Lifestyle
Merchant
Radisson Hotel Andermatt
20% off the non-member flex rate
Valid until 30 Aug 2026
- Joining Fee
- Free
- 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 and Careem ride discounts.
≈ AED 4,336 potential value / year · incl. perks
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
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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 837View offer
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
Entertainment
Merchant
Just Padel
Just Padel Kite Beach
Valid until 31 Aug 2026
Additional Benefits
Airport Lounge Access
4 complimentary lounge visits per year
No minimum spend requiredComplimentary 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.
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
Frequently Asked Questions
Get answers to common questions about ENBD Mastercard Titanium Credit Card credit card
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