# Darna Points (Aldar) Source: https://kredit.ae/loyalty/aldar-darna Aldar's Abu Dhabi lifestyle rewards programme, earned through Emirates NBD's Darna co-branded cards — Kredit's flagship Abu Dhabi resident cards. 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 it works 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. ## Tiers - **Darna Select** — minimum salary AED 5,000. Free for life — 6.25% back at Aldar destinations, 0.75% elsewhere - **Darna Visa Signature** — minimum salary AED 12,000. AED 300 annual fee — 7.5% back at Aldar destinations - **Darna Visa Infinite** — minimum salary AED 30,000. AED 1,575 annual fee — 10% back at Aldar, 1.5% elsewhere, Darna Platinum tier status, lounge access, golf, valet - **Darna Infinite Privilege** — minimum salary AED 50,000. AED 2,625 annual fee — 10% back at Aldar, top-tier privileges ## Redemption 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. ## Travel angle 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 choose Darna ### 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. ### 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. ### 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. ## Frequently asked questions ### How much are Darna Points worth in AED? 10 Darna Points = AED 1 (AED 0.10 per point) when redeemed at participating Aldar destinations including Yas Mall, Yas Island and other Aldar properties. Use the [miles-to-AED calculator](https://kredit.ae/credit-cards/calculators/miles-to-aed) to convert your balance. ### Why do Darna cards advertise 10% back? The top-tier Darna Visa Infinite and Infinite Privilege earn 1 Darna Point per AED spent at Aldar destinations; each point is worth AED 0.10. 1 point × AED 0.10 = 10% back. The rate is lower on the other tiers — 6.25% on Darna Select, 7.5% on Darna Visa Signature. ### Is there a free Darna card? Yes — Darna Select has no annual fee, unlocks at AED 5,000 monthly salary, and earns 6.25% back at Aldar destinations (0.75% elsewhere), making it one of the more accessible free co-brand cards in the UAE. ### Where can I spend Darna Points? At participating Aldar destinations across Abu Dhabi — Yas Mall, Yas Island attractions, Aldar-managed hotels and communities. Check the current partner list on the card's details page, as it can expand over time. ### Do Darna Points ever earn cash back at non-Aldar merchants? Yes — every Darna card earns a lower base rate outside Aldar destinations too (0.75% on Select, 1.5% on Visa Infinite and Infinite Privilege), so the card still earns value on everyday UAE spend, not just at Aldar properties. ### Which Darna card should I get for my salary? At AED 5,000–11,999, Darna Select is free and earns 6.25% at Aldar. At AED 12,000–29,999, Darna Visa Signature's AED 300 fee unlocks 7.5%. At AED 30,000+, Darna Visa Infinite (or Infinite Privilege at AED 50,000+) earns the top 10% rate plus Darna Platinum tier status, lounge access, golf and valet parking.