Emirates NBD Marriott Bonvoy World Credit Card
A hotel rewards credit card by Emirates NBD earning 3 points per USD on travel and 1.5 points per USD on dining, shopping, and international spend.
Free
Up to 3 pts/USD
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You stay at Marriott hotels regularly and spend AED 5,000 or more monthly on travel and dining.
Not ideal if
You prefer cashback, rarely use Marriott properties, or spend mostly on groceries and utilities.
Watch out for
The 3.14% FX markup reduces the value of international spend rewards significantly.
Calculate This Card’s Value
Earning Rates
3 pts/USD
1.5 pts/USD
1.5 pts/USD
1.5 pts/USD
0.375 pts/USD
0.15 pts/USD
0.15 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
No annual fee makes it accessible for Marriott loyalists.
Earns 3 points per USD on travel bookings.
Complimentary Marriott Bonvoy Silver Status and lounge access included.
Welcome bonus of a free night award after USD 6,000 spend in 90 days.
Watch out for
Requires minimum salary of AED 12,000 monthly to qualify.
Low earn rates on groceries, education, and utilities.
3.14% FX markup reduces international spend value.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for this card?
No, the Emirates NBD Marriott Bonvoy World Credit Card has no annual fee, making it a cost-effective option for Marriott Bonvoy members.
How does the welcome bonus work?
You receive a free night award (redeemable at hotels up to 35,000 Marriott Bonvoy points) after spending USD 6,000 within the first 90 days. This can offset the cost of a hotel stay if you meet the spend requirement.
What is the minimum salary required?
You must earn at least AED 12,000 per month to be eligible for this card.
Can I use this card abroad?
Yes, the card earns 1.5 points per USD on international transactions, but be aware of the 3.14% foreign exchange markup, which reduces net value.
Does this card earn points on school or university fees?
Yes, education spending earns 0.15 points per USD, but this is one of the lowest earn rates on the card and not a strong benefit.