Dnata World Credit Card review
The card earns 15% at Costa Coffee, City Sightseeing, Giraffe and dnata Travel, 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and Duty Free, and 2% on all other retail (per third-party source). A 0% foreign-exchange fee applies across spends (per third-party source).
Each dnata Point equals AED 1 and redeems instantly for flights, hotels and holidays through dnata Travel, with a welcome bonus of up to 2,500 dnata points and 10% back at Dubai Duty Free.
Free access to more than 900 VIP airport lounges rounds out the package, making the card a strong fit for frequent travellers who concentrate their bookings and duty-free shopping within the dnata ecosystem.
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 20,000 |
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| Annual fee | AED 1,048.95 |
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| Fee waiver | Annual fee AED 1,048.95 (incl. VAT) |
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| Interest (monthly) | 3.25% |
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| Reward type | Dnata Points |
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| Reward rate | 15% back at Costa Coffee, City Sightseeing, Giraffe and dnata Travel; 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and Duty Free; 1.5% on all other retail spendsAccelerated rates apply at dnata partner merchants, with 2% base on other retail and a 0% foreign-exchange (forex) fee (per third-party source) Each dnata Point equals AED 1 and can be redeemed instantly for flights, hotels and holidays through dnata Travel, with 10% back at Dubai Duty Free and a 0% foreign currency fee (per third-party source) |
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| Welcome bonus | Up to 2,500 dnata points welcome bonus1,000 dnata points on payment of joining fee | 1,500 dnata points on retail spends of AED 25,000 within first 3 billing statements |
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| Lounge access | Free access to over 900 VIP airport lounges |
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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 2,500 dnata points welcome bonus
Terms: 1,000 dnata points on payment of joining fee | 1,500 dnata points on retail spends of AED 25,000 within first 3 billing statements
Dnata World Credit Card benefits
✓Up to 2,500 dnata points welcome bonus
✓Up to 15% back at dnata partner merchants
✓10% back at Dubai Duty Free with 0% forex fee (per third-party source)
✓Free access to over 900 VIP airport lounges
✓Redeem for flights, hotels and holidays via dnata Travel
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%
Dnata World Credit Card fees & charges
| Annual percentage rate (APR) | 39.00% 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% (waived for dnata World cards per fees guide) |
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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 frequent travellers who book through dnata Travel and shop duty free.
What works well
- ✓High earn at dnata partners and duty free
- ✓0% forex fee (per third-party source)
- ✓Access to 900+ airport lounges
What to weigh up
- −Best value only within the dnata and travel ecosystem
- −AED 20,000 salary requirement
Dnata World Credit Card eligibility
Minimum salary of AED 20,000 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
Dnata World Credit Card FAQs
Minimum salary of AED 20,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 1,048.95. Annual fee AED 1,048.95 (incl. VAT)
15% back at Costa Coffee, City Sightseeing, Giraffe and dnata Travel; 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and Duty Free; 1.5% on all other retail spends
This card suits frequent travellers who book through dnata Travel and shop duty free.
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.
