EmiratesNBD
Mastercard Titanium Credit Card
The Mastercard Titanium Credit Card is a rewards credit card from EmiratesNBD. It has an annual fee of AED 420, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 420
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Plus Points
Material
Plastic
Card highlights
- 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
- Bon Appetit dining experience and Mastercard travel, lifestyle and shopping offers
- Redeem Plus Points for nol top-ups, school fees, flights, hotels, gift cards or in-store instantly
Earn rates
| Category | Rate |
|---|---|
| Travel | 1% |
| Retail | 1% |
| Dining & food | 1% |
| Online shopping | 1% |
| International spend | 1% |
| 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 1,000 a month across all categories (about AED 12,000 a year).
Spends originating in European Union countries and the United Kingdom earn a reduced 0.4% in Plus Points, against 1% on other spend.
Current welcome offer
No joining fees and no annual fees, limited-time offer
- Standard joining fee of AED 420 and annual fee of AED 420 both currently waived
Benefits & perks
- •Complimentary airport lounge access when your flight is delayed (Flight Delay Pass)
- •Bon Appetit exclusive dining programme
- •Mastercard travel, lifestyle and shopping discounts and experiences
- •0% easy payment plans over 3, 6, 12 or 24 months at participating merchants
- •Instant Plus Points redemption at key merchant outlets
- •Utility bill payments facility
- •Salik auto top-up (extendable to supplementary cardholders)
About this card
- •Plus Points redemption value: AED 1.00 per point (best routes: nol top-ups, e-vouchers, education fees, 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 Titanium Credit Card earn?
An entry-level Emirates NBD Mastercard for a minimum salary of AED 5,000, earning 1 Plus Point per AED 100 (about 1%) on most retail spending but only 0.4 on supermarkets and 0.2 on fuel, transit and bills, capped at 1,000 Plus Points a statement, with joining and annual fees currently waived.
What does the EmiratesNBD Mastercard Titanium Credit Card cost?
No joining fee and no annual fee under Emirates NBD's current offer; the standard fees in its Key Facts Statement are AED 420 to join and AED 420 a year, including VAT.
What does spending abroad cost on the EmiratesNBD Mastercard Titanium 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 a reduced 0.4 Plus Points per AED 100, against 1 Plus Point per AED 100 on other spending.
What should I watch out for with the EmiratesNBD Mastercard Titanium Credit Card?
Rewards are capped at 1,000 Plus Points a statement; by Perkly's arithmetic, at 1 Plus Point per AED 100 that takes about AED 100,000 of retail spending in a statement. Supermarkets and groceries, and spending in the EU and the UK, earn only 0.4 Plus Points per AED 100, and fuel, transit and utility bills 0.2. The lounge benefit on record is only for delayed flights, not ordinary lounge access.
More from EmiratesNBD
Emirates NBD Mastercard Platinum Credit Card
- 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
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