ENBD Mastercard Platinum Credit Card

The August 2026 KFS lists AED 735 standard joining and renewal fees. The product page advertises no annual fees without publishing the waiver conditions. The monthly purchase rate is 3.69% (44.28% per annum).

You need a minimum monthly salary of AED 12,000. Applicants must also be at least 21 years old and a UAE resident, and Emirates NBD may ask for an Emirates ID, passport copy, salary certificate or bank statements, and a security cheque as part of the application.

The current offer is no annual fees.

You earn 1.5 Plus Points per AED 100 on general domestic and international retail spend, but that rate drops to 0.4 per AED 100 on groceries, insurance and car dealership purchases, and to 0.2 per AED 100 on fuel, utilities, real estate and education. Points are capped at 2,000 per statement, so heavy spenders in the top-earning category will hit the ceiling before earning on their full balance.

The golf discount requires AED 5,000 in card spend during the month you want to use it, plus an AED 30 processing fee per booking, for up to 40% off at 100+ golf courses worldwide. Lounge access is separate: register on the Mastercard Travel Pass app for 4 lounge visits or dining offers a calendar year at 900+ lounges, for the cardholder only.

Both earn Plus Points, but Platinum requires a higher AED 12,000 minimum salary versus AED 5,000 for Titanium. Standard KFS annual fees are AED 735 for Platinum and AED 420 for Titanium, subject to any qualifying promotional waiver. Platinum also offers richer travel perks: complimentary access to 900+ airport lounges via Mastercard Travel Pass and a 40% golf discount needing AED 5,000 monthly spend, compared to Titanium's lounge access via the Mastercard Flight Delay Pass and no golf benefit.