Emirates NBD Mastercard Titanium Credit Card
A no-fee Emirates NBD credit card earning up to 0.01 points per AED on general spend with lounge access.
Free
Up to 0.004 pts/AED
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want a no-fee card with lounge access and modest points on general spend.
Not ideal if
You prioritize high earning on dining, travel, or international purchases.
Watch out for
The 3.14% FX markup makes foreign currency transactions expensive.
Calculate This Card’s Value
Earning Rates
0.01 pts/AED
0.004 pts/AED
0.002 pts/AED
0.002 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Zero annual fee with no spending threshold to waive.
Lounge access included at no extra cost.
Accessible AED 5,000 minimum salary requirement.
Earns 0.01 points per AED on most everyday purchases.
Watch out for
Lower earning rates on groceries, utilities, and education than general spend.
No bonus earning on dining or travel categories.
3.14% FX markup makes international use costly.
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
Mastercard Platinum Credit Card
Similarity score93/100
FAB
Blue Signature Credit Card
Similarity score70/100
DIB
Prime Platinum Islamic Credit Card
Similarity score66/100
FAB Islamic
Blue Credit Card
Similarity score64/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
Emirates NBD
Visa Platinum Credit Card
Comparison fit85/100
DIB
Prime Infinite Islamic Credit Card
Comparison fit70/100
CBD
Visa Infinite Credit Card
Comparison fit67/100
RAKBANK Islamic
World Credit Card
Comparison fit67/100
Frequently Asked Questions
Is there an annual fee for the Emirates NBD Mastercard Titanium Credit Card?
No, this card has zero annual fee and no joining fee, making it a cost-free option for cardholders.
How many points do I earn per AED spent?
You earn 0.01 points per AED on most purchases. Groceries earn 0.004 points per AED, while utilities and education earn 0.002 points per AED.
Can I use this card abroad without extra charges?
You can use it internationally, but the 3.14% foreign exchange markup makes it expensive for overseas or foreign currency transactions.
Does this card earn points on school or university fees?
Yes, education spending earns 0.002 points per AED, though this is lower than the general spend rate.
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 Mastercard Titanium Credit Card.