Emirates NBD SHARE Visa Signature
Earn 5,000 bonus SHARE Points worth 500
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"This is the SHARE card most people should actually get: 6% at MAF malls and Carrefour, lounge access and a welcome bonus, with no fee to justify — ever. The Infinite's extra 2% rarely covers its 1,575 a year unless your mall spend is serious."
Earning and redeeming SHARE Points
SHARE is Majid Al Futtaim's loyalty programme, and this card earns 6% back as SHARE Points at Mall of the Emirates, every City Centre mall and Carrefour — in-store and online. Everything else earns 1%, with two penalty buckets below that: 0.25% at non-SHARE supermarkets, fast food, insurance and car dealerships (plus EU/UK spend), and 0.10% 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
- 5,000 SHARE Points ( 500) on 25,000 spend in the first 3 months
- 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
- 12,000 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.
Concierge desk
A dedicated team for bookings, gifts and the errands that eat your time.
Airport dining discount
Visa discounts at participating airport restaurants when you travel.
The Entertainer via Visa
Buy-one-get-one-free offers with The Entertainer, plus Avis rentals and BookingBash deals.
Security & assistance
DoubleSecure transaction protection, SMS alerts, 24/7 roadside assistance and emergency medical and legal referral.
Pros and cons
- 6% 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
- 5,000-point welcome bonus ( 500) on 25,000 spend in 3 months
- Lounge access, concierge and VOX buy-1-get-1 are rare on a free card
- Accessible 12,000 salary requirement
- Earning collapses outside SHARE: 0.25% at non-SHARE supermarkets and 0.10% 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
- 1% base rate on general spend is unremarkable
Is it right for you?
Get this card if
- You shop at City Centre malls, Mall of the Emirates or Carrefour most weeks
- You want mall rewards, lounge access and a bonus without ever paying a fee
- You earn 12,000+ and can hit 25,000 spend in 3 months for the bonus
Consider skipping it if
- Your supermarket is Lulu, Spinneys or Union Coop — those earn just 0.25% here
- You carry a balance — 3.69% a month is among the steeper UAE rates
- You want rewards you can convert to miles or cash outside MAF
Alternatives to consider
8% back and golf, valet and a bigger bonus — worth the 1,575 fee only for serious mall spenders.
The same free-for-life SHARE formula at 4% back, from an 5,000 salary.
See the SHARE Visa Platinum →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 Signature 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 12,000 per month.
What is the welcome bonus?+
5,000 SHARE Points (worth AED 500) when you spend AED 25,000 in the first 3 months.
How much are SHARE Points worth?+
10 SHARE Points = AED 1. The 6% earn rate at Mall of the Emirates, City Centre malls and Carrefour means AED 6 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.
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 0.10% back as SHARE Points. Grocery stores outside the SHARE ecosystem, fast food, insurance, car dealerships and EU/UK spend earn 0.25%.
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.