The Emirates NBD Visa Infinite is the bank’s anchor Plus-Points card for the AED 30,000+ salary band. It sits at the top of the conventional (non-co-branded) Visa range and is positioned as the all-rounder for ENBD’s priority-segment customers — provided you are willing to route your salary to the bank.
- Annual fee
- AED 1,575 incl. VAT
- Min salary
- AED 30,000/mo
- Top earn rate
- 0.4% Groceries
Pros
- Visa Infinite benefits package — airport lounge access via Visa Airport Companion, concierge and valet at selected Abu Dhabi locations
- Plus Points are earned on every transaction including the modest 0.4% category boosts on supermarkets, insurance and car-dealership spend
- Sits inside the ENBD product ladder once your salary is at the bank — useful for mortgage and personal-loan pre-approval
- Low FX fee relative to some UAE Visa Infinites in the segment, though not zero
Cons
- AED 30,000 minimum monthly salary excludes most early-career expats
- Salary transfer is mandatory — clawback applies if you change jobs or leave the UAE inside tenure
- AED 1,575 annual fee with no published volume-based waiver
- Earn rate is structurally thin — 2 Plus Points per AED 100 is modest for a Visa Infinite tier card
- 1.99% FX fee on every non-AED transaction; not the zero-FX travel card it can read as
Earn rates
Plus Points are earned on every transaction, with small category boosts on groceries, insurance, fuel and utilities:
- Groceries
- 0.4%
- Fuel
- 0.2%
- Everything else
- 2%
Fee summary
The annual fee is AED 1,575 with no published volume-based waiver — pay it every year unless ENBD runs a promotional waiver, which is not the standing position. The foreign-currency fee is 1.99%, levied on every non-AED transaction including foreign-online USD or GBP merchants. That is lower than some UAE Visa Infinites in the segment, but it is not zero and it is not the “free FX” the premium-card positioning can imply. As with any rewards card, clear the statement in full each month.
What you get — per-benefit value
The earn is denominated in ENBD Plus Points, which carry no published AED redemption value — so the countable value sits in the Visa Infinite chrome, counted against the AED 1,575 fee.
Plus Points earn (2 Plus Points per AED 100 general)
Value to me: not computable — conversion unpublished. ENBD publishes no Plus Points→AED rate; Plus Points redeem inside the ENBD portal at rates quoted at redemption, below par against direct airline miles. Don’t read the earn as a percentage return.
Airport lounge access (Visa Airport Companion, 1,000+ lounges)
No visit cap is published on the issuer page. At the AED 200 walk-in equivalent we use across reviews: four flown trips a year is Value to me: AED 800/year; a heavy flyer at ten visits, AED 2,000/year. Verify the current cap and provider on activation — issuer lounge terms rotate.
Valet parking (selected Abu Dhabi locations)
At the AED 50–80 mall-valet band we use across reviews, a once-a-month user books Value to me: AED 600–960/year — Abu Dhabi locations only, so AED 0 for the Dubai-based reader.
Concierge
No market-price equivalent we’d stand behind. Value to me: AED 0 unless you already pay for an errand service.
Total package: an Abu Dhabi-based holder flying four trips a year and using valet monthly sums the chrome to roughly AED 1,400–2,960/year against the AED 1,575 fee — a wash to slightly positive. A Dubai-based light flyer counts the lounge line only (~AED 800/year) and does not recover the fee on perks; the mortgage-and-loan ladder access has to make up the rest, which is the honest framing of this card.
Key conditions to know
- Plus Points earn structure
- 2 Plus Points per AED 100 on general spend; 0.4% on supermarkets, insurance and car-dealership spend; 0.2% on fuel, utilities, real estate and education. Points are subject to a per-statement cap and redeem inside the ENBD Plus Points portal.
- Salary transfer
- Required. Salary of AED 30,000+ a month must be credited to Emirates NBD; clawback applies if you leave the bank or the UAE inside the tenure window — review the bank’s salary-transfer T&Cs before signing.
- Annual fee
- AED 1,575. No published volume-based waiver — the card is not free at any spend tier on the standing terms.
- Foreign-currency fee
- 1.99% on every non-AED transaction. Not zero.
- Visa Infinite benefits
- Complimentary airport-lounge access via the Visa Airport Companion app (1,000+ lounges worldwide), concierge service, and valet parking at selected Abu Dhabi locations. Programme detail should be re-checked against the latest issuer summary before relying on it.
- Eligibility
- Minimum salary AED 30,000; UAE residency required; salaried applicants. Documentation: Emirates ID and passport copy, salary certificate, and recent bank statements.
Watch out for
- Salary-transfer clawback. The card is gated on a salary transfer to Emirates NBD. If you change jobs or leave the UAE inside the bank’s tenure window, expect a clawback on any joining incentives and the loss of any preferential pricing — read the salary-transfer T&Cs before signing.
- The earn rate is modest. 2 Plus Points per AED 100 is not a 2% cashback return — Plus Points redeem below par against airline miles, so the effective everyday yield is small.
- The 1.99% FX fee. This is not a zero-FX card. For routine non-AED online spend, pair it with a card that carries a lower foreign-currency fee.
- No published volume-based fee waiver. Don’t budget on the AED 1,575 disappearing at a spend threshold — it doesn’t, on the standing terms.
Bottom line
If your salary is already at Emirates NBD and you value the Visa Infinite chrome — lounge access, concierge, valet at selected Abu Dhabi locations — plus the bank’s mortgage and personal-loan ladder, this is the default in-ecosystem card. The earn rate is modest, but the access it sits inside is the actual product.
It’s the wrong card if you’re judging it on rewards alone. A Skywards Infinite earns more redemption value per AED on travel; a flat-rate cashback card earns more on everyday spend; and the 1.99% FX rules it out as a dedicated travel card. Apply if your salary is already at ENBD and you want the chrome. Skip if you’d have to move banks, or want a high-yield primary — this is a complement, not a destination.