Emirates NBD SHARE Visa Infinite review (May 2026) | DubaiPoints

The SHARE Visa Infinite is Emirates NBD’s premium co-branded Visa with Majid Al Futtaim — launched in May 2025 and built around 8% back in SHARE Points across the MAF ecosystem, with unlimited lounge access stacked on top.

Annual fee

AED 1,575 incl. VAT

Min salary

AED 30,000/mo

Top earn rate

0.375% Groceries

Welcome bonus

10k SHARE Points

Earn rates

All earn rates are credited as % back in SHARE Points (10 SHARE Points = AED 1 in redemption value at MAF outlets):

Groceries

0.375%

Fuel

0.15%

Everything else

1.5%

Partner brands here means the full Majid Al Futtaim footprint — Mall of the Emirates, all City Centre malls (Deira, Mirdif, Me’aisem, Sharjah, Fujairah and beyond), Carrefour in-store and online, VOX Cinemas, Magic Planet, Ski Dubai, iFly Dubai, and 5,000+ stores at MAF-managed destinations.

Fee summary

The headline numbers: an AED 1,500 joining fee in year one (refunded on AED 40,000 spend in 90 days), and an AED 1,575 annual fee from year two with no published spend-based waiver. FX is 1.99%, the monthly interest rate is 3.25% (~39% APR), and all fees include 5% VAT.

Welcome bonus breakdown

Trigger threshold is the same AED 40,000 spend in 90 days that refunds the joining fee — so a household that clears it once gets both the AED 1,500 fee refund and 10,000 SHARE Points (AED 1,000) at the same time. ENBD has also been running an AED 500 YOUGotaGift HappyYOU Card top-up on online applications; verify on the application page that this is live before you apply.

What you get — per-benefit value

SHARE Points carry a published redemption rate — 10 points = AED 1 at MAF outlets — so unlike most closed-loop currencies we can price this card in dirhams directly. The fees to beat: AED 1,500 joining in year one (refundable on spend) and AED 1,575 annual from year two.

Welcome bonus

10,000 SHARE Points on AED 40,000 of spend in the first 90 days. Value to me: AED 1,000, one-time at the published 10-points-per-AED-1 rate — spendable only inside MAF. The AED 500 YOUGotaGift card on online applications is a campaign extra; count it only after confirming it’s live on the application page.

Joining-fee refund

The AED 1,500 joining fee refunds on the same AED 40,000 / 90-day threshold. Value to me: AED 1,500, one-time — an avoided cost rather than earn, but real money. Clear the threshold and year one is effectively free.

8% earn across the MAF footprint

Value to me: AED 4,800/year on AED 5,000 a month of MAF spend (Carrefour, City Centre, VOX and the rest); AED 2,880/year at AED 3,000 a month. Paid as SHARE Points at face value when redeemed at an MAF till — the figure only realises if you keep shopping the ecosystem.

1.5% on general spend

Value to me: AED 540/year on AED 3,000 a month of non-MAF spend — but a flat 1%+ AED-cashback card pays similar value in open currency, so we’d route this spend elsewhere and treat the line as AED 0 in practice.

Unlimited Visa Airport Companion lounge access

Cardholder + 1 guest at 1,200+ lounges. At the AED 200 walk-in equivalent we use across reviews: Value to me: AED 1,600/year on four trips with a guest; AED 800/year for a two-trip-a-year traveller flying solo with a companion.

Golf, concierge, travel insurance

Up to 40% off green fees at 100+ courses plus complimentary rounds at select UAE courses. We carry no published green-fee baseline to price the discount against, and concierge and insurance only pay out when used. Value to me: AED 0 for most readers — genuine upside for a regular golfer, but utilisation-dependent and unpriced by design.

Total package: an MAF-heavy household (AED 5,000 a month in-ecosystem, four flown trips with a guest) collects roughly AED 8,900 in year one (welcome + fee refund + earn + lounge) against the AED 1,500 joining fee it refunds — and about AED 5,600–6,400/year ongoing against the AED 1,575 renewal. At AED 2,000 a month of MAF spend the ongoing package thins to roughly AED 2,700/year — still ahead of the fee, but the free-for-life Signature likely nets out better at that level.

Key conditions to know

SHARE programme

SHARE is Majid Al Futtaim’s lifestyle loyalty currency. 10 SHARE Points = AED 1 in redemption value at MAF stores and partner outlets. Points are not transferable to airline or hotel programmes.

MAF footprint

Mall of the Emirates, every City Centre mall, Carrefour (in-store and online), VOX Cinemas, Magic Planet, Ski Dubai, iFly Dubai, plus 5,000+ stores at MAF-managed destinations. The 8% rate applies at all of them.

Lounge access

Unlimited Visa Airport Companion access at 1,200+ lounges worldwide (not Priority Pass). Cardholder + 1 guest on most lounges; verify per-location guest policy.

Joining-fee refund

AED 1,500 joining fee refunded on AED 40,000 cumulative spend in the first 3 months. Refund posts after the qualifying statement, not at the threshold itself.

Eligibility

Minimum salary AED 30,000/month; UAE resident, salaried or self-employed or business owner; age 21+. Salary transfer not strictly required but improves approval odds.

SHARE Infinite vs SHARE Signature

The Infinite pays 2 percentage points more on the MAF rate (8% vs 6%) and adds unlimited lounge access — but it costs AED 1,575 a year from year two with no waiver, and the salary bar is more than double. The decision rule: if you’ll spend more than ~AED 75,000 a year inside MAF, the 2-point gap beats the renewal fee even with the lounge perk taken at zero value. Below that, the Signature is the right call.

Watch out for

• The AED 1,575 annual fee from year two has no waiver. Only the joining fee is refundable. Model year-two MAF spend before you apply.
• SHARE Points are closed-loop. Useful only at MAF — no airline, hotel, or cash redemption flexibility. If your loyalty drifts away from Carrefour and City Centre, the points strand.
• 1.5% on general spend is below average for a card at this fee. Pair with a flat-rate cashback or miles card for non-MAF spend.
• Groceries outside Carrefour earn just 0.375%; fuel and utilities earn 0.15%. Treat this as a category card, not an everywhere card.

Bottom line

For a UAE household whose monthly retail and dining spend lands inside Majid Al Futtaim — Carrefour for groceries, City Centre or Mall of the Emirates for shopping, VOX for cinema, Ski Dubai or iFly for family weekends — the Infinite returns more than any other UAE card on this ecosystem. AED 5,000 a month at Carrefour alone is AED 400 of SHARE value; add a weekly VOX trip and a few MAF mall swipes and the AED 1,575 renewal clears inside four months. For frequent travellers, the unlimited Visa Airport Companion access neutralises a further chunk of the fee — a comparable standalone subscription runs AED 1,000+ a year.

Apply if household spend is MAF-heavy and you’ll clear AED 40,000 in 90 days; pair with a flat-cashback card like the CBD One for everything else. Skip if your spend is spread across non-MAF merchants — the Signature is the same earn engine with no fee, and 1.5% on general spend isn’t enough to carry the AED 1,575 renewal.