Emirates NBD Diners Club Credit Card
A points credit card by Emirates NBD earning up to 0.05 points/AED on shopping and 0.025 points/AED on dining.
AED 420.00
Up to 0.05 pts/AED
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on shopping and dining and regularly use lounge access.
Not ideal if
You mainly spend on groceries, education, or utilities with weak earning rates.
Watch out for
AED 420 annual fee is not waivable and may exceed value earned.
Calculate This Card’s Value
Earning Rates
0.025 pts/AED
0.05 pts/AED
0.004 pts/AED
0.002 pts/AED
0.002 pts/AED
0.005 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
0.05 points per AED on shopping with no monthly cap.
0.025 points per AED on dining with no monthly cap.
Complimentary lounge access and golf rounds included.
Watch out for
AED 420 annual fee is not waivable.
Very low earning on groceries, education, and utilities at 0.002 to 0.004 points/AED.
3.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
What is the annual fee for the Emirates NBD Diners Club Credit Card?
The annual fee is AED 420 and is not waivable. You need to ensure the points and perks you earn justify this cost.
How many points do I earn on shopping and dining?
You earn 0.05 points per AED on shopping and 0.025 points per AED on dining, with no monthly caps on either category.
Does this card earn points on school or university fees?
Yes, education spending earns 0.002 points per AED. This is a very low rate compared to shopping or dining.
Can I use this card abroad without extra charges?
You can use it internationally, but a 3.14% foreign exchange markup applies to all transactions in foreign currencies.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 12,000 to be eligible for this card.