SHARE by Majid Al Futtaim
SHARE is the loyalty programme of Majid Al Futtaim, the group that operates Carrefour in the UAE along with Mall of the Emirates, the City Centre malls, VOX Cinemas, Ski Dubai and Magic Planet. Points are earned by scanning a SHARE ID at the till, and a SHARE co-branded credit card layers a much higher earn rate on top of that.
How SHARE works
SHARE Points are earned at Majid Al Futtaim destinations and redeemed at the same places — 10 SHARE Points = AED 1, a flat rate that does not vary by what you redeem against. Scanning a SHARE ID alone earns a base rate; the value in a SHARE credit card is the partner rate it adds on qualifying spend.
Three UAE banks issue SHARE co-brands — Emirates NBD, First Abu Dhabi Bank and ADIB — and all of them pay their headline rate on the same network: Carrefour (in-store and online), the Majid Al Futtaim malls, and the group's leisure venues. Everything outside that network drops to a much lower base rate, which is what makes SHARE a second card rather than an everyday one. The Al-Futtaim Group stores are outside it entirely — those run on Blue Rewards.
The SHARE card ladder
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | AED 1,575 | AED 30,000 | 8% back in SHARE Points at Carrefour and Majid Al Futtaim destinations, from AED 30,000 |
 | AED 1,050 | AED 25,000 | 8% back in SHARE Points at the same network, from AED 25,000 |
 | Free | AED 12,000 | 6% back in SHARE Points, no annual fee, from AED 12,000 |
 | AED 525 | AED 10,000 | 6% back in SHARE Points, from AED 10,000 — the lowest salary bar at this rate |
 | AED 1,048.95 (waivable) | AED 5,000 | 6% back in SHARE Points, Sharia-compliant, from AED 5,000 |
 | Free | AED 5,000 | 4% back in SHARE Points, no annual fee, from AED 5,000 |
 | Free | AED 5,000 | 4% back in SHARE Points, no annual fee, from AED 5,000 |
 | AED 208.95 (waivable) | AED 5,000 | 3% back in SHARE Points, Sharia-compliant, from AED 5,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 30,000 | 8% back in SHARE Points at Carrefour and Majid Al Futtaim destinations, from AED 30,000 |
| AED 1,050 | AED 25,000 | 8% back in SHARE Points at the same network, from AED 25,000 |
| Free | AED 12,000 | 6% back in SHARE Points, no annual fee, from AED 12,000 |
| AED 525 | AED 10,000 | 6% back in SHARE Points, from AED 10,000 — the lowest salary bar at this rate |
| AED 1,048.95 (waivable) | AED 5,000 | 6% back in SHARE Points, Sharia-compliant, from AED 5,000 |
| Free | AED 5,000 | 4% back in SHARE Points, no annual fee, from AED 5,000 |
| Free | AED 5,000 | 4% back in SHARE Points, no annual fee, from AED 5,000 |
| AED 208.95 (waivable) | AED 5,000 | 3% back in SHARE Points, Sharia-compliant, from AED 5,000 |
ENBD SHARE Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
Highlight8% back in SHARE Points at Carrefour and Majid Al Futtaim destinations, from AED 30,000
FAB SHARE Infinite Credit Card
Annual feeAED 1,050
Min. salaryAED 25,000
Highlight8% back in SHARE Points at the same network, from AED 25,000
ENBD SHARE Signature Credit Card
Annual feeFree
Min. salaryAED 12,000
Highlight6% back in SHARE Points, no annual fee, from AED 12,000
FAB SHARE Signature Credit Card
Annual feeAED 525
Min. salaryAED 10,000
Highlight6% back in SHARE Points, from AED 10,000 — the lowest salary bar at this rate
ADIB SHARE Infinite Credit Card
Annual feeAED 1,048.95 (waivable)
Min. salaryAED 5,000
Highlight6% back in SHARE Points, Sharia-compliant, from AED 5,000
ENBD SHARE Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight4% back in SHARE Points, no annual fee, from AED 5,000
FAB SHARE Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight4% back in SHARE Points, no annual fee, from AED 5,000
ADIB SHARE Visa Platinum Card
Annual feeAED 208.95 (waivable)
Min. salaryAED 5,000
Highlight3% back in SHARE Points, Sharia-compliant, from AED 5,000
What your SHARE balance is worth
What your points are worth
Program
SHARE Points
5,000AED
50,000 points via Carrefour & Al Futtaim
Redeem at Carrefour, VOX Cinemas, and all Majid Al Futtaim mall partners
Based on the issuer’s published redemption rate; catalogue pricing and availability can still vary.
SHARE Points convert at a flat 10 points = AED 1, redeemable against a bill at Carrefour, VOX Cinemas and other Majid Al Futtaim partners through the SHARE app. There is no premium redemption tier to hunt for and no transfer partner to arbitrage, so unlike airline miles the headline rate is the whole story — a 6% card really does return AED 6 of Carrefour credit per AED 100 spent there.
The flip side is that the points only spend inside the network. If your grocery shopping is split across Carrefour, LuLu and Spinneys, a general cashback card paying real AED may beat a SHARE card that pays more but only at one chain.
Living with SHARE
SHARE is built for a specific UAE routine: the weekly Carrefour run, a VOX ticket, and the mall the family already goes to. Because Majid Al Futtaim owns the malls as well as the supermarket, the same card earns on the anchor tenant and on the leisure spend in the same trip — which is unusual, and the main reason a SHARE card justifies a slot in the wallet even at a lower headline rate than a general cashback card.
What it does not cover is the rest of the retail landscape. Al-Futtaim Group's stores — IKEA, ACE Hardware, Marks & Spencer and Toys R Us — along with LuLu, Spinneys, Union Coop and the Emaar and Aldar malls all sit outside the network and earn only the base rate.
Why SHARE cards are worth it
1.
One card covers the groceries and the mall
Majid Al Futtaim owns Carrefour, the malls it anchors, and the cinemas and leisure venues inside them. A SHARE card earns its partner rate across all of it, so a single weekend trip earns at the same rate from the supermarket till to the VOX box office.
2.
The rate is flat and the maths is simple
10 SHARE Points = AED 1, always. There is no premium redemption tier and no transfer partner, so a 6% headline rate is genuinely 6% of Carrefour credit — unusual honesty compared with points programmes that quote an earn rate and quietly vary the redemption value.
3.
Three banks issue it, so there is a tier for most salaries
ENBD, FAB and ADIB issue eight SHARE co-brands between them. The entry tiers start at AED 5,000 salary with no annual fee, and ADIB's two are Sharia-compliant — so the programme is reachable without committing to one bank.
4.
It is not the Al-Futtaim programme
SHARE does not cover IKEA, ACE Hardware, Marks & Spencer or Toys R Us. Those are Al-Futtaim Group brands and earn through Blue Rewards on a FAB Blue card. Holding a SHARE card and shopping at IKEA earns only the card's ordinary base rate.
SHARE credit cards
EMIRATES NBD
ENBD SHARE Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 4% back at Majid Al Futtaim
- 0.75% cashback on other spends
- Buy 1 get 1 at VOX Cinemas
EMIRATES NBD
ENBD SHARE Signature Credit Card
- Salary: AED 12,000+
- No Annual Fee
- 6% cashback at Majid Al Futtaim
- 1% cashback on other spends
- Welcome bonus: 5,000 SHARE Points
EMIRATES NBD
ENBD SHARE Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 1,575
- Annual Fee: AED 1,575
- 8% cashback at Majid Al Futtaim
- Welcome bonus: 10,000 SHARE Points
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
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 5,000 bonus SHARE points
- 6% at malls & Carrefour
- 2-for-1 VOX 3× monthly
FIRST ABU DHABI BANK (FAB)
FAB SHARE Infinite Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,050
- 10,000 bonus SHARE points
- 8% at malls & Carrefour
- Free lounge access
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Visa Platinum Card
- Salary: AED 5,000+
- Annual Fee: AED 208.95
- Welcome bonus: 2,000 SHARE Points
- Double SHARE Points (6%) at Carrefour/MAF for 90 days on new signups
- 3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Infinite Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 1,048.95
- Welcome bonus: 10,000 SHARE Points
- 12% back in SHARE Points for the first 3 months
- 6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
Compare head-to-head
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