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 elsewhere.
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 with a focus on shopping and use lifestyle perks regularly.
Not ideal if
You spend heavily on dining, travel, or international purchases with weak shopping volume.
Watch out for
AED 315 annual fee is not waivable, so perk usage must justify the cost.
Calculate This Card’s Value
Earning Rates
0.075 pts/AED
0.01 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
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 BOGO, and Darna Gold membership.
Car service pickup and drop, airport transfer, and Entertainer benefits included.
Watch out for
AED 315 annual fee with no waiver option available.
Very low 0.01 points per AED on all non-shopping spend.
3.14% foreign exchange markup reduces value on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 315 annual fee is not waivable, so value depends on your use of lifestyle perks like lounge access, cinema BOGO, Darna Gold membership, and car services. The welcome bonus of 3,000 points and AED 350 gift card can help offset the first-year cost.
How many points do I earn on shopping?
You earn 0.075 points per AED on shopping purchases with no monthly cap. All other spends earn 0.01 points per AED.
What is the welcome bonus for this card?
You receive 3,000 points if you spend AED 15,000 within 90 days of card approval, plus an AED 350 YOUGotaGift HappyYOU Card when you apply online.
Can I use this card abroad?
Yes, but the 3.14% foreign exchange markup is standard to high, making it less competitive for international spending compared to cards with lower FX fees.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 12,000 to be eligible for the Emirates NBD Darna Visa Signature Credit Card.