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AboutBlogBanksCalculatorsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Best ENBD SHARE Cards

Three ENBD SHARE tiers at Carrefour and Al Futtaim: Platinum 4% (free, AED 5k+), Signature 6% (free, AED 8k+), Infinite 8% (AED 1,575/yr, AED 30k+).

See cards
ENBD SHARE Signature Credit Card Design

EMIRATES NBD

ENBD SHARE Signature Credit Card

6% cashback with Al Futtaim brands

1% cashback on other spends

Welcome bonus: 5,000 SHARE Points

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

4% cashback with Al Futtaim brands

0.75% cashback on other spends

ENBD SHARE Infinite Credit Card Design

EMIRATES NBD

ENBD SHARE Infinite Credit Card

Annual Fee: AED 1,575

8% cashback with Al Futtaim brands

ENBD SHARE is Emirates NBD's rewards card for the Al Futtaim ecosystem — the group that operates Carrefour, IKEA, ACE Hardware, THAT Concept Store, Times Square Center, Marks & Spencer Food and 250+ other retail brands in the UAE. The card family has three tiers: higher salary unlocks a higher rewards rate, and two of the three tiers are completely free.

AED 5,000 Salary

Start Earning at AED 5,000 Salary

SHARE Platinum is one of the few rewards cards available from AED 5,000/month salary. No joining fee, no annual fee — just 4% back at Carrefour and every Al Futtaim brand from day one. A strong first card for new earners in the UAE.

ENBD SHARE Platinum Credit Card Design

3 cards in the UAE

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ENBD SHARE Signature Credit Card Design

EMIRATES NBD

ENBD SHARE Signature Credit Card

Salary: AED 12,000+

How to apply for an ENBD SHARE card

Follow these steps to complete your application.

1.Click 'Apply' on your chosen card — you'll be taken to the ENBD online application portal
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 — no branch visit required

Eligibility criteria

General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.

Minimum age21 years
Monthly salary — PlatinumAED 5,000
Monthly salary — SignatureAED 8,000
Monthly salary — InfiniteAED 30,000

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Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.

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Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features

Welcome bonus: 10,000 SHARE Points

ExploreLearn more about ENBD SHARE Infinite Credit Card credit card benefits and features

EMIRATES NBD

ENBD SHARE Platinum Credit Card

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features

Free for Life

Two Free SHARE Cards

SHARE Platinum and Signature are free for life — no joining fee, no annual fee, no minimum spend to keep the card active. Platinum earns 4% from AED 5,000 salary; Signature earns 6% from AED 8,000. Both are among the best free grocery rewards cards available in the UAE.

ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features
ENBD SHARE Signature Credit Card Design

EMIRATES NBD

ENBD SHARE Signature Credit Card

6% cashback with Al Futtaim brands

Premium Rewards

Infinite — Maximum Rewards at 8%

SHARE Infinite earns 8% at Carrefour and all Al Futtaim brands. AED 1,575 annual fee, no joining fee, from AED 30,000 salary. The fee pays for itself at approximately AED 1,650/month in Al Futtaim spending — above that, Infinite earns more net value than any other SHARE tier.

ENBD SHARE Infinite Credit Card Design

EMIRATES NBD

ENBD SHARE Infinite Credit Card

Annual Fee: AED 1,575

8% cashback with Al Futtaim brands

Welcome bonus: 10,000 SHARE Points

ExploreLearn more about ENBD SHARE Infinite Credit Card credit card benefits and features

Why choose ENBD SHARE Cards

1.

Up to 8% at Carrefour

Earn tiered rewards at every Carrefour format in the UAE — Hypermarkets, Carrefour Market, and Carrefour Express.

2.

250+ Al Futtaim brands covered

The same rewards rate applies at IKEA, ACE Hardware, Times Square Center, THAT Concept Store, Toys 'R' Us, Marks & Spencer Food, and every Al Futtaim-managed outlet.

Free tier or paid tier?

1.

Salary AED 5,000–7,999 → Platinum (only option)

At this salary band, SHARE Platinum is your entry point. 4% back at Carrefour is still one of the better free grocery rewards rates in the UAE — better than most flat-rate cards.

