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Everyday
Emirates NBD
Diners Club Credit Card
No salary transfer needed
Min. salary
AED 12,000
Annual fee
AED 420
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 420
- 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 12,000
- 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.
- Plus Points on spends: 5% on Duty Free, 2.5% on dining, 0.5% on all other spends (earning cap per statement applies)
- Unlimited complimentary airport lounge access for the cardholder at 1,500+ premium lounges in 700+ cities (supplementary cardholders included; min spend criteria applies; guests charged extra)
- Up to 30% discount at over 2,000 restaurants across the UAE
- Free insurance on big purchases
- Emergency and security services plus free roadside assistance
- Instant Plus Points redemption at key merchant outlets
- 0% Easy Payment Plans at select merchant outlets; utility bill payments facility
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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.