Emirates NBD Mastercard Platinum
Lounge access and dining perks, no annual fee
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Judged as a free perks card, the Mastercard Platinum earns its keep: 900+ lounges, 30% off dining and golf discounts for no annual fee under the current offer. Judged as a rewards card, it doesn't — 'up to' 1.5% with an unpublished cap, and a fraction of that on essentials. Take the perks, skip the points math."
Earning and redeeming Plus Points
The card earns up to 1.5 Plus Points per 100 on retail spend — Emirates NBD presents this as up to 1.5% back. Essentials earn much less: 0.4% on supermarkets, groceries, insurance and car dealerships, and just 0.2% on fuel, utilities, real estate and education. A per-statement earning cap applies, and the bank doesn't publish the cap amount on the card page.
Redemption is the card's friendlier side: Plus Points can be redeemed instantly at key merchant outlets, so you can burn small balances at the till instead of saving for a catalogue. Check the Plus Points terms for current redemption partners and values before you count on a rate.
Rates and fees
- Annual fee
- No annual fee under the current offer (the KFS still lists 735 joining / 735 renewal — confirm the waiver when applying)
- Interest rate
- 3.69% per month (44.28% p.a.) on unpaid balances; 3.25% for UAE nationals
- Interest-free period
- 25–55 days when the full balance is paid
- Minimum salary
- 12,000 per month, age 21–63
- 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
- Over-limit fee
- 292.95 per month
- Minimum payment
- 5% of the outstanding balance 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
900+ airport lounges
Complimentary lounge access worldwide with Mastercard Travel Pass, covering more than 900 lounges.
Golf discounts
Up to 40% off at over 100 golf courses worldwide.
Bon Appétit dining
Up to 30% off at over 2,000 restaurants across the UAE.
Trip.com & Mastercard offers
Up to 10% off Trip.com bookings, plus Costa, Heathrow Express, ExpressVPN, Farfetch and Avis partner offers.
Purchase protection
Mastercard purchase protection on eligible purchases, with optional Credit Shield Pro cover (1.04% of the balance monthly).
Instant Plus Points redemption
Redeem Plus Points instantly at key merchant outlets — no catalogue required.
Pros and cons
- No annual fee under the bank's current offer
- Complimentary access to 900+ airport lounges via Mastercard Travel Pass — rare at this level
- Bon Appétit dining discounts of up to 30% at over 2,000 restaurants
- Up to 40% off at 100+ golf courses worldwide
- 0% instalment plans over 3–24 months at participating merchants
- Retail earn is 'up to' 1.5 Plus Points per 100, with an unpublished per-statement earning cap
- Supermarkets, groceries, insurance and car dealerships earn just 0.4%; fuel, utilities, real estate and education only 0.2%
- High 3.69% monthly interest rate (44.28% p.a.)
- 1.99% foreign-transaction fee plus a ~1.15% network fee on non- spend
- The KFS still lists a 735 joining/renewal fee — the no-fee offer could end
Is it right for you?
Get this card if
- You want lounge access, dining and golf perks without paying an annual fee.
- You earn 12,000+ a month and pay your balance in full.
- You'd rather redeem small point balances instantly at the till than chase transfer partners.
Consider skipping it if
- You want real rewards on everyday spend — 0.2–0.4% on essentials with a capped 1.5% headline earns very little.
- You spend heavily on groceries — a dedicated grocery or cashback card will out-earn this several times over.
- You carry a balance — 3.69% a month adds up faster than any perk pays back.
Alternatives to consider
Up to 7% back in LuLu Points on daily spends with no minimum spend — far stronger on the weekly basket than 0.4%.
Best grocery cards →
Also free for life, with a 75,000-mile welcome bonus and stronger travel earning at the same 12,000 salary.
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
Does the Mastercard Platinum Credit Card have an annual fee?+
Under the bank's current offer there are no annual fees. Note that Emirates NBD's Key Facts Statement still lists a standard AED 735 joining and renewal fee for the Platinum card, so confirm the waiver when you apply.
What is the minimum salary for the Mastercard Platinum card?+
You need a minimum monthly salary of AED 12,000, and you must be between 21 and 63 years old.
How many Plus Points do I earn?+
Up to 1.5 Plus Points per AED 100 on retail spend. Supermarkets, groceries, insurance and car-dealership spend earns 0.4%, while fuel, utilities, real estate and education earn 0.2%. A per-statement earning cap applies.
Does the card include airport lounge access?+
Yes — complimentary access to more than 900 airport lounges worldwide through Mastercard Travel Pass.
What dining discounts do I get?+
Up to 30% off at over 2,000 restaurants across the UAE through the Bon Appétit programme.
How do I redeem Plus Points?+
Plus Points can be redeemed instantly at key merchant outlets, and through Emirates NBD's rewards channels.
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.