EmiratesNBD
Duo Credit Card
The Duo Credit Card is a cashback credit card from EmiratesNBD. It has no annual fee, and needs a minimum salary of AED 12,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 12,000/mo
Rewards in
Plus Points
Min. monthly spend
AED 5,000
Material
Plastic
Card highlights
- Earn 5% back in Plus Points on groceries, electronics, fuel, utilities and education (min AED 5,000/month), 0.5% on all other spend
- Plus Points redeem at 1 Point = 0.75 AED cashback or travel (up to 1 AED for education and donations); max 500 Points per statement
- Unlimited worldwide lounge access at 1,500+ lounges including marhaba and CAC, extended to supplementary cardholders
- Complimentary golf at top 5 UAE courses plus BOGO cinema at Royal Cinemas (min AED 5,000/month)
Earn rates
| Category | Rate |
|---|---|
| Retail | 5% |
| Supermarket | 5% |
| Fuel | 5% |
| Utilities | 5% |
| Education | 5% |
| Online shopping | 5% |
| Travel | 0.5% |
| Dining & food | 0.5% |
| Transport | 0.5% |
| International spend | 0.5% |
| Real estate | 0.5% |
Rewards on this card are capped at AED 375 a month across all categories (about AED 4,500 a year).
Current welcome offer
Free for life for Abu Dhabi residents
- Standard AED 840 annual fee waived
Benefits & perks
- •Unlimited worldwide airport lounge access at 1,500+ lounges (LoungeKey, marhaba, CAC and more)
- •Supplementary cardholders also eligible for airport lounge access
- •Complimentary access to top 5 golf courses across the UAE (AED 30 processing fee per booking)
- •Buy one get one free movie ticket at Royal Cinemas (with AED 5,000 monthly spend)
- •Concierge services
- •Credit Shield Pro insurance (underwritten by ADNIC)
- •Free for life for Abu Dhabi residents
Every card is checked against official bank sources. Last updated July 2026.
Spotted something out of date or incorrect? Tell us and we’ll fix it.
See all cashback credit cards in the UAE →
More from EmiratesNBD
dnata Platinum Credit Card
- Earn dnata Points (1 pt = 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, redeem 1:1 in AED at dnata Travel and participating stores
Updated July 2026
dnata World Credit Card
- Earn 15% back at dnata Travel, Costa and Emirates Leisure Retail; 10% at MMI, Arabian Adventures and Duty Free; 1.5% on all other retail
- dnata Points worth AED 1 each, credited instantly, never expire, redeemable at dnata Travel and participating stores
Updated July 2026
Perkly is independent and not affiliated with, endorsed by, or sponsored by any bank. All bank and product names and trademarks belong to their respective owners and are used for identification only.