2.

Salary AED 8,000–14,999 → Signature is the clear pick

Signature earns 6% for free. At AED 2,000/month Carrefour spend that's AED 120/month in rewards — AED 1,440/year — with zero fee. There's no scenario at this salary where Platinum beats Signature.

3.

Salary AED 30,000+ and Carrefour spend below AED 1,650/month → still Signature

Even if you qualify for Infinite, below ~AED 1,650/month Al Futtaim spend the Signature card's 6% (free) outperforms Infinite's 8% (AED 1,575 fee) on net annual value.

4.

Salary AED 30,000+ and Carrefour spend above AED 1,650/month → Infinite pays off

At AED 2,000/month spend: Infinite earns AED 1,920/year vs Signature's AED 1,440/year — net gain of AED 345 after the fee. At AED 3,000/month spend the gain is AED 1,080/year. The higher you spend, the more Infinite earns over Signature.

Your Carrefour and Al Futtaim household spend

Adjust your monthly spending to see how cashback changes across cards.

ENBD SHARE Platinum Credit Card

Emirates NBD

ENBD SHARE Platinum Credit Card

SHARE Points
ENBD SHARE Infinite Credit Card

Emirates NBD

ENBD SHARE Infinite Credit Card

SHARE Points
Carrefour, Al Futtaim Destinations
4%
AED 0
4% · AED 0
Carrefour, Al Futtaim Destinations
8%
AED 0
8% · AED 0
Grocery, Insurance, Automotive
0.19%
AED 0
0.19% · AED 0
Grocery, Insurance, Automotive
0.38%
AED 0
0.38% · AED 0
Fuel, Transportation +5 more
0.07%
AED 0
0.07% · AED 0
Fuel, Transportation +5 more
0.15%
AED 0
0.15% · AED 0
Other Spends
0.75%
AED 0
0.75% · AED 0
Other Spends
1.5%
AED 0
1.5% · AED 0
Annual Fee
Free
Annual Fee
– AED 1,575
Total
+ AED 0
Total
– AED 1,575

Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.

No Annual Fee

6% cashback with Al Futtaim brands

1% cashback on other spends

Welcome bonus: 5,000 SHARE Points

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
ENBD SHARE Platinum Credit Card Design

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

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features
ENBD SHARE Infinite Credit Card Design

EMIRATES NBD

ENBD SHARE Infinite Credit Card

Salary: AED 30,000+

Joining Fee: AED 1,575

Annual Fee: AED 1,575

8% cashback with Al Futtaim brands

Welcome bonus: 10,000 SHARE Points

ExploreLearn more about ENBD SHARE Infinite Credit Card credit card benefits and features
ResidencyUAE resident with valid Emirates ID and residence visa
EmploymentSalaried employee (self-employed eligibility varies — confirm with ENBD)
Credit historyAECB credit check is performed; a clean record improves approval chances
Minimum age21 years
Monthly salary — PlatinumAED 5,000
Monthly salary — SignatureAED 8,000
Monthly salary — InfiniteAED 30,000
ResidencyUAE resident with valid Emirates ID and residence visa
EmploymentSalaried employee (self-employed eligibility varies — confirm with ENBD)
Credit historyAECB credit check is performed; a clean record improves approval chances

Salary and eligibility requirements are subject to change. Always verify the latest key facts statement and eligibility criteria 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 ENBD SHARE Cards in the UAE

ENBD SHARE is a family of three Emirates NBD credit cards that earn rewards at Carrefour and Al Futtaim stores. The three tiers differ only in rewards rate and salary requirement: Platinum (4%, free, from AED 5,000), Signature (6%, free, from AED 8,000), Infinite (8%, AED 1,575/year, from AED 30,000). You apply for the tier you qualify for — there is no automatic upgrade.

Rewards apply at all Carrefour formats (Hypermarkets, Carrefour Market, Carrefour Express) and at more than 250 Al Futtaim-operated or -managed brands across the UAE including IKEA, ACE Hardware, Times Square Center, THAT Concept Store, Toys 'R' Us, Marks & Spencer Food, and Borders. Spending outside this network does not earn the headline SHARE rewards rate — confirm standard earn rates with ENBD for non-Al Futtaim spending.

Yes. The published cap is 25,000 SHARE Points per month on Platinum, 50,000 on Signature, and 100,000 on Infinite. At 10 SHARE Points = AED 1, that's AED 2,500 / AED 5,000 / AED 10,000 of SHARE-point value per month respectively. The cap binds at very high Al Futtaim spend — at 8% on Infinite, you reach the 100,000-point cap at around AED 12,500 of partner spend in a month.

It depends on your monthly Al Futtaim spend. At 6% (Signature, free) vs 8% (Infinite, AED 1,575/year), the break-even point is approximately AED 1,650/month. Below that, Signature wins on net annual rewards. Above it, Infinite earns more — at AED 2,500/month the Infinite net gain over Signature is approximately AED 1,050/year after accounting for the fee.

No. Emirates NBD typically allows one active credit card per product family per customer. You can hold one ENBD SHARE card alongside other non-SHARE credit cards, but you cannot hold Platinum and Signature simultaneously. To move to a higher tier, apply for the new card and close the existing one.

SHARE rewards are issued as SHARE Points credited to your card account. Points can be redeemed for statement credit or spent at Carrefour and Al Futtaim outlets. Confirm the current redemption options and any point expiry conditions with ENBD at the time of application.

ENBD SHARE Signature at 6% free and Infinite at 8% are among the highest Carrefour-specific rewards rates in the UAE. FAB SHARE Signature also earns 6% at Carrefour. For general grocery (not exclusively Carrefour), Liv Tamayaz World earns 10% at Union Coop. Check the Carrefour preset page for the full comparison.

Online Carrefour purchases typically qualify for SHARE rewards, but confirm with ENBD whether carrefouruae.com and the Carrefour app are treated the same as in-store transactions under the current programme terms.

More ENBD Cards

ENBD noon One Visa Credit Card Design

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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Darna Visa Infinite Credit Card Design

EMIRATES NBD

ENBD Darna Visa Infinite Credit Card

Salary: AED 30,000+

ENBD Darna Visa Signature Credit Card Design

EMIRATES NBD

ENBD Darna Visa Signature Credit Card

Salary: AED 12,000+

ENBD Darna Select Visa Credit Card Design

EMIRATES NBD

ENBD Darna Select Visa Credit Card

Salary: AED 5,000+

No Annual Fee

ENBD Darna Infinite Privilege Credit Card Design

EMIRATES NBD

ENBD Darna Infinite Privilege Credit Card

Salary: AED 50,000+

Annual Fee: AED 2,625

ENBD Voyager World Credit Card Design

EMIRATES NBD

ENBD Voyager World Credit Card

Salary: AED 12,000+

ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Salary: AED 25,000+

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1% cashback on other spends

Welcome bonus: 5,000 SHARE Points

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features

Annual Fee: AED 1,575

Welcome bonus: 7,500 Darna Points on payment of annual fee

10% cashback on all spends at Aldar destinations

Complimentary Darna Platinum tier status

ExploreLearn more about ENBD Darna Visa Infinite Credit Card credit card benefits and features

Annual Fee: AED 300

Welcome bonus: 3,000 Darna Points on payment of annual fee

7.5% cashback on all spends at Aldar destinations

Complimentary Darna Gold tier status

ExploreLearn more about ENBD Darna Visa Signature Credit Card credit card benefits and features

6.25% cashback on all spends at Aldar destinations

0.75% cashback on spends at non-Aldar locations.

Complimentary Darna Silver tier status

ExploreLearn more about ENBD Darna Select Visa Credit Card credit card benefits and features

Welcome Offer: up to 25,000 Darna Points

10% back as Darna Points on all Aldar spends

Complimentary Darna Invite only membership

ExploreLearn more about ENBD Darna Infinite Privilege Credit Card credit card benefits and features

No Annual Fee

Welcome Offer: 75,000 Voyager Miles

6 Voyager Miles on every AED spent on Voyager Travel Portal

3 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features

No Annual Fee for the first year

Welcome Offer: 150,000 Voyager Miles

12 Voyager Miles on every AED spent on Voyager Travel Portal

6 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features