Best ENBD Rewards Points Credit Cards

Start with annual fee and minimum salary, then compare reward rates, monthly caps, and exclusions. Use the card detail page for full terms before applying.

ENBD can update fees, rewards, and offer terms. Review the latest key facts statement before you apply.

Eligibility still depends on your profile and the bank's final credit checks.

The best Emirates NBD card depends on your spend. For Carrefour and Al Futtaim shoppers, ENBD SHARE Signature (free for life, AED 8,000 salary) earns 6% back. For Skywards Miles earners, ENBD Skywards Infinite is the premium pick. For cashback, the Liv Cashback family (Liv is ENBD's digital bank) offers the best free-for-life entry from AED 5,000.

Emirates NBD offers a family of Emirates Skywards co-branded cards earning Skywards Miles on every spend. The Skywards Signature and Skywards Infinite tiers include miles bonuses on Emirates flights, premium travel cover, and (on Infinite) unlimited lounge access. Minimum salary ranges from AED 12,000 (Signature) to AED 25,000+ (Infinite).

ENBD SHARE Platinum and SHARE Signature are free-for-life with no annual or joining fee. Among Liv (Emirates NBD's digital bank) cards, Liv Cashback is also free-for-life from AED 5,000 salary. Free-for-life means no annual fee for the life of the card, with no minimum spend required to retain the fee waiver.

Emirates NBD Platinum is a mid-tier card with airport lounge access selected through the LoungeKey programme, multi-currency wallet, and standard rewards. Minimum salary is typically AED 8,000-12,000 depending on the variant (e.g. ENBD Platinum, ENBD Titanium, ENBD U by Emaar Signature).

ENBD U by Emaar Duo is a dual-card combo (debit + credit) tied to the Emaar ecosystem. It earns Upoints on Emaar spend (Dubai Mall, Marina Mall, Emaar Hospitality) and converts to dirham-equivalent value. Minimum salary varies by tier.

Yes. Emirates NBD offers a range of business credit cards including Business Platinum, Business Signature, and Business Infinite — designed for SMEs with expense management features, employee cards, and tailored rewards. Minimum monthly company turnover requirements apply.

You can apply through the Emirates NBD website (emiratesnbd.com), the ENBD mobile app, or via the Liv app for Liv cards. Required documents typically include Emirates ID, residence visa, salary certificate or 3-6 months of bank statements, and proof of address.

ENBD credit card interest rates are capped at 3.45% per month (the UAE Central Bank limit). The standard finance charge published in ENBD's Schedule of Fees is typically around 3.25% per month for UAE Nationals. Refer to your card's specific Schedule of Fees on emiratesnbd.com for the current rate.