| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
EMIRATES NBD Darna Select Visa
|
Minimum Salary: AED 5,000 | Salary Transfer: No | Islamic Finance: No | Cashback: Yes | Annual Fee: AED 0 | Rate: 3.69% |
Key Benefits:
Earn 6.25% back as Darna Points on all qualified spending across more than 1,200 Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, and golf courses.
Earn 0.75% back as Darna Points on eligible spending outside the Aldar partner network.
Receive an automatic upgrade to Darna Silver membership, unlocking exclusive lifestyle benefits across Abu Dhabi.
More Product Benefits:
Enjoy up to 15% off dining at participating properties, including AL Dhafra Resort, Crowne Plaza Yas Island, Radisson Blu Yas Island, Yas Island Rotana, Centro Yas Island, Park Inn by Radisson, and Staybridge Suites Yas Island.
Exclusive access and preferred rates on premium golf sessions, padel tennis, and regional country clubs.
Convert larger purchases into flexible monthly installment plans at zero interest or low rates.
Includes free travel insurance coverage for trips up to 180 days, Avis car rental privileges, and a 24/7 emergency medical and legal referral service.
Access to 24/7 emergency roadside assistance including emergency fuel delivery, battery boosts, recovery, and vehicle towing.
Rates and Fees:
Annual Fee: Free for Life.
Credit Shield Pro Insurance (Optional): 0.99% of the outstanding card balance per month. Coverage includes up to AED 300,000 life insurance, AED 100 per day hospital cash allowance, and up to AED 60,000 job loss cover for up to 12 months.
Eligibility and Requirements:
Minimum age: 21 years.
Available to salaried individuals and self-employed business owners.
Applicant must be a UAE resident.
Minimum monthly income: AED 5,000.
Documents Required:
Original Emirates ID and a copy.
Valid passport copy (including the residence visa page for expatriates).
Undated signed security cheque based on the approved credit limit.
For Salaried Individuals:
Latest salary certificate issued within the last month.
Pay slips (required only if salary variance exceeds 10%).
Original bank statements for the latest three months, or mini ATM statements showing salary transfers.
For Self-Employed Individuals:
Valid UAE Trade License.
Memorandum of Association (MOA) or Power of Attorney.
Original corporate bank statements covering the latest three months of business transactions.
Terms and conditions apply and are subject to change without prior notice.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
