Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 2026
ENBD Dnata World Credit Card
The top-tier dnata co-brand Mastercard World card, earning up to 15% back in dnata Points at dnata Travel, with a waivable annual fee.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 25,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD Dnata World Credit Card expects AED 25,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
Up to AED 2,500 Travel Vouchers
AED 1,000 on joining fee + AED 1,500 on spend
AED 1,000 travel voucher on paying the joining fee, plus AED 1,500 travel voucher on retail spend of AED 25,000 within the first 3 billing statements.
See full breakdownRewards
15dnata Points
per AED 100 at dnata Travel, City Sightseeing and Emirates Leisure Retail.
Earn 15% back in dnata Points at dnata Travel, City Sightseeing, Arabian Adventures, Imagine Cruising, Emirates Holidays, and Emirates Leisure Retail outlets (Costa Coffee, Pret A Manger, Wolfgang Puck).
See full breakdown10dnata Points
per AED 100 on Duty Free shopping worldwide.
Earn 10% back in dnata Points on Duty Free purchases worldwide.
2dnata Points
per AED 100 on all other spend.
Earn up to 2% back on other spends. Grocery, supermarkets, insurance, car dealerships and fast-food restaurants earn at 25% of the standard rate.
See full breakdownRewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 829View offer
Restaurants
Merchant
360 restaurant
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
90 Centigrade Café
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
Al Dana
20% off on total bill
Valid until 31 Jul 2026
Additional Benefits
Airport Lounge Access
Access to 650+ lounges across 300+ cities
Complimentary access to 650+ airport lounges across 300+ cities via DragonPass/Mastercard Travel Pass. Visits are capped per year under the card's tier; Emirates NBD does not publish the exact annual number.
Golf
Complimentary rounds at top UAE golf courses
Complimentary rounds at Trump International, The Track Meydan, Arabian Ranches, Yas Links, Jebel Ali, Abu Dhabi and Sharjah Golf & Shooting Club. AED 30 processing fee per booking; requires AED 5,000 minimum monthly spend in the month of use.
Valet Parking
4 complimentary valet services per month
4 complimentary valet parking services per month, 1 hour each, at selected locations in Abu Dhabi.
Eligibility
21
Minimum Age
25,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.
Fees
1,048.95AED
Joining Fee
1,048.95AED
Annual Fee
3.69%
Monthly Purchase Rate
3.69% per month (44.28% 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
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