Emirates NBD Visa Infinite
Lounge access with a guest, golf and concierge — the perks are the product
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"Buy this card for the lounge, the golf and the concierge — not for the points. If you travel with a companion a few times a year, the guest access alone does real work toward the 1,575 fee. If you're after rewards on groceries and bills, the penalty rates here will disappoint you."
Earning and redeeming Plus Points
The Visa Infinite earns up to 2 Plus Points per 100 on general retail spend — but ENBD's standard penalty buckets apply: supermarkets, groceries, insurance and car dealerships earn 0.4 points per 100, and fuel, utility bills, real estate and education just 0.2. A per-statement earning cap applies, and the bank doesn't publish the amount on the card page.
Redemption is the pleasant surprise: Plus Points redeem instantly at key merchant outlets at the point of sale — no portal, no transfer partners, no waiting. That simplicity suits this card's audience, but there's no way to chase outsized value the way airline-mile transfers sometimes allow.
Rates and fees
- Annual fee
- 1,575 incl. VAT, every year — no first-year waiver, no welcome bonus
- 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
- Credit Shield Pro (optional)
- 1.04% of the outstanding balance per month (page markets 0.99%; KFS states 1.04%)
- Minimum salary
- 30,000 per month, age 21–63
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
Lounge access +1 guest
You and one guest get complimentary access to 1,000+ premium lounges across 300 cities via the Visa Airport Companion app.
Complimentary UAE golf
Free access to top golf courses across the UAE.
Concierge desk
A dedicated team for bookings, arrangements and the errands that eat your time.
Valet parking
Valet parking at selected locations in Abu Dhabi.
Movie buy 1 get 1
Buy-one-get-one-free movie tickets when you pay with the card.
Entertainment discounts
Up to 20% off at participating entertainment venues, including 15% off Snow Park tickets and 20% off Fun Pass tickets.
Pros and cons
- Lounge access covers you plus one guest across 1,000+ lounges — many premium cards charge for guests
- Complimentary golf, concierge desk and valet parking in Abu Dhabi
- Instant Plus Points redemption at key merchant outlets — no transfer step
- 3.25% monthly interest is lower than ENBD's entry-level cards (3.69%)
- 1,575 annual fee every year with no welcome bonus and no first-year waiver
- Essentials earn poorly: 0.4% at supermarkets and groceries, 0.2% on fuel, utilities, real estate and education
- Plus Points earning is capped per statement and the bank does not publish the cap on the card page
- 1.99% foreign transaction fee plus roughly 1.15% Visa processing on top
- 30,000 minimum salary shuts out most applicants
Is it right for you?
Get this card if
- You earn 30,000+ and fly a few times a year with a partner — the +1 guest lounge access is the card's best feature
- You'll actually use the golf, concierge and Abu Dhabi valet parking
- You want rewards you can redeem instantly at the till, without portals or transfers
Consider skipping it if
- You want your card to earn on groceries, fuel and bills — the penalty rates here are 0.4% and 0.2%
- You expect a welcome bonus to offset the fee — there isn't one
- You spend heavily abroad — 1.99% fx plus scheme fees outweighs the earn rate
Alternatives to consider
The same 0.2–1.5% Plus Points engine with lounge access as a pickable perk — currently free, at an 12,000 salary bar.
Best no-annual-fee cards →
The same fee buys Skywards Miles, Silver status and a real welcome bonus — far better travel value.
Best Emirates Skywards 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
What is the annual fee on the Emirates NBD Visa Infinite Credit Card?+
AED 1,575 per year inclusive of VAT, confirmed by both the bank page and the February 2026 price guide. There is no advertised first-year waiver and no welcome bonus.
What is the minimum salary required?+
AED 30,000 per month, with an eligible age of 21 to 63 years.
How many Plus Points does the card earn?+
Up to 2 Plus Points per AED 100 on general retail spend. Supermarkets, groceries, insurance and car dealerships earn 0.4%, while fuel, utility bills, real estate and education earn just 0.2%. A per-statement earning cap applies, but the bank does not publish the amount on the card page.
Does the card include airport lounge access?+
Yes — complimentary access for you and one guest to over 1,000 premium lounges across 300 cities, via the Visa Airport Companion app. Download and register in the app before you travel.
How do I redeem Plus Points?+
Instantly at key merchant outlets at the point of sale — no transfer step or waiting period.
What is the interest rate?+
3.25% per month (39% p.a.) on unpaid balances, with an interest-free period of up to 55 days when the full balance is paid on time.
Does the card include golf privileges?+
Yes — complimentary access to top golf courses across the UAE.
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.