EmiratesNBD
Visa Platinum Credit Card
The Visa 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 1.00)
- Up to 30% off at 2,000+ restaurants via Bon Appetit, up to 50% off health and fitness via LiveWell
- Visa Luxury Hotel Collection access at 900+ properties
- No annual fee (promotional)
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
- Note: the joining fee of AED 735 is not waived by this offer
- No end date published
Benefits & perks
- •Bon Appétit dining discount: up to 30% off at over 2,000 restaurants across the UAE
- •LiveWell health and fitness discount: up to 50% off
- •Visa Luxury Hotel Collection access at over 900 properties
- •Purchase protection against theft or accidental damage
- •0% Easy Payment Plans over 3, 6, 12 or 24 months at participating merchants
About this card
- •Plus Points redeemable at AED 1.00 per point via nol top-ups, e-vouchers, education fees, or charitable donations
Every card is checked against official bank sources. Last updated November 2026.
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Featured in the Perkly Card Index
Questions people ask
What does the EmiratesNBD Visa Platinum Credit Card earn?
An Emirates NBD Visa card 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 0.2 on fuel 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 Visa 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. Interest 3.69% a month (3.25% for UAE nationals), with up to 55 interest-free days on retail purchases; minimum payment 5% of the outstanding balance or AED 100, whichever is higher.
What does spending abroad cost on the EmiratesNBD Visa 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 Visa, 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 1.5 on other spending.
What should I watch out for with the EmiratesNBD Visa Platinum Credit Card?
The current offer waives the annual fee only; Emirates NBD's Key Facts Statement still lists an AED 735 joining fee. Supermarkets and groceries earn only 0.4 Plus Points per AED 100, and fuel, transit and utility bills 0.2. This card has no airport lounge access on record.
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 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 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