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ENBD SHARE Platinum Credit Card
Joining Fee
Free
Annual Fee
Free
Minimum Salary
AED 5,000

ENBD SHARE Platinum Credit Card

Earn 4% back as SHARE Points at eligible SHARE malls and Carrefour stores.

Updated Sep 2026

≈ AED 14,532 potential value / year · incl. perks
WebsiteVisit ENBD SHARE Platinum Credit Card credit card website

At a glance

Fees and eligibility

Joining FeeFree
Annual FeeFree
Minimum SalaryAED 5,000
Monthly Purchase Rate
3.69%
International Transaction Fee (non-AED)
1.99%
See all fees

Top benefits

Cinema
2/month
See all benefits

Rewards

CategoryEarnRate
Carrefour, Majid Al Futtaim Destinations
0.4 points per AED
4%

0.4 points per AED

Grocery, Fast Food, Insurance, Car Dealers
0.019 points per AED
0.19%

0.019 points per AED

Fuel, Transportation +4 more
0.0075 points per AED
0.07%

0.0075 points per AED

All other spend
0.075 points per AED
0.75%

0.075 points per AED

CategoryEarnRate
Carrefour, Majid Al Futtaim Destinations
0.4 points per AED
4%

0.4 points per AED

Grocery, Fast Food, Insurance, Car Dealers
0.019 points per AED
0.19%

0.019 points per AED

Fuel, Transportation +4 more
0.0075 points per AED
0.07%

0.0075 points per AED

All other spend
0.075 points per AED
0.75%

0.075 points per AED

Total rewards capped at 25,000 points a month

See all rewards

Rewards

4%

back as SHARE Points at SHARE malls and Carrefour.

Earn 4% back at Mall of the Emirates, City Centre malls across the UAE, and Carrefour in-store and online.

See full breakdown

0.75%

back as SHARE Points on other retail, online and international spends.

Applies to eligible other retail, online and international spends outside higher and reduced-rate categories.

See full breakdown

0.19%

back on selected lower-rate categories.

Applies to grocery and supermarkets, fast-food restaurants, insurance, car dealerships outside SHARE, and EU spends including the UK.

See full breakdown

0.075%

back on utilities, government, telecom and similar categories.

Applies to petroleum, transit, government services, utility payments, real estate, education and telecommunication.

See full breakdown

Rewards Calculator

My Wallet

Already have the ENBD SHARE Platinum Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

Eligibility

21

Minimum Age

5,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, and a security cheque.

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

3 months of salary credits

Most banks want to see about three months of salary credited to a UAE account before approving a card.

Salary-transfer customers and applicants at preferred employers are often approved sooner. If you've just changed jobs, waiting for the third credit is the safer bet.

Offers

See all 219
Lifestyle

Merchant

Smart Global Domestic Workers Services Center L.L.C.

10% off domestic workers recruitment fees for all available nationalities.

Valid until 11 Nov 2026
View offer
Restaurants

Merchant

Esca Restauarants DMCC

Pressman's

Valid until 12 Nov 2026
View offer
Lifestyle

Merchant

Yinyang Connection Spa

10% off on all services

Valid until 14 Nov 2026
View offer
Restaurants

Merchant

Oliwino - W Dubai The Palm

25% discount on food and beverage

Valid until 19 Nov 2026
View offer

Additional Benefits

VOX Cinemas offer

Buy 1 get 1 free, up to 2 free tickets a month.

Book online on VOX Cinemas website or app and pay with the card. Requires AED 3,500 card spend in the month of use; capped at 2 free tickets per month.

See full breakdown

SHARE Points redemption

Redeem SHARE Points at over 5,000 stores.

Redeem through SHAREPay in the SHARE app, in-store SHARE ID scan, online at participating Majid Al Futtaim brands, or a mall gift card issued at a customer-service desk in a participating mall.

See full breakdown

Easy installment plans

0% plans over 3, 6, 12 or 24 months.

Installment options are available at participating merchants and may carry processing or early settlement fees.

See full breakdown

Fees

Free

Joining Fee

Free

Annual Fee

3.69%

Monthly Purchase Rate

Current KFS and fee guide state up to 44.28% per annum, equivalent to 3.69% per month.

Late Payment FeeAED 241.5*

*Charged per month if the minimum payment due is not received in full by the payment due date.

Over Limit FeeAED 292.95*

*Charged once during each billing cycle when the current balance exceeds the credit limit.

Cash Advance Fee3.15%*

*3.15% of the cash advance amount or AED 103.95, whichever is higher.

Installment ProcessingAED 51.45*

*Charged per transaction.

Installment Pre-closure1.05%*

*1.05% of principal outstanding.

International Transaction Fee (non-AED)1.99%*

*Bank currency conversion fee; network processing fees may also apply.

Foreign Currency Transaction Fee (AED abroad)1.99%*

*Applies when settling foreign currency transactions in UAE dirhams overseas.

Direct Debit Return FeeAED 105*

*Charged for returned cheque or direct debit handling.

Credit Shield Pro1.04%*

*Current fee guide rate on the credit card balance when enrolled; issuer product page still advertises 0.99%.

Important Stuff

Key Facts Statement

Opens in a new tab

SHARE Credit Card Terms and Conditions

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about ENBD SHARE Platinum Credit Card credit card

Emirates NBD states that 10 SHARE Points equal AED 1.

It earns 4% back as SHARE Points at Mall of the Emirates, City Centre malls across the UAE, and Carrefour in-store and online.

No. Emirates NBD lists the joining fee and annual fee as free.

SHARE Points can be redeemed across participating Majid Al Futtaim brands, including malls, Carrefour and other SHARE programme partners.

No. The 4% rate applies to eligible SHARE malls and Carrefour spends. Other retail, online, international and selected categories earn lower rates.

The listed minimum salary is AED 5,000. Emirates NBD may still apply additional credit and policy checks before approval.

Compare head-to-head

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ENBD SHARE Platinum Credit Card
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ENBD SHARE Platinum vs SHARE Signature

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