ENBD Diners Club Credit Card

The card charges a flat AED 420 joining fee and AED 420 annual fee with no spend-based waiver listed for this card. It's a fixed cost of holding the card each year rather than something you can offset by hitting a spend threshold, so factor it into whether the Duty Free, dining, and lounge benefits are worth it for you.

You need a minimum monthly salary of AED 12,000 and must be at least 21 years old. Emirates NBD may also ask for UAE residency documents such as your Emirates ID, passport copy, salary certificate or bank statements, and a security cheque as part of the application.

You earn 5 ENBD Plus Points per AED 100 spent at Duty Free, 2.5 Plus Points per AED 100 on dining, and 0.5 Plus Points per AED 100 on all other eligible spending. The rate is highest for Duty Free purchases, making the card most rewarding for travel-related shopping and dining out rather than general spend.

No, this card currently has no welcome offer or signup bonus listed. Its value comes from the ongoing Plus Points earn rates and the built-in lounge, golf, cinema, and concierge benefits rather than a one-time bonus for new cardholders.

Cardholders can make unlimited complimentary visits to over 1,900 lounges in more than 700 cities, subject to Emirates NBD's minimum spend requirement. Additional guests are charged.

Golf is limited to one game per month at participating courses after AED 5,000 average spend over three months. Emirates NBD says card benefits may incur a fee when spend in the usage month falls below AED 5,000. Cinema is up to 3 buy-one-get-one-free tickets per month at Cine Royal, requiring AED 5,000 minimum spend in the month of use.