Duo Credit Cards review
The rewards centre on daily needs: 5% Plus Points on grocery, utilities, electronics, education and fuel, and 0.5% on everything else. To unlock the 5% rate you need to spend at least AED 5,000 in a month; fall short and the bonus categories earn 1.5% Plus Points instead, so the card rewards consistent monthly use.
Because it arrives as two cards, you gain both Diners Club and Mastercard Platinum acceptance, along with complimentary worldwide lounge access, buy-one-get-one tickets at Royal Cinemas and concierge support. Points are redeemable for cashback, travel or gift cards.
With a AED 12,000 salary requirement, it is best suited to households whose regular grocery, utility and fuel spending clears the AED 5,000 monthly mark.
Card details
| Bank | Emirates NBD |
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| Card type | Rewards |
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| Card network | Diners Club & Mastercard |
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| Minimum salary | AED 12,000 |
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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 | Plus Points |
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| Reward rate | 5% Plus Points on grocery, utilities, electronics, education and fuel, and 0.5% on all other spendsA minimum monthly spend of AED 5,000 is required to earn 5% on the bonus categories; if that threshold is not met, you earn 1.5% Plus Points instead A package of two cards, a Diners Club and a Mastercard Platinum; Plus Points can be redeemed for cashback, travel or gift cards; a 1.99% foreign currency transaction fee applies |
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| Lounge access | Complimentary airport lounge access worldwide, buy-one-get-one on tickets at Royal Cinemas, and concierge services |
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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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Duo Credit Cards benefits
✓Up to 5% Plus Points on grocery, electronics, utilities, education and fuel
✓Two cards in one package, Diners Club and Mastercard Platinum
✓Complimentary worldwide airport lounge access
✓Buy-one-get-one tickets at Royal Cinemas
✓Free for life with no annual fee
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%
Duo Credit Cards 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 (max cash advance 50% of card limit) |
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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 ~1.15% Visa/MC processing) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher (plus installments/insurance/overdue/overlimit in full) |
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| Interest-free period | Up to 55 days (25 to 55 days from transaction date) |
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| Card replacement fee | AED 21.00 (all cards other than Go4it) |
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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 is made for households that want 5% back on everyday essential categories.
What works well
- ✓5% back on grocery, utilities, fuel, education and electronics
- ✓Two cards in one package
- ✓Unlimited lounge access
What to weigh up
- −Requires AED 5,000 monthly spend for the top rate
- −Only 0.5% on non-bonus categories
- −Diners Club acceptance is narrower
Duo Credit Cards eligibility
Open to UAE residents aged 21 and over earning at least AED 12,000 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
Duo Credit Cards FAQs
Open to UAE residents aged 21 and over earning at least AED 12,000 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.
5% Plus Points on grocery, utilities, electronics, education and fuel, and 0.5% on all other spends
This card is made for households that want 5% back on everyday essential categories.
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.
