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Co-brand rewardsVisa
Emirates NBD
SHARE Visa Platinum 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.
- 4% back as SHARE Points at Mall of the Emirates, all City Centre malls and Carrefour (in-store and online)
- 0.75% back as SHARE Points on all other retail, online and international spends
- 0.19% on groceries/fast food/insurance/car dealerships (outside SHARE) and EU/UK spends; 0.075% on petroleum, transit, government, utilities, real estate, education, telecom
- 10 SHARE Points = AED 1, instant redemption at 5,000+ stores and 18 malls across the UAE
- Buy 1 get 1 free movie tickets at VOX Cinemas
- Free-for-life card
- 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.