Mastercard Platinum Credit Card review
Retail spending earns 1.5 Plus Points for every AED 100, with the usual reduced rates on utility and government categories. Points are flexible, redeemable for cashback, travel or gift cards, so the card fits general day-to-day use rather than a single spending niche.
The lifestyle extras add real value: complimentary access to more than 900 airport lounges and up to 30% off at over 2,000 restaurants across the UAE. A 1.99% foreign currency fee applies abroad, and the interest rate sits at 3.69% per month.
With a AED 12,000 salary requirement and no annual fee under the current offer, it is a solid pick for everyday spenders who want lounge and dining benefits without a recurring cost.
Card details
| Bank | Emirates NBD |
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| Card type | Rewards |
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| Card network | 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 | Standard annual fee AED 735 (incl. VAT) per price guide; currently no annual fee as exclusive current offer |
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| Interest (monthly) | 3.69% |
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| Reward type | Plus Points |
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| Reward rate | 1.5 Plus Points for every AED 100 of retail spendThe base rate is 1.5 points per AED 100 on retail spend, with the standard reduced rates on utility and government categories Plus Points can be redeemed for cashback, travel or gift cards; dining discounts of up to 30% are available; a 1.99% foreign currency transaction fee applies |
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| Lounge access | Complimentary access to over 900 airport lounges, plus up to 30% off at more than 2,000 restaurants across the UAE |
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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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Mastercard Platinum Credit Card benefits
✓Earn up to 1.5 Plus Points per AED 100 of retail spend
✓Complimentary access to 900+ airport lounges
✓Up to 30% off at more than 2,000 UAE restaurants
✓Redeem points for cashback, travel or gift cards
✓Currently free for life as a limited offer
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%
Mastercard Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 41.88% 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% of transaction amount (plus approx 1.15% Visa/Mastercard processing) |
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| Minimum payment | 5% of current balance outstanding or AED 100, whichever is higher, plus any installments/insurance/overdue/overlimit in full |
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| Interest-free period | Up to 55 days for Retail Purchases |
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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 everyday spenders who want a free-for-life card with lounge access and dining discounts.
What works well
- ✓Free for life under the current limited offer
- ✓Access to 900+ airport lounges
- ✓Up to 30% off at 2,000+ restaurants
What to weigh up
- −Modest earn of 1.5 points per AED 100
- −Carries a 3.69% monthly interest rate
Mastercard Platinum Credit Card 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
Mastercard Platinum Credit Card 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.
1.5 Plus Points for every AED 100 of retail spend
This card suits everyday spenders who want a free-for-life card with lounge access and dining discounts.
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.
