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Co-brand rewardsVisa
Emirates NBD
noon One Visa 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 bonus of AED 500 on AED 5,000 spend in the first two months (new-to-bank/new-to-card customers only)
- 20% back as noon credits on noon Food orders
- 10% back as noon credits on NowNow
- 5% back as noon credits on noon, Namshi, supermall and noon Minutes (noon Minutes also 15% off non-electronics, 5 orders/month up to AED 30)
- noon credits earnings capped at AED 2,000 back per month
- 1-year free noon One membership and 50% off thereafter
- Up to 1% back on all other spends
- Buy 1 get 1 free at VOX Cinemas up to 3 tickets a month on AED 3,500 monthly spend (moving to Reel Cinemas from 1 August 2026)
- Bon Appetit dining, LiveWell wellness and GoodTimes entertainment discounts
- 0% instalment plans
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.