EmiratesNBD
Mastercard Platinum Credit Card
The Mastercard Platinum Credit Card is a rewards credit card from EmiratesNBD. It has an annual fee of AED 735, and needs a minimum salary of AED 12,000 a month.
Annual fee
AED 735
Joining fee
AED 735
Min. salary
AED 12,000/mo
Rewards in
Plus Points
Material
Plastic
Card highlights
- 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)
- Up to 30% off at 2,000+ UAE restaurants; 10% off flights and hotels via Trip.com
- Up to 4 complimentary valet parking visits a month at selected Abu Dhabi locations
Earn rates
| Category | Rate |
|---|---|
| Travel | 1.5% |
| Retail | 1.5% |
| Dining & food | 1.5% |
| Online shopping | 1.5% |
| International spend | 1.5% |
| Supermarket | 0.4% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Transport | 0.2% |
| Real estate | 0.2% |
Rewards on this card are capped at AED 2,000 a month across all categories (about AED 24,000 a year).
Spends originating in European Union countries and the United Kingdom earn a reduced 0.4% in Plus Points, against 1.5% on other spend.
Current welcome offer
No annual fees on this card
- Annual fee of AED 735 waived, though the standard joining fee of AED 735 still applies
- No end date published for this offer
Benefits & perks
- •Complimentary airport lounge access at 900+ lounges via Mastercard Travel Pass (registration on Mastercard Travel App required from 1 May 2025)
- •Up to 4 lounge visits or airport dining offers per calendar year (1 visit usable before any foreign spend; remaining visits require a prior international transaction of at least USD 1)
- •Up to 4 complimentary valet parking sessions per month at selected Abu Dhabi locations (requires AED 5,000 monthly spend)
- •Up to 30% discount at 2,000+ restaurants across the UAE
- •Up to 40% discount at 100+ golf courses worldwide (AED 30 processing fee per booking applies)
- •10% off flights and hotel bookings on Trip.com with promo code MCTRIP10
- •Mastercard travel, lifestyle and shopping discounts and experiences
- •0% Easy Payment Plans at selected merchant outlets
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 November 2026.
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Questions people ask
What does the EmiratesNBD Mastercard Platinum Credit Card earn?
An Emirates NBD Mastercard for a minimum salary of AED 12,000, earning 1.5 Plus Points per AED 100 (about 1.5%) on most retail spending but only 0.4 on supermarkets and on spending in the EU and the UK, and 0.2 on fuel, transit and bills, capped at 2,000 Plus Points a statement, with the AED 735 annual fee currently waived but an AED 735 joining fee.
What does the EmiratesNBD Mastercard Platinum Credit Card cost?
Joining fee AED 735 including VAT, which the current offer does not waive. Annual fee AED 735 including VAT, waived under Emirates NBD's current 'No Annual Fees' offer.
What does spending abroad cost on the EmiratesNBD Mastercard Platinum Credit Card?
Spending abroad costs at least 3.14% all in: Emirates NBD's 1.99% on non-AED transactions plus about 1.15% charged by Mastercard, both published by Emirates NBD, plus any mark-up the merchant's acquirer charges, which Emirates NBD does not quantify. Spending originating in European Union countries and the UK earns 0.4 Plus Points per AED 100 rather than 1.5; other spending abroad earns 1.5.
What should I watch out for with the EmiratesNBD Mastercard Platinum Credit Card?
The current offer waives the annual fee only; Emirates NBD still publishes an AED 735 joining fee. Supermarkets and groceries, and spending in the EU and the UK, earn only 0.4 Plus Points per AED 100, and fuel, transit and utilities 0.2. Lounge access is 4 visits a calendar year, and after the first it needs an international transaction of at least USD 1 in the 3 months before each visit, or USD 32 a visit; Emirates NBD's lounge rules also require AED 5,000 of card spending in the month you use it, where Emirates NBD applies that rule.
More from EmiratesNBD
Emirates NBD Mastercard Titanium Credit Card
- 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
Emirates NBD Visa Platinum Credit Card
- 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
Emirates NBD Go4it Gold Credit Card
- 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