Emirates NBD noon One Visa
500 bonus + up to 20% back on noon
at Emirates NBD's secure site
Card issued instantly on approval. Terms apply. See rates & fees.
Rewards rate
"For anyone whose dinner, groceries and shopping already arrive in a noon van, this is easy money: 20% back on noon Food and a free noon One membership on a card that costs nothing. The honest framing is that it's a noon loyalty card, not an everything card — credits never leave noon, groceries earn 0.30%, and the 2,000-credit cap arrives faster than you'd think."
Earning and redeeming noon credits
Earning is tiered by platform: 20% back on noon Food, 10% on NowNow, and 5% on noon, noon Minutes, Namshi and supermall, all as noon credits. Everything else earns 1%, except the long penalty list — groceries and supermarkets, utilities, telecom, education, insurance, real estate, government services, fast food, entertainment, financial and professional services, and EU-originated spends — which earns 0.30%. The hard ceiling is 2,000 credits per billing cycle.
Redemption is automatic: credits land in the noon account linked to your card and you spend them at checkout on noon's platforms through the app or website. They hold their value for 5 years from accrual, but they are noon money, not cash — there is no statement credit, transfer or cash-out option.
Rates and fees
- Annual fee
- Free for life — no joining fee and no renewal fee, confirmed in the bank's KFS and price guide
- Welcome bonus
- 500 cashback on 5,000 spend in the first two calendar months — new-to-bank/new-to-card customers only
- 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 payment
- 5% of the outstanding or 100, whichever is higher
- 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
- Card network
- Visa
Rates verified against Emirates NBD's Key Facts Statement (08/2026), credit-card price guide (Feb 2026) and the noon One special-features terms, all VAT-inclusive. Always confirm on the issuer's site before applying.
Card benefits
Up to 20% back on noon
20% on noon Food, 10% on NowNow and 5% across noon, noon Minutes, Namshi and supermall — capped at 2,000 credits a cycle.
Free noon One membership
One year of noon One free (free delivery and member perks), then 50% off the annual membership.
15% off noon Minutes
Code ENBD15 takes 15% off non-electronics on 5 orders a month, up to 30 per order.
Buy 1 Get 1 movies
Up to 3 free tickets a month at VOX (Reel Cinemas from 1 Aug 2026) when you spend 3,500 in the cycle.
Instant issuance
The card is issued instantly on successful application, ready for online use.
Dining & lifestyle programmes
Bon Appétit restaurant discounts, LiveWell fitness and wellness offers and GoodTimes entertainment deals.
Pros and cons
- No annual fee, ever, at an accessible 5,000 salary
- 20% back on noon Food, 10% on NowNow and 5% across noon, noon Minutes, Namshi and supermall
- 500 cashback welcome bonus on 5,000 spend in the first two months
- Free noon One membership for a year (then 50% off) plus 15% off noon Minutes orders
- Card issued instantly on approval, and noon credits land automatically in your noon account
- Earning capped at 2,000 noon credits per billing cycle
- Credits are only spendable on noon platforms — not cash in your pocket
- Weak 1% base rate, cut to 0.30% on groceries, utilities, education, telecom and other penalty categories
- Welcome bonus is restricted to customers without an active Emirates NBD credit card
- Movie BOGO needs 3,500 monthly spend — tickets are charged back if you miss it
- High 3.69% monthly interest rate (44.28% p.a.)
Is it right for you?
Get this card if
- You order from noon, noon Food, NowNow or Namshi most weeks — the 5–20% rates are real money on that spend.
- You want a free-for-life first card at an 5,000 salary with an instant-issue 500 welcome bonus.
- You'd use the noon One membership anyway — the free year alone offsets a chunk of your delivery costs.
Consider skipping it if
- Most of your spending is at supermarkets, utilities or schools — those earn a token 0.30% here.
- You want rewards you can spend anywhere — noon credits never convert to cash, miles or statement credit.
- You already hold an active ENBD credit card — you won't qualify for the 500 welcome bonus.
Alternatives to consider
ENBD's online-shopping card rewards e-commerce spend across merchants, not just one platform, for a token 52.50 fee.
Best online shopping cards →
7% back on the physical LuLu shop plus fuel and utility earn — the bricks-and-mortar counterpart to this card.
Best grocery 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 noon One Visa credit card have an annual fee?+
No — the card is free for life, with no joining fee and no annual fee, confirmed on the card page and in the bank's Key Facts Statement.
How much can I earn back on noon platforms?+
20% back as noon credits on noon Food, 10% on NowNow, and 5% on noon, noon Minutes, Namshi and supermall. All other eligible spends earn 1%, while penalty categories such as groceries, utilities, telecom, education and EU-originated spends earn 0.30%. Earning is capped at 2,000 noon credits per billing cycle.
What is the welcome bonus on the noon One card?+
AED 500, credited as cashback on your statement, when you spend AED 5,000 in the first two calendar months (60 days). It applies only to customers without an active Emirates NBD credit card; customers who closed an ENBD card more than 12 months ago are eligible.
How do noon credits work and do they expire?+
Credits earned on the card are automatically added to the noon account linked to it, and you spend them at checkout on noon's platforms via the app or website. They are valid for a maximum of 5 years from the date of accrual.
What is the noon One membership benefit?+
Cardholders get a complimentary noon One membership for one year (activation instructions arrive by email), then 50% off the annual membership after the free year ends.
What is the minimum salary for the noon One card?+
AED 5,000 per month, and the card is issued instantly upon successful application.
How does the free movie ticket offer work?+
Buy one, get one free at VOX Cinemas on up to 3 tickets a month, provided you spend at least AED 3,500 on the card in that billing cycle — otherwise the ticket cost is charged in the next statement. From 1 August 2026 the offer is available at Reel Cinemas instead.
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.