Emirates NBD Marriott Bonvoy World Elite Credit Card
A premium hotel credit card by Emirates NBD earning up to 6 points/USD on travel and 3 points/USD on dining, shopping, and international spend.
AED 1,575.00
Up to 6 pts/USD
AED 25,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You travel frequently, stay at Marriott hotels, and spend heavily on international purchases.
Not ideal if
You prefer cashback, spend mainly on groceries and utilities, or rarely use hotel loyalty programs.
Watch out for
AED 1,575 annual fee is not waivable and requires AED 25,000 monthly salary to qualify.
Calculate This Card’s Value
Earning Rates
6 pts/USD
3 pts/USD
3 pts/USD
3 pts/USD
0.75 pts/USD
0.3 pts/USD
0.3 pts/USD
Perks
Key Strengths and Weaknesses
Strengths
Earns 6 points per USD on travel and 3 points per USD on dining, shopping, and international spend.
Welcome bonus of up to 150,000 Marriott Bonvoy points with activation and spend requirements.
Complimentary Marriott Bonvoy Gold status, lounge access, and airport transfer perks.
No caps on points earning across travel, dining, shopping, and international categories.
Watch out for
AED 1,575 annual fee with no waiver option.
Requires AED 25,000 minimum monthly salary to qualify.
Weak earning on groceries, utilities, and education at 0.75 or 0.3 points per USD.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 1,575 annual fee is worth it if you stay at Marriott hotels regularly and can redeem the welcome bonus of up to 150,000 points for high-value stays or airline transfers. If you rarely use Marriott properties or hotel loyalty programs, the fee will likely exceed the benefits.
How does the welcome bonus work?
You earn 75,000 Marriott Bonvoy points upon card activation and payment of the joining fee. You can earn an additional 75,000 bonus points if you spend USD 15,000 (approximately AED 55,050) on retail purchases within the first three billing statements.
What is the minimum salary to qualify?
You must earn at least AED 25,000 per month to be eligible for the Emirates NBD Marriott Bonvoy World Elite Credit Card.
Can I use this card abroad?
Yes, the card earns 3 points per USD on all international purchases. However, it carries a 3.14% foreign exchange markup on transactions in currencies other than AED.
Does this card earn points on school or university fees?
Yes, education spending earns 0.3 points per USD. This is a low rate compared to travel, dining, shopping, and international categories, so the card is not ideal if education is your primary expense.