Lifestyle
Merchant
Chocolate Palace
Enjoy 15% off on total bill
Valid until 16 Aug 2026
ENBD Duo Credit Card
A dual-card package combining Diners Club and Mastercard Platinum, offering 5% rewards on grocery, electronics and fuel. Also rewards utilities, telecom and education spend. Exclusively for Abu Dhabi residents.
Updated Jun 2026
≈ AED 919 value / year · incl. perks
Welcome offer
YouGotaGift Voucher
Up to AED 400 YouGotaGift voucher
Redeemable across brands in the UAE. Subject to terms and conditions.
See full breakdownRewards
5%
rewards on grocery, electronics, utilities, telecom, education & fuel
Earn 5% Plus Points on these categories with minimum monthly spend of AED 5,000 per statement. Maximum 500 Plus Points per statement.
1.5%
rewards on grocery, electronics, utilities, telecom, education & fuel below AED 5,000 spend
If the minimum monthly spend of AED 5,000 is not met, you earn 1.5% Plus Points on grocery, electronics, utilities, telecom, education and fuel categories instead of 5%.
0.5%
rewards on all other spends
Includes travel, dining, hotels, online purchases and more. Applicable regardless of monthly spend amount.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
12,000AED
Minimum Income
Abu Dhabi Residents Only
This card is exclusively available for Abu Dhabi residents
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
Offers
See all 830View offer
Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
Restaurants
Merchant
Celsius
25% off Food and Beverage
Valid until 31 Aug 2026
Lifestyle
Merchant
Grand Flora Spa Ladies Salon
Enjoy 15% off on spend of AED 150 and above
Valid until 31 Aug 2026
Additional Benefits
Dual Card Package
Mastercard Platinum + Diners Club International
Get two cards linked to one account — a Mastercard Platinum for universal acceptance and a Diners Club International for premium lounge and dining benefits.
Unlimited Airport Lounge Access
Complimentary access to 900+ airport lounges worldwide
Unlimited visits for cardholder. Available via Diners Club and Mastercard lounge networks.
Golf
Access to 6 top golf courses across the UAE
Arabian Ranches Golf Club, Jebel Ali Golf Club, The Track Meydan Golf, Abu Dhabi City Golf Club, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club. AED 30 processing fee per booking and no-show fees apply. Minimum spend criteria applies.
See full breakdownBuy 1 Get 1 Movie Tickets
BOGO at Royal Cinemas with 15% food discount
Buy 1 Get 1 free movie tickets at Royal Cinemas (Abu Dhabi). 15% discount on food and beverages.
Restaurant Discounts
Up to 30% off at 2,000+ UAE restaurants
Up to 30% discount at over 2,000 restaurants across the UAE. Up to 50% discount at restaurants in Europe.
24/7 Concierge Service
Personal concierge for errands and bookings
Round-the-clock concierge assistance for travel bookings, restaurant reservations, and personal errands.
Purchase Protection
Up to USD 5,000 coverage
Protection against theft or damage for purchases made with the card, up to USD 5,000.
0% Easy Payment Plans
Interest-free instalments at select merchants
Convert eligible purchases to 0% interest payment plans at participating merchant outlets.
Fees
840AED
Annual Fee
Temporarily waived as a limited-time promotional offer
3.49%
Monthly Interest Rate
Equivalent to 41.88% per annum
230AED
Late Payment Fee
Over Limit FeeAED 279
Cash Advance Fee3%*
*3% or AED 99, whichever is higher
Foreign Currency Transaction Fee1.99%
Supplementary CardFree*
*Multiple supplementary cards at no additional cost
Frequently Asked Questions
Get answers to common questions about ENBD Duo Credit Card credit card
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