Spend at Aldar destinations — including Yas Mall, Yas Island theme parks, Aldar hotels and other Aldar properties — earns 6.25% back as Darna Points. Most other UAE and international spend earns 0.75%, with groceries, insurance and automotive at a reduced rate, and fuel, transport, utilities, government, education and telecom at the lowest tier.
Living in Abu Dhabi and spending across Aldar?
Earn 6.25% back across Aldar destinations.
Built for Abu Dhabi residents who spend at Aldar destinations — Yas Mall, Yas Island theme parks and hotels. Earn 6.25% back as Darna Points across Aldar, and 0.75% on non-Aldar spend. Free for life, from AED 5,000 salary.
Built for Abu Dhabi residents who spend at Aldar destinations — Yas Mall, Yas Island theme parks and hotels. Earn 6.25% back as Darna Points across Aldar, and 0.75% on non-Aldar spend. Free for life, from AED 5,000 salary.
Is this card right for you?
Quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with stable salary (AED 5,000+)
AED 5,000 monthly salary credited to a UAE bank account, with clean employer documentation and a valid Emirates ID and residence visa.
Abu Dhabi resident or regular Aldar visitor
Darna Select concentrates rewards on Aldar destinations — Yas Mall, Yas Island theme parks and Aldar hotels. If you rarely spend across the Aldar ecosystem, a flat-rate cashback card may earn more for you.
Documents ready
Emirates ID, passport, and recent salary certificate or 3-month bank statement on hand — that's the full pack ENBD asks for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments or red flags on your AECB report. A recent decline or arrears is the top reason a UAE card application stalls.
Model your monthly Darna rewards
Set your typical monthly spend across Aldar destinations and elsewhere. We'll model the Darna Points value you'd earn under the monthly cap.
120 AED
Monthly Darna value (AED)
Annual value 1,440 AED at this spending mix.
Yas Mall, Yas Island theme parks, hotels and other Aldar properties (6.25% earn rate).
Everyday spend outside the Aldar ecosystem (0.75% earn rate).
Why this card wins on Aldar
1.
6.25% back across Aldar — the headline rate for Abu Dhabi life
Every dirham at Aldar destinations earns 6.25% back as Darna Points. A AED 2,000/month spend across Yas Mall, theme parks and hotels returns AED 125 in monthly value.
2.
Darna Points redeem across the Aldar ecosystem
10 Darna Points equal AED 1, redeemable at Aldar destinations including Yas Mall, Yas Island theme parks, hotels and other Aldar properties. Points accrue automatically with no minimum redemption.
3.
Complimentary Darna Silver tier and lounge access
The card includes complimentary Darna Silver tier status and airport lounge access — perks that sit on top of the Darna Points you earn across Abu Dhabi.
4.
Free for life — no annual fee, no joining fee
Emirates NBD lists both the joining and annual fee as free, with no waiver condition tied to spend. Your Darna Points are pure return — no fee to net against.
Darna Select FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE
Ready to start earning?
Pre-apply for the Emirates NBD Darna Select Visa Credit Card in 2 minutes — no commitment, no AECB credit-score impact.