Emirates NBD Darna Visa Infinite Credit Card
A premium lifestyle credit card by Emirates NBD earning 0.1 points per AED on shopping and 0.015 points per AED elsewhere.
AED 1,575.00
Up to 0.1 pts/AED
AED 30,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on shopping monthly and value Darna Platinum lifestyle perks.
Not ideal if
You spend mostly on dining, travel, or groceries with little shopping activity.
Watch out for
AED 1,575 annual fee is not waivable and requires high usage to justify.
Calculate This Card’s Value
Earning Rates
0.1 pts/AED
0.015 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
0.1 points per AED on shopping with no monthly cap.
Darna Platinum Membership includes lounge access, golf, cinema, valet, and airport transfers.
Welcome bonus up to 15,000 points plus AED 500 gift card.
Watch out for
AED 1,575 annual fee with no waiver option.
Only 0.015 points per AED on all non-shopping spend.
Requires AED 30,000 minimum monthly salary to qualify.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is not waivable, so value depends on how much you shop and use Darna Platinum perks like lounge access, golf, and valet parking. If you spend heavily on shopping and regularly use these lifestyle benefits, the fee can be justified.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 30,000 to qualify for the Emirates NBD Darna Visa Infinite Credit Card.
How does the welcome bonus work?
You receive 7,500 points on approval, another 7,500 points if you spend AED 20,000 in the first 90 days, and an AED 500 YOUGotaGift HappyYOU Card when you apply online.
Can I use this card abroad?
Yes, but foreign currency transactions carry a 3.14% markup, which is higher than many competitors. Use it abroad only if you value the Visa Infinite benefits and Darna perks.
What categories earn the best rewards?
Shopping earns 0.1 points per AED. All other spending, including dining, travel, and groceries, earns only 0.015 points per AED, so this card is best for shopping-focused spend.