NBF Platinum Exclusive Credit Card
2.5 points per , no annual fee
at National Bank of Fujairah's secure site
See rates & fees.
Rewards rate
For a card that costs nothing, 2.5 points per is a good deal, and earning more abroad than at home is a genuine quirk in your favour. Just read the name as marketing: there are no lounges here, and the 2% cashback NBF advertises on its listing page is not what the rewards table actually pays.
Earning and redeeming NBF Rewards points
The Platinum Exclusive earns 2.5 NBF Rewards points per on UAE spending and 3.5 points per internationally. That inversion — a higher rate abroad than at home — is rare in the UAE, and it makes the card a reasonable travel companion even though it carries no travel benefits of its own.
NBF's special categories pay a flat 1 point per : supermarkets, telecom, fuel, educational institutions, government services, charities, transport, rental companies, insurers and fast food. If your monthly spend is dominated by groceries, school fees and utilities, your blended rate will land far closer to 1x than 2.5x. Earning is capped at 999,999 points a month, and anything transacted inside NBF Direct or online banking earns nothing.
Redeem through the NBF Direct app for digital gift cards, instant cashback credited to the card, or a transfer to Etihad Guest Miles — the ratio for which NBF does not publish. At NBF's own valuation of 0.0035 a point, 2.5 points per is about 0.9% back, which is why we have not repeated the "2% cashback" claim from NBF's cards listing. Points expire two years after the month in which you earn them.
Rates and fees
- Annual fee
- 0 as advertised. The schedule of charges lists 250, waived while you keep the relevant segment eligibility.
- Interest rate
- 2.99% per month on retail balances. Cash advance interest accrues from day one and is charged even if you settle in full.
- Interest-free period
- Up to 50 days if the statement is paid in full. Payment is due 20 days after the statement date.
- Foreign transaction fee
- 2.5% on any transaction in a currency other than the . NBF states this is *in addition* to Visa International's own processing charge, and it is quoted before 5% VAT.
- Cash advance fee
- 4% of the amount or 50, whichever is higher, on up to 40% of your credit limit.
- Late payment fee
- 230.
- Over-limit fee
- 125.
- Minimum payment
- 5% of the statement balance or 100, whichever is higher.
- Supplementary cards
- 2 free, then 100 each from the third card onwards.
- Credit limit
- 5,000 to 250,000, or 90% of a fixed deposit of at least 60,000.
Rates come from NBF's April 2025 Key Facts Statement and May 2025 Schedule of Charges and are indicative — your offer letter governs. All NBF fees are quoted before tax; the bank adds 5% VAT where applicable.
Card benefits
Cinema tickets, two for one
Buy one get one free at VOX and Reel Cinemas, capped at four free tickets a month. NBF does not publish which ticket classes qualify.
2.5 points per at home
A real earn rate on a card with no annual fee — roughly 0.9% back at NBF's own point valuation, before special-category reductions.
3.5 points per abroad
The international rate beats the domestic one, which is unusual in the UAE market and makes the card better on holiday than in the supermarket.
Instant cashback redemption
Points convert to a statement credit in real time through NBF Direct, so there is no waiting on a redemption cycle.
CVV Key and 3D Secure
A dynamic CVV that changes on every online payment, plus OTP-secured 3D Secure checkout and free SMS alerts on every transaction.
0% instalments and balance transfer
Convert purchases to 0% Easy Payment Plans over 3 to 12 months, or move a balance from another bank over 3 to 24 months. A foreclosure fee of 50 per plan applies.
Pros and cons
- A genuinely free card that still earns 2.5 NBF Rewards points per on UAE spending — unusual at this fee level.
- Earns more abroad than at home, at 3.5 points per internationally, which few UAE cards do.
- Reachable at an 9,000 salary, well below the 40,000 the Infinite demands.
- Buy-one-get-one-free cinema tickets at VOX and Reel, up to four free tickets a month.
- 0% Easy Payment Plans, balance transfers from 0% over three months, and EZ Cash on Call up to 70% of your limit.
- No airport lounge access at all, despite the "Exclusive" branding — that benefit is Infinite-only.
- 2.99% a month is at the expensive end of the UAE market, and 0.5 points above the Infinite's rate.
- NBF's own cards listing advertises "2% cashback" on this card, but the published earn works out closer to 0.9% on UAE spend.
- Supermarkets, fuel, telecom, education, government services, insurance and fast food drop to 1 point per .
- The 2.5% foreign-currency fee sits on top of Visa's own processing fee and is quoted before 5% VAT.
Is it right for you?
Get this card if
- You earn 9,000 or more and want a card that costs nothing to hold.
- You spend abroad reasonably often and want the 3.5 points per international rate.
- You go to the cinema regularly and would use four free tickets a month.
- You want 0% instalment plans and a balance-transfer route without paying an annual fee for them.
Consider skipping it if
- You want lounge access — this card has none, whatever the name suggests.
- You revolve a balance: 2.99% a month is expensive, and 0.5 points above NBF's own Infinite.
- Your spend is mostly groceries, fuel, schools and bills, which all earn 1 point per .
- You were attracted by the advertised 2% cashback, which the published earn table does not support.
Alternatives to consider
Same programme, same zero fee, but with unlimited Visa Airport Companion access — if you can clear 40,000 a month.
Best cards for lounge access →
A rival no-fee card whose value comes back as cashback you can count in advance, rather than points at an unpublished transfer ratio.
Best no-annual-fee cards →
TouchPoints publishes its redemption values and partners in full, which NBF Rewards does not do for its Etihad Guest route.
Best credit cards overall →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 there an annual fee for the NBF Platinum Exclusive Credit Card?+
NBF markets it as having no annual fee, and the Key Facts Statement says lifetime free. Note 12 of the schedule of charges adds the detail: the listed fee is AED 250, waived for as long as you maintain the relevant segment eligibility.
What is the minimum salary required for this card?+
AED 9,000 a month. The card is open to both salaried and self-employed applicants, and to UAE nationals and residents alike, though NBF may require a minimum job tenure or business duration. It can also be issued against a fixed deposit of at least AED 60,000.
Does the NBF Platinum Exclusive come with airport lounge access?+
No. NBF's page for this card lists no lounge benefit and no Visa Airport Companion access — those sit on the NBF Infinite. If lounge access is the reason you are applying, this is not the card.
How many points does the Platinum Exclusive earn?+
2.5 NBF Rewards points per AED spent in the UAE and 3.5 points per AED internationally. NBF's special categories — supermarkets, telecom, fuel, education, government services, charities, transport, rentals, insurance and fast food — earn 1 point per AED. Earning is capped at 999,999 points a month.
Does this card really give 2% cashback?+
NBF's cards listing page describes the card as earning "impressive rewards and 2% cashback", but the bank's own rewards page gives the earn rate as 2.5 points per AED and values a point at 0.0035. That works out at roughly 0.9% on UAE spend and about 1.2% abroad. We have flagged the discrepancy rather than repeat the 2% figure.
What is the interest rate on the NBF Platinum Exclusive?+
2.99% per month on retail balances, with up to 50 interest-free days if you clear the statement in full. Interest on cash advances starts immediately and is charged even if you pay the account in full that cycle.
How many supplementary cards do I get?+
Two free supplementary cards, then AED 100 each from the third card onwards, per the Key Facts Statement and schedule of charges. The card page separately says up to five cards can be issued to family members over 15.
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.