Earn 4% back at Carrefour and Majid Al Futtaim.

Spend at Carrefour and Majid Al Futtaim brands (including MAF malls, VOX Cinemas, Magic Planet and partner brands) earns 4% back as SHARE Points. Most other UAE retail and online spend earns 0.75%, with groceries outside Carrefour, insurance and automotive at a reduced rate, and fuel, transport, utilities, government, education and telecom at the lowest tier.

SHARE Points accrue automatically. 10 SHARE Points equal AED 1 in value and can be redeemed at Carrefour checkouts, VOX Cinemas and Majid Al Futtaim mall partners. There is no minimum redemption and points apply directly at the till.

25,000 SHARE Points per month, equal to AED 2,500 in value. Once your total points in a month hit that cap, additional spend earns no further points until the cap resets at the start of the next month.

Yes. Emirates NBD lists both the joining fee and annual fee as free, with no waiver condition tied to a spend threshold. The card stays free for as long as you hold it.

AED 5,000 monthly salary credited to a UAE bank account, alongside a valid Emirates ID and residence visa. Have your salary certificate or a recent 3-month bank statement ready at submission.

Yes — Carrefour purchases earn the 4% SHARE Points rate whether in-store or via Carrefour's app and website, subject to the shared monthly points cap. Earnings are calculated on the net amount charged to the card after any Carrefour-side discounts or vouchers.