Darna is Aldar's loyalty programme for Abu Dhabi residents — not an airline programme, but a rewards currency built around everyday life at Aldar destinations: Yas Mall, Yas Island, Saadiyat properties, and Aldar-managed communities. Emirates NBD issues four co-branded Darna cards spanning a full tier ladder, from a free entry card to an invitation-only top tier. The headline numbers you'll see — "6.25% back," "10% back" — come from two things multiplied together: how many Darna Points you earn per AED spent, and what those points are worth when redeemed. At the top tier, 1 point per AED earned (at Aldar) × AED 0.10 per point redeemed = 10% back.
Darna Points (Aldar)
Darna is Aldar's rewards programme for Abu Dhabi residents — Emirates NBD's four co-branded cards are Kredit's flagship pick for anyone who spends real money at Aldar destinations: Yas Mall, Yas Island, Saadiyat properties, school fees, and community service charges.
How Darna works
The Darna card ladder
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | Free | AED 5,000 | Free for life — 6.25% back as Darna Points at Aldar destinations, 0.75% elsewhere, from AED 5,000 |
 | AED 315 | AED 12,000 | AED 300 annual fee — 7.5% back at Aldar destinations, from AED 12,000 |
 | AED 1,575 | AED 30,000 | AED 1,575 annual fee — 10% back at Aldar, 1.5% elsewhere, Darna Platinum status, lounge access, golf, valet, from AED 30,000 |
 | AED 2,625 | AED 50,000 | AED 2,625 annual fee — 10% back at Aldar, top-tier Darna privileges, from AED 50,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Free for life — 6.25% back as Darna Points at Aldar destinations, 0.75% elsewhere, from AED 5,000 |
| AED 315 | AED 12,000 | AED 300 annual fee — 7.5% back at Aldar destinations, from AED 12,000 |
| AED 1,575 | AED 30,000 | AED 1,575 annual fee — 10% back at Aldar, 1.5% elsewhere, Darna Platinum status, lounge access, golf, valet, from AED 30,000 |
| AED 2,625 | AED 50,000 | AED 2,625 annual fee — 10% back at Aldar, top-tier Darna privileges, from AED 50,000 |
ENBD Darna Select Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree for life — 6.25% back as Darna Points at Aldar destinations, 0.75% elsewhere, from AED 5,000
ENBD Darna Visa Signature Credit Card
Annual feeAED 315
Min. salaryAED 12,000
HighlightAED 300 annual fee — 7.5% back at Aldar destinations, from AED 12,000
ENBD Darna Visa Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightAED 1,575 annual fee — 10% back at Aldar, 1.5% elsewhere, Darna Platinum status, lounge access, golf, valet, from AED 30,000
ENBD Darna Infinite Privilege Credit Card
Annual feeAED 2,625
Min. salaryAED 50,000
HighlightAED 2,625 annual fee — 10% back at Aldar, top-tier Darna privileges, from AED 50,000
What your Darna balance is worth
What your points are worth
Program
Darna Points
5,000AED
50,000 points via Aldar Destinations
Estimate based on published redemption rates — actual value varies by redemption date, route and availability.
Darna Points redeem at AED 0.10 per point (10 points = AED 1) at participating Aldar destinations — Yas Mall, Yas Island attractions, Aldar hotels, and other Aldar-managed properties.
Living with Darna
For Abu Dhabi residents, Darna cards reward the spend that's already part of daily life — Aldar Education school fees, Aldar Community Management service charges, Yas Mall retail and dining, Yas Island attractions and hotels, and Saadiyat properties. That's a materially different value proposition than an airline-miles card: you don't need to book a flight to see the return, and the higher-tier cards' Darna Platinum status adds lounge, golf and valet perks on top of the points.
Why Darna cards are worth it
1.
Where the 10% back actually comes from
Darna Visa Infinite and Infinite Privilege earn 1 Darna Point per AED at Aldar destinations; each point redeems at AED 0.10. Multiply the two and you get 10% back.
2.
A free tier that still earns real value
Darna Select has no annual fee, unlocks at AED 5,000 salary, and still earns 6.25% back at Aldar destinations — one of the more accessible free-for-life co-brand cards in the UAE.
3.
Built for Abu Dhabi residents, not just flyers
Service charges, school fees, mall spend and Yas Island days all earn Darna Points — value that shows up in everyday life rather than only on a plane ticket.
Compare head-to-head
Darna Points (Aldar) — FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE