Marriott Bonvoy® World Elite Mastercard®
Earn up to 150,000 Marriott Bonvoy bonus points
at Emirates NBD’s secure site
Terms & conditions apply. See rates & fees.
Rewards rate
“This is the UAE hotel card to beat: automatic Gold Elite, 15 night credits and a free night that routinely outprices the fee. Put your Marriott stays and travel spend here — but keep groceries and bills on a different card.”
Earning and redeeming Marriott Bonvoy points
Points land straight in your Marriott Bonvoy account: 6 per US$1 at Marriott hotels and resorts, up to 3 per US$1 on international and general retail spend, and much less — 0.30 to 0.75 — on everyday categories like groceries, fuel and bills.
Yajool values Bonvoy points at roughly 0.008 each, which makes the full 150,000-point welcome bonus worth about 1,200 and the annual 50,000-point Free Night Award worth 400+ — more when redeemed against peak-priced Dubai weekends. Five-night redemptions get the fifth night free.
Related: Best Marriott Bonvoy credit cards
Rates and fees
- Annual fee
- 1,575 (incl. VAT) — charged from year one; joining fee 1,575
- Welcome bonus
- Up to 150,000 points — 75,000 on activation + 75,000 after US$15,000 in the first 3 statements
- Interest rate
- 3.25% per month on unpaid balances
- Interest-free period
- Up to 55 days when the full balance is paid
- Minimum salary
- 25,000 per month
- Foreign transaction fee
- 1.99% of the amount, plus the network’s ~1.15% markup
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50
- Express Points
- Optional: +50% points for 300/month — replaces the annual fee
- Card network
- Mastercard World Elite
Rates verified against Emirates NBD’s published Credit Card Services and Price Guide (February 2026) on August 8, 2026. Always confirm on the issuer’s site before applying.
Card benefits
Automatic Gold Elite status
25% bonus points on stays, enhanced room upgrades and 2PM late checkout — plus a fast track to Platinum at US$100,000 annual spend.
Annual Free Night Award
One free night every card anniversary, redeemable at hotels priced up to 50,000 Bonvoy points.
15 Elite Night Credits
A 15-night head start towards the next Bonvoy status tier, every calendar year.
Worldwide lounge access
Complimentary airport lounge entry via Mastercard Travel Pass — register on the app to activate.
Complimentary golf
Tee off at six top UAE courses, including Arabian Ranches and The Track, Meydan ( 30 booking fee).
Movies buy 1 get 1
BOGO tickets at VOX and Reel Cinemas when you book online with the card.
Pros and cons
- Up to 150,000 Bonvoy points as a welcome bonus
- Automatic Gold Elite status plus 15 Elite Night Credits a year
- Annual Free Night Award worth up to 50,000 points
- 6 points per US$1 at Marriott properties
- Worldwide lounge access via Mastercard Travel Pass
- 1,575 annual fee is never waived
- Groceries, fuel and bills earn as little as 0.30 points per US$1
- Bonus and free night value depend on Marriott stays
Is it right for you?
Get this card if
- You stay at Marriott brands even a few nights a year and want automatic Gold Elite.
- You can put US$15,000 through the card in the first three months to unlock the full bonus.
- A guaranteed annual free night is worth more to you than cashback.
Consider skipping it if
- You rarely stay at Marriott properties — the points only shine there.
- You want a fee-free card: 1,575 applies from year one (see the free World version).
- Most of your spend is groceries, fuel or bills, which earn as little as 0.30 points per US$1.
Alternatives to consider
Silver Elite status and an annual Free Night Award without the 1,575 fee.
Best hotel cards →
Skywards Miles plus complimentary Silver tier for frequent Emirates flyers.
Best Skywards cards →
Uncapped Voyager Miles, unlimited lounge access and a first-year-free fee.
Best travel 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
Is the AED 1,575 annual fee worth it?+
For Marriott regulars, usually yes — the annual Free Night Award alone can cover a room that sells for more than the fee, before counting Gold Elite benefits and the welcome bonus.
What Marriott Bonvoy status do I get?+
Automatic Gold Elite (25% bonus points, room upgrades, 2PM late checkout), plus 15 Elite Night Credits a year. Spending US$100,000 annually fast-tracks you to Platinum Elite.
How does the 150,000-point welcome bonus work?+
Two halves: 75,000 points on card activation and payment of the joining fee, and another 75,000 after US$15,000 of retail spend in the first three billing statements.
Does the card include airport lounge access?+
Yes — complimentary worldwide lounge access through Mastercard Travel Pass. From 1 May 2025 you need to register on the Mastercard Travel Pass app to use it.
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.