Lifestyle
Merchant
Chocolate Palace
Enjoy 15% off on total bill
Valid until 16 Aug 2026
ENBD Mastercard Platinum Credit Card
A no-annual-fee Mastercard Platinum earning Plus Points on everyday spend, with unlimited airport lounge access and golf discounts. Also includes Cleartrip travel savings.
≈ AED 959 value / year · incl. perks
Welcome offer
AED 300 Voucher
AED 300 YouGotaGift voucher
Welcome offer of an AED 300 voucher from YouGotaGift, redeemable across brands in the UAE.
See full breakdownRewards
1.5ENBD Plus Points
per AED 100 on general spend.
Earn up to 1.5 Plus Points per AED 100 on general domestic and international retail spend. Capped at 500 Plus Points per statement.
See full breakdown0.4ENBD Plus Points
per AED 100 on grocery, insurance and automotive.
Supermarkets, groceries, insurance and car dealership spend earn a reduced 0.4% rate in Plus Points.
0.2ENBD Plus Points
per AED 100 on fuel, utilities, real estate and education.
Fuel, utility payments, real estate and education spend earn a reduced 0.2% rate in Plus Points.
Rewards Calculator
Eligibility
21
Minimum Age
12,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.
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
Airport Lounge Access
Unlimited access to 25+ airports worldwide
Complimentary unlimited access to over 25 airports worldwide via the Mastercard lounge programme, subject to AED 5,000 minimum monthly spend in the month of use.
See full breakdownGolf
Up to 40% off at 100+ golf courses worldwide
Up to 40% discount at 100+ golf courses worldwide, subject to AED 5,000 minimum monthly spend in the month of use.
Cleartrip Travel Discount
Up to 30% off Cleartrip bookings
Up to 30% discount on Cleartrip flight and holiday package bookings, plus airport chauffeur services.
Fees
Free
Joining Fee
Free
Annual Fee
3.69%
Monthly Purchase Rate
3.69% per month (44.28% per annum).
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 Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Important Stuff
Similar cards
EMIRATES NBD
ENBD Mastercard Titanium Credit Card
Minimum Salary AED 5,000
No Annual Fee
AED 60,000 Job Loss Cover for 12 months
Lounge access at 10+ regional airports.
Exclusive travel and shopping deals.
EMIRATES NBD
ENBD Visa Flexi Credit Card
Min Salary: AED 12,000
No Annual Fee
1.5% Rewards on retail spends
Lounge Access Included
30% discount at 2,000+ restaurants
EMIRATES NBD
ENBD Go4it Platinum Credit Card
Salary: AED 12,000+
No Annual Fee
5 points per AED 200 on weekends
Use Card as Golden Nol Card.
Free Rides on Dubai Ferry
Other credit cards from this bank
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
Salary: AED 30,000+
First year free
UAE Nationals only
Up to 25,000 welcome UPoints
7.5% value back at Emaar
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
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
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
Min Salary: AED 12,000
Joining Fee: AED 525
Annual Fee: AED 262.50
6.25% cashback on Emaar spends
U By Emaar Gold Status
EMIRATES NBD
ENBD Skywards Signature Credit Card
Salary: AED 12,000+
Joining Fee: AED 1,573.95
Annual Fee: AED 735
Earn 40,000 bonus Skywards Miles.
1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
ENBD Duo Credit Card
Salary: AED 12,000+
Annual Fee: AED 840
5% rewards on grocery, utilities, telecom & fuel
0.5% on other spends
Unlimited airport lounge access worldwide
Related Collections
