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

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service
AboutBlogBanksCalculatorsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

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

Copyright © 2026 All Rights Reserved.

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ENBD Darna Visa Infinite Credit Card

Joining Fee

AED 1,575

Annual Fee

AED 1,575

Minimum Salary

AED 30,000

Back to cards

ENBD Darna Visa Infinite Credit Card

The ENBD Darna Visa Infinite Credit Card is a premium Aldar-focused rewards card with 10% value back as Darna Points at Aldar destinations, Darna Platinum status, lounge access, golf privileges, and valet parking.

WebsiteVisit ENBD Darna Visa Infinite Credit Card credit card website

Welcome offer

Up to 15,000 Darna Points

7,500 points on fee payment plus 7,500 points after eligible early spend.

Earn 7,500 Darna Points on payment of the joining fee and another 7,500 Darna Points when you spend AED 20,000 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 Aldar 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

0 AED
Per Year

You can earn this amount based on your monthly spends per category.

ALDAR DESTINATIONS
GROCERY, INSURANCE, AUTOMOTIVE
FUEL, TRANSPORTATION +5 MORE
OTHER SPENDS

Additional Benefits

Darna Platinum status

Automatic Darna Platinum tier status.

Includes exclusive Darna benefits and offers tied to Platinum membership.

See full breakdown

Airport lounge access

Complimentary lounge access.

Use Visa Airport Companion for participating lounges and current access conditions.

See full breakdown

Golf

2 complimentary rounds per month at 6 UAE courses.

Includes Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club. AED 5,000 monthly spend required; AED 30 processing fee per booking; no-show fee AED 249 and golf cart charges apply.

See full breakdown

Frequently Asked Questions

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

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

The card offers up to 15,000 Darna Points: 7,500 on joining fee payment and 7,500 after AED 20,000 spend in the first 3 months.

The minimum salary listed by Emirates NBD is AED 30,000.

The highest earn rate applies at eligible Aldar destinations. Non-Aldar spends earn a lower Darna Points rate.

The card includes complimentary Darna Platinum tier status, subject to Darna programme terms.

The annual fee is AED 1,575. The joining fee is also AED 1,575.

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Valet parking

4 Abu Dhabi valet services monthly.

Includes up to 4 free 1-hour valet services per month at select Abu Dhabi and Al Ain locations.

See full breakdown

Movie benefits

Buy 1 get 1 free movie tickets.

Book online on the VOX Cinemas website or app and pay with the card. Minimum spend criteria applies.

See full breakdown

0% installment plans

0% plans at Aldar Education and Property.

Emirates NBD lists 0% installment plans at no cost across Aldar Education and Property, plus general easy installment plans at participating merchants.

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

Eligibility

21

Minimum Age

30,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.

Fees

1,575AED

Joining Fee

1,575AED

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 Pro0.99%*

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

Important Stuff

Key Facts Statement

Opens in a new tab

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
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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

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ENBD Darna Infinite Privilege Credit Card

Salary: AED 50,000+

Annual Fee: AED 2,625

Welcome Offer: up to 25,000 Darna Points

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Complimentary Darna Invite only membership

ExploreLearn more about ENBD Darna Infinite Privilege Credit Card credit card benefits and features

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

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6.25% cashback on Emaar spends

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0.5% on other spends

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1% cashback on all spends

5% cashback on Emaar spends

Buy 1 Get 1 Free Movie Tickets.

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Joining Fee: AED 3,148.95

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Salary: AED 5,000+

Joining Fee: AED 525

Annual Fee: AED 525

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Salary: AED 5,000+

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Interest-free Period: Up to 55 days.

Exclusive for Online Shopping

ExploreLearn more about ENBD Webshopper Credit Card credit card benefits and features
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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
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AED 60,000 Job Loss Cover for 12 months

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