ENBD Visa Flexi Credit Card

Yes. There's an AED 735 joining fee and an AED 735 annual fee. The card also carries a monthly purchase rate of 3.69% (44.28% per annum).

You need a minimum salary of AED 15,000 per month, must be at least 21 years old, and must be a UAE resident. Emirates NBD may also request Emirates ID, a passport copy, a salary certificate or bank statements, and a security cheque as part of the application.

Instead of a fixed benefits package, you pick any 6 of 11 travel, lifestyle and entertainment benefits through the Visa portal, including things like airport lounge access, Careem credits, dining offers and cinema. Once you've made your selection, it can only be changed after 12 months, so choose based on how you actually spend.

You earn up to 1.5% of your retail spend back as ENBD Plus Points, at a rate of 1.5 points per AED 100 spent. Points are capped at 500 per statement, so spending well beyond that threshold in retail categories in a single billing cycle won't earn additional points past the cap.

VOX Cinemas is one of the pre-packaged benefit options available through the card's benefit selection. It gets you 2 THEATRE tickets for AED 200 per transaction, or 4DX tickets at AED 60 each (minimum 2 per transaction, up to 4 tickets a month), plus 20% off the THEATRE à la carte menu.

This card includes the Bon Appétit dining programme, which gets you up to 30% off at 2,000+ restaurants. It's listed alongside VOX Cinemas offers, purchase insurance and easy monthly instalment plans as one of the card's benefit offerings.