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

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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.

Kredit

Privacy PolicyTerms of Service
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.

Kredit

Privacy PolicyTerms of Service

Get notified about UAE latest credit card products

Get notified about UAE latest credit card products

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ENBD SHARE Platinum Credit Card

Joining Fee

Free

Annual Fee

Free

Minimum Salary

AED 5,000

Back to cards

ENBD SHARE Platinum Credit Card

The ENBD SHARE Platinum Credit Card is a free-for-life Majid Al Futtaim rewards card with 4% back as SHARE Points across SHARE malls and Carrefour, plus VOX Cinemas movie offers.

WebsiteVisit ENBD SHARE Platinum Credit Card credit card website

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

0 AED
Per Year

You can earn this amount based on your monthly spends per category.

CARREFOUR, AL FUTTAIM DESTINATIONS
GROCERY, INSURANCE, AUTOMOTIVE
FUEL, TRANSPORTATION +5 MORE
OTHER SPENDS

Additional Benefits

VOX Cinemas offer

Buy 1 get 1 free movie tickets.

Book online on VOX Cinemas website or app and pay with the card. Minimum spend criteria applies.

See full breakdown

Instant SHARE redemption

Redeem SHARE Points at over 5,000 stores.

Redeem through SHAREPay, in-store SHARE ID scan, online at Majid Al Futtaim brands, or digital mall gift cards in the SHARE app.

See full breakdown

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.

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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

Eligibility

21

Minimum Age

5,000AED

Minimum Income

UAE residency documents

Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.

Fees

Free

Joining Fee

Free

Annual Fee

3.49%

Monthly Purchase Rate

KFS states purchase APR may be up to 41.88% per annum, equivalent to 3.49% 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 Pro0.99%*

*Monthly premium on the credit card outstanding balance when enrolled.

Important Stuff

Key Facts Statement

Opens in a new tab

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 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
FAB SHARE Platinum Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB SHARE Platinum Credit Card

Salary: AED 5,000+

No Annual Fee

4% at malls & Carrefour

1% international

2-for-1 VOX monthly

ExploreLearn more about FAB SHARE Platinum Credit Card credit card benefits and featuresApplyApply for FAB SHARE Platinum Credit Card credit card

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

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ENBD U By Emaar Signature Credit Card Design

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ENBD U By Emaar Signature Credit Card

Min Salary: AED 12,000

Joining Fee: AED 525

Annual Fee: AED 262.50

6.25% cashback on Emaar spends

U By Emaar Gold Status

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ENBD Skywards Signature Credit Card Design

EMIRATES NBD

ENBD Skywards Signature Credit Card

Salary: AED 12,000+

Joining Fee: AED 1,573.95

Annual Fee: AED 735

Earn 40,000 bonus Skywards Miles.

1.5 Skywards Miles per USD on Emirates, flydubai

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ENBD Duo Credit Card

Salary: AED 12,000+

Annual Fee: AED 840

5% rewards on grocery, utilities, telecom & fuel

0.5% on other spends

Unlimited airport lounge access worldwide

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ENBD U By Emaar Infinite Credit Card

Salary: AED 30,000+

Joining Fee: AED 2,625

Annual Fee: AED 1,575

Welcome Offer: Up to 25,000 UPoints

U By Emaar Platinum Status

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ENBD U By Emaar Family Credit Card

Salary: AED 5,000+

No Annual Fee

1% cashback on all spends

5% cashback on Emaar spends

Buy 1 Get 1 Free Movie Tickets.

ExploreLearn more about ENBD U By Emaar Family Credit Card credit card benefits and features
ENBD Skywards Infinite Credit Card Design

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ENBD Skywards Infinite Credit Card

Salary: AED 30,000+

Joining Fee: AED 3,148.95

Annual Fee: AED 1,575

Bonus: Up to 100,000 Skywards Miles

Complimentary Emirates Skywards Silver membership

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

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ENBD Voyager World Elite Credit Card

Salary: AED 25,000+

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

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Salary: AED 12,000+

No Annual Fee

Welcome Offer: 75,000 Voyager Miles

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3 Voyager Miles on every AED spent on other travel bookings

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Salary: AED 50,000+

Annual Fee: AED 2,625

Welcome Offer: up to 25,000 Darna Points

10% back as Darna Points on all Aldar spends

Complimentary Darna Invite only membership

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ENBD SHARE Infinite Credit Card Design

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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

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Salary: AED 12,000+

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6% cashback with Al Futtaim brands

1% cashback on other spends

Welcome bonus: 5,000 SHARE Points

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Salary: AED 30,000+

Annual Fee: AED 1,575

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10% cashback on all spends at Aldar destinations

Complimentary Darna Platinum tier status

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Salary: AED 12,000+

Annual Fee: AED 300

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7.5% cashback on all spends at Aldar destinations

Complimentary Darna Gold tier status

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Salary: AED 5,000+

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6.25% cashback on all spends at Aldar destinations

0.75% cashback on spends at non-Aldar locations.

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Salary: AED 30,000+

Annual Fee: AED 1,575

Up to 2 Points per AED 100 spent

Unlimited lounge access for self + 1 guest.

Complimentary Golf Access in the UAE.

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Salary: AED 12,000+

Annual Fee: AED 420

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30% discount at 2,000+ UAE restaurants

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Salary: AED 5,000+

No Annual Fee

Earn LuLu Points: Up to 3.5% cashback.

0% Balance Transfer - No Fees

Complimentary Lounge Access: 10+ lounges.

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Salary: AED 5,000+

No Annual Fee

5 points per AED 400 weekend spend

Use Card as Nol Card.

Free Rides on Dubai Ferry

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ENBD Mastercard Platinum Credit Card

Salary: AED 12,000+

No Annual Fee

Unlimited lounge access

30% discount at 2000+ restaurants

40% discount at golf courses worldwide

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

Salary: AED 5,000+

Joining Fee: AED 525

Annual Fee: AED 525

Up to AED 1,000 travel vouchers.

Up to 15% Dnata Points on spends

ExploreLearn more about ENBD Dnata Platinum Credit Card credit card benefits and features
ENBD Webshopper Credit Card Design

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ENBD Webshopper Credit Card

Salary: AED 5,000+

No Annual Fee

1 Point per AED 200 spent

Interest-free Period: Up to 55 days.

Exclusive for Online Shopping

ExploreLearn more about ENBD Webshopper Credit Card credit card benefits and features
ENBD Dnata World Credit Card Design

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ENBD Dnata World Credit Card

Salary: AED 20,000+

Joining Fee: AED 1,048.95

Annual Fee AED 1,048.95

Welcome Offer: Up to AED 2,500 travel vouchers

Earn 15% dnata Points on dnata spends.

ExploreLearn more about ENBD Dnata World Credit Card credit card benefits and features
ENBD Mastercard Titanium Credit Card Design

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ENBD Mastercard Titanium Credit Card

Minimum Salary AED 5,000

No Annual Fee

AED 60,000 Job Loss Cover for 12 months

Lounge access at 10+ regional airports.

Exclusive travel and shopping deals.

ExploreLearn more about ENBD Mastercard Titanium Credit Card credit card benefits and features
ENBD Visa Flexi Credit Card Design

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ENBD Visa Flexi Credit Card

Min Salary: AED 12,000

No Annual Fee

1.5% Rewards on retail spends

Lounge Access Included

30% discount at 2,000+ restaurants

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ENBD Marriott Bonvoy World Elite Design

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ENBD Marriott Bonvoy World Elite

Salary: AED 25,000+

Annual Fee: AED 1,575

Welcome Bonus: Up to 150,000 Points

6 points per US$1 at Marriott hotels

Gold Elite Status with Marriott

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5 points per AED 200 on weekends

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Free Rides on Dubai Ferry

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