Emirates NBD Mastercard Platinum Credit Card

A points credit card by Emirates NBD earning 0.015 points per AED on shopping, dining, international, and travel spend.

Annual feeVAT included
Free

Top earnrewards rate
Up to 0.015 pts/AED

Min salaryfor eligibility
AED 12,000

FX markupforeign currency
3.14%

Apply now

Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You earn AED 12,000+ monthly and want no-fee lounge access and golf.

Not ideal if
You prefer cashback or spend heavily on groceries, utilities, and education.

Watch out for
Earn rate of 0.015 points per AED is modest compared to premium cards.

If you earn at least AED 12,000 monthly and regularly spend on shopping, dining, international purchases, and travel, this card offers a flat 0.015…

Calculate This Card’s Value

Earning Rates

Shopping
0.015 pts/AED

Dining
0.015 pts/AED

International
0.015 pts/AED

Travel
0.015 pts/AED

Groceries
0.004 pts/AED

Utilities
0.002 pts/AED

Education
0.002 pts/AED

Perks

Airport Lounge Access

Golf Round Access

Key Strengths and Weaknesses

Strengths

No annual fee, making it cost-free to hold and use.

Lounge access and complimentary golf rounds included at no extra charge.

0.015 points per AED on shopping, dining, international, and travel spend.

Watch out for

Very low earn rate on groceries, utilities, and education at 0.002 to 0.004 points per AED.

AED 12,000 minimum salary requirement limits eligibility.

3.14% foreign exchange markup on international transactions reduces value abroad.

Fees & Conditions

Annual FeeFree

Fee WaiverN/A — always free

FX Markup3.14%

Minimum SalaryAED 12,000/mo

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
Dining, Travel
Upper Mass salary
No fee

FAB
Blue Signature Credit Card
Similarity score72/100
Shopping
Upper Mass salary
No fee

FAB Islamic
Blue Credit Card
Similarity score66/100
Shopping
Upper Mass salary
Low fee

DIB
Prime Signature Islamic Credit Card
Similarity score65/100
International, Dining
Upper Mass salary
No fee

See all 4 similar cards
Show fewer cards

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
Dining, Travel
Affluent salary
High fee

DIB
Prime Infinite Islamic Credit Card
Comparison fit71/100
International, Dining
Affluent salary
No fee

RAKBANK Islamic
World Credit Card
Comparison fit70/100
Dining, International
Affluent salary
Mid fee

CBD
Visa Infinite Credit Card
Comparison fit68/100
International, Travel
Upper Mass salary
Mid fee

See all 4 comparison cards
Show fewer cards

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 hold it without any recurring 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 dining and shopping?

You earn 0.015 points per AED on dining, shopping, international, and travel spend. Groceries earn 0.004 points per AED, and utilities and education earn 0.002 points per AED.

Can I use this card abroad?

Yes, but be aware of the 3.14% foreign exchange markup on international transactions, which reduces the net value of your points.

Does this card earn points on school or university fees?

Yes, education spend earns 0.002 points per AED, though this is one of the lowest earn rates on the card.