CashbackAbu Dhabi residents onlyAbu Dhabi
EmiratesNBD
Duo Credit Card
The Duo Credit Card is a cashback credit card from EmiratesNBD. It has an annual fee of AED 840, and needs a minimum salary of AED 12,000 a month.
Annual fee
AED 840
Joining fee
AED 840
Min. salary
AED 12,000/mo
Rewards in
Plus Points
Min. monthly spend
AED 5,000
Material
Plastic
Card highlights
- 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
- BOGO cinema at Cine Royal (up to 3 free tickets/month) and complimentary access to 6 UAE golf courses
- Roadside assistance twice a year and 6 complimentary local courier deliveries a year
Earn rates
| Category | Rate |
|---|---|
| Retail | 5% |
| Supermarket | 5% |
| Fuel | 5% |
| Utilities | 5% |
| Education | 5% |
| Travel | 0.5% |
| Dining & food | 0.5% |
| Transport | 0.5% |
| Online shopping | 0.5% |
| International spend | 0.5% |
| Real estate | 0.5% |
Rewards on this card are capped at AED 500 a month across all categories (about AED 6,000 a year).
Current welcome offer
No annual fees for Abu Dhabi residents, limited-time offer
- Annual fee of AED 840 waived; joining fee of AED 840 still applies
- Available to Abu Dhabi residents only
Benefits & perks
- •2-in-1 card package: Diners Club and Mastercard Platinum issued together
- •Airport lounge access on the Mastercard: 25+ regional and international LoungeKey, marhaba and CAC lounges (UAE, Saudi Arabia, UK and more)
- •Airport lounge access on the Diners Club: 1,900+ premium lounges worldwide
- •Supplementary cardholders can use the lounge benefit on both cards
- •Complimentary access to 6 golf courses across the UAE (with AED 5,000 monthly spend)
- •Buy 1 get 1 movie ticket at Cine Royal: up to 3 free tickets per month, plus 15% off food and beverages
- •Complimentary roadside assistance (recovery, towing, fuel delivery, battery boost): 2 times per calendar year
- •Concierge desk: up to 6 local courier deliveries per year, plus annual car servicing and car registration assistance
- •0% easy payment plans at select merchant outlets
- •Utility bill payments facility
About this card
- •Plus Points value: AED 1.00 per point (redeemable for nol top-ups, e-vouchers, education fees, and charitable donations)
Every card is checked against official bank sources. Last updated September 2026.
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Featured in the Perkly Card Index
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