Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 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.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 12,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD Mastercard Platinum Credit Card expects AED 12,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 829View offer
Restaurants
Merchant
360 restaurant
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
90 Centigrade Café
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
Al Dana
20% off on total bill
Valid until 31 Jul 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.
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.
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 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
EMIRATES NBD
ENBD U By Emaar Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 2,625
Annual Fee: AED 1,575
Welcome Offer: Up to 25,000 UPoints
U By Emaar Platinum Status
EMIRATES NBD
ENBD U By Emaar Family Credit Card
Salary: AED 5,000+
No Annual Fee
1% cashback on all spends
5% cashback on Emaar spends
Buy 1 Get 1 Free Movie Tickets.
Related Collections
