Emirates NBD dnata Platinum Credit Card
A points credit card by Emirates NBD earning up to 0.15 points/AED on dining and 0.1 points/AED on shopping and travel.
AED 525.00
Up to 0.15 pts/AED
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on dining and want points plus lounge access.
Not ideal if
You prefer cashback or spend mostly outside dining, shopping, and travel categories.
Watch out for
AED 525 annual fee is non-waivable, so points must justify the cost.
Calculate This Card’s Value
Earning Rates
0.15 pts/AED
0.1 pts/AED
0.1 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 0.15 points/AED on dining with no monthly cap.
Includes lounge access as a cardholder perk.
Welcome bonus of up to 1,000 points within 90 days.
Watch out for
AED 525 annual fee with no waiver option available.
Earn rates on shopping and travel are modest at 0.1 points/AED.
3.14% FX markup on foreign currency transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 525 annual fee is non-waivable, so value depends on how much you spend on dining and whether you use lounge access regularly. If you dine out frequently and redeem points effectively, the card can justify the cost.
How does the welcome bonus work?
You receive 500 points upon card activation, plus an additional 500 points if you spend AED 10,000 within the first 90 days, for a total of up to 1,000 points.
What categories earn the highest points?
Dining earns the highest rate at 0.15 points per AED. Shopping and travel both earn 0.1 points per AED, with no monthly caps on any category.
Can I use this card abroad?
Yes, but foreign currency transactions incur a 3.14% FX markup, which can reduce the effective value of points earned on international spend.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.