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ENBD Darna Visa Signature Credit Card
Joining Fee
AED 315
Annual Fee
AED 315
Minimum Salary
AED 12,000

ENBD Darna Visa Signature Credit Card

Earn 7.5% value back as Darna Points at eligible Aldar destinations.

≈ AED 27,132 potential value / year · incl. perks
WebsiteVisit ENBD Darna Visa Signature Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
3,000 Darna Points

Rewards

CategoryEarnRate
Aldar Destinations
0.75 points per AED
7.5%

0.75 points per AED

Grocery, Fast Food, Insurance, Car Dealers
0.025 points per AED
0.25%

0.025 points per AED

Fuel, Transportation +4 more
0.01 points per AED
0.1%

0.01 points per AED

All other spend
0.1 points per AED
1%

0.1 points per AED

CategoryEarnRate
Aldar Destinations
0.75 points per AED
7.5%

0.75 points per AED

Grocery, Fast Food, Insurance, Car Dealers
0.025 points per AED
0.25%

0.025 points per AED

Fuel, Transportation +4 more
0.01 points per AED
0.1%

0.01 points per AED

All other spend
0.1 points per AED
1%

0.1 points per AED

Total rewards capped at 50,000 points a month

See all rewards

Fees and eligibility

Joining FeeAED 315
Annual FeeAED 315
Minimum SalaryAED 12,000
Monthly Purchase Rate
3.69%
International Transaction Fee (non-AED)
1.99%
See all fees

Top benefits

Airport lounge
8/year
Cinema
3/month
See all benefits

Welcome offer

3,000 Darna Points

Earn 3,000 points after AED 15,000 spend.

Earn 3,000 Darna Points when you spend AED 15,000 in the first 3 months.

See full breakdown

Rewards

7.5%

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%

value back as Darna Points outside Aldar.

Earn Darna Points on eligible card spends outside Aldar destinations.

See full breakdown

Rewards Calculator

My Wallet

Already have the ENBD Darna Visa Signature Credit Card?

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

Open My Wallet

Eligibility

21

Minimum Age

12,000AED

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.

3 months of salary credits

Most banks want to see about three months of salary credited to a UAE account before approving a card.

Salary-transfer customers and applicants at preferred employers are often approved sooner. If you've just changed jobs, waiting for the third credit is the safer bet.

Offers

See all 248
Lifestyle

Merchant

Smart Global Domestic Workers Services Center L.L.C.

10% off domestic workers recruitment fees for all available nationalities.

Valid until 11 Nov 2026
View offer
Restaurants

Merchant

Esca Restauarants DMCC

Pressman's

Valid until 12 Nov 2026
View offer
Lifestyle

Merchant

Yinyang Connection Spa

10% off on all services

Valid until 14 Nov 2026
View offer
Restaurants

Merchant

Oliwino - W Dubai The Palm

25% discount on food and beverage

Valid until 19 Nov 2026
View offer

Additional Benefits

Darna Gold status

Automatic Darna Gold tier status.

Includes Darna programme benefits and offers tied to the card tier.

See full breakdown

0% installment plans

0% plans at Aldar Education and Property.

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

See full breakdown

Movie benefits

Up to 3 free VOX movie tickets monthly.

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

See full breakdown

Yas Island theme parks

20% off tickets to Yas Island theme parks and attractions.

Get 20% off eligible Yas Island theme park and attraction tickets under the Darna 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

Airport lounge access

12 visits a year for you and one guest via Visa Airport Companion.

12 Visa Airport Companion lounge visits a calendar year for the cardholder and one guest, after a USD 1 foreign-currency transaction at least 10 days before visiting.

See full breakdown

Roadside assistance

24/7 roadside assistance.

Maintain AED 5,000 monthly spend in the month of use to qualify.

See full breakdown

Fees

315AED

Joining Fee

315AED

Annual Fee

3.69%

Monthly Purchase Rate

3.69% per month (44.28% 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 Visa Signature Credit Card credit card

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

The highest rate is 7.5% value back as Darna Points at eligible Aldar destinations.

ENBD Darna Visa Signature Credit Card includes automatic Darna Gold tier status.

Yes. Emirates NBD lists an annual fee of AED 315.

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 12,000. Final approval depends on Emirates NBD's credit and policy checks.

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