Emirates NBD Visa Platinum Credit Card
A no-fee points credit card by Emirates NBD earning 0.015 points per AED on general spend.
Free
Up to 0.004 pts/AED
AED 12,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You earn AED 12,000+ monthly and want a no-fee points card for general spending.
Not ideal if
You spend heavily on groceries, utilities, or education and want strong category bonuses.
Watch out for
Lower earn rates on groceries, utilities, and education reduce overall points accumulation.
Calculate This Card’s Value
Earning Rates
0.015 pts/AED
0.004 pts/AED
0.002 pts/AED
0.002 pts/AED
Key Strengths and Weaknesses
Strengths
No annual fee keeps the card cost-free for all cardholders.
Earns 0.015 points per AED on most everyday purchases.
Accessible AED 12,000 minimum salary requirement for eligibility.
Watch out for
Groceries earn only 0.004 points per AED, well below the baseline rate.
Utilities and education earn just 0.002 points per AED.
No welcome bonus or additional perks to boost initial value.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Emirates NBD Visa Platinum Credit Card?
No, this card has no annual fee, making it a cost-free option for cardholders who meet the AED 12,000 minimum salary requirement.
How many points do I earn on general spending?
You earn 0.015 points per AED on most everyday purchases. Groceries, utilities, and education earn lower rates of 0.004 and 0.002 points per AED respectively.
Does this card earn points on school or university fees?
Yes, education spending earns 0.002 points per AED. This is lower than the baseline rate, so it is not a strong category for this card.
Can I use this card abroad?
Yes, you can use this card internationally. A 3.14% foreign exchange markup applies to transactions in currencies other than AED.
What is the minimum salary to apply for this card?
You need a minimum monthly salary of AED 12,000 to be eligible for the Emirates NBD Visa Platinum Credit Card.