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.
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.
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EMIRATES NBD
ENBD noon One Visa Credit Card
≈ AED 24,776 potential value / year · incl. perks · incl. welcome bonus
4.1/5
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
≈ AED 15,268 potential value / year · incl. perks
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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 |
 | Free | Free | AED 5,000 | 5% back on Emaar (Dubai Mall, hotels), unlimited Reel Cinemas BOGO tickets, 1% everywhere else |
 | Free | Free | AED 5,000 | Up to 3.5% back at LuLu, 10+ airport lounge visits, 0% balance transfer with no processing fee |
| 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 |
| Free | Free | AED 5,000 | 5% back on Emaar (Dubai Mall, hotels), unlimited Reel Cinemas BOGO tickets, 1% everywhere else |
| Free | Free | AED 5,000 | Up to 3.5% back at LuLu, 10+ airport lounge visits, 0% balance transfer with no processing fee |
ENBD noon One Visa Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
Highlight20% back on noon Food, 10% on NowNow, 5% on noon and Namshi — plus AED 500 welcome bonus
ENBD SHARE Platinum Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
Highlight4% back at Carrefour and all Al Futtaim brands, VOX Cinemas buy-one-get-one tickets
ENBD U By Emaar Family Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
Highlight5% back on Emaar (Dubai Mall, hotels), unlimited Reel Cinemas BOGO tickets, 1% everywhere else
ENBD Lulu 247 Titanium Credit Card
Joining feeFree
Annual feeFree
Min. salaryAED 5,000
HighlightUp to 3.5% back at LuLu, 10+ airport lounge visits, 0% balance transfer with no processing fee
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
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
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
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 / noon Minutes / Namshi / supermall
5%
AED 0
5% · AED 0
noon / noon Minutes / 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
Airport Lounge Access
—
Airport Lounge Access
—
Reel Cinemas BOGO
—
Reel Cinemas BOGO
—
Free noon One membership
AED 144
Free noon One membership
—
Annual Fee
Free
Annual Fee
Free
Total
+ AED 144
Total
+ AED 0
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
4 cards in the UAE
4.1/5
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 SHARE Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 4% cashback with Al Futtaim brands
- 0.75% cashback on other spends
- Buy 1 get 1 movie ticket at VOX Cinemas
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.
EMIRATES NBD
ENBD Lulu 247 Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Earn LuLu Points: Up to 3.5% cashback.
- 0% Balance Transfer - No Fees
- Complimentary Lounge Access: 10+ lounges.
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 | UAE resident with a valid Emirates ID and residence visa |
| Credit history | AECB credit check is performed; a clean record strengthens approval |
| Documents | Emirates ID, passport, and recent salary certificate or 3-month bank statement |
| 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 | UAE resident with a valid Emirates ID and residence visa |
| Credit history | AECB credit check is performed; a clean record strengthens approval |
| Documents | Emirates ID, passport, and recent salary certificate or 3-month bank statement |
Eligibility and salary thresholds may change. Always confirm the latest key facts statement with Emirates NBD before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Free ENBD Credit Cards in the UAE
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