Emirates NBD Visa Platinum
No annual fee, up to 30% off at 2,000+ restaurants
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"Don't get this card for the points — 1.5 per 100 with penalty rates on essentials is forgettable. Get it because it's free and Bon Appétit knocks up to 30% off at two thousand restaurants. For anyone who eats out weekly, that's real money on a card that costs nothing."
Earning and redeeming Plus Points
The Visa Platinum earns 1.5 Plus Points per 100 on general retail spend, with ENBD's usual penalty buckets: 0.4 points per 100 at supermarkets, groceries, insurance and car dealerships, and 0.2 on fuel, utilities, real estate and education. A per-statement earning cap applies, and the bank doesn't publish the amount.
Points redeem instantly at key merchant outlets at the point of sale — simple and immediate, with no transfer partners or portals. The realistic way to value this card, though, is through its discounts: Bon Appétit (up to 30% off dining at 2,000+ restaurants) and LiveWell (up to 50% off health and fitness) will out-earn the points for almost every cardholder.
Rates and fees
- Annual fee
- 0 under the current offer — the Feb 2026 price guide lists a standard 735 fee, so the waiver could end
- Interest rate
- 3.69% per month per the price guide (card page still shows 3.25%); 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 payment
- 5% of the outstanding balance or 100, whichever is higher
- Credit Shield Pro (optional)
- 1.04% of the outstanding balance per month
- Minimum salary
- 12,000 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
Bon Appétit dining
Up to 30% off at more than 2,000 restaurants across the UAE.
LiveWell fitness
Up to 50% off health and fitness experiences.
Purchase protection
Free insurance on big purchases, plus extended warranty on eligible items.
Visa Platinum services
Medical and travel assistance, Avis car rental privileges, BookingBash and Bicester Village shopping offers.
0% instalment plans
Split purchases at participating merchants over 3, 6, 12 or 24 months at 0% interest.
DoubleSecure & assistance
DoubleSecure transaction protection, SMS alerts, 24-hour assistance and free 24/7 roadside assistance.
Pros and cons
- No annual fee under the bank's current offer
- Bon Appétit dining discounts — up to 30% at over 2,000 UAE restaurants — on a free card
- Up to 50% off health and fitness via LiveWell
- Purchase protection and extended warranty included
- Accessible 12,000 salary requirement
- Weak earn rate: 1.5 Plus Points per 100, with 0.4% at supermarkets and 0.2% on fuel, utilities, real estate and education
- No airport lounge access
- No welcome bonus
- 3.69% monthly interest per the bank's price guide — among the higher rates in the market
- The no-annual-fee deal is worded as a current offer, not a permanent waiver
Is it right for you?
Get this card if
- You want a genuinely free card and your salary is 12,000+
- You eat out regularly — up to 30% off at 2,000+ restaurants is the card's real value
- You pay your balance in full every month
Consider skipping it if
- You want lounge access or a welcome bonus — this card has neither
- You're chasing rewards on groceries, fuel or bills — they earn 0.4% and 0.2% here
- You sometimes carry a balance — 3.69% a month compounds brutally
Alternatives to consider
Also free under the current offer, with the same earn rates plus six pickable perks including lounge access.
See the ENBD Visa Flexi →
Up to 7% back as LuLu Points on daily spend — a far better engine for supermarket-heavy households.
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 Visa Platinum have an annual fee?+
Under the bank's current exclusive offer there is no annual fee. The bank's February 2026 price guide lists a standard AED 735 fee for the Platinum, so the waiver is an offer rather than a guaranteed free-for-life feature.
What is the minimum salary required?+
AED 12,000 per month, with an eligible age of 21 to 63 years.
How does the Bon Appétit dining programme work?+
Cardholders get up to 30% discount at over 2,000 restaurants across the UAE when paying with the card.
How many Plus Points does the card earn?+
1.5 Plus Points per AED 100 on general retail spend. Supermarkets, groceries, insurance and car dealerships earn 0.4%, and fuel, utility bills, real estate and education just 0.2%. A per-statement earning cap applies; the amount is not published on the card page.
Does the card include airport lounge access?+
No — lounge access is not among this card's advertised benefits. Consider the Visa Flexi or Visa Infinite if lounge access matters to you.
What is the interest rate?+
The bank's February 2026 price guide lists 3.69% per month for the Platinum (the card page still shows 3.25%). UAE Nationals pay 3.25% per month on all ENBD cards. Up to 55 interest-free days apply when you pay in full.
What insurance benefits are included?+
Free purchase protection on big purchases, extended warranty, Visa medical and travel assistance, and optional Credit Shield Pro at 1.04% of the outstanding balance per month.
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.