How many points do I earn?

6 Marriott Bonvoy Points per USD 1 at Marriott hotels and 3 on general domestic or international spend. Named domestic categories earn 0.75 or 0.30; EU/UK merchants earn 1.5.

What status does the card include?

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

Is there a joining fee, and what's the annual fee?

The joining fee and annual fee are each AED 1,575. The optional Express Points programme replaces the annual fee with AED 300 per month.

How does the welcome bonus work on this card?

Current issuer product and campaign pages offer up to 200,000 points: 100,000 on card activation and joining-fee payment, then 100,000 after USD 15,000 retail spend in the first three billing statements. This offer applies to cards issued between 15 September and 30 November 2026.

What do I need to qualify for this card?

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.

Does this card include airport lounge access?

Yes: 14 lounge visits or airport dining offers a calendar year via Mastercard Travel Pass, for you and one guest. Later visits need a USD 1 international transaction in the prior 3 months plus AED 5,000 spend in the month of use.

ENBD Marriott Bonvoy World Elite Benefits

At a glance

Welcome offer

Welcome bonus

Up to 200,000 Marriott Bonvoy Points

Rewards

Category	Earn	Rate
Marriott Bonvoy	1.63 points per AED	4.5% 1.63 points per AED
Grocery, Fast Food, Insurance, Car Dealers	0.204 points per AED	0.56% 0.204 points per AED
Fuel, Transportation +4 more	0.0817 points per AED	0.22% 0.0817 points per AED
All other spend	0.817 points per AED	2.25% 0.817 points per AED

Category	Earn	Rate
Marriott Bonvoy	1.63 points per AED	4.5% 1.63 points per AED
Grocery, Fast Food, Insurance, Car Dealers	0.204 points per AED	0.56% 0.204 points per AED
Fuel, Transportation +4 more	0.0817 points per AED	0.22% 0.0817 points per AED
All other spend	0.817 points per AED	2.25% 0.817 points per AED

See all rewards

Fees and eligibility

Joining FeeAED 1,575

Annual FeeAED 1,575

Minimum SalaryAED 25,000

Monthly Purchase Rate

3.25%

International Transaction Fee (non-AED)

1.99%

See all fees

Top benefits

Airport lounge

14/year

Hotel stays1/year

Golf

2/month

See all benefits

Welcome offer

Up to 200,000 Marriott Bonvoy Points

Welcome bonus of up to 200,000 Marriott Bonvoy Points.

Rewards

6Marriott Bonvoy Points

per USD 1 at Marriott Bonvoy hotels.

View offer

Additional Benefits

Marriott Bonvoy Gold Elite status

Automatic Gold Elite status plus an annual free-night award.

Airport lounge access

14 visits a year for you and one guest via Mastercard Travel Pass.

Fees

1,575AED

Joining Fee

1,575AED

Annual Fee

3.25%

Monthly Purchase Rate

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 Pro1.04%*

*Monthly premium on the credit card outstanding balance when enrolled.

Important Stuff

Key Facts Statement

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ENBD Marriott Bonvoy World Elite