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Travel
Emirates NBD
dnata World Credit Card
No salary transfer needed
Min. salary
AED 20,000
Annual fee
AED 1,048.95
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 stated
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 1,048.95
- Fee note
- No standard waiver stated
- 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 20,000
- 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.
- Introductory offer: up to 2,500 dnata points (1,000 on payment of joining fee, 1,500 on AED 25,000 retail spend in first 3 billing statements)
- 15% dnata points on Costa Coffee, City Sightseeing, Giraffe and dnata Travel spends
- 10% dnata points at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and on Duty Free shopping
- 1.5% dnata points on all retail spends
- Unlimited complimentary access to 1,000+ lounges in 300+ cities via Mastercard Travel Pass (self only)
- Complimentary golf at top UAE courses (AED 30 booking processing fee)
- Concierge services and 4 complimentary valet parking services per month in Abu Dhabi
- 0% instalment plans over 3, 6, 12 or 24 months at participating merchants
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.