ENBD Marriott Bonvoy World Elite

6 Marriott Bonvoy Points per USD 1 at Marriott hotels, 3 per USD 1 internationally and 2 per USD 1 on other spend.

Automatic Marriott Bonvoy Gold Elite status plus an annual free-night award on your card anniversary.

According to the card's itemized fee schedule, the joining fee is AED 0, so there's no charge to open the account. The annual fee is AED 1,575, billed each year you hold the card. The fee schedule doesn't list a waiver condition tied to spend, so budget for the AED 1,575 annually regardless of how much you use the card.

New cardholders can earn up to 150,000 Marriott Bonvoy Points as a welcome bonus, described in the card's terms as being awarded 'on meeting the qualifying spend.' The exact spend threshold isn't broken out beyond that, so check Emirates NBD's current offer page before applying. The bonus is paid in the same Marriott Bonvoy Points currency the card earns on everyday spend.

You need a minimum monthly salary of AED 25,000 and to be at least 21 years old. Emirates NBD may also request UAE residency documents as part of the application — an Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.

Yes, it includes complimentary access to airport lounges worldwide for the cardholder. The benefits listing doesn't specify a visit cap, guest allowance, or which lounge network is used, so confirm the current terms with Emirates NBD before relying on unlimited access.