Best ENBD SHARE Cards

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.