Emirates NBD Diners Club
Unlimited lounge access worldwide
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Unlimited lounge visits for 420 a year — with supplementary cards included — is the best lounge-per- deal in ENBD's lineup, full stop. Everything else about the card is ordinary: thin rewards, a capped 0.5% base rate, and a network you can't rely on at every till. Buy it as a lounge membership that happens to be a credit card, and pair it with a Visa or Mastercard for actual spending."
Earning and redeeming Plus Points
Rewards are straightforward but modest: 5% back in Plus Points on Duty Free, 2.5% on dining and 0.5% on everything else, with an earning cap per statement whose exact ceiling the bank doesn't publish on the card page. There is no welcome bonus advertised on this card.
Redemption is the card's small pleasure: instant Plus Points redemption at key merchant outlets, so points convert to real-world value on the spot rather than sitting in a portal. Even so, the earn rates make clear this is a benefits card, not a rewards engine.
Rates and fees
- Annual fee
- 420 per year (VAT inclusive)
- Minimum salary
- 12,000 per month; eligible age 21–63 years
- Interest rate
- Not published for this card on the bank's page or price guide — confirm with the bank before applying
- Interest-free period
- 25–55 days when the full balance is paid
- Foreign transaction fee
- 1.99% bank fee plus scheme processing fees on non- spend
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Minimum payment
- 5% of the outstanding or 100, whichever is higher
- Supplementary cards
- Free — and they share the unlimited lounge benefit
- Card network
- Diners Club International
Rates verified against Emirates NBD's Key Facts Statement (08/2026) and credit-card price guide (Feb 2026), both VAT-inclusive; this card's interest rate is not itemised there. Always confirm on the issuer's site before applying.
Card benefits
Unlimited lounge access
Unlimited complimentary visits to 1,500+ premium lounges in 700+ cities worldwide — supplementary cardholders included.
30% dining discounts
Up to 30% off at more than 2,000 restaurants across the UAE.
Purchase insurance
Free insurance on big purchases made with the card.
Worldwide Diners savings
Exclusive Diners Club savings on travel, dining and entertainment across the globe.
Instant points redemption
Redeem Plus Points instantly at key merchant outlets.
Emergency & roadside help
Emergency and security services, free 24/7 roadside assistance and automatic Salik top-up.
Pros and cons
- Unlimited lounge access at 1,500+ lounges in 700+ cities — for an 420 fee
- Supplementary cardholders also get lounge access, rare at this price
- Up to 30% off at more than 2,000 restaurants across the UAE
- Free insurance on big purchases plus roadside assistance and emergency services
- 5% back in Plus Points on Duty Free and 2.5% on dining
- Diners Club acceptance is far narrower than Visa or Mastercard, especially online and abroad
- Weak 0.5% base earn, with a Plus Points cap per statement
- No welcome bonus advertised
- 1.99% foreign-transaction fee plus scheme processing fees on non- spend
- The bank does not publish this card's interest rate on the page or in its price guide
Is it right for you?
Get this card if
- You fly several times a year and want unlimited lounge access at the lowest fee in ENBD's lineup.
- You add supplementary cards for family — they get the lounge benefit too.
- You eat out often and will actually use the 30% discounts at 2,000+ UAE restaurants.
Consider skipping it if
- You want one card for everything — Diners Club acceptance can't match Visa or Mastercard at everyday merchants.
- You care about rewards — 0.5% base earn with a per-statement cap and no welcome bonus is near the bottom of the market.
- You might carry a balance — the bank doesn't publish this card's interest rate, which is reason enough for caution.
Alternatives to consider
Free for life on Mastercard with Travel Pass lounge access and a 75,000-mile welcome bonus — no acceptance worries at the till.
Best lounge access cards →
0% bank forex markup, up to 15% back at dnata brands and 1,000+ lounges — a stronger travel package if the 1,048.95 fee fits.
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 on the Emirates NBD Diners Club card?+
AED 420 per year. The bank advertises free insurance on big purchases alongside it; a joining fee is not published on the card page.
Does the Diners Club card really offer unlimited lounge access?+
Yes — unlimited complimentary visits for the cardholder at more than 1,500 premium lounges in over 700 cities worldwide, and supplementary cardholders can use the benefit too.
What is the minimum salary for the Diners Club card?+
AED 12,000 per month, with an eligible age range of 21 to 63 years.
How do I earn Plus Points with the Diners Club card?+
5% back on Duty Free, 2.5% on dining and 0.5% on all other spend. A Plus Points earning cap applies per statement, and points can be redeemed instantly at key merchant outlets.
Where is Diners Club accepted?+
Diners Club is a smaller payment network than Visa or Mastercard. It is widely accepted at travel, dining and entertainment merchants globally, but coverage is thinner at everyday retailers — many cardholders pair it with a Visa or Mastercard.
What dining discounts does the Diners Club card include?+
Up to 30% off at more than 2,000 restaurants across the UAE, plus exclusive Diners Club savings on travel, dining and entertainment worldwide.
Does the Diners Club card support instalment plans?+
Yes — 0% easy payment plans at select merchant outlets over 3, 6, 12 or 24 months, plus a utility bill payments facility.
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.