Darna Select Visa Credit Card review
The card earns 6.25% value back as Darna Points at Aldar destinations and a lower rate on other spends, with reduced rates applied to non-Aldar, grocery, fuel and utility categories.
Ten Darna Points equal AED 1 and can be redeemed instantly at the point of sale across more than 1,200 Aldar destinations, from Yas Mall and Yas Island parks to hotels, golf and dining, or for gift cards and services.
With no annual fee, complimentary Darna Silver tier status and access to The Dubai Mall Fashion Lounge, this Visa card is a straightforward starter option for customers who use Aldar venues and want a free co-brand card.
Card details
| Bank | Emirates NBD |
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| Card type | Lifestyle |
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| Card network | Visa |
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| Co-brand | Aldar (Darna) |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life |
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| Interest (monthly) | 3.69% |
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| Reward type | Darna Points |
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| Reward rate | Earn 6.25% value back as Darna Points at Aldar destinations, with a lower rate on other spends6.25% at Aldar destinations, with reduced rates on non-Aldar, grocery, fuel and utility categories Ten Darna Points equal AED 1 and can be redeemed instantly at the point of sale across 1,200+ Aldar destinations, including Yas Mall, Yas Island parks, hotels, golf and dining, or for gift cards and services. Foreign currency transaction fee is 1.99% |
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| Lounge access | Complimentary access to The Dubai Mall Fashion Lounge for the cardholder plus one guest per visit, along with complimentary delivery service |
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| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
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| Balance transfer | Balance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05% |
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Darna Select Visa Credit Card benefits
✓Get up to 6.25% value back as Darna Points at Aldar destinations
✓No annual fee
✓Instant redemption across 1,200+ Aldar destinations
✓Complimentary Darna Silver tier status
✓Access to The Dubai Mall Fashion Lounge
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfer offered on standard ENBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are available; 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month), with an early-settlement fee of 1.05%
Darna Select Visa Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. (3.69% per month) |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95, whichever is higher |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% currency conversion fee (plus approx. 1.15% network processing fee) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher |
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| Interest-free period | 25 to 55 days from the transaction date |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits entry-level customers who use Aldar venues and want a free co-brand card.
What works well
- ✓No annual fee
- ✓6.25% value back at Aldar destinations
- ✓Complimentary Darna Silver tier status
What to weigh up
- −Lowest Darna earn tier
- −Value tied to the Aldar network
Darna Select Visa Credit Card eligibility
Minimum salary of AED 5,000 per month; UAE resident aged 21 or over with a valid Emirates ID
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Darna Select Visa Credit Card FAQs
Minimum salary of AED 5,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn 6.25% value back as Darna Points at Aldar destinations, with a lower rate on other spends
This card suits entry-level customers who use Aldar venues and want a free co-brand card.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
