| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Emirates NBD Share Visa-Platinum Credit Card
|
Minimum Salary: AED 5,000 | Salary Transfer: No | Islamic Finance: No | Cashback: Yes | Annual Fee: AED 0 | Rate: 3.69% |
Features:
Integrated entirely with the MAF SHARE rewards program to accumulate points seamlessly across 18 regional shopping malls (including Mall of the Emirates and all City Centre locations).
Key Benefits:
Up to 7% Total Value Back: Earn a standard 4% back as SHARE Points on card purchases across 5,000+ eligible retail stores, dining venues, and leisure attractions within the Majid Al Futtaim network, which can be amplified with an additional 3% back via active SHARE App promotions.
Points are credited instantly to your linked profile, removing standard monthly billing statement waiting cycles.
Everyday Spending Cashback Tiers: 0.75% back as SHARE Points on standard domestic and international purchases outside the MAF network.; 0.19% back at external non-MAF supermarkets, groceries, fast-food outlets, car dealerships, and insurance providers.; 0.075% back on utility bills, petroleum, transit networks, schooling fees, real estate, government services, and telecommunications.
More Product Benefits:
Buy-one-get-one-free ticket offers at VOX Cinemas to enjoy movie nights with family and friends.
Get a 25% discount at Ski Dubai (plus a free Snow Bullet experience when buying the Snow Fun package) and a 20% discount on all packages at Snow Abu Dhabi.
Receive 20% additional point value on any card package purchase above AED 155, alongside 5 complimentary blue swiper ride activations.
Split large retail expenses into zero-interest monthly repayment blocks spanning 3, 6, 12, 24, or 36 months.
Adds 12 additional months of extended coverage onto manufacturer warranties and covers your card purchases against theft or accidental damage.
Access to round-the-clock emergency assistance including battery boosts, fuel delivery, towing services, and recovery.
Rates and Fees:
Free for Life.
Late Payment Fee: AED 241.50
Over Limit Fee: AED 292.95 per cycle
Optional Credit Shield Pro Insurance: 0.99% monthly fee of your total outstanding card balance (provides up to AED 300,000 death cover, AED 100/day hospital cash allowance, and up to AED 60,000 involuntary employment loss coverage for 12 months).
Eligiblity & Requirements:
Minimum 21 years old up to 65 years maximum.
Open exclusively to permanent, full-time residents of the UAE.
Salaried individuals or registered self-employed business owners.
Minimum Monthly Income: AED 5,000
To utilize the lifestyle perks (such as the VOX Cinemas BOGO offer), the cardholder must maintain a minimum overall retail card spend of AED 3,500 during that specific statement calendar month.
Credit Profile: Subject to a clean credit score with the Al Etihad Credit Bureau (AECB) and no active credit card rejections within the past 6 months.
Documents Required:
Original Emirates ID and copy.
Valid Passport copy (including residence visa page for expatriates).
An undated signed security cheque aligned with your assigned credit limit.
For Salaried Individuals:
Latest salary certificate (issued within the last month).
Pay slips (required if your salary variance exceeds 10%).
Latest 3 months of original bank statements (or mini ATM statements showing salary transfers).
For Self-Employed Individuals:
Valid UAE Trade License.
Corporate Memorandum of Association (MOA) or Power of Attorney document.
Complete original corporate bank statements detailing the latest 3 months of business transaction history.
Terms and conditions apply, 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.
