Emirates NBD Darna Visa Signature Credit Card
A lifestyle credit card by Emirates NBD earning 0.075 points per AED on shopping and 0.01 points per AED on all other spends.
AED 315.00
Up to 0.075 pts/AED
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend around AED 5,000 monthly, mostly on shopping, and value lifestyle perks.
Not ideal if
You spend heavily on dining, travel, or groceries with no shopping focus.
Watch out for
AED 315 annual fee is not waivable and 3.14% FX markup on international transactions.
Calculate This Card’s Value
Earning Rates
0.075 pts/AED
0.01 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.075 points per AED on shopping with no monthly cap.
Welcome bonus includes 3,000 points and AED 350 gift card when applying online.
Lifestyle perks include lounge access, cinema offers, and car service pickup.
Watch out for
AED 315 annual fee is not waivable regardless of spend.
Weak 0.01 points per AED on all non-shopping categories.
3.14% foreign exchange markup reduces value for international spending.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is not waivable. To justify it, you should use the lifestyle perks regularly and concentrate spending on shopping where you earn 0.075 points per AED. The welcome bonus of 3,000 points and AED 350 gift card can help offset the first year fee.
How much do I earn on shopping?
You earn 0.075 points per AED on shopping transactions with no monthly cap. All other spending earns 0.01 points per AED.
Can I use this card abroad?
Yes, but the card charges a 3.14% foreign exchange markup on international transactions, which reduces value for overseas spending.
What is the welcome bonus?
You receive 3,000 points if you spend AED 15,000 within 90 days of card approval. Additionally, applying online gets you a YOUGotaGift HappyYOU Card worth AED 350.
What lifestyle perks are included?
The card includes lounge access, cinema buy-one-get-one offers, Darna Gold membership, car service pickup and drop, Entertainer benefits, airport transfers, and car registration pickup and drop.