Emirates NBD Priority Banking Visa Infinite
Up to 5% back as Plus Points, first year free
at Emirates NBD's secure site
Exclusive to Emirates NBD Priority Banking clients See rates & fees.
Rewards rate
"If your card regularly sees 5,000+ single transactions — school fees aside, think furniture, flights, jewellery — this is the strongest Plus Points engine ENBD makes, and the beach club and gym access is a perk no other UAE card copies. Just respect the caps: 5,000 points a statement, 60,000 a year, and 1% on everything mundane."
Earning and redeeming Plus Points
The earn structure is tiered by transaction size, not category: 5% as Plus Points on single transactions of 5,000+, 2% between 2,500 and 4,999, and 1% below that. Everyday categories — supermarkets, groceries, insurance, car dealerships, fuel, utilities, real estate, charity, education, fast food, transit, government services and telecom — earn a flat 1% with a 1,000-point statement cap, and EU spend is capped at 500 points. Overall earning stops at 5,000 points per statement and 60,000 points a year.
Redemption is flexible and the points never expire: use them instantly at the point of sale, convert them against airline miles, or take cashback. The separate 5,000 quarterly cashback for maintaining 50,000 quarterly spend is a lucky draw — treat it as a lottery ticket, not part of the card's return.
Rates and fees
- Annual fee
- 1,575 incl. VAT — first year free
- Eligibility
- Existing Priority Banking customers only; no published minimum salary
- Interest rate
- 3.25% per month (39% p.a.) on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Foreign transaction fee
- 1.99% currency conversion, plus roughly 1.15% Visa processing
- 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
- Earning caps
- 5,000 points per statement, 60,000 per year; everyday categories 1,000 points, EU spend 500 points per statement
Figures from the Emirates NBD Key Facts Statement (08/2026) and Credit Card Services and Price Guide (February 2026); all fees include 5% VAT. Verify on the bank's site before applying.
Card benefits
Beach club access
Complimentary access to 5-star beach clubs in the UAE — bookable through the bank's dedicated page.
Premium gym access
Complimentary access to premium gyms across the UAE.
Golf at home and abroad
Free golf in the UAE and up to 40% off premium courses worldwide.
Valet parking, 4x monthly
Four complimentary one-hour valet parkings a month at selected Abu Dhabi locations.
Airport transfers
Up to 4 complimentary airport drops a year within the UAE, plus lounge access via the Visa Airport Companion app.
Concierge & courier
A concierge desk plus a local courier service up to 12 times a year within the UAE.
Pros and cons
- Up to 5% as Plus Points on big-ticket transactions — among the highest headline rates in the UAE
- First year free, and Plus Points on this card never expire
- Genuine lifestyle package: beach clubs, gyms, free golf, 4 valet parkings a month and 4 airport transfers a year
- Flexible redemption: instant at POS, against airline miles or as cashback
- 3.25% monthly interest, lower than ENBD's entry cards
- Exclusive to existing Priority Banking customers — you can't just apply on salary
- The 5% rate only applies to single transactions of 5,000+; below 2,500 you earn 1%
- Tight caps: 5,000 points per statement and 60,000 points a year, with essentials capped at 1,000 points
- Supermarkets, fuel, utilities, education, government and telecom all earn a flat 1%
- 1,575 annual fee from year two, and the 5,000 quarterly cashback is a lucky draw, not a guarantee
Is it right for you?
Get this card if
- You already bank with Emirates NBD Priority Banking — the card is free in year one
- Your statements feature large single transactions of 5,000+ where the 5% rate actually bites
- You'd use beach club, gym, golf and valet privileges often enough to out-earn 1,575 from year two
Consider skipping it if
- You're not a Priority Banking client — you can't get this card
- Your spending is mostly groceries, fuel and bills — those earn a flat 1% with a 1,000-point cap
- You expect the 5,000 quarterly cashback — it's a prize draw, not a rebate
Alternatives to consider
The standard Visa Infinite offers the same lounge-golf-concierge package on an 30,000 salary, without the banking relationship requirement.
Skywards Miles, Silver tier and a welcome bonus for the same 1,575 fee — better if your big spending is travel.
Best Emirates Skywards cards →
Elite status, night credits and a free night award — a stronger luxury-travel return for high spenders.
Best hotel loyalty 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
Who can get the Priority Banking Visa Infinite Credit Card?+
Only existing Emirates NBD Priority Banking customers. There is no published minimum salary — eligibility comes from your banking relationship.
How does the 5% Plus Points rate work?+
Earning is tiered by transaction size: 5% as Plus Points on single transactions of AED 5,000 or more, 2% on transactions between AED 2,500 and 4,999, and 1% below AED 2,500. Supermarkets, groceries, fuel, utilities, education, government services, telecom and similar categories earn a flat 1% regardless of size.
Are there caps on Plus Points earning?+
Yes, and they matter: 5,000 points per statement cycle and 60,000 points per year overall. Everyday categories (groceries, fuel, government, utilities, telecom and similar) are capped at 1,000 points per statement, and EU spend at 500 points per statement.
Do Plus Points on this card expire?+
No — the bank states reward points on this card never expire. You can redeem instantly at the point of sale, against airline miles, or as cashback.
What is the annual fee?+
AED 1,575 inclusive of VAT, with the first year free.
What is the AED 5,000 quarterly cashback?+
A prize draw, not a rebate: cardholders who maintain quarterly spend of AED 50,000 stand a chance to win AED 5,000 cashback. Don't count it as guaranteed value.
What lifestyle benefits are included?+
Complimentary access to 5-star beach clubs and premium gyms, free golf in the UAE with up to 40% off worldwide, four valet parkings a month in Abu Dhabi, up to four UAE airport transfers a year, a local courier service up to 12 times a year, buy-1-get-1 movie tickets, concierge and worldwide lounge access via the Visa Airport Companion app.
Does the card include airport lounge access?+
Yes — complimentary worldwide lounge access through the Visa Airport Companion app; the visit allowance is not published on the card page.
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.