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Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

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AboutBlogBanksCalculatorsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

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ENBD Duo Credit Card

Joining Fee

AED 840

Annual Fee

AED 840

Minimum Salary

AED 12,000

Back to cards

ENBD Duo Credit Card

A dual-card package combining Diners Club and Mastercard Platinum, offering 5% rewards on grocery, electronics, utilities, telecom, education and fuel. Exclusively for Abu Dhabi residents.

WebsiteVisit ENBD Duo Credit Card credit card website

Welcome offer

YouGotaGift Voucher

Up to AED 400 YouGotaGift voucher

Redeemable across brands in the UAE. Subject to terms and conditions.

See full breakdown

Rewards

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 breakdown

Rewards Calculator

0 AED
Per Year

You can earn this amount based on your monthly spends per category.

GROCERY, ELECTRONICS +4 MORE
REAL ESTATE
OTHER SPENDS

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.

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, telecom, education and fuel. If the minimum is not met, you earn 1.5% Plus Points on those categories instead.

The maximum Plus Points per statement is capped at 500 points.

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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 breakdown

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.

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.

Eligibility

21

Minimum Age

12,000AED

Minimum Income

Abu Dhabi Residents Only

This card is exclusively available for Abu Dhabi residents

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

Important Stuff

Key Fact Statement

Opens in a new tab

Credit Card Fees & Charges

Opens in a new tab

Annual Fee: AED 420

Earn Plus Points on spending.

Unlimited airport lounge access worldwide

30% discount at 2,000+ UAE restaurants

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Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months

Get 20% back as noon credits when you spend on noon food

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1.5 Skywards Miles per USD on Emirates, flydubai

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6 Voyager Miles on every AED spent on other travel bookings

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Salary: AED 5,000+

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Up to 15% Dnata Points on spends

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Salary: AED 5,000+

No Annual Fee

1 Point per AED 200 spent

Interest-free Period: Up to 55 days.

Exclusive for Online Shopping

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Salary: AED 20,000+

Joining Fee: AED 1,048.95

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AED 60,000 Job Loss Cover for 12 months

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