Emirates NBD Mastercard Platinum Credit Card
A no-fee points credit card by Emirates NBD earning up to 0.015 points/AED on shopping, dining, international, and travel spend.
Free
Up to 0.015 pts/AED
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend regularly on shopping, dining, and travel and want no-fee points earning.
Not ideal if
You prefer cashback rewards or spend mostly on groceries, utilities, and education.
Watch out for
3.14% FX markup on international transactions can reduce effective points value abroad.
Calculate This Card’s Value
Earning Rates
0.015 pts/AED
0.015 pts/AED
0.015 pts/AED
0.015 pts/AED
0.004 pts/AED
0.002 pts/AED
0.002 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
No annual fee, making it cost-free to hold and use.
0.015 points/AED on shopping, dining, international, and travel with no caps.
Includes lounge access and complimentary golf rounds as perks.
Watch out for
Low 0.004 points/AED on groceries and 0.002 on utilities and education.
Requires AED 12,000 minimum monthly salary to qualify.
3.14% FX markup on foreign currency transactions.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
Emirates NBD
Visa Platinum Credit Card
Similarity score96/100
FAB
Blue Signature Credit Card
Similarity score72/100
FAB Islamic
Blue Credit Card
Similarity score66/100
DIB
Prime Signature Islamic Credit Card
Similarity score65/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Emirates NBD
Visa Infinite Credit Card
Comparison fit88/100
DIB
Prime Infinite Islamic Credit Card
Comparison fit71/100
RAKBANK Islamic
World Credit Card
Comparison fit70/100
CBD
Visa Infinite Credit Card
Comparison fit68/100
Frequently Asked Questions
Is there an annual fee for the Emirates NBD Mastercard Platinum Credit Card?
No, this card has no annual fee, so you can earn points without any ongoing cost.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 12,000 to be eligible for this card.
How many points do I earn on shopping and dining?
You earn 0.015 points per AED spent on shopping, dining, international purchases, and travel, with no monthly caps.
Can I use this card abroad without extra charges?
You can use it abroad, but there is a 3.14% foreign exchange markup on international transactions, which adds to the cost of spending in foreign currencies.
Does this card earn points on school or university fees?
Yes, education spending earns 0.002 points per AED, though this is a lower rate than shopping, dining, or travel.