Darna Visa Infinite Credit Card review
Cardholders earn 10% value back as Darna Points at Aldar destinations and 1.5% on non-Aldar spends. Everyday categories earn less, with grocery, supermarket, fast-food, insurance and car dealers at 0.375% and fuel, utilities, transit, government, real estate, education and telecom at 0.15%.
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. A 15,000 Darna Point welcome bonus worth AED 1,500 is split between annual-fee payment and a spend milestone.
With complimentary Darna Platinum tier status, airport lounge access through the Visa Airport Companion app and instant redemption, this Visa Infinite card is best matched to Abu Dhabi residents who spend heavily across the Aldar network.
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 30,000 |
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| Min salary discount | 5000 AED, depends on bank officialsPossible reduction of the stated minimum salary requirement, at the bank's discretion. |
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| Annual fee | AED 1,575 |
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| Fee waiver | Annual fee AED 1,575 (incl. VAT). You can request the bank for the first year free offer |
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| Interest (monthly) | 3.25% |
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| Reward type | Darna Points |
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| Reward rate | Earn 10% value back as Darna Points at Aldar destinations, plus 1.5% on non-Aldar spends10% at Aldar destinations; 1.5% on other spends; 0.375% on grocery, supermarket, fast-food, insurance and car dealers; 0.15% on fuel, utilities, transit, government, real estate, education and telecom 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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| Welcome bonus | Up to 15,000 Darna Points: 7,500 on payment of joining fee plus 7,500 when you spend AED 20,000 in first 3 months7,500 Darna Points on payment of joining fee | 7,500 Darna Points on spending AED 20,000 within first 3 months | 10 Darna Points = AED 1 |
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| Lounge access | Complimentary airport lounge access with the Visa Airport Companion app |
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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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Welcome bonus: Up to 15,000 Darna Points: 7,500 on payment of joining fee plus 7,500 when you spend AED 20,000 in first 3 months
Terms: 7,500 Darna Points on payment of joining fee | 7,500 Darna Points on spending AED 20,000 within first 3 months | 10 Darna Points = AED 1
Darna Visa Infinite Credit Card benefits
✓Get up to 10% value back as Darna Points at Aldar destinations
✓15,000 Darna Points (AED 1,500) welcome bonus
✓Instant redemption across 1,200+ Aldar destinations
✓Complimentary Darna Platinum tier status
✓Complimentary airport lounge access with Visa Airport Companion
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 Visa Infinite Credit Card fees & charges
| Annual percentage rate (APR) | 39.00% p.a. (3.25% 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 Abu Dhabi residents who frequent Aldar and Yas Island malls, hotels and attractions.
What works well
- ✓10% value back across Aldar and Yas destinations
- ✓Complimentary Darna Platinum tier status
- ✓Instant point-of-sale redemption
What to weigh up
- −High AED 30,000 salary requirement
- −Only 1.5% earned outside the Aldar network
- −Best value only if you use Aldar venues
Darna Visa Infinite Credit Card eligibility
Minimum salary of AED 30,000 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 Visa Infinite Credit Card FAQs
Minimum salary of AED 30,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 1,575. Annual fee AED 1,575 (incl. VAT). You can request the bank for the first year free offer
Earn 10% value back as Darna Points at Aldar destinations, plus 1.5% on non-Aldar spends
This card suits Abu Dhabi residents who frequent Aldar and Yas Island malls, hotels and attractions.
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.
