Emirates NBD Mastercard Titanium
A free starter card from 5,000 salary
at Emirates NBD's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"At an 5,000 salary and zero fees, the Titanium is a sensible first credit card — you get Bon Appétit dining, Mastercard offers and 0% instalments for nothing. Just read the lounge line carefully: it's a Flight Delay Pass, not lounge access, and the points are too thin to chase."
Earning and redeeming Plus Points
The Titanium earns up to 1 Plus Point per 100 on retail spend — the bank frames this as up to 1% back. Essentials earn less: 0.4% on supermarkets, groceries, insurance and car dealerships, and 0.2% on fuel, utilities, real estate and education. A per-statement earning cap applies, and the cap amount isn't published on the card page.
Redemption is simple: instant Plus Points redemption at key merchant outlets, so small balances get used rather than forgotten. Treat the points as a rounding error on a free card — the dining programme and Mastercard offers are where the actual value sits.
Rates and fees
- Annual fee
- No joining or annual fees under the current offer (the KFS still lists 420 joining / 420 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
- 5,000 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 Titanium
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
Bon Appétit dining
An exclusive dining programme with offers at restaurant brands and outlets across the Middle East and Africa.
Flight Delay Pass
Complimentary lounge access when your flight is delayed — the card's only lounge benefit.
Mastercard offers
Booking.com discounts, 25% off Zee5, Lingokids, Avis, Heathrow Express and ExpressVPN partner offers.
Instant Plus Points redemption
Redeem Plus Points instantly at key merchant outlets.
Auto Salik top-up
Automatic Salik recharges from your card so you never run out of toll balance.
Credit Shield Pro (optional)
Optional balance cover at 1.04% of the outstanding monthly, with death, hospitalisation and job-loss benefits.
Pros and cons
- No joining or annual fees under the bank's current offer
- Accessible 5,000 minimum salary
- Bon Appétit dining programme and Mastercard partner offers (Booking.com, Zee5, Lingokids)
- Free lounge access via Flight Delay Pass when your flight is delayed
- 0% instalment plans over 3–24 months and auto Salik top-up
- Weak earning — 'up to' 1 Plus Point per 100, with an unpublished per-statement cap
- Essentials earn even less: 0.4% on groceries and supermarkets, 0.2% on fuel, utilities, real estate and education
- No standing airport lounge access — lounges open only when your flight is delayed
- High 3.69% monthly interest rate (44.28% p.a.)
- 1.99% foreign-transaction fee plus a ~1.15% network fee on non- spend
Is it right for you?
Get this card if
- You earn 5,000+ and want a free first credit card from a major bank.
- You'll actually use Bon Appétit dining offers and Mastercard partner deals.
- You want 0% instalment plans and Salik auto top-up on a no-fee card.
Consider skipping it if
- You expect airport lounge access — this card only opens lounges when your flight is delayed.
- You want meaningful rewards — a capped 'up to 1%' with 0.2–0.4% on essentials earns very little.
- You earn 12,000+ — the Mastercard Platinum adds real lounge access and stronger perks for the same 0.
Alternatives to consider
The same 0 under the current offer, but with real lounge access at 900+ airports, 30% off dining and 1.5% earning.
Best credit cards overall →
Also free for life, and earns LuLu Points on daily shopping at rates this card can't approach.
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Frequently asked questions
Does the Mastercard Titanium Credit Card have an annual fee?+
Under the bank's current offer there are no joining fees and no annual fees. Emirates NBD's Key Facts Statement still lists a standard AED 420 joining and renewal fee for the Titanium card, so confirm the waiver when you apply.
What is the minimum salary for the Mastercard Titanium card?+
You need a minimum monthly salary of AED 5,000, and you must be between 21 and 63 years old.
How many Plus Points do I earn?+
Up to 1 Plus Point 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 Titanium card include airport lounge access?+
Not as a standing benefit. The card comes with a Mastercard Flight Delay Pass, which gives you complimentary lounge access when your flight is delayed.
What dining benefits do I get?+
Access to the Bon Appétit dining programme — an exclusive dining experience with offers at restaurant brands and outlets across the Middle East and Africa.
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.