Pick by your dominant spending category. If you shop on noon Food, NowNow or noon.com, the noon One earns up to 20% back. If you shop at Carrefour or other Al Futtaim brands, SHARE Platinum earns 4%. If you spend at Dubai Mall, Emaar hotels or Reel Cinemas, U By Emaar Family earns 5% and unlimited BOGO movie tickets. If you shop at LuLu, the LuLu 247 Titanium earns up to 3.5% in LuLu Points plus lounge access.
Best Free ENBD Credit Cards
Four free-for-life Emirates NBD credit cards with no annual fee and no joining fee, all eligible from AED 5,000 salary. Compare noon One for the noon ecosystem, SHARE Platinum for Carrefour and Al Futtaim cashback, U By Emaar Family for Emaar malls and Reel Cinemas, and LuLu 247 Titanium for grocery rewards and lounge access.
See cards
EMIRATES NBD
ENBD noon One Visa Credit Card
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 SHARE Platinum Credit Card
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Best Free ENBD Credit Cards compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|---|
| Free | Free | AED 5,000 | 20% back on noon Food, 10% on NowNow, 5% on noon and Namshi — plus AED 500 welcome bonus |
| Free | Free | AED 5,000 | 4% back at Carrefour and all Al Futtaim brands, VOX Cinemas buy-one-get-one tickets |
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
Why choose ENBD No Annual Fee
1.
Truly free for life
All four cards have zero annual fee and zero joining fee with no waiver condition tied to spend — rewards are pure return with no membership cost to net against.
2.
Available from AED 5,000 salary
Each card is open to UAE salaried residents earning AED 5,000+ — among the lowest entry thresholds for a rewards credit card from a major UAE bank.
3.
Pick by where you spend most
noon ecosystem, Carrefour and Al Futtaim, Emaar malls and Reel Cinemas, or LuLu groceries — each card concentrates rewards on a specific UAE retail network, so the best card depends on your actual spending habits.
What you would earn on a typical UAE monthly spend
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD noon One Visa Credit Card
noon Credits
Emirates NBD
ENBD SHARE Platinum Credit Card
SHARE Points
Al Futtaim Destinations
1%
AED 0
1% · AED 0
Al Futtaim Destinations
4%
AED 0
4% · AED 0
Carrefour
0.3%
AED 0
0.3% · AED 0
Carrefour
4%
AED 0
4% · AED 0
Noon Food
20%
AED 0
20% · AED 0
Noon Food
0.75%
AED 0
0.75% · AED 0
NowNow
10%
AED 0
10% · AED 0
NowNow
0.75%
AED 0
0.75% · AED 0
noon / Namshi / supermall
5%
AED 0
5% · AED 0
noon / Namshi / supermall
0.75%
AED 0
0.75% · AED 0
Entertainment, Quasi-Cash
0.3%
AED 0
0.3% · AED 0
Entertainment, Quasi-Cash
0.75%
AED 0
0.75% · AED 0
Insurance, Automotive +8 more
0.3%
AED 0
0.3% · AED 0
Insurance, Automotive +8 more
0.19%
AED 0
0.19% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Annual Fee
Free
Annual Fee
Free
Total
+ AED 0
Total
+ AED 0
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
4 cards in the UAE
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EMIRATES NBD
ENBD noon One Visa Credit Card
How to apply for a free ENBD credit card
Follow these steps to complete your application.
1.Click 'Apply' on your chosen card — you'll be taken to the Emirates NBD online application
2.Complete eKYC: scan your Emirates ID, passport, and pass a selfie liveness check
3.Upload your latest salary certificate or 3-month bank statement
4.Submit online and receive a decision within 24–48 hours — most approvals are issued without a branch visit
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000+ |
| Employment | Salaried employee in the UAE — self-employed eligibility varies by product, confirm with ENBD |
| Residency |
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