Emirates NBD noon One Visa Credit Card

The Emirates NBD noon One Visa Credit Card is a co-branded credit card that earns noon Credits on every spend. It pays 20% back on noon Food, 10% on noon NowNow, 5% on noon, Namshi and supermall, and 1% on most other spends — credited as noon Credits redeemable across the noon ecosystem. The card has no annual fee and a AED 5,000 minimum salary requirement.

Headline benefits: (1) up to 20% back as noon Credits on noon Food, 10% on NowNow, 5% on noon/Namshi/supermall, 1% on other spends; (2) AED 500 welcome bonus for new-to-card customers who spend AED 5,000 in the first two months; (3) buy-one-get-one VOX Cinemas tickets up to 3 per month at AED 3,500+ monthly spend; (4) free for life — no joining fee, no annual fee; (5) Bon Appetit dining offers and LiveWell fitness/wellness discounts.

You can earn up to AED 2,000 in noon Credits per month across all eligible spends combined. Once you hit the cap in a calendar month, further spends in that month do not earn additional noon Credits. The cap resets at the start of each new month.

noon Credits accrue automatically on eligible spends and are credited to your noon wallet, typically within a few days of the statement cycle. 1 noon Credit equals AED 1 in face value and can be applied at checkout across the noon ecosystem (noon.com, noon Food, noon NowNow, Namshi, supermall). Credits do not convert to cash or statement credit.

The minimum salary is AED 5,000 per month. You also need to be a UAE resident aged 21+ with a clear AECB credit history. Final approval is subject to Emirates NBD's underwriting checks.

No. Emirates NBD lists both the joining fee and the annual fee as free — the card is free for life, with no waiver condition or spend threshold required.

New-to-card customers earn AED 500 in noon Credits when they spend AED 5,000 on the card within the first two months from card issuance. The bonus is credited to your noon wallet after the spend condition is met. Existing Emirates NBD credit card holders may not be eligible.

Pre-apply on Kredit in two minutes — we'll confirm you meet the AED 5,000 salary, UAE residency, and age requirements, then route you to the Emirates NBD application. You'll be asked for your Emirates ID, passport, salary certificate or recent bank statements, and salary account IBAN. Approval typically takes 3–7 working days.

After delivery, activate via the Emirates NBD Mobile Banking app (recommended), Online Banking, the Phone Banking line on the card sticker, or by visiting a branch. You'll be prompted to set a PIN before the first transaction. The card needs to be activated before any noon Credits can be earned.

No. The noon One card is a no-annual-fee Visa Platinum tier and does not include complimentary lounge access. For lounge access, look at higher-tier ENBD products such as the Skywards Infinite or a Visa Infinite card with Priority Pass.

20% applies to noon Food (food-delivery orders). 10% applies to NowNow (noon's grocery/quick-commerce service). 5% applies to noon, Namshi and supermall. 1% applies to most other UAE spends. Reduced 0.3% applies to telecom, entertainment, insurance, automotive, grocery, real estate, education, government and utilities. All earnings count toward the shared AED 2,000/month noon Credits cap.

Yes. There is no joining fee, no annual fee, and no spend-based waiver condition. You will pay standard charges only if you carry a balance (interest), make foreign-currency transactions, or use cash advances — those fees apply to all UAE credit cards.

It depends how much of your spend actually goes through Noon. noon One's 20% noon Food rate is the strongest platform-specific rate in the UAE, but everything outside the noon ecosystem earns just 1% (0.3% on categories like telecom, insurance, groceries, education, utilities, entertainment and government). Flat cashback cards generally earn more on non-Noon spend: Liv Cashback earns up to 2% and Liv Cashback+ up to 4% on most spend (both step down to 0.1% on government, utilities, travel and transportation), while SIB Cashback earns 10% on online and digital-wallet spend up to a AED 300/month cap (lower rates apply to specific merchant categories and overseas spend).

AED 1,000/month on noon Food earns AED 200/month as noon Credits versus roughly AED 20-40/month on a flat cashback card — noon One wins decisively there. But the same AED 1,000 spent on noon.com general shopping earns AED 50 (5%) versus up to AED 40 on Cashback+'s top tier or AED 100 on SIB's 10% online rate (both comfortably under their caps) — a much closer contest, with SIB coming out ahead. noon One earns its keep for noon Food-heavy households; once your spend shifts to general marketplace shopping or outside noon altogether, a flat cashback card starts closing the gap or winning outright — and its rewards land as real cash rather than noon Credits locked to the noon ecosystem.