- Annual fee
- Free for life
- Minimum monthly salary
- AED 12,000
- Welcome bonus
- None listed right now
No annual fee
Our take
A two-card pack (Mastercard plus Diners Club) paying 5% Plus Points on groceries, electronics, utilities, education and fuel.
Good for
Households spending AED 5,000+ a month on everyday categories.
Watch out for
Below AED 5,000 a month the rate drops to 1.5%, and points are capped at 500 per statement.
Written by the MoneyVS team from Emirates NBD's published terms. Not personal advice.
What you need
| Minimum salary | AED 12,000 a month |
|---|---|
| Top earn rates need | AED 5,000 a month5% rate needs AED 5,000 spend per statement, otherwise 1.5% |
| Reward cap | Max 500 Plus Points per statement |
| Perk spend rule | Cine Royal buy 1 get 1 (AED 125 + VAT charge if spend is below the minimum)null card spend that month |
Taken from Emirates NBD's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
What you earn
- 5% Plus Points on groceries, electronics, utilities, education and fuel
- 1.5% on those categories if you spend under AED 5,000
- 0.5% on everything else
Included benefits
- Airport lounges
- Golf
- Cinema offers
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
ENBD Duo: common questions
What salary do I need for the ENBD Duo?
Emirates NBD asks for a minimum monthly salary of AED 12,000.
Does the ENBD Duo have an annual fee?
No. The bank says it is free for life.
Is there a minimum monthly spend?
Yes. 5% rate needs AED 5,000 spend per statement, otherwise 1.5%.
Similar rewards cards
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0%matchPriority / Premier clientsEmirates NBD
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5% Plus Points on single purchases of AED 5,000 or more
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- AED 1,575 from yr 2
- Min. salary
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- Bonus needs
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- Min. salary
- AED 12,000
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No welcome bonus right now
- Airport lounges
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- Cinema offers