Emirates NBD dnata World Credit Card
A premium credit card by Emirates NBD earning up to 0.15 points per AED on travel and 0.1 points per AED on dining.
AED 1,048.95
Up to 0.15 pts/AED
AED 20,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 20,000+ monthly and spend heavily on travel and dining.
Not ideal if
Most of your spending is on groceries, utilities, or other everyday categories.
Watch out for
AED 1,048.95 annual fee is not waivable, regardless of your spending.
Calculate This Card’s Value
Earning Rates
0.1 pts/AED
0.15 pts/AED
Cap: Up to AED 20,000/yr
0.015 pts/AED
Cap: Up to AED 3,000/yr
Perks
Key Strengths and Weaknesses
Strengths
0.15 points per AED on travel and 0.1 points per AED on dining.
Premium perks include lounge access, golf, airport transfers, and valet parking.
Welcome bonus of up to 2,500 points with qualifying spend.
No cap on dining earn rate, allowing unlimited points accumulation.
Watch out for
AED 1,048.95 annual fee with no waiver option available.
Travel earn capped at AED 20,000 per year, limiting high spenders.
Very low 0.015 points per AED on all other spends, capped at AED 3,000 annually.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,048.95 annual fee is not waivable, so you need to use the premium perks (lounge access, golf, airport transfers, valet parking) and earn consistently on travel and dining to justify the cost. If you rarely use these benefits or spend little in bonus categories, the fee may outweigh the rewards.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for the Emirates NBD dnata World Credit Card.
How does the welcome bonus work?
You receive 1,000 points upon card activation, plus an additional 1,500 points if you spend AED 25,000 within the first 90 days, for a total of up to 2,500 points.
Are there any caps on earning points?
Yes, travel earning is capped at AED 20,000 per year, and all other spends earn only up to AED 3,000 annually. Dining has no cap, so you can earn 0.1 points per AED on all dining purchases.
Can I use this card abroad?
Yes, you can use the card internationally, but a 3.14% foreign exchange markup applies to all foreign currency transactions.