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Rewards Mechanism

  •  5% Plus Points on grocery, electronics, utilities, education, and fuel.
  •  0.5% Plus Points on other spends, including travel, dining, hotels, and online.

Why We Choose It

  • Exclusive for Abu Dhabi residents.
  • Two credit cards in one.

Welcoming Gift/Bonus

Emirates NBD Duo Credit Card is exclusive for Abu Dhabi residents with no annual fees for a limited time.

Annual Fee (inclusive of Vat)

AED 840

Minimum Salary Requirement

AED 12,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.49%

Rewards program

  • ENBD Plus Points Program ( 1 plus point= 1 AED).
Reward Mechanism:
  •  5% Plus Points on grocery, electronics, utilities, education, and fuel.
  •  0.5% Plus Points on other spends, including travel, dining, hotels, and online.

Redeem points:

Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.

Key benefits

  • Complementary Lounge access for 1 person.
  • Two cards: a Diners Club and a Mastercard credit card.
  • Buy 1, get 1 movie ticket free at Royal Cinemas.
  • Concierge services.
  • Complimentary access to golf courses across the UAE.

Other benefits

  • Valet Parking at selected locations in Abu Dhabi.

Why We Choose It

  • Exclusive for Abu Dhabi residents.
  • Two credit cards in one.

What We Did Not Like

  • Only 0.5% points on other spends including travel, dining, hotels and online.
  • Relatively high annual fee, but currently waived under an exclusive limited-time offer.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.