Retail, dining and leisure at Aldar destinations — Yas Mall and other Aldar properties — which is where most furnishing, electronics and homeware spend naturally lands. Points are earned as Darna Points (10 points = AED 1), capped at 25,000 points (AED 2,500 value) per month. Spend outside Aldar destinations earns 0.75%.
Just got the keys to your Aldar home?
Furnish your new home and earn up to 6.25% back.
Built for salaried UAE residents moving into an Aldar community. As you kit out the place — furniture, electronics, homeware at Yas Mall and other Aldar destinations — earn up to 6.25% back as Darna Points, 0.75% elsewhere. Free for life, from AED 5,000 salary.
Built for salaried UAE residents moving into an Aldar community. As you kit out the place — furniture, electronics, homeware at Yas Mall and other Aldar destinations — earn up to 6.25% back as Darna Points, 0.75% elsewhere. 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.
Setting up a home in an Aldar community
The 6.25% rate is earned on retail, dining and leisure at Aldar destinations (Yas Mall and more) — where a new-home furnishing budget naturally lands. It does not apply to the property price, rent or service charges.
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 home-setup rewards
Set your expected furnishing and setup spend at Aldar destinations vs elsewhere. We'll model the Darna Points value under the monthly cap.
530 AED
Monthly Darna value (AED)
Annual value 6,360 AED at this spending mix.
Furniture, electronics, homeware, dining at Yas Mall and other Aldar destinations (6.25% earn rate).
Everyday spend outside Aldar destinations (0.75% earn rate).
Why this card wins on a new-home setup
1.
Up to 6.25% back where you'll furnish — as Darna Points
Furniture, electronics and homeware at Yas Mall and other Aldar destinations earn up to 6.25% back as Darna Points (10 points = AED 1). A big setup month can return the full AED 2,500 monthly cap in value.
2.
Free for life — no joining or annual fee
Emirates NBD lists the Darna Select with no joining or annual fee, so the points you earn on your setup spend are pure return, plus automatic Darna Silver status.
3.
Darna Points redeem across the Aldar world
Points redeem at Aldar destinations — Yas Mall, Yas Island theme parks, hotels and more — so the rewards from setting up your home fund the days out once you've moved in.
4.
0.75% on everything else
Spend outside Aldar destinations still earns 0.75% back as Darna Points, so the card keeps working between setup runs. Rent, service charges and property fees earn a reduced rate — this card is for the lifestyle spend, not the property bill.
Darna Select — new-home setup FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE
Ready to set up and earn?
Pre-apply for the ENBD Darna Select Credit Card in 2 minutes — no commitment, no AECB credit-score impact.