Emirates NBD Darna Select Visa Credit Card
A no-fee Emirates NBD credit card earning 0.0625 points per AED on shopping and 0.0075 points per AED elsewhere.
Free
Up to 0.0625 pts/AED
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 5,000 monthly and want a free card with shopping rewards.
Not ideal if
You prioritize dining, travel, or international spend over shopping.
Watch out for
3.14% FX markup reduces value on foreign currency transactions and overseas purchases.
Calculate This Card’s Value
Earning Rates
0.0625 pts/AED
0.0075 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Zero annual fee makes it cost-free to hold and use.
AED 250 welcome gift provides immediate value when you apply online.
0.0625 points per AED on shopping with no monthly cap.
Darna Silver membership and cinema buy-one-get-one offers included.
Watch out for
Very low 0.0075 points per AED on non-shopping spend.
3.14% foreign exchange markup on international transactions.
No bonus earning on dining, travel, or other popular categories.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Emirates NBD Darna Select Visa Credit Card?
No, this card has zero annual fee and no joining fee, making it completely free to hold.
What is the minimum salary to apply for this card?
You need a minimum monthly salary of AED 5,000 to be eligible for the Emirates NBD Darna Select Visa Credit Card.
How many points do I earn on shopping?
You earn 0.0625 points per AED spent on shopping, with no monthly cap. All other spending earns 0.0075 points per AED.
What is the welcome bonus for this card?
When you apply online, you receive a YOUGotaGift HappyYOU Card worth AED 250 as a welcome bonus.
Can I use this card abroad without extra charges?
You can use it abroad, but Emirates NBD charges a 3.14% foreign exchange markup on all international transactions, which adds cost to overseas purchases.