Emirates NBD Darna Select Visa Credit Card
A no-fee Emirates NBD credit card earning up to 0.0625 points per AED on shopping and 0.0075 points per AED on all other spends.
Free
Up to 0.0625 pts/AED
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 5,000 monthly and spend regularly on shopping with no annual fee.
Not ideal if
You prioritize dining, travel, or fuel spend over shopping categories.
Watch out for
Very low baseline earn rate of 0.0075 points per AED on non-shopping purchases.
Calculate This Card’s Value
Earning Rates
0.0625 pts/AED
0.0075 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual or joining fee, making it cost-free to hold.
Earns 0.0625 points per AED on shopping with no monthly cap.
AED 250 welcome gift when you apply online.
Accessible AED 5,000 minimum salary requirement.
Watch out for
Very low 0.0075 points per AED on all non-shopping spends.
No elevated earn rates for dining, travel, fuel, or groceries.
3.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Emirates NBD Darna Select Visa Credit Card?
No, this card has no annual or joining fee, so you can hold it cost-free.
How many points do I earn on shopping?
You earn 0.0625 points per AED spent on shopping, with no monthly cap. All other spends earn 0.0075 points per AED.
What is the welcome bonus for this card?
When you apply online, you receive a YOUGotaGift HappyYOU Card worth AED 250.
Can I use this card abroad?
Yes, but international transactions incur a 3.14% foreign exchange markup, which adds to the cost of spending outside the UAE.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.