Emirates NBD SHARE Visa Infinite
Earn 10,000 bonus SHARE Points worth 1,000
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"If your weekends already run through Mall of the Emirates and your groceries come from Carrefour, 8% back is unbeatable and the fee pays for itself. If they don't, this card's penalty rates on everyday bills will quietly erode the headline — get the free SHARE Signature instead."
Earning and redeeming SHARE Points
SHARE is Majid Al Futtaim's loyalty programme, and this card is its top tier: 8% back as SHARE Points at Mall of the Emirates, every City Centre mall and Carrefour — in-store and online. Everything else earns 1.5%, with two penalty buckets below that: 0.375% at non-SHARE supermarkets, fast food, insurance and car dealerships (plus EU/UK spend), and 0.15% on fuel, transit, government, utilities, real estate, education and telecom.
Redemption is the programme's best feature: 10 SHARE Points = 1, spendable instantly at over 5,000 stores and 18 malls via SHAREPay on the SHARE app, by scanning your SHARE ID at Majid Al Futtaim brands, or as Digital Mall Gift Cards. No transfer partners, no award charts — but also no way to move value outside the MAF ecosystem.
Rates and fees
- Joining fee
- 1,575 incl. VAT — refunded if you spend 40,000 in the first 3 months
- Annual fee
- 1,575 incl. VAT, every year — no first-year waiver
- Welcome bonus
- 10,000 SHARE Points ( 1,000) on 40,000 spend in the first 3 months
- 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 salary
- 30,000 per month
Figures from the Emirates NBD Key Facts Statement (08/2026) and Credit Card Services and Price Guide (December 2025); all fees include 5% VAT. Verify on the bank's site before applying.
Card benefits
VOX Cinemas buy 1 get 1
Buy-one-get-one-free movie tickets at VOX Cinemas when you pay with the card.
Airport lounge access
Complimentary lounge access via the Visa Airport Companion app — register in the app before you travel.
Golf privileges
Free golf at top UAE courses and up to 40% off premium courses worldwide.
Concierge desk
A dedicated team for bookings, gifts and the errands that eat your time.
Valet parking
Complimentary valet parking as an Emirates NBD card advantage.
The Entertainer via Visa
Buy-one-get-one-free offers with The Entertainer, plus Avis rentals and BookingBash deals.
Pros and cons
- Market-leading 8% back at Mall of the Emirates, City Centre malls and Carrefour
- Points redeem instantly at 5,000+ stores — 10 points = 1, no transfer step
- 10,000-point welcome bonus plus joining-fee refund on 40,000 spend in 3 months
- Lounge access, golf, concierge and valet round out a genuine premium package
- 3.25% monthly interest is lower than most UAE rewards cards
- 1,575 joining fee and 1,575 annual fee (both incl. VAT) with no first-year waiver
- Earning collapses outside SHARE: 0.375% at non-SHARE supermarkets and 0.15% on fuel, government and utilities
- 1.99% foreign transaction fee plus roughly 1.15% Visa processing on top
- 30,000 minimum salary shuts out most applicants
- Rewards are locked to the Majid Al Futtaim ecosystem — no airline or cash conversion
Is it right for you?
Get this card if
- Your household shopping, dining and groceries run through MAF malls and Carrefour
- You earn 30,000+ a month and will hit 40,000 spend in 3 months to claw back the joining fee
- You want rewards you can spend instantly at the till, not miles for someday
Consider skipping it if
- Your supermarket is Lulu, Spinneys or Union Coop — those earn just 0.375% here
- You won't reliably out-earn the 1,575 fee every single year
- You spend heavily abroad — 1.99% fx plus scheme fees eats the 1.5% earn
Alternatives to consider
The same SHARE ecosystem at 6% back, free for life, with a far lower 12,000 salary bar.
Best no-annual-fee cards →
Dubai Mall regulars get the mirror-image card: U By Emaar rewards across Emaar malls, hotels and dining.
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
What are the fees on the Emirates NBD SHARE Visa Infinite?+
There is a joining fee of AED 1,575 and an annual fee of AED 1,575 (both inclusive of VAT; the bank page quotes AED 1,500 excluding VAT). The joining fee is refunded if you spend AED 40,000 in the first 3 months.
What is the minimum salary required?+
AED 30,000 per month — this is the top tier of the SHARE card family.
How much are SHARE Points worth?+
10 SHARE Points = AED 1. The 8% earn rate at Mall of the Emirates, City Centre malls and Carrefour means AED 8 back per AED 100 spent there.
Where can I redeem SHARE Points?+
Instantly at over 5,000 stores and 18 malls across the UAE — via SHAREPay on the SHARE app, by scanning your SHARE ID at Majid Al Futtaim brands, online with your SHARE login, or as Digital Mall Gift Cards.
What is the welcome bonus?+
10,000 SHARE Points (worth AED 1,000) when you spend AED 40,000 in the first 3 months. The joining fee is also refunded on the same spend milestone.
Does the card include airport lounge access?+
Yes — complimentary lounge access through the Visa Airport Companion app, which you need to download and register on.
What do fuel, government and utility payments earn?+
Only 0.15% back as SHARE Points. Grocery stores outside the SHARE ecosystem, fast food, insurance, car dealerships and EU/UK spend earn 0.375%.
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.