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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

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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. Compare cards by use case.

Last updated: April 10, 2026 - Updated monthly using latest public card terms and bank data.

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ENBD Voyager World Credit Card Design

EMIRATES NBD

ENBD Voyager World Credit Card

Welcome Offer: 75,000 Voyager Miles

6 Voyager Miles on every AED spent on Voyager Travel Portal

3 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Skywards Signature Credit Card Design

EMIRATES NBD

ENBD Skywards Signature Credit Card

Annual Fee: AED 735

Earn 40,000 bonus Skywards Miles.

ENBD noon One Visa Credit Card Design

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

Best Emirates NBD (ENBD) Credit Cards 2026 compared

A side-by-side snapshot of annual fees, salary requirements, and standout benefits.

CardAnnual feeMin. salaryWhy it stands out
ENBD noon One Visa Credit Card
ENBD noon One Visa Credit Card
FreeAED 5,0005% Noon cashback, broad online spend earn, AED 5,000 min salary
ENBD Voyager World Credit Card
ENBD Voyager World Credit Card
FreeAED 12,000Airport lounge, travel miles, dining benefits, from AED 12,000
ENBD Skywards Signature Credit Card
ENBD Skywards Signature Credit Card
AED 735

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.

ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

14 cards in the UAE

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ENBD Voyager World Credit Card Design

EMIRATES NBD

ENBD Voyager World Credit Card

Eligibility criteria

General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.

Minimum age21 years
Monthly salaryAED 5,000–30,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB credit score is checked; a clean record strengthens approval
Minimum age21 years
Monthly salaryAED 5,000–30,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB 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)

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1.5 Skywards Miles per USD on Emirates, flydubai

ExploreLearn more about ENBD Skywards Signature Credit Card credit card benefits and features

Get 5% back as noon credits when you spend on noon

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
AED 12,000
Skywards miles on all spend, Emirates lounge access, from AED 12,000
ENBD U By Emaar Family Credit Card
ENBD U By Emaar Family Credit Card
FreeAED 5,000Emaar lifestyle rewards, family benefits, property cashback, from AED 5,000
ENBD Lulu 247 Platinum Credit Card
ENBD Lulu 247 Platinum Credit Card
FreeAED 12,000LuLu 247 rewards on grocery and household spend, from AED 12,000
ENBD Skywards Infinite Credit Card
ENBD Skywards Infinite Credit Card
AED 1,575AED 30,000Unlimited Skywards miles, premium lounge, full travel stack, from AED 30,000
CardAnnual feeMin. salaryWhy it stands out
ENBD noon One Visa Credit Card
ENBD noon One Visa Credit Card
FreeAED 5,0005% Noon cashback, broad online spend earn, AED 5,000 min salary
ENBD Voyager World Credit Card
ENBD Voyager World Credit Card
FreeAED 12,000Airport lounge, travel miles, dining benefits, from AED 12,000
ENBD Skywards Signature Credit Card
ENBD Skywards Signature Credit Card
AED 735AED 12,000Skywards miles on all spend, Emirates lounge access, from AED 12,000
ENBD U By Emaar Family Credit Card
ENBD U By Emaar Family Credit Card
FreeAED 5,000Emaar lifestyle rewards, family benefits, property cashback, from AED 5,000
ENBD Lulu 247 Platinum Credit Card
ENBD Lulu 247 Platinum Credit Card
FreeAED 12,000LuLu 247 rewards on grocery and household spend, from AED 12,000
ENBD Skywards Infinite Credit Card
ENBD Skywards Infinite Credit Card
AED 1,575AED 30,000Unlimited Skywards miles, premium lounge, full travel stack, from AED 30,000
ENBD noon One Visa Credit Card

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

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

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

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

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

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

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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD U By Emaar Family Credit Card Design

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.

ExploreLearn more about ENBD U By Emaar Family Credit Card credit card benefits and features
ENBD Darna Select Visa Credit Card Design

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

ExploreLearn more about ENBD Darna Select Visa Credit Card credit card benefits and features

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.

ENBD Voyager World Credit Card Design

EMIRATES NBD

ENBD Voyager World Credit Card

Welcome Offer: 75,000 Voyager Miles

6 Voyager Miles on every AED spent on Voyager Travel Portal

3 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Skywards Signature Credit Card Design

EMIRATES NBD

ENBD Skywards Signature Credit Card

Annual Fee: AED 735

ENBD Lulu 247 Platinum Credit Card Design

EMIRATES NBD

ENBD Lulu 247 Platinum Credit Card

Up to 7% LuLu Points on spends.

Welcome Offer: 500 LuLu Points

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.

ENBD Skywards Infinite Credit Card Design

EMIRATES NBD

ENBD Skywards Infinite Credit Card

Annual Fee: AED 1,575

Bonus: Up to 100,000 Skywards Miles

Complimentary Emirates Skywards Silver membership

ExploreLearn more about ENBD Skywards Infinite Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Welcome Offer: 150,000 Voyager Miles

ENBD U By Emaar Signature Credit Card Design

EMIRATES NBD

ENBD U By Emaar Signature Credit Card

Annual Fee: AED 262.50

Salary: AED 12,000+

No Annual Fee

Welcome Offer: 75,000 Voyager Miles

6 Voyager Miles on every AED spent on Voyager Travel Portal

3 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Salary: AED 25,000+

No Annual Fee for the first year

Welcome Offer: 150,000 Voyager Miles

12 Voyager Miles on every AED spent on Voyager Travel Portal

6 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features
ENBD Skywards Signature Credit Card Design

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

ExploreLearn more about ENBD Skywards Signature Credit Card credit card benefits and features
ENBD Skywards Infinite Credit Card Design

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

ExploreLearn more about ENBD Skywards Infinite Credit Card credit card benefits and features
ENBD noon One Visa Credit Card Design

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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD U By Emaar Family Credit Card Design

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.

ExploreLearn more about ENBD U By Emaar Family Credit Card credit card benefits and features
ENBD U By Emaar Signature Credit Card Design

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

ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and features
ENBD Lulu 247 Platinum Credit Card Design

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.

ExploreLearn more about ENBD Lulu 247 Platinum Credit Card credit card benefits and features
ENBD Duo Credit Card Design

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

ExploreLearn more about ENBD Duo Credit Card credit card benefits and features
ENBD Darna Select Visa Credit Card Design

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

ExploreLearn more about ENBD Darna Select Visa Credit Card credit card benefits and features
ENBD Darna Visa Signature Credit Card Design

EMIRATES NBD

ENBD Darna Visa Signature Credit Card

Salary: AED 12,000+

Annual Fee: AED 300

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

ExploreLearn more about ENBD Darna Visa Signature Credit Card credit card benefits and features
ENBD Mastercard Titanium Credit Card Design

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.

ExploreLearn more about ENBD Mastercard Titanium Credit Card credit card benefits and features
ENBD Dnata World Credit Card Design

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.

ExploreLearn more about ENBD Dnata World Credit Card credit card benefits and features
ENBD Go4it Platinum Credit Card Design

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

ExploreLearn more about ENBD Go4it Platinum Credit Card credit card benefits and features
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

The best ENBD card depends on your priority. For travel and miles: ENBD Voyager World or Skywards Signature. For unlimited Skywards miles: Skywards Infinite (30K salary). For online shopping: Noon One (5K salary). For lifestyle: U by Emaar Family. For groceries: LuLu 247 Platinum.

ENBD offers two main Skywards cards: Skywards Signature (from AED 12,000 salary) and Skywards Infinite (from AED 30,000). Both earn Emirates Skywards miles on every dirham spent. The Infinite card has no monthly cap on miles earning and includes more premium Emirates lounge benefits.

ENBD Voyager World is a travel rewards card starting from AED 12,000 salary that earns miles on all spend, provides access to 25+ airport lounges, and includes dining discounts and travel insurance. The Voyager World Elite is a step-up with enhanced benefits.

ENBD's cashback options include the Noon One card (5% on Noon, online spend) and the LuLu 247 series (grocery and household cashback). For flat-rate cashback across all categories, other banks like Wio or Mashreq may offer better structures than ENBD's primary portfolio.

The minimum salary for most ENBD credit cards is AED 5,000 (Noon One, U by Emaar Family, Darna Select). Mid-range cards like Voyager and Skywards Signature require AED 12,000. Premium cards like Skywards Infinite, Visa Infinite, and Darna Infinite require AED 30,000+

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Earn 40,000 bonus Skywards Miles.

1.5 Skywards Miles per USD on Emirates, flydubai

ExploreLearn more about ENBD Skywards Signature Credit Card credit card benefits and features

Unlimited Lounge Access: 25+ lounges available.

ExploreLearn more about ENBD Lulu 247 Platinum Credit Card credit card benefits and features

12 Voyager Miles on every AED spent on Voyager Travel Portal

6 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

6.25% cashback on Emaar spends

U By Emaar Gold Status

ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and features