Emirates NBD Visa Platinum Credit Card
A no-fee credit card by Emirates NBD earning up to 0.015 points per AED on general spending.
Free
Up to 0.004 pts/AED
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a no-fee card for general spending and earn AED 12,000 or more monthly.
Not ideal if
You spend heavily on groceries, utilities, or education and want strong category rewards.
Watch out for
Groceries and utilities earn only 0.004 and 0.002 points per AED respectively.
Calculate This Card’s Value
Earning Rates
0.015 pts/AED
0.004 pts/AED
0.002 pts/AED
0.002 pts/AED
Key Strengths and Weaknesses
Strengths
Zero annual fee makes it cost-free to hold and use long-term.
Earns 0.015 points per AED on most general spending with no caps.
No minimum monthly spend required to activate earning rates.
Watch out for
Groceries earn only 0.004 points per AED, much lower than baseline rate.
Utilities and education earn just 0.002 points per AED, minimal rewards.
Requires AED 12,000 minimum monthly salary to qualify for the card.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Emirates NBD Visa Platinum Credit Card?
No, this card has zero annual fee and no joining fee, making it completely free to hold.
How many points do I earn on groceries and utilities?
Groceries earn 0.004 points per AED, while utilities and education earn 0.002 points per AED. General spending earns a higher 0.015 points per AED.
What is the minimum salary required for this card?
You need a minimum monthly salary of AED 12,000 to be eligible for the Emirates NBD Visa Platinum Credit Card.
Can I use this card abroad and what is the foreign exchange fee?
Yes, you can use this card internationally. The foreign exchange markup is 3.14% on transactions made outside the UAE.
Does this card earn points on school or university fees?
Yes, education spending earns 0.002 points per AED with no cap, though this is lower than the general spending rate.