Dnata Platinum Credit Card review
Cardholders earn accelerated dnata Points when spending with dnata partners, alongside a base rate of roughly 0.5% on general retail (per third-party source). Every dnata Point is worth AED 1 and can be redeemed through dnata Travel, which keeps the value straightforward for frequent bookers.
Beyond rewards, the card opens the door to complimentary airport lounge access via Mastercard Travel Pass, and new cardholders can pick up a welcome bonus of up to 1,000 dnata Points. A 1.99% foreign currency fee applies on overseas spending.
With a modest AED 5,000 monthly salary requirement, it is best suited to entry-level travellers who value dnata redemptions over the higher earn rate of the dnata World card.
Card details
| Bank | Emirates NBD |
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| Card type | Travel |
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| Card network | Mastercard |
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| Co-brand | Dnata |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Annual fee of AED 525, the bank has waived the fees, and it is currently free for life |
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| Interest (monthly) | 3.69% |
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| Reward type | Dnata Points |
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| Reward rate | 15% back at Costa Coffee, City Sightseeing and Giraffe; 10% at dnata Travel, MMI, Al Hamra Cellar, Arabian Adventures and Le Clos; 5% on Duty Free; 1% on all other retail spendsPoints accelerate at dnata partner merchants; the base rate sits below that of the dnata World card (per third-party source) Each dnata Point equals AED 1 and is redeemable through dnata Travel; complimentary lounge visits come via Mastercard Travel Pass; a 1.99% foreign currency transaction fee applies |
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| Welcome bonus | Welcome bonus of up to 1,000 dnata Points500 dnata points on payment of joining fee | 500 dnata points on retail spends of AED 10,000 within first 3 billing statements |
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| Lounge access | Complimentary airport lounge access through Mastercard Travel Pass |
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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 transfers on standard Emirates NBD 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 offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05% |
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Welcome bonus: Welcome bonus of up to 1,000 dnata Points
Terms: 500 dnata points on payment of joining fee | 500 dnata points on retail spends of AED 10,000 within first 3 billing statements
Dnata Platinum Credit Card benefits
✓Welcome bonus of up to 1,000 dnata Points
✓Complimentary lounge access via Mastercard Travel Pass
✓Redeem points as AED 1 each through dnata Travel
✓Low AED 5,000 salary entry point
✓Cash advance and Loan on Card facilities
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 transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05%
Dnata Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. |
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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% |
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| Minimum payment | 5% of the total payment due or AED 100, whichever is higher |
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| Interest-free period | 25 to 55 days from 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 travellers who want to collect dnata rewards without a high salary threshold.
What works well
- ✓Accessible AED 5,000 salary requirement
- ✓Points redeemable directly through dnata Travel
- ✓Airport lounge access with Mastercard Travel Pass
What to weigh up
- −Earns less than the dnata World card
- −Reward value is tied to the dnata travel ecosystem
Dnata Platinum Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 5,000 a month; an Emirates ID is required
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Dnata Platinum Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 5,000 a month; an Emirates ID is required
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
15% back at Costa Coffee, City Sightseeing and Giraffe; 10% at dnata Travel, MMI, Al Hamra Cellar, Arabian Adventures and Le Clos; 5% on Duty Free; 1% on all other retail spends
This card suits entry-level travellers who want to collect dnata rewards without a high salary threshold.
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.
