Emirates NBD dnata Platinum
Earn up to 1,000 dnata Points
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"At a 5,000 salary, cards with any lounge access are thin on the ground, and that's the dnata Platinum's real pitch. The dnata earn rates look generous but they're confined to a handful of brands, and the 1% base rate in ecosystem points won't move the needle. If you'd have paid for lounge entry anyway, the 525 can work; otherwise it's a fee in search of a justification."
Earning and redeeming dnata Points
The ladder runs: 15% back at Costa Coffee, City Sightseeing and Giraffe, 10% at dnata Travel, MMI, Al Hamra Cellar, Arabian Adventures and Le Clos, 5% on Duty Free and 1% on everything else. Note the demotion versus the dnata World card — dnata Travel drops from the 15% tier to 10%, and Duty Free halves to 5%. The welcome offer adds up to 1,000 points: 500 for paying the joining fee, 500 for 10,000 of retail spend in the first 3 statements.
Redemption happens within the dnata ecosystem — dnata Travel and the partner brands — via the bank's 'Redeem dnata Points' guide. Points aren't cash and don't convert to airline miles, so the card only makes sense if dnata brands already feature in your spending.
Rates and fees
- Annual fee
- 525 per year, plus a 525 joining fee (VAT inclusive) — no first-year waiver
- Welcome offer
- Up to 1,000 dnata Points: 500 on fee payment + 500 on 10,000 spend within 3 statements
- Interest rate
- 3.69% per month (44.28% p.a.); 3.25% for UAE nationals
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum salary
- 5,000 per month
- Foreign transaction fee
- 1.99% bank fee plus ~1.15% network processing fee 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
- Card network
- Mastercard Platinum
Rates verified against Emirates NBD's Key Facts Statement (08/2026) and credit-card price guide (Feb 2026), both VAT-inclusive. Always confirm on the issuer's site before applying.
Card benefits
Airport lounge access
Complimentary lounge access worldwide with Mastercard Travel Pass every time you travel.
dnata partner earning
Up to 15% back in dnata Points at Costa Coffee, City Sightseeing and Giraffe, and 10% at dnata Travel and partner brands.
Purchase protection
Mastercard purchase protection on eligible items bought with the card.
0% instalment plans
Split purchases at participating merchants over 3, 6, 12 or 24 months at 0% interest.
Mastercard offers
Booking.com discounts, Bicester Village shopping privileges and Lingokids offers via Mastercard.
Dining deals
20–25% off at partner restaurants across Dubai through the bank's GoodTimes dining offers.
Pros and cons
- Low 5,000 salary requirement for a card with lounge access
- 15% back at Costa Coffee, City Sightseeing and Giraffe; 10% at dnata Travel and partners
- Up to 1,000 dnata Points welcome bonus with a modest 10,000 spend hurdle
- 0% instalment plans over 3–24 months and free supplementary cards
- 525 joining fee plus 525 every year — no first-year waiver
- Weak 1% base earn, paid in dnata Points rather than cash or miles
- High 3.69% monthly interest rate (44.28% p.a.)
- 1.99% foreign-transaction fee — the 0% forex perk is reserved for the dnata World card
- Duty Free earn drops to 5% versus 10% on the World version
Is it right for you?
Get this card if
- You earn 5,000–12,000 a month and still want airport lounge access.
- Costa Coffee, Duty Free and dnata Travel bookings are already part of your spending.
- You want an affordable first travel card with 0% instalment plans on the side.
Consider skipping it if
- You spend mostly on everyday retail — 1% back in dnata-ecosystem points is weak for 525 a year.
- You spend a lot abroad — the 1.99% forex fee applies here; the 0% perk is only on the dnata World.
- You can qualify for a free-for-life card with lounge access, like ENBD's Voyager World at 12,000 salary.
Alternatives to consider
Double the fee but 0% forex markup, 1.5% base earn and the full 15% tier including dnata Travel — the better dnata card for travellers.
Free for life with the same Mastercard Travel Pass lounge access and a 75,000-mile welcome bonus — if you clear the 12,000 salary bar.
Best no-annual-fee 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 dnata Platinum card?+
AED 525 joining fee and AED 525 annual fee (both inclusive of VAT). There is no first-year waiver.
What is the minimum salary for the dnata Platinum card?+
AED 5,000 per month — one of the lowest entry points among Emirates NBD travel cards.
What welcome bonus does the dnata Platinum card offer?+
Up to 1,000 dnata Points: 500 points on payment of the joining fee, plus 500 points when you spend AED 10,000 on retail purchases within the first 3 billing statements.
How do I earn dnata Points with this card?+
15% back at Costa Coffee, City Sightseeing and Giraffe; 10% at dnata Travel, MMI, Al Hamra Cellar, Arabian Adventures and Le Clos; 5% on Duty Free shopping; and 1% on all other retail spend.
Does the dnata Platinum card include airport lounge access?+
Yes — complimentary lounge access worldwide through Mastercard Travel Pass. The bank does not publish a lounge count or visit limit for this card.
What is the interest rate on the dnata Platinum card?+
3.69% per month (44.28% p.a.) on unpaid balances — 3.25% for UAE nationals — with a minimum payment of 5% of the outstanding or AED 100, whichever is higher.
Is there a foreign-transaction fee on the dnata Platinum card?+
Yes — 1.99% of the transaction amount, plus Mastercard's ~1.15% network processing fee. Unlike the dnata World card, the forex fee is not waived on the Platinum.
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.