Emirates NBD Darna Visa Infinite
Earn up to 15,000 Darna Points
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"This is really an Aldar membership that happens to be a credit card. If Yas Mall, Yas Island and Aldar hotels are your weekends, the 10% back and Platinum tier are unmatched in Abu Dhabi. If they aren't, 3,150 in first-year fees buys you a 1.5% card."
Earning and redeeming Darna Points
Darna Points have a fixed value — 10 points = 1 — and land automatically on every transaction once your card is registered on the Darna app. The headline rate is 10% value back across 1,200+ Aldar destinations: Yas Mall, Yas Island theme parks (via Aldar's Miral partnership), hotels, spas and golf courses. Aldar property and education payments are excluded from the 10% rate, though they do qualify for 0% instalment plans instead.
Everything outside Aldar earns 1.5%, with reduced tiers of 0.375% (groceries, supermarkets, fast food, insurance, car dealerships) and 0.15% (fuel, transit, government, utilities, real estate, education, telecom). Redemption is the strong suit: tell the cashier, pick "Darna Points" on the terminal, and pay — or convert points to gift cards and cashback in the Darna app.
Rates and fees
- Joining fee
- 1,575 one-time (inclusive of VAT)
- Annual fee
- 1,575 per year — no first-year waiver
- Welcome bonus
- Up to 15,000 Darna Points — 7,500 on paying the joining fee + 7,500 on 20,000 spend in 3 months
- Interest rate
- 3.25% per month (39% p.a.) on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Minimum salary
- 30,000 per month
- Foreign transaction fee
- 1.99% plus Visa's ~1.15% scheme fee
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Supplementary cards
- Free issuance
- Card network
- Visa Infinite
Rates shown are from the Emirates NBD Key Facts Statement and Credit Card Price Guide, inclusive of 5% VAT, and are subject to change by the bank.
Card benefits
Darna Platinum tier
Automatic top-tier Darna membership: reserved Yas Mall parking, up to 40% off hotel stays and 30% off dining at select Yas Island hotels, and beach-club discounts.
Unlimited lounge access
Unlimited visits for you and one guest at 1,000+ lounges in 300+ cities via the Visa Airport Companion app.
Golf privileges
Complimentary golf twice a month across the UAE and up to 40% off premium courses worldwide, with 5,000 monthly card spend.
Valet parking
Complimentary valet at Yas Mall, Ferrari World, Warner Bros. and other Abu Dhabi locations, with 5,000 monthly card spend.
VOX cinema BOGO
Buy 1 Get 1 free movie tickets at VOX Cinemas, plus 20% off Yas Island theme park tickets.
Protection & assistance
Purchase protection, 12-month extended warranty, 24/7 roadside assistance and optional Credit Shield Pro cover.
Pros and cons
- 10% value back at 1,200+ Aldar destinations — Yas Mall, Yas Island parks, hotels and golf
- Points redeem instantly at the till at a fixed 10 points = 1
- Automatic Darna Platinum tier: hotel, dining, beach-club and parking perks
- Unlimited airport lounge access for the cardholder plus one guest
- 0% instalment plans at no cost on Aldar Education & Property
- 1,575 joining fee plus 1,575 annual fee — no waiver
- 30,000 minimum salary shuts out most applicants
- Only 1.5% back outside Aldar, dropping to 0.375% or 0.15% on many everyday categories
- Golf, cinema, valet and concierge perks all need 5,000 monthly spend
- 1.99% foreign-currency fee plus Visa's ~1.15% scheme charge
Is it right for you?
Get this card if
- You spend thousands a month at Yas Mall, Yas Island parks, Aldar hotels or golf courses
- You earn 30,000+ and want lounge access plus a genuinely useful concierge
- You pay Aldar school fees or property instalments and want them at 0% with no fees
- You value points you can spend instantly at the till, not a redemption portal
Consider skipping it if
- Most of your spending happens outside the Aldar ecosystem
- You won't reliably clear 5,000 a month to unlock the lifestyle perks
- You want a fee waiver — this card charges 3,150 in year one
- Your salary is under 30,000 — the Darna Signature covers you for less
Alternatives to consider
7.5% back at Aldar destinations with a Darna Gold tier — currently free for life and needing only 12,000 salary.
The Dubai mirror image: U by Emaar rewards across Emaar malls, hotels and attractions instead of Aldar's Abu Dhabi network.
Similar fee and salary tier, but earnings become Skywards Miles and lounge perks aimed at frequent Emirates flyers.
Best travel cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee for the Emirates NBD Darna Visa Infinite?+
AED 1,575 per year (inclusive of VAT), plus a one-time AED 1,575 joining fee. There is no first-year waiver on this card.
What is the minimum salary for the Darna Visa Infinite?+
AED 30,000 per month — this is the premium card in the Darna range.
How much are Darna Points worth?+
10 Darna Points = AED 1 on redemption, a fixed 10 fils per point. You redeem them instantly at the POS terminal across 1,200+ Aldar destinations, or via the Darna app for gift cards and cashback.
What is the welcome bonus?+
Up to 15,000 Darna Points (AED 1,500 value): 7,500 points on payment of the joining fee and 7,500 more when you spend AED 20,000 in the first 3 months.
Does the Darna Visa Infinite include airport lounge access?+
Yes — unlimited complimentary access for the cardholder and one guest at 1,000+ lounges in 300+ cities, via the Visa Airport Companion app.
What Darna tier do I get with this card?+
Automatic Darna Platinum tier — reserved parking at Yas Mall, up to 40% off hotel stays and 30% off dining at select Yas Island hotels, beach-club discounts and more, for as long as the tier terms allow.
Do the lifestyle benefits have conditions?+
Yes. Golf (twice monthly), VOX cinema Buy 1 Get 1, valet parking and the concierge service each require at least AED 5,000 of card spend in the month you use the benefit.
What interest rate does this card charge?+
3.25% per month (39% p.a.) on retail purchases and cash advances if you don't pay in full. Up to 55 interest-free days apply when you clear the full balance.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.