Restaurants
Merchant
31 Bar & Lounge
20% off on total bill
Valid until 31 Jul 2026
ENBD Visa Flexi Credit Card
A customizable Visa card that lets you choose 6 of 11 benefits, earning up to 1.5% back in Plus Points on retail spend. Also includes VOX Cinemas and dining offers.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 15,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. ENBD Visa Flexi Credit Card expects AED 15,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Rewards
1.5ENBD Plus Points
per AED 100 on all retail spend.
Earn up to 1.5% of all spends back as Plus Points on retail purchases. Capped at 500 Plus Points per statement.
See full breakdownRewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Offers
See all 829View offer
Restaurants
Merchant
360 restaurant
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
90 Centigrade Café
20% off on total bill
Valid until 31 Jul 2026
Restaurants
Merchant
Al Dana
20% off on total bill
Valid until 31 Jul 2026
Additional Benefits
Choose 6 of 11 Benefits
Customize your card's benefits
Select any 6 of 11 travel, lifestyle and entertainment benefits via the Visa portal, including airport lounge access, Careem credits, dining offers and cinema. Selection can only be changed after 12 months.
See full breakdownVOX Cinemas
Discounted THEATRE & 4DX tickets, up to 4 a month
One of the pre-packaged benefit options: 2 THEATRE tickets for AED 200 per transaction, or 4DX tickets at AED 60 each (minimum 2 per transaction, up to 4 per month), plus 20% off the THEATRE à la carte menu.
See full breakdownBon Appétit Dining
Up to 30% off at 2,000+ restaurants
Up to 30% off at 2,000+ restaurants through the Bon Appétit dining programme.
Purchase Insurance
Complimentary purchase protection
Complimentary purchase insurance on big-ticket purchases made with the card.
Easy Monthly Instalments
Convert purchases to 0% instalments
Convert eligible purchases to Easy Monthly Instalments, Balance Conversion, Loan on Card or Balance Transfer plans.
Eligibility
21
Minimum Age
15,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, salary certificate or bank statements, and a security cheque.
Fees
735AED
Joining Fee
735AED
Annual Fee
3.69%
Monthly Purchase Rate
3.69% per month (44.28% per annum).
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
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