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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

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ENBD Mastercard Titanium Credit Card
Joining Fee
AED 420
Annual Fee
AED 420
Minimum Salary
AED 5,000

ENBD Mastercard Titanium Credit Card

An accessible Mastercard Titanium earning Plus Points on retail spend, with airport lounge access via the Mastercard Flight Delay Pass.

Updated Sep 2026

≈ AED 3,600 potential value / year
WebsiteVisit ENBD Mastercard Titanium Credit Card credit card website

At a glance

Fees and eligibility

Joining FeeAED 420
Annual FeeAED 420
Minimum SalaryAED 5,000
Monthly Purchase Rate
3.69%
International Transaction Fee (non-AED)
1.99%
See all fees

Rewards

CategoryEarnRate
Fuel, Utilities +5 more
0.002 points per AED
0.2%

0.002 points per AED

All other spend
0.01 points per AED
1%

0.01 points per AED

CategoryEarnRate
Fuel, Utilities +5 more
0.002 points per AED
0.2%

0.002 points per AED

All other spend
0.01 points per AED
1%

0.01 points per AED

Total rewards capped at 1,000 points a month

See all rewards

Top benefits

Airport loungeIncluded
See all benefits

Rewards

1ENBD Plus Points

per AED 100 on retail spend.

Earn 1 Plus Point per AED 100 on general retail spend, 0.4 on supermarkets, grocery, insurance and car dealerships, and 0.2 on fuel, utilities, real estate and education.

See full breakdown

Rewards Calculator

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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

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Eligibility

21

Minimum Age

5,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, 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 756
Lifestyle

Merchant

Fairmont Fujairah Beach Resort

10% off on best room rates on standard rooms and 20% off on suite categories </br> 20%…

Valid until 15 Oct 2026
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Merchant

SensAsi, Miramar Al Aqah Beach Resort, Fujairah

15% off on total bills

Valid until 15 Oct 2026
View offer
Lifestyle

Merchant

Sofitel Abu Dhabi Corniche

12% off on best room rates and 5% off on wedding and social events</br> 20% off on F&B…

Valid until 15 Oct 2026
View offer
Lifestyle

Merchant

خصم 20% على إجمالي الفاتورة

Kiyi, Fairmont Ajman

Valid until 15 Oct 2026
View offer

Additional Benefits

Airport Lounge Access

Complimentary lounge access on flight delay

One lounge visit each time a registered flight is delayed by 1 hour or more, via Mastercard Flight Delay Pass. Register the flight in the Travel Pass app 24 hours before departure; supplementary cardholders register separately.

Bon Appétit Dining

Exclusive Bon Appétit dining privileges

Bon Appétit dining privileges.

Salik Auto Top-up

Automatic Salik balance top-up

Automatic top-up of the cardholder's Salik toll account when the balance runs low, extendable to supplementary cardholders.

Fees

420AED

Joining Fee

420AED

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 Pro1.04%*

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

Important Stuff

Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ENBD Mastercard Titanium Credit Card credit card

The current KFS lists standard joining and renewal fees of AED 420 each. The product page advertises a no-fee offer without publishing its conditions.

You need a minimum monthly salary of AED 5,000, must be at least 21 years old, and must be a UAE resident to qualify. Emirates NBD may also request UAE residency documents such as an Emirates ID, passport copy, salary certificate or bank statements, and a security cheque as part of the application. There's no separate minimum credit limit requirement listed for this card.

General retail spend earns 1 ENBD Plus Point per AED 100. Supermarkets, grocery, insurance and car dealerships earn 0.4 point; fuel, utilities, real estate and education earn 0.2 point. The cap is 1,000 points per statement.

The card includes complimentary lounge access via Mastercard Flight Delay Pass when your registered flight is delayed by 1 hour or more; register the flight in the Mastercard Travel Pass app at least 24 hours before departure.

The card includes Bon Appétit dining privileges. Cardholders can also set up automatic Salik toll top-ups, which can be extended to supplementary cardholders.

Yes. The card supports automatic Salik toll account top-ups, so your balance replenishes without manual recharging. The feature can be extended to supplementary cardholders as well.

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