Emirates NBD SHARE Visa Platinum
4% back as SHARE Points, free for life
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"At 5,000 salary and zero fee, this is one of the easiest cards in the UAE to say yes to — if your groceries come from Carrefour. Just don't make it your everything card: outside the SHARE malls the earn rates are close to nothing."
Earning and redeeming SHARE Points
SHARE is Majid Al Futtaim's loyalty programme, and this card earns 4% back as SHARE Points at Mall of the Emirates, every City Centre mall and Carrefour — in-store and online. Everything else earns 0.75%, with two penalty buckets below that: 0.19% at non-SHARE supermarkets, fast food, insurance and car dealerships (plus EU/UK spend), and 0.075% 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
- Annual fee
- 0 — free for life, no joining fee
- Welcome bonus
- None currently advertised at this tier
- Interest rate
- 3.69% per month (44.28% p.a.) on unpaid balances; 3.25% for UAE nationals
- 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
- 5,000 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.
Instant redemption
Spend points at the till via SHAREPay, your SHARE ID or Digital Mall Gift Cards — 10 points = 1.
Security & assistance
DoubleSecure transaction protection, SMS alerts, 24/7 roadside assistance and emergency medical and legal referral.
Digital wallets
Pay with Apple Pay, Google Pay or Samsung Pay on your phone or wearable, with contactless built in.
Pros and cons
- 4% back at Mall of the Emirates, City Centre malls and Carrefour with zero annual fee
- Points redeem instantly at 5,000+ stores — 10 points = 1, no transfer step
- VOX Cinemas buy-1-get-1 on a free card
- Low 5,000 salary requirement makes it a genuine first card
- 0% instalment plans over 3 to 24 months at participating merchants
- No welcome bonus, lounge access or concierge — those start at the Signature tier
- Earning collapses outside SHARE: 0.19% at non-SHARE supermarkets and 0.075% on fuel, government and utilities
- High 3.69% monthly interest (44.28% p.a.) if you carry a balance
- 1.99% foreign transaction fee plus roughly 1.15% Visa processing on top
- Rewards are locked to the Majid Al Futtaim ecosystem — no airline or cash conversion
Is it right for you?
Get this card if
- You shop at Carrefour or City Centre malls and want a fee-free rewards card
- Your salary is between 5,000 and 12,000 — this is the SHARE tier built for you
- You want points you can spend instantly at the till, not miles for someday
Consider skipping it if
- You earn 12,000+ — the free SHARE Signature gets you 6%, a bonus and lounge access
- Your supermarket is Lulu, Spinneys or Union Coop — those earn just 0.19% here
- You carry a balance — 3.69% a month is among the steeper UAE rates
Alternatives to consider
Also free for life, but with 6% back, a 5,000-point bonus and lounge access.
See the SHARE Visa Signature →
The mirror-image grocery co-brand: rewards at Lulu Hypermarkets instead of Carrefour.
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 Emirates NBD SHARE Visa Platinum have an annual fee?+
No — it is free for life, with no joining fee and no annual fee.
What is the minimum salary required?+
AED 5,000 per month — the lowest in the SHARE card family.
How much are SHARE Points worth?+
10 SHARE Points = AED 1. The 4% earn rate at Mall of the Emirates, City Centre malls and Carrefour means AED 4 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.
Is there a welcome bonus?+
No — the SHARE Platinum is not currently advertised with a welcome bonus. The Signature (AED 12,000 salary) offers 5,000 points and the Infinite (AED 30,000 salary) 10,000 points.
Does the card include airport lounge access?+
No — lounge access starts at the SHARE Visa Signature tier. The Platinum's headline perk is buy-1-get-1 movie tickets at VOX Cinemas.
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.