentary Darna Silver tier status
EMIRATES NBD
ENBD Darna Visa Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 315
- Welcome bonus: 3,000 Darna Points on payment of annual fee
- 7.5% cashback on all spends at Aldar destinations
- Complimentary Darna Gold tier status
EMIRATES NBD
ENBD Mastercard Titanium Credit Card
- Minimum Salary AED 5,000
- No Annual Fee
- AED 60,000 Job Loss Cover for 12 months
- Lounge access at 10+ regional airports.
- Exclusive travel and shopping deals.
EMIRATES NBD
ENBD Dnata World Credit Card
- Salary: AED 20,000+
- Joining Fee: AED 1,048.95
- Annual Fee AED 1,048.95
- Welcome Offer: Up to AED 2,500 travel vouchers
- Earn 15% dnata Points on dnata spends.
EMIRATES NBD
ENBD Go4it Platinum Credit Card
- Salary: AED 12,000+
- No Annual Fee
- 5 points per AED 200 on weekends
- Use Card as Golden Nol Card.
- Free Rides on Dubai Ferry
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Emirates NBD (ENBD) Credit Cards 2026 in the UAE
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