Marriott Bonvoy® World Elite Mastercard® review
The card earns 6 Bonvoy Points per US$1 at Marriott Bonvoy hotels and 3 Points per US$1 on both international and all other spends. Everyday categories scale down, with grocery, supermarket, fast-food, insurance and car dealers at 0.75 per US$1, fuel, utilities, government, education, telecom, real estate and transit at 0.30 per US$1, and EU/UK spends at 1.5 per US$1.
A welcome bonus of up to 200,000 Marriott Bonvoy Points helps kickstart free stays, and cardholders receive automatic Gold Elite status with a fast track to Platinum plus 15 Elite Night Credits each year. Points redeem for hotel stays, Free Night Awards and flights.
With complimentary worldwide lounge access through Mastercard Travel Pass on top of its hotel benefits, this card is best suited to frequent Marriott guests who value elite recognition and rapid points earning.
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 | Marriott Bonvoy |
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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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| Interest (monthly) | 3.25% |
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| Reward type | Marriott Bonvoy Points |
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| Reward rate | Earn 6 Bonvoy Points per US$1 at Marriott Bonvoy hotels, 3 Points per US$1 on international spends, and 3 Points per US$1 on all other spends6 Points per US$1 at Marriott properties; 3 per US$1 international; 3 per US$1 on other spends; 0.75 per US$1 on grocery, supermarket, fast-food, insurance and car dealers; 0.30 per US$1 on fuel, utilities, government, education, telecom, real estate and transit; 1.5 per US$1 on EU/UK spends Enjoy automatic Gold Elite status with a fast track to Platinum and 15 Elite Night Credits per year. Points can be redeemed for hotel stays, Free Night Awards and flights. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | Up to 200,000 Marriott Bonvoy Welcome Bonus PointsFirst/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 with 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 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 200,000 Marriott Bonvoy Welcome Bonus Points
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 200,000 Marriott Bonvoy Welcome Bonus Points
✓Earn up to 6 Bonvoy Points per US$1 at Marriott hotels
✓Automatic Gold Elite status with fast track to Platinum
✓15 Elite Night Credits per year
✓Complimentary worldwide lounge access with Mastercard Travel Pass
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
| 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
- ✓Large welcome bonus of up to 200,000 Points
What to weigh up
- −High AED 25,000 salary requirement
- −Value is best for Marriott loyalists
- −Only 3x base earn outside hotels
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 Bonvoy Points per US$1 at Marriott Bonvoy hotels, 3 Points per US$1 on international spends, and 3 Points per US$1 on all other spends
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.
