EmiratesNBD credit cards

• Earn up to 15% back in dnata Points at Costa Coffee, City Sightseeing and Giraffe; 10% at dnata Travel, Arabian Adventures and more; 5% on Duty Free; 1% base on retail
• 4 airport lounge visits or dining offers a year via Mastercard Travel Pass

Updated November 2026

• Earn 15% back in dnata Points at dnata Travel and select partners, 10% at MMI, Arabian Adventures and Duty Free, 1.5% base on general retail
• 8 airport lounge visits or dining offers a year (1,000+ lounges, 300+ cities) via Mastercard Travel Pass

Updated November 2026

• Earn 5% Plus Points on groceries, electronics, utilities, education and fuel (min. AED 5,000/month spend); 0.5% on other spend
• Airport lounge access: complimentary visits at 25+ regional lounges (Mastercard) and 1,900+ lounges worldwide (Diners Club, min. AED 5,000/month spend)

Updated November 2026

• Earn 1.25% in Plus Points on retail weekend spend, 1% on RTA/transit spend, 0.25% on retail weekday spend
• Built-in RTA NoL chip: pay Metro, bus, water bus and parking fares; eligible for monthly pass with auto top-up

Updated November 2026

• Earn 2.5% Plus Points on retail weekend spends, 2% on RTA/transit spends, 0.5% on retail weekdays
• Built-in NoL chip: Gold Class Metro access, bus, water bus and RTA parking; auto top-up when balance drops below AED 30

Updated November 2026

• Earn 6.25% value back at Aldar destinations (Yas Mall, Yas Island, hotels, spas, golf)
• 0.75% value back on general spend; lower rates on groceries, fuel, utilities and similar

Updated November 2026

• Earn 10% value back at Aldar destinations (Yas Mall, malls, hotels, theme parks, golf, spas); 1.5% on all other spend
• Automatic Darna Platinum tier: dedicated parking, up to 40% off Aldar hotels, 30% off dining and beach clubs

Updated November 2026

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

Updated November 2026

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

Updated November 2026

• Earn 7% back in LuLu Points at LuLu (in-store & online), 4% on fuel, 2% on utilities
• 4 airport lounge visits or dining offers a year via Mastercard Travel Pass (1,000+ lounges); 1 free before any foreign spend

Updated November 2026

• Earn 3.5% back at LuLu (in-store & online), 2% on fuel, 1% on utilities
• Points capped at 833 per statement; 1 LuLu Point = AED 1, redeemable at 70+ LuLu outlets

Updated October 2026

• Earn up to 20% back in noon Credits on noon Food, 10% on NowNow, 5% on noon, Namshi and supermall, 1% on other eligible spend
• Complimentary noon One membership for 1 year, then 50% off annually

Updated October 2026

• Earn 8% back in SHARE Points at 5,000+ MAF stores; 1.5% on other retail, online and international spend
• Up to 12 airport lounge visits a year (1,000+ lounges) via Visa Airport Companion, including 2 complimentary visits

Updated November 2026

• Earn 4% back in SHARE Points at 5,000+ MAF stores (Mall of the Emirates, City Centre, Carrefour, VOX, Ski Dubai), plus up to 3% extra via SHARE App payments
• 0.75% back on other retail, online and international spend

Updated September 2026

• Earn 6% back in SHARE Points at 5,000+ MAF stores (Mall of the Emirates, City Centres, Carrefour, VOX, Ski Dubai); 1% on other retail, online and international spend
• 8 airport lounge visits a year (1,000+ lounges); 1 free visit upfront, 7 unlocked by a foreign transaction

Updated November 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 October 2026

• Earn 7.5% back in Upoints at Emaar outlets; 1.5% on general spend (groceries, insurance, EU spend and several other categories earn significantly less)
• U By Emaar Platinum status; complimentary suite upgrades and late checkout till 4pm at Emaar hotels (up to 7 nights a year)

Updated October 2026

• Earn 6.25% back in Upoints at all Emaar outlets; 1.25% on general spend
• U By Emaar Gold status and 8 lounge visits a year (1,000+ lounges via Visa Airport Companion)

Updated October 2026

• Earn 7.5% back in Upoints on Emaar spends (malls, hotels, dining, entertainment), 1.5% on all other spends
• Complimentary U by Emaar Platinum status; 20% off F&B and spas, suite upgrades and up to 30% off Emaar Entertainment

Updated November 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Up to 4 lounge visits or airport dining offers a year via Mastercard Travel Pass (900+ lounges)

Updated November 2026

• Earn 1 Plus Point per AED 100 on general retail (1 Point = AED 1.00), capped at 1,000 points per statement
• Complimentary airport lounge access on flight delays via Flight Delay Pass

Updated November 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1.00)
• Up to 30% off at 2,000+ restaurants via Bon Appetit, up to 50% off health and fitness via LiveWell

Updated November 2026

• Earn 10 Etihad Guest Miles per AED 10 on Etihad Airways and Etihad.com, 7.5 on hotels and dining, 5 on international and domestic spend (from 15 Dec 2026)
• Fast-track to Etihad Guest Gold Tier after 1 return Etihad flight within 6 months of card issuance

Updated November 2026

• Earn 7 Etihad Guest Miles per AED 10 on Etihad and Etihad.com, 6 on hotels and dining, 3.5 on international and domestic spend
• Fast-track to Etihad Guest Silver Tier after 1 return Etihad flight within 6 months of card issuance

Updated November 2026

• Earn 6 Marriott Bonvoy Points per USD 1 at Marriott properties, 3 on retail spend
• Gold Elite status on approval, fast-track to Platinum Elite; annual Free Night Award (50,000 points) and 15 Elite Night Credits

Updated November 2026

• Earn 3 Marriott Bonvoy Points per USD 1 at Marriott properties, 1.5 on retail spend locally and internationally
• Automatic Silver Elite status, fast-track to Gold Elite at USD 40,000 spend, plus 10 Elite Night Credits a year

Updated October 2026

• Earn 5% Plus Points on single transactions of AED 5,000+, 2% on AED 2,500-4,999; flat 1% on groceries, fuel, utilities and similar categories
• Up to 12 lounge visits a year (cardholder and one guest) via Visa Airport Companion; 2 free upfront, rest unlocked by a foreign-currency transaction

Updated November 2026

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

Updated October 2026

• Earn 1.5 Skywards Miles per USD on Emirates, Emirates Holidays, flydubai, duty free, food delivery and car booking apps; 1 on international spend; 0.75 on domestic
• 8 airport lounge visits a year (1,000+ lounges via Visa Airport Companion App), 1 usable before any foreign spend

Updated November 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1), capped at 2,000 points per statement
• Customisable benefits: choose 3 travel (lounges, transfers, eSIM), 2 lifestyle (golf, dining), 1 entertainment (streaming or cinema)

Updated November 2026

• Earn up to 2 Plus Points per AED 100 on general retail (1 Point = AED 1)
• 12 airport lounge visits a year at 1,000+ lounges (cardholder and 1 guest, via Visa Airport Companion)

Updated November 2026

• Earn 6 Voyager Miles per AED on travel via the Voyager Portal, 3 on other travel spend
• 8 airport lounge visits or dining offers a year (1,000+ lounges) via Mastercard Travel Pass

Updated November 2026

• Earn 12 Voyager Miles/AED via the Voyager Travel Portal, 6 on other travel spend, 1 on retail (reduced rates apply on groceries, fuel, utilities and several other categories)
• 14 lounge visits or airport dining offers a year (1,000+ lounges) for cardholder plus one guest

Updated October 2026