EmiratesNBD credit cards

• Earn dnata Points (1 Point = AED 1): 15% at Costa Coffee and City Sightseeing, 10% at dnata Travel and Arabian Adventures, 5% on Duty Free
• Points credited instantly, never expire, and redeem 1:1 (AED) at dnata Travel and participating stores

Updated September 2026

• Earn 15% back in dnata Points at dnata Travel and Costa Coffee, 10% at MMI and Duty Free, 1.5% on general retail
• Unlimited airport lounge access worldwide via Mastercard Travel Pass (1,000+ lounges, 300+ cities)

Updated September 2026

• Earn 5% Plus Points on groceries, electronics, utilities, education and fuel (min. AED 5,000/month spend; 1.5% if not met), 0.5% on other spend
• Complimentary airport lounge access: 25+ lounges via Mastercard, 1,900+ lounges via Diners Club

Updated September 2026

• Earn 1.25% in Plus Points on weekend retail spend, 1% on RTA transit
• Built-in NoL chip, pay Metro, bus & RTA parking; auto top-up when low

Updated September 2026

• Earn 2.5% in Plus Points on retail weekend spend, 2% on RTA/transit spend, 0.5% on retail weekdays
• Built-in NoL chip: Gold Class Metro access, bus, water bus and RTA parking, with auto top-up

Updated September 2026

• Earn 20% back on noon Food, 10% on NowNow, 5% on noon, Namshi and supermall, 1% elsewhere (capped at AED 2,000/month)
• Free noon One membership for year one, then 50% off annually

Updated September 2026

• Earn 6.25% value back in Darna Points at Yas Mall, Yas Island and Aldar destinations
• 0.75% on general spend; groceries, fast food and insurance earn less; fuel, utilities and government earn less still

Updated September 2026

• Earn 10% value back at Aldar malls, hotels, golf and attractions; 1.5% on other spend
• Darna Rewards Platinum tier: dedicated parking, up to 40% off Aldar hotels, 30% off dining and beach clubs

Updated September 2026

• Earn 10% value back at Aldar destinations (Yas Mall, hotels, theme parks, spas, golf); 1.5% elsewhere
• Darna Rewards Invite Only tier: reserved parking, up to 50% off Yas Island hotels, 40% off dining

Updated September 2026

• Earn 7.5% value back at Aldar destinations (Yas Mall, hotels, theme parks, golf, spas); 1% elsewhere
• Darna Rewards Gold tier: up to 30% off Aldar hotel stays, 20% off dining, golf and padel discounts

Updated September 2026

• Earn 7% back at LuLu (in-store & online), 4% on fuel as LuLu 247 Points
• Unlimited airport lounge access via Mastercard Travel Pass (1,000+ lounges, 300+ cities), unlocked by 1 foreign-currency transaction per 3 months

Updated September 2026

• Earn 3.5% back at LuLu (in-store & online), 2% on fuel in LuLu 247 Points
• Points redeem 1:1 (AED) at 70+ LuLu outlets, added instantly, never expire

Updated September 2026

• Earn 8% back in SHARE Points at 5,000+ MAF stores, 1.5% on other retail and online
• Unlimited lounge access for you and a guest at 1,200+ lounges (300+ cities) via Visa Airport Companion

Updated September 2026

• Earn 4% back in SHARE Points at 5,000+ MAF stores (Mall of the Emirates, City Centres, Carrefour, VOX, Ski Dubai)
• 0.75% back on other retail, online and international spend

Updated September 2026

• Earn 6% back in SHARE Points at 5,000+ MAF stores, 1% on retail, online and international spend
• Unlimited airport lounge access at 1,200+ lounges via Visa Airport Companion (requires USD 1 foreign spend)

Updated September 2026

• Earn 5% back in Upoints at all Emaar outlets, malls, hotels & entertainment; 1% everywhere else
• BOGO movie tickets at Reel Cinemas plus up to 30% off Emaar Entertainment venues

Updated September 2026

• Earn 7.5% back in Upoints at Emaar outlets, 1.5% on other spend
• U By Emaar Platinum status plus suite upgrades and late checkout at Emaar hotels

Updated September 2026

• Earn 6.25% back in Upoints at Emaar outlets, 1.25% on other spend
• U By Emaar Gold status plus 15% off F&B and spas, up to 30% off Emaar Entertainment

Updated September 2026

• Earn 7.5% back in Upoints on Emaar spends (malls, hotels, dining, entertainment), 1.5% on all other spend
• Complimentary U by Emaar Platinum status, plus 20% off F&B and spas at Emaar Hospitality hotels

Updated September 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Complimentary airport lounge access via Mastercard Travel Pass (900+ lounges)

Updated September 2026

• Earn 1 Plus Point per AED 100 on general retail (1 Point = AED 1.00), capped at 1,000 points per statement
• Lower earn rates on groceries, fuel, utilities and similar categories

Updated September 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Up to 30% off at 2,000+ restaurants via Bon Appetit

Updated September 2026

• Earn 10 Etihad Guest Miles per AED 10 on Etihad, hotels and dining; 6 on international and domestic spend
• Fast-track to Etihad Guest Gold Tier after 1 Etihad return flight within 6 months of card issuance

Updated September 2026

• Earn 7 Etihad Guest Miles per AED 10 on Etihad, hotels and dining; 4 on international and domestic spend
• Fast-track to Etihad Guest Silver after 1 Etihad return flight within 6 months of card issuance

Updated September 2026

• Earn 6 Bonvoy Points per AED 3.67 at Marriott, 3 on local and international retail
• Automatic Gold Elite status, fast-track to Platinum on USD 100,000 spend; 15 Elite Night Credits yearly

Updated September 2026

• Earn 3 Marriott Bonvoy Points per USD at Marriott, 1.5 on retail spend
• Automatic Silver Elite status, fast-track to Gold at USD 40,000 spend; 10 Elite Night Credits yearly

Updated September 2026

• Earn 5% Plus Points on single spends of AED 5,000+, 2% on AED 2,500-4,999, 1% on general retail below AED 2,500
• Complimentary airport lounge access worldwide via Visa Airport Companion (requires USD 1 foreign spend to activate)

Updated September 2026

• Earn 2 Skywards Miles per USD on Emirates, flydubai, duty free, food delivery and car apps; 1.5 on international spend; 1 on local
• Complimentary Skywards Silver: Business Class lounge in Dubai, 25% bonus Miles, 12kg extra baggage, Business Class check-in

Updated September 2026

• Earn 1.5 Skywards Miles per USD on Emirates, flydubai, duty free and food delivery; 1 on international spend
• Unlimited lounge access via Visa Airport Companion (1,000+ lounges, 300+ cities) with qualifying foreign transaction

Updated September 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Choose 3 travel perks from: 900+ lounges, Global Blue, airport transfers, flight-delay lounge, global eSIM

Updated September 2026

• Earn 2 Plus Points per AED 100 on general retail (0.4 on groceries/insurance, lower on fuel/utilities)
• Unlimited lounge access for you and 1 guest at 1,000+ lounges (requires a foreign-currency transaction of at least USD 1)

Updated September 2026

• Earn 6 Voyager Miles/AED via the Voyager Travel Portal, 3 on other travel spend
• Unlimited airport lounge access (1,000+ lounges) via Mastercard Travel Pass, unlocked by a USD 1+ foreign transaction in the prior 3 months

Updated September 2026

• Earn 12 Voyager Miles/AED on portal travel, 6 on other travel, 1 on retail (groceries, fuel and utilities earn significantly less)
• Complimentary access to 1,000+ airport lounges worldwide, airport transfers, Meet & Greet and Security Fast Track (3 times a year)

Updated September 2026