Marriott Bonvoy® World Elite Mastercard® review
The card earns 6 Bonvoy Points per US$1 at Marriott Bonvoy hotels and up to 3 Points per US$1 on international and general domestic spends. Everyday categories scale down, with grocery, supermarket, fast-food, insurance and car dealers at 0.75 per US$1, and fuel, utilities, government, education, telecom, real estate and car-hailing at 0.30 per US$1. Spend in the EU and UK earns half the international rate.
The welcome bonus is worth up to 150,000 Marriott Bonvoy Points: 75,000 on activating the card and paying the joining fee, and a further 75,000 on US$15,000 of retail spend within the first three billing statements. Cardholders also get automatic Gold Elite status with a fast track to Platinum, 15 Elite Night Credits a year, and a Free Night Award worth 50,000 points on every card anniversary.
An optional Express Points programme adds up to 50% more points each month, capped at 12,000 Express Points, for AED 300 a month - and enrolling waives the annual fee. With worldwide lounge access through Mastercard Travel Pass and UAE golf privileges on top, the card suits frequent Marriott guests who value elite recognition and fast points earning.
Card details
| Bank | Emirates NBD |
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| Card type | Travel |
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| Co-brand | Marriott Bonvoy |
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| Cinema | VOX Cinemas, Reel Cinemas, Cine RoyalBuy 1 Get 1 free movie tickets at Cine Royal (up to 3 free a month), VOX Cinemas (up to 3 tickets a month) and Reel Cinemas (up to 2 free a month), booked via each cinema's website or app; ENBD's AED 5,000 minimum monthly card spend applies |
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| Minimum salary | AED 25,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | Annual fee AED 1,575 (incl. VAT) |
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| Reward type | Marriott Bonvoy Points |
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| Reward rate | Earn 6 Marriott Bonvoy Points per US$1 at Marriott Bonvoy hotels; up to 3 Points per US$1 on international spend; up to 3 Points per US$1 on general domestic spendGeneral retail earns 3 Points per US$1. Reduced rates apply by category: 0.75 Points per US$1 on groceries and supermarkets, insurance, car dealerships and quick-service restaurants; 0.30 Points per US$1 on real estate, education, petroleum, government services, car-hailing, food delivery apps and bill payments including utilities and telecom. Spend in the EU and UK earns 50% of the international rate Automatic Marriott Bonvoy Gold Elite status with a fast track to Platinum Elite, plus 15 Elite Night Credits each calendar year and 1 Free Night Award worth 50,000 points on each card anniversary. Optional Express Points programme adds up to 50% more points monthly (max 12,000 Express Points) for AED 300 a month, which also waives the annual fee. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | Up to 150,000 Marriott Bonvoy Welcome Bonus Points: 75,000 on card activation and payment of the joining fee, plus 75,000 on US$15,000 retail spend within the first three billing statementsFirst/joining year only, not on renewal | 100,000 points on activation and payment of joining fee | Additional 100,000 points on US$15,000 retail spend within first 3 billing statements | Introductory bonus credited only after joining fee paid and card activated |
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| Lounge access | Complimentary airport lounge access worldwide via the Mastercard Travel Pass app (enrolment required): 2 visits free, further visits need a USD 1 international transaction in the prior 3 months (14 visits a year per third-party reporting); ENBD also requires an AED 5,000 minimum monthly card spend in the month the benefit is used |
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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 150,000 Marriott Bonvoy Welcome Bonus Points: 75,000 on card activation and payment of the joining fee, plus 75,000 on US$15,000 retail spend within the first three billing statements
Terms: First/joining year only, not on renewal | 100,000 points on activation and payment of joining fee | Additional 100,000 points on US$15,000 retail spend within first 3 billing statements | Introductory bonus credited only after joining fee paid and card activated
Marriott Bonvoy® World Elite Mastercard® benefits
✓Up to 150,000 Marriott Bonvoy welcome bonus points
✓Earn 6 Bonvoy Points per US$1 at Marriott hotels
✓Automatic Gold Elite status with fast track to Platinum
✓15 Elite Night Credits per year
✓1 Free Night Award worth 50,000 points every card anniversary
✓Complimentary worldwide lounge access with Mastercard Travel Pass
✓Complimentary golf access across the UAE
✓Buy 1 Get 1 free movie tickets at Cine Royal (up to 3 free a month), VOX Cinemas (up to 3 tickets a month) and Reel Cinemas (up to 2 free a month), booked via each cinema's website or app; ENBD's AED 5,000 minimum monthly card spend applies
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%
Marriott Bonvoy® World Elite Mastercard® fees & charges
| Interest (monthly) | 3.25% |
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| 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% |
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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 Marriott guests who want elite status and fast points accumulation.
What works well
- ✓6x Points at Marriott hotels
- ✓Automatic Gold Elite status with Platinum fast track
- ✓Welcome bonus of up to 150,000 Points
- ✓Free Night Award worth 50,000 points every anniversary
What to weigh up
- −High AED 25,000 salary requirement
- −Value is best for Marriott loyalists
- −Only 3x base earn outside hotels, and as little as 0.30x on fuel, utilities and education
Marriott Bonvoy® World Elite Mastercard® eligibility
Minimum salary of AED 25,000 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
Marriott Bonvoy® World Elite Mastercard® FAQs
Minimum salary of AED 25,000 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)
Earn 6 Marriott Bonvoy Points per US$1 at Marriott Bonvoy hotels; up to 3 Points per US$1 on international spend; up to 3 Points per US$1 on general domestic spend
This card suits frequent Marriott guests who want elite status and fast points accumulation.
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.
