Mastercard Titanium Credit Card review
Retail spending earns 1 Plus Point for every AED 100, redeemable for cashback, travel or gift cards, which keeps the card simple for those new to rewards. It is the most modest earn rate in the Plus Points range, so it is best treated as a low-cost entry card rather than a high-return one.
The perks lean toward dining and travel disruption: up to 30% off at more than 2,000 UAE restaurants, plus complimentary lounge access when a flight is delayed through the Flight Delay Pass. A 1.99% foreign currency fee applies abroad.
With a AED 5,000 salary requirement and no annual fee under the current offer, it is a straightforward pick for entry-level customers who value dining discounts and delay cover.
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 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Standard annual fee AED 420 (incl. VAT) per price guide; currently no joining/annual fees 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 Plus Point for every AED 100 of retail spendThe base rate is 1 point per AED 100 on retail spend Plus Points can be redeemed for cashback, travel or gift cards; complimentary lