Emirates NBD dnata World
Earn up to 2,500 dnata Points
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Almost every UAE card quietly skims 2% or more off your overseas spending — this one doesn't, and that's its best feature. The dnata earn rates are strong but only matter if Costa runs, Duty Free hauls and dnata Travel bookings are already part of your life. Do the maths on the 1,048.95 fee before you commit; abroad-heavy spenders will clear it, homebodies won't."
Earning and redeeming dnata Points
Earning follows a simple ladder: 15% back in dnata Points at dnata-owned brands (Costa Coffee, City Sightseeing, Giraffe, dnata Travel), 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and on Duty Free shopping, and 1.5% on everything else. That base rate is respectable, and the welcome offer adds up to 2,500 points — 1,000 for paying the joining fee, 1,500 for 25,000 of retail spend in the first 3 statements.
Redemption stays inside the dnata ecosystem — dnata Travel bookings across 130+ airlines and thousands of hotels, plus the partner brands — via the bank's 'Redeem dnata Points' guide. Points are not cash in your account and don't transfer to airline programs, so value the card by how much of your life already runs through dnata.
Rates and fees
- Annual fee
- 1,048.95 per year, and the same again as a joining fee (VAT inclusive) — no first-year waiver
- Welcome offer
- Up to 2,500 dnata Points: 1,000 on fee payment + 1,500 on 25,000 spend within 3 statements
- Interest rate
- 3.25% per month (39% p.a.) on unpaid balances
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum salary
- 20,000 per month
- Foreign transaction fee
- 0% — the bank's 1.99% markup is waived; Mastercard's ~1.15% network processing fee may still apply
- 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 World
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
0% forex markup
The bank's 1.99% foreign-currency fee is waived on dnata World — spend abroad without the usual bank markup.
1,000+ airport lounges
Complimentary access to over 1,000 premium lounges in 300+ cities worldwide via Mastercard Travel Pass.
Complimentary golf
Free access to top golf courses across the UAE.
Valet parking
Complimentary valet parking at selected locations in Abu Dhabi.
Concierge desk
A concierge team for bookings, errands and arrangements, plus Mastercard global emergency services.
Travel insurance
Mastercard travel medical & inconvenience insurance, with a confirmation letter available on request.
Pros and cons
- 0% bank forex markup on international spend — genuinely rare in the UAE
- 15% back in dnata Points at Costa Coffee, City Sightseeing, Giraffe and dnata Travel; 10% on Duty Free
- Solid 1.5% points-back base rate on all other retail spend
- Lounge access, golf, concierge and Abu Dhabi valet parking included
- 3.25% monthly interest rate — lower than most ENBD cards
- 1,048.95 joining fee AND the same again every year — not waived for year one
- Top earn rates are locked to a narrow list of dnata-owned brands
- dnata Points redeem within the dnata ecosystem, not as open cash or airline miles
- 20,000 minimum salary puts it out of most applicants' reach
- Mastercard's ~1.15% network processing fee can still apply on non- spend despite the 0% bank markup
Is it right for you?
Get this card if
- You spend heavily in foreign currency — the 0% bank markup can save more than the fee on ~ 53,000+ of overseas spend.
- Costa Coffee, Duty Free and dnata Travel bookings are already part of your routine — that's where the 10–15% rates live.
- You earn 20,000+ a month and want lounge access, golf and concierge in one card.
Consider skipping it if
- Most of your spending is local and in — you'd be paying 1,048.95 a year mainly for a forex feature you won't use.
- You want flexible rewards — dnata Points redeem within the dnata ecosystem, not as cash or airline miles.
- You'd rather not pay a joining fee at all — ENBD's free-for-life Voyager World covers lounge access without one.
Alternatives to consider
Half the fee ( 525), the same dnata partner earning at slightly lower rates, and just 5,000 minimum salary — without the 0% forex perk.
Free for life with Mastercard Travel Pass lounge access and a 75,000-mile welcome bonus — travel perks without the annual bill.
Best no-annual-fee cards →
At a similar premium fee, Skywards Infinite pays miles straight into your Emirates account — more flexible than dnata-ecosystem points.
Best Emirates Skywards 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
Does the dnata World card really have no foreign-transaction fee?+
The bank's 1.99% currency-conversion fee is waived for dnata World cards, and the card page advertises a 0% forex fee. Note that Mastercard's own network processing fee (approximately 1.15%) is charged separately and may still apply.
What is the annual fee on the dnata World card?+
AED 1,048.95 joining fee and AED 1,048.95 annual fee (both inclusive of VAT). There is no first-year waiver.
What welcome bonus does the dnata World card offer?+
Up to 2,500 dnata Points: 1,000 points on payment of the joining fee, plus 1,500 points when you spend AED 25,000 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, Giraffe and dnata Travel; 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and on Duty Free shopping; and 1.5% on all other retail spend.
What is the minimum salary for the dnata World card?+
AED 20,000 per month.
Does the dnata World card include airport lounge access?+
Yes — complimentary access to more than 1,000 premium lounges in over 300 cities worldwide through Mastercard Travel Pass.
What is the interest rate on the dnata World card?+
3.25% per month (39% per annum) on unpaid balances, with a minimum payment of 5% of the outstanding or AED 100, whichever is higher.
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.