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Co-brand rewardsVisa
Emirates NBD
Darna Visa Infinite Credit Card
No salary transfer needed
Min. salary
AED 30,000
Annual fee
AED 1,575
Monthly rate
3.25%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
46.8%
No standard waiver
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 1,575
- Fee note
- No standard waiver
- Monthly rate
- 3.25%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 46.8%
- Minimum salary
- AED 30,000
- 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 bonus up to 15,000 Darna Points: 7,500 on payment of joining fee + 7,500 on AED 20,000 spend in first 3 months
- 10% value back as Darna Points on spends at Aldar destinations (Yas Mall, Yas Island theme parks, hotels, spas, golf courses)
- 1.5% value back as Darna Points on spends outside Aldar destinations
- Automatic Darna Platinum tier: up to 40% off hotel stays and 30% off dining at select Yas Island hotels, up to 30% off Saadiyat Beach Club and Kai Beach, dedicated Yas Mall parking
- Complimentary airport lounge access via Visa Airport Companion App
- Complimentary golf at 6 UAE courses (Arabian Ranches, Jebel Ali, The Track Meydan, Abu Dhabi City, Abu Dhabi GC, Sharjah G≻ AED 30 booking fee, min spend applies)
- Buy 1 get 1 free movie tickets at VOX Cinemas (min spend applies)
- Complimentary valet parking at select Abu Dhabi locations
- Complimentary roadside assistance (recovery, towing, fuel delivery, battery boost)
- 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.