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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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ENBD Darna Infinite Privilege Credit Card
Joining Fee
AED 2,625
Annual Fee
AED 2,625
Minimum Salary
AED 50,000

ENBD Darna Infinite Privilege Credit Card

ENBD Darna Infinite Privilege Card earns 10% value back as Darna Points at Aldar destinations, with automatic Invite Only status.

≈ AED 36,132 potential value / year · incl. perks
WebsiteVisit ENBD Darna Infinite Privilege Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
Up to 25,000 Darna Points

Rewards

CategoryEarnRate
Aldar Destinations
1 point per AED
10%

1 point per AED

Grocery, Fast Food, Insurance, Car Dealers
0.0375 points per AED
0.38%

0.0375 points per AED

Fuel, Transportation +4 more
0.015 points per AED
0.15%

0.015 points per AED

All other spend
0.15 points per AED
1.5%

0.15 points per AED

CategoryEarnRate
Aldar Destinations
1 point per AED
10%

1 point per AED

Grocery, Fast Food, Insurance, Car Dealers
0.0375 points per AED
0.38%

0.0375 points per AED

Fuel, Transportation +4 more
0.015 points per AED
0.15%

0.015 points per AED

All other spend
0.15 points per AED
1.5%

0.15 points per AED

Total rewards capped at 200,000 points a month

See all rewards

Fees and eligibility

Joining FeeAED 2,625
Annual FeeAED 2,625
Minimum SalaryAED 50,000
Monthly Purchase Rate
3.25%
International Transaction Fee (non-AED)
1.99%
See all fees

Top benefits

Airport lounge
Unlimited
Cinema
3/month
See all benefits

Welcome offer

Up to 25,000 Darna Points

15,000 points on fee payment plus 10,000 points after early spend.

Earn 15,000 Darna Points on payment of joining fees and another 10,000 Darna Points when you spend AED 30,000 in the first 3 months.

See full breakdown

Rewards

10%

value back as Darna Points at Aldar destinations.

Applies to eligible spends at Aldar destinations including Yas Mall, Yas Island theme parks, hotels, spas, golf courses and other Abu Dhabi attractions.

See full breakdown

1.5%

value back as Darna Points outside Aldar.

Earn Darna Points on eligible card spends outside Aldar destinations.

See full breakdown

Rewards Calculator

My Cards

Already have the ENBD Darna Infinite Privilege Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Cards

Eligibility

21

Minimum Age

50,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, and a security cheque.

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

Offers

See all 752
Lifestyle

Merchant

Al Musheer Gulf Fashion

15%-25% off Kanduras (depending on the fabric).

Valid until 31 Oct 2026
View offer
Lifestyle

Merchant

Belhasa Driving Center

Exclusive price at Belhasa Driving Center

Valid until 31 Oct 2026
View offer
Restaurants

Merchant

Biella

20% off on food & beverage

Valid until 31 Oct 2026
View offer
Lifestyle

Merchant

Blazerr.ae

15% off total bill

Valid until 31 Oct 2026
View offer

Additional Benefits

Darna Invite Only status

Automatic Darna Invite Only tier status.

Includes Darna programme benefits and offers tied to the card tier, such as discounts on hotel stays, dining, beach clubs, golf, padel and country clubs.

See full breakdown

0% installment plans

0% plans at Aldar Education and Property.

0% installment plans at no cost, over 6 or 12 months, at qualifying Aldar Education and Property merchants.

See full breakdown

Airport Lounge Access

Unlimited access to 1,000+ lounges worldwide

Unlimited visits for the cardholder and a guest via Visa Airport Companion. Requires AED 5,000 spend in the use month and a USD 1 foreign-currency transaction at least 10 days before a lounge visit each year.

See full breakdown

Airport Chauffeur Services

Chauffeured airport transfers in 120+ cities

Chauffeured luxury vehicle for airport transfers across over 120 cities in 40+ countries. Book via the Darna Infinite Privilege Card Concierge. Requires AED 5,000 minimum monthly spend in the month of use.

Movie Nights

Up to 3 free VOX tickets monthly

Buy 1 get 1 free on eligible VOX tickets booked online or in the app, up to 3 free tickets monthly. Requires AED 5,000 card spend in the month of use.

See full breakdown

Yas Island attractions

20% off Yas Island theme parks.

Get 20% off eligible Yas Island theme park and attraction tickets under the Darna Infinite Privilege benefit terms.

See full breakdown

Roadside assistance

Recovery, towing, fuel and battery help.

Roadside assistance includes recovery, towing, fuel delivery and battery boost under card benefit terms.

See full breakdown

Purchase protection and warranty

Purchase cover and 12 extra warranty months.

Eligible card purchases have accidental damage and theft protection, plus 12 months of extended warranty beyond the original warranty.

See full breakdown

Multi-trip travel insurance

Medical and accident cover on trips.

Issuer booklet lists medical emergency and evacuation cover, with personal accident cover up to USD 1.5 million globally and USD 500,000 for domestic travel, subject to policy terms.

See full breakdown

Fees

2,625AED

Joining Fee

2,625AED

Annual Fee

3.25%

Monthly Purchase Rate

3.25% per month (39.00% per annum).

Late Payment FeeAED 241.5*

*Charged per month if the minimum payment due is not received in full by the payment due date.

Over Limit FeeAED 292.95*

*Charged once during each billing cycle when the current balance exceeds the credit limit.

Cash Advance Fee3.15%*

*3.15% of the cash advance amount or AED 103.95, whichever is higher.

Installment ProcessingAED 51.45*

*Charged per transaction.

Installment Pre-closure1.05%*

*1.05% of principal outstanding.

International Transaction Fee (non-AED)1.99%*

*Bank currency conversion fee; network processing fees may also apply.

Foreign Currency Transaction Fee (AED abroad)1.99%*

*Applies when settling foreign currency transactions in UAE dirhams overseas.

Direct Debit Return FeeAED 105*

*Charged for returned cheque or direct debit handling.

Credit Shield Pro1.04%*

*Monthly premium on the credit card outstanding balance when enrolled.

Important Stuff

Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ENBD Darna Infinite Privilege Credit Card credit card

Emirates NBD states that 10 Darna Points equal AED 1 on redemption.

The highest rate is 10% value back as Darna Points at eligible Aldar destinations.

ENBD Darna Infinite Privilege includes automatic Darna Invite Only tier status.

Yes. Emirates NBD lists an annual fee of AED 2,625.

Darna Points can be redeemed at participating Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses and other attractions.

The listed minimum salary is AED 50,000. Final approval depends on Emirates NBD's credit and policy checks.

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