ENBD Dnata Platinum Credit Card

Yes, there's a joining fee of AED 525 and an annual fee of AED 525. The card's fee details don't list any waiver terms or spend-based reduction for this fee, so it should be budgeted for as a recurring yearly charge rather than assumed to be waivable.

New cardholders can earn travel vouchers worth up to AED 2,500 simply by activating the card. The offer is tied to card activation rather than a minimum spend condition, and full terms are published on Emirates NBD's dnata credit card campaign page.

You earn 15% back in dnata Points at dnata Travel, World Duty Free and other dnata outlets, 3 dnata Points per AED 1 on international retail spend, and 1.5 dnata Points per AED 1 on domestic retail spend. Grocery, supermarkets, fast-food, insurance and car dealership spend earns at only 25% of the applicable domestic or international rate.

You need a minimum monthly salary of AED 5,000, must be at least 21 years old, and must be a UAE resident. Emirates NBD may also request an Emirates ID, passport copy, salary certificate or bank statements, and a security cheque as part of the application.

The card includes complimentary access to more than 1,000 airport lounges worldwide through DragonPass. This is described as unlimited access rather than a fixed number of visits per year.

The card includes purchase protection of up to USD 5,000 over a 12-month period. It also comes with travel insurance coverage and hotel discounts, though Emirates NBD does not publish specific coverage limits for these two benefits.