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Co-brand rewardsVisa
Emirates NBD
Darna Select Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.69%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
54.5%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.69%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 54.5%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome promo: YOUGotaGift HappyYOU gift card worth AED 250 when applying online (T&Cs apply)
- 6.25% value back as Darna Points on spends at Aldar destinations (Yas Mall, Yas Island theme parks, hotels, spas, golf courses)
- 0.75% value back as Darna Points on spends outside Aldar destinations
- 10 Darna Points = AED 1; instant redemption at over 1,200 Aldar destinations
- Automatic Darna Silver tier status (up to 15% off dining at select Yas Island hotels)
- Buy 1 get 1 free movie tickets at VOX Cinemas (minimum spend criteria applies)
- 0% Installment Plan at no cost across Aldar Education & Property
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.