Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
- Joining Fee
- AED 315
- Annual Fee
- AED 315
- Minimum Salary
- AED 12,000
ENBD Darna Visa Signature Credit Card
ENBD Darna Visa Signature Credit Card earns 7.5% value back as Darna Points at Aldar destinations, with automatic Gold status.
≈ AED 29,962 potential value / year · incl. perks
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 breakdownRewards
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 breakdown1%
value back as Darna Points outside Aldar.
Earn Darna Points on eligible card spends outside Aldar destinations.
See full breakdownRewards Calculator
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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 837View offer
Restaurants
Merchant
Celsius
25% off Food and Beverage
Valid until 31 Aug 2026
Lifestyle
Merchant
Grand Flora Spa Ladies Salon
Enjoy 15% off on spend of AED 150 and above
Valid until 31 Aug 2026
Entertainment
Merchant
Just Padel
Just Padel Kite Beach
Valid until 31 Aug 2026
Additional Benefits
Darna Gold status
Automatic Darna Gold tier status.
Includes Darna programme benefits and offers tied to the card tier.
See full breakdown0% installment plans
0% plans at Aldar Education and Property.
Emirates NBD lists 0% installment plans at no cost across Aldar Education and Property.
See full breakdownAirport lounge access
Complimentary lounge access.
No minimum spend requiredUse Visa Airport Companion for participating lounges and current access conditions.
See full breakdownMovie benefits
Buy 1 get 1 free movie tickets.
No minimum spend requiredBook online on the VOX Cinemas website or app and pay with the card. Minimum spend criteria applies.
See full breakdownGolf
2 complimentary rounds per month at 6 UAE courses.
Requires AED 5,000/month spendIncludes Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club. AED 30 processing fee per booking; no-show fee AED 249 and golf cart charges apply.
See full breakdownValet 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 breakdownRoadside assistance
Recovery, towing, fuel and battery help.
Roadside assistance includes recovery, towing, fuel delivery and battery boost under card benefit terms.
See full breakdownFees
315AED
Joining Fee
315AED
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
Frequently Asked Questions
Get answers to common questions about ENBD Darna Visa Signature Credit Card credit card
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