Emirates NBD Mastercard Titanium Credit Card
A no-fee Emirates NBD credit card earning up to 0.01 points per AED on general spend.
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 for everyday spending without chasing high rewards.
Not ideal if
You spend heavily on dining, travel, or shopping and want strong category rewards.
Watch out for
Earning rates are low across all categories, so points accumulate slowly.
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
No annual fee, making it cost-free to hold and use.
Earns 0.01 points per AED on general spending with no caps.
Includes complimentary lounge access for added travel convenience.
Accessible AED 5,000 minimum salary requirement.
Watch out for
Very low earning rates on groceries, utilities, and education.
No accelerated rewards on dining, travel, or international spend.
3.14% foreign exchange markup increases costs on overseas transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Emirates NBD Mastercard Titanium Credit Card?
No, this card has no annual fee, so you can use it without any recurring cost.
How many points do I earn per AED spent?
You earn 0.01 points per AED on most purchases, 0.004 points per AED on groceries, and 0.002 points per AED on utilities and education.
Can I use this card abroad?
Yes, but a 3.14% foreign exchange markup applies to all international transactions, which can add up on overseas spending.
Does this card earn points on school or university fees?
Yes, education spending earns 0.002 points per AED, though the rate is lower than general purchases.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.