Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 2026
ENBD Mastercard Titanium Credit Card
An accessible Mastercard Titanium earning Plus Points on retail spend, with airport lounge access and Careem ride discounts. Also includes Mastercard Buy 1 Get 1 dining and leisure offers.
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 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD Mastercard Titanium Credit Card expects AED 5,000+ 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.
Rewards
1ENBD Plus Points
per AED 100 on retail spend.
Earn 1 Plus Point per AED 100 retail spend on all domestic and international purchases.
See full breakdownRewards 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
4 complimentary lounge visits per year
Complimentary airport lounge access, illustrated at 4 uses per year in the bank's value chart.
Mastercard Buy 1 Get 1
BOGO on dining, leisure and health
Buy 1 Get 1 Free on dining, leisure and health via the Mastercard Buy 1 Get 1 App, illustrated at 3 uses per month.
Careem Discounts
20%+ off 3 rides every month
More than 20% off 3 Careem rides every month; first ride free for new Careem customers with promocode MASTERCARD.
LiveWell
Up to 50% off health & fitness
Up to 50% discount on health and fitness offers through the LiveWell programme.
Eligibility
21
Minimum Age
5,000AED
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
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 Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Important Stuff
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