Marriott Bonvoy® World Mastercard® review
The card earns up to 3 Marriott Bonvoy Points per US$1 spent, a step below the World Elite tier, with reduced rates on international, grocery, fuel and utility categories.
The welcome offer is one Free Night Award worth 35,000 points, earned on US$6,000 of cumulative retail spend within the first three billing statements. A second Free Night Award of the same value arrives on every card anniversary. Cardholders also receive automatic Silver Elite status with a fast track to Gold, plus 10 Elite Night Credits each calendar year.
Points can also be earned at participating restaurants without staying the night. With worldwide lounge access through Mastercard Travel Pass and no annual fee, this card is a good match for occasional Marriott guests who want free nights without a premium fee.
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 12,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life (page shows joining fees 'Free for life', annual fee 0); standard fee AED 315 per price guide if offer ends |
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| Reward type | Marriott Bonvoy Points |
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| Reward rate | Earn up to 3 Marriott Bonvoy Points per US$1 spent, a lower tier than the World Elite cardUp to 3 Points per US$1 at Marriott properties, with reduced rates on international, grocery, fuel and utility categories Automatic Marriott Bonvoy Silver Elite status with a fast track to Gold Elite, plus 10 Elite Night Credits each calendar year and 1 Free Night Award worth 35,000 points on each card anniversary. Points can be redeemed for stays and Free Night Awards, and cardholders earn points on participating restaurants without staying. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | 1 Free Night Award worth 35,000 Marriott Bonvoy points on US$6,000 cumulative retail spend within the first three billing statementsCumulative retail spend of US$6,000 within first 3 billing statements from card issuance | Each Free Night Award redeemable at hotels at or under 35,000 points | Award value can be topped up with up to 15,000 points | Marriott Bonvoy programme T&Cs apply |
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| Lounge access | Complimentary airport lounge access worldwide via the Mastercard Travel Pass app (enrolment required): 1 visit free, further visits need a USD 1 international transaction in the prior 3 months (8 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: 1 Free Night Award worth 35,000 Marriott Bonvoy points on US$6,000 cumulative retail spend within the first three billing statements
Terms: Cumulative retail spend of US$6,000 within first 3 billing statements from card issuance | Each Free Night Award redeemable at hotels at or under 35,000 points | Award value can be topped up with up to 15,000 points | Marriott Bonvoy programme T&Cs apply
Marriott Bonvoy® World Mastercard® benefits
✓1 Free Night Award worth 35,000 points as a welcome offer
✓1 Free Night Award worth 35,000 points every card anniversary
✓Earn up to 3 Bonvoy Points per US$1 spent
✓Automatic Silver Elite status with fast track to Gold
✓10 Elite Night Credits per year
✓Complimentary worldwide lounge access with Mastercard Travel Pass
✓Earn points on participating restaurants without a hotel stay
✓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 Mastercard® fees & charges
| Interest (monthly) | 3.25% |
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| Annual percentage rate (APR) | 39.00% p.a. (3.25% per month) |
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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 occasional Marriott guests who want free nights at a modest fee.
What works well
- ✓Free Night Award worth 35,000 points as a welcome offer
- ✓Another Free Night Award every card anniversary
- ✓Automatic Silver Elite status with Gold fast track
- ✓Free for life entry into Bonvoy
What to weigh up
- −Lower earn rate than the World Elite card
- −Value tied to Marriott stays
- −Welcome Free Night Award needs US$6,000 of spend in three statements
Marriott Bonvoy® World Mastercard® eligibility
Minimum salary of AED 12,000 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 Mastercard® FAQs
Minimum salary of AED 12,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn up to 3 Marriott Bonvoy Points per US$1 spent, a lower tier than the World Elite card
This card suits occasional Marriott guests who want free nights at a modest fee.
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.
