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 get unlimited complimentary access to over 1,000 airport lounges worldwide, spanning more than 300 cities. There's no visit cap mentioned, so frequent travelers can use it on every trip without tracking a yearly limit.

Both come with monthly spend conditions. The free monthly tee-off at Yas Links Abu Dhabi requires an average monthly spend of AED 5,000, and the buy-one-get-one-free Cine Royal Cinemas tickets (up to 3 per month) require AED 5,000 minimum spend in the month you want to use them. Miss the threshold in a given month and you won't qualify for that month's perk.