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ENBD Duo Credit Card
Joining Fee
AED 840
Annual Fee
AED 840
Minimum Salary
AED 12,000

ENBD Duo Credit Card

A dual-card package combining Diners Club and Mastercard Platinum, offering 5% rewards on grocery, electronics and fuel.

Updated Jun 2026

≈ AED 6,736 potential value / year · incl. perks
WebsiteVisit ENBD Duo Credit Card credit card website

At a glance

Fees and eligibility

Joining Fee
AED 840
Annual Fee
AED 840
Minimum SalaryAED 12,000
Monthly Interest Rate
3.69%
See all fees

Top benefits

Airport loungeUnlimited
See all benefits

Rewards

CategoryUnder AED 5,000AED 5,000+
Education, Electronics +3 more
1.5%
5%
Real Estate
0.2%
0.2%
All other spend
0.5%
0.5%
CategoryUnder AED 5,000AED 5,000+
Education, Electronics +3 more
1.5%
5%
Real Estate
0.2%
0.2%
All other spend
0.5%
0.5%

Tiers are total monthly spend on the card. Total rewards capped at AED 500 a month

See all rewards

Rewards

5%

rewards on grocery, electronics, utilities, 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, 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, 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 breakdown

Rewards Calculator

My Wallet

Already have the ENBD Duo Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

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 245
Lifestyle

Merchant

Smart Global Domestic Workers Services Center L.L.C.

10% off domestic workers recruitment fees for all available nationalities.

Valid until 11 Nov 2026
View offer
Restaurants

Merchant

Esca Restauarants DMCC

Pressman's

Valid until 12 Nov 2026
View offer
Lifestyle

Merchant

Yinyang Connection Spa

10% off on all services

Valid until 14 Nov 2026
View offer
Restaurants

Merchant

Oliwino - W Dubai The Palm

25% discount on food and beverage

Valid until 19 Nov 2026
View offer

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

Access to 1,900+ Diners Club lounges worldwide

Unlimited cardholder access through Diners Club and Mastercard lounge networks. Diners Club visits are subject to minimum spend and additional guests are charged.

Buy 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.

24/7 Concierge Service

Personal concierge for errands and bookings

Round-the-clock concierge assistance for travel bookings, restaurant reservations, and personal errands.

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

3.69%

Monthly Interest Rate

Equivalent to 44.28% per annum

241.5AED

Late Payment Fee

Over Limit FeeAED 292.95
Cash Advance Fee3.15%*

*3.15% or AED 103.95, whichever is higher

Foreign Currency Transaction Fee1.99%
Supplementary CardFree*

*Multiple supplementary cards at no additional cost

Important Stuff

Key Fact Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ENBD Duo Credit Card credit card

The ENBD Duo Credit Card is a dual-card package that includes a Diners Club card and a Mastercard Platinum credit card, both linked to the same account.

No, the ENBD Duo Credit Card is exclusively available for Abu Dhabi residents.

A minimum monthly spend of AED 5,000 per statement is required to earn the 5% Plus Points on grocery, electronics, utilities, education and fuel. If the minimum is not met, you earn 1.5% Plus Points on those categories instead.

The linked Duo account can earn at most 500 Plus Points per statement.

Yes, the standard annual fee is AED 840, matching the AED 840 joining fee. Both are currently waived as part of a limited-time promotional offer, so cardholders who sign up under this offer are not charged either fee for now.

The current offer is no annual fees.

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