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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

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AboutUnlock my cardsOffersBanksCalculatorsAccountsPick 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.

Kredit

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Get notified about UAE latest credit card products

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ENBD Darna Visa Signature Credit Card

Joining Fee

AED 300

Annual Fee

AED 300

Minimum Salary

AED 12,000

Planning a Yas Island getaway?

Your Yas Island weekend, up to 7.5% back.

Built for salaried UAE residents who love a Yas Island escape. Earn up to 7.5% back as Darna Points on hotels, theme parks, dining and shopping across Aldar's Yas destinations, 1% everywhere else. From AED 12,000 salary.

Learn more

Built for salaried UAE residents who love a Yas Island escape. Earn up to 7.5% back as Darna Points on hotels, theme parks, dining and shopping across Aldar's Yas destinations, 1% everywhere else. From AED 12,000 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 12,000+)

    AED 12,000 monthly salary credited to a UAE bank account, with clean employer documentation and a valid Emirates ID and residence visa.

  • Takes regular Yas Island / Aldar-destination trips

    The 7.5% rate is earned at Aldar destinations — Yas Island hotels, theme parks, dining and Yas Mall. If you rarely spend there, the free Darna Select (6.25%) may suit you better.

  • Spends enough to clear the annual fee

    The card carries an AED 315 annual fee. At 7.5%, a few Yas weekends a year clear it comfortably — model your own spend below before applying.

  • 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 Yas weekend rewards

Set your typical monthly spend at Yas Island / Aldar destinations vs elsewhere. We'll model the Darna Points value under the monthly cap.

285 AED
Monthly Darna value (AED)

Annual value 3,420 AED at this spending mix.

YAS / ALDAR SPEND / MO

Yas Island hotels, theme parks, dining and Yas Mall (7.5% earn rate).

OTHER SPEND / MO

Everyday spend outside Aldar destinations (1% earn rate).

Why this card wins on a Yas Island weekend

1.

Up to 7.5% back across Yas Island — as Darna Points

Hotels, theme parks, dining and Yas Mall shopping all earn up to 7.5% back as Darna Points (10 points = AED 1). A AED 4,000 weekend returns around AED 300 in value.

2.

A few weekends clear the fee

The AED 315 annual fee is covered by roughly one-and-a-bit Yas weekends' worth of Darna Points — after that the rewards are pure upside for a regular Yas visitor.

3.

Darna Points redeem across the Aldar world

Points redeem at Aldar destinations — Yas Island hotels, theme parks and Yas Mall — so this trip's rewards help fund the next one.

4.

1% on everything else

Spend away from Aldar destinations still earns 1% back as Darna Points, so the card keeps working between getaways. Rent, service charges and property fees earn a reduced rate.

Darna Signature — Yas Island FAQ

Get answers to common questions about credit cards, applications, and managing your finances in the UAE

Spend at Aldar destinations — Yas Island hotels, theme parks, dining and Yas Mall — earns up to 7.5% back as Darna Points (10 points = AED 1), capped at 50,000 points (AED 5,000 value) per month. Spend elsewhere earns 1%.

AED 315 per year (including VAT), with no separate joining fee. For a regular Yas Island visitor the 7.5% rate typically clears the fee in a weekend or two — model your own spend above before applying.

No. The rewards are tied to spend at Aldar destinations, not to where you live — so Dubai and Northern Emirates residents who take Yas Island trips earn the same 7.5% on those weekends.

Darna Select is free and earns 6.25% at Aldar destinations (cap AED 2,500/month); Darna Signature earns 7.5% (cap AED 5,000/month) for an AED 315 annual fee. Frequent Yas visitors usually come out ahead on Signature; occasional visitors may prefer the free Select. Compare both on Kredit.ae.

AED 12,000 monthly salary credited to a UAE bank account, alongside a valid Emirates ID and residence visa. Have your salary certificate or a recent 3-month bank statement ready at submission.

Ready to earn on your next Yas weekend?

Pre-apply for the ENBD Darna Signature Credit Card in 2 minutes — no commitment, no AECB credit-score impact.