Emirates NBD · Visa
Emirates NBD SHARE Visa Signature
5,000 SHARE Points (worth ~AED 500) on AED 25,000 cumulative spend within first 3 billing statements.
- Annual fee
- AED 0
- FX fee
- 1.99%
- Min salary
- AED 12,000/mo
Earn rates
| dining | 6× per AED 1 |
| groceries | 6× per AED 1 |
| shopping | 6× per AED 1 |
| entertainment | 6× per AED 1 |
| everything Else | 1× per AED 1 |
Perks
- 6% back as SHARE Points at 5,000+ Majid Al Futtaim stores across 18 UAE malls
- 6% back at Mall of the Emirates, City Centre Malls (Deira, Mirdif, Me'aisem, Sharjah, etc.)
- 6% back at Carrefour (in-store and online)
- 6% back at VOX Cinemas, Magic Planet, Ski Dubai, iFly Dubai
- 1% back as SHARE Points on all other local and international spends
- Complimentary access to 1,000+ airport lounges worldwide via Visa Airport Companion App
- 24/7 concierge service
- Golf privileges
- Visa benefits: travel insurance, purchase protection
- 0% Easy Payment Plan at participating merchants
- Apple Pay, Samsung Pay, Google Pay
Launched in May 2025, the SHARE Visa Signature is Emirates NBD’s co-branded card with Majid Al Futtaim — the group behind Mall of the Emirates, City Centre Malls, Carrefour, VOX Cinemas, and more. It earns 6% back in SHARE Points across the entire MAF ecosystem and is completely free for life with no annual or joining fee.
Earn rates
All earn rates are % back in SHARE Points (1 SHARE Point = AED 0.10 in redemption value at MAF outlets):
| Spend category | Rate |
|---|---|
| All MAF brands & outlets | 6% |
| All other local & international spend | 1% |
MAF brands covered: Mall of the Emirates, all City Centre Malls (Deira, Mirdif, Me’aisem, Sharjah, Fujairah, Bahrain), Carrefour, VOX Cinemas, Magic Planet, Ski Dubai, iFly Dubai, and 5,000+ stores within MAF-managed destinations.
SHARE Points value
SHARE Points earned via this card are credited to your Majid Al Futtaim SHARE loyalty account:
- Redeemable instantly at 5,000+ MAF stores and partner outlets
- 1 SHARE Point ≈ AED 0.10 (verify redemption rate on SHARE app/website)
- Points are not transferable to airlines or hotel programs
Card tiers
| Feature | Signature (Free) | Infinite (AED 1,500) |
|---|---|---|
| MAF earn rate | 6% | 8% |
| Non-MAF earn rate | 1% | 1–2% |
| Min salary | AED 12,000 | AED 30,000 |
| Annual fee | Free for life | AED 1,500 (waived on AED 40,000 spend in 3 months) |
| Lounge access | 1,000+ via Visa Airport Companion | Unlimited |
Best for
UAE residents who regularly shop at Carrefour, visit City Centre Malls or Mall of the Emirates, or use VOX Cinemas. The 6% return at Carrefour alone can deliver strong value for families — AED 5,000/month grocery spend = AED 300 back/month.
Watch out for
- SHARE Points only redeem within MAF ecosystem — no flexibility beyond MAF brands
- Welcome bonus requires AED 25,000 spend in 3 months (~AED 8,333/month) — requires high spenders
- Non-MAF earn at 1% is below market-leading cashback cards for general use