Darna Visa Signature Credit Card review
The card earns 7.5% value back as Darna Points at Aldar destinations and around 1.5% on non-Aldar spends, with other, grocery, fuel and utility categories scaled below the Infinite tier.
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 complimentary Darna Gold tier status, airport lounge access through the Visa Airport Companion app and a low AED 300 annual fee, for now free for life, this Visa Signature card suits shoppers who use the Aldar network but want a mid-tier option at lower cost.
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 12,000 |
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| Min salary discount | 2000 AED, depends on bank officialsPossible reduction of the stated minimum salary requirement, at the bank's discretion. |
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| Annual fee | Free for life |
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| Fee waiver | Standard annual fee AED 315 (incl. VAT); currently free for life for a limited time only |
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| Interest (monthly) | 3.69% |
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| Reward type | Darna Points |
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| Reward rate | Earn 7.5% value back as Darna Points at Aldar destinations, plus around 1.5% on non-Aldar spends7.5% at Aldar destinations, with a reduced rate on other, grocery, fuel and utility categories scaled below the Infinite tier 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 | 3,000 Darna Points when you spend AED 15,000 in first 3 months3,000 Darna Points welcome bonus | 3,000 Darna Points on spending AED 15,000 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: 3,000 Darna Points when you spend AED 15,000 in first 3 months
Terms: 3,000 Darna Points welcome bonus | 3,000 Darna Points on spending AED 15,000 within first 3 months | 10 Darna Points = AED 1
Darna Visa Signature Credit Card benefits
✓Get up to 7.5% value back as Darna Points at Aldar destinations
✓Instant redemption across 1,200+ Aldar destinations
✓Complimentary Darna Gold tier status
✓Low AED 300 annual fee
✓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 Signature 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 Aldar-network shoppers who want a mid-tier Darna card at a low fee.
What works well
- ✓7.5% value back at Aldar destinations
- ✓Complimentary Darna Gold tier status
- ✓Low annual fee
What to weigh up
- −Lower Aldar earn rate than the Infinite tier
- −Value tied to the Aldar network
Darna Visa Signature Credit Card eligibility
Minimum salary of AED 12,000 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 Signature Credit Card FAQs
Minimum salary of AED 12,000 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 7.5% value back as Darna Points at Aldar destinations, plus around 1.5% on non-Aldar spends
This card suits Aldar-network shoppers who want a mid-tier Darna card at a low fee.
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.
