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% elsewhere; (2) AED 500 welcome bonus for new customers spending AED 5,000 in the first two months; (3) buy-one-get-one Reel Cinemas tickets, up to 2 free (4 total) monthly with AED 3,500 spend in the month of use; (4) a free 1-year noon One membership (unlimited free delivery, 50% off renewal); (5) no joining or annual fee; (6) Bon Appetit dining and LiveWell discounts; (7) Visa Platinum purchase protection and extended warranty.

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.

Check your basic eligibility on Kredit in two minutes. We'll confirm 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. Emirates NBD's own special-features sheet for this card lists every benefit it carries — noon Credits tiers, the noon One membership, cinema tickets — and does not include lounge access, Visa Airport Companion, or DragonPass anywhere. The Visa Airport Companion programme's own eligible-card list is limited to ENBD's Signature and Infinite tier products, such as the Skywards Infinite or Visa Infinite card.

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.

Depends how much spend goes through Noon. noon One earns 20% on noon Food but just 1% elsewhere (0.3% on telecom, insurance, groceries, utilities, government). Flat cashback cards beat that on non-Noon spend — Liv Cashback+ up to 4%, SIB Cashback 10% online (AED 300/month cap).

noon One wins decisively on noon Food (20%); on noon.com shopping (5%) it's closer, with SIB's 10% online rate often ahead. It pays off for noon Food-heavy spend; otherwise a flat cashback card usually wins with real cash, not noon Credits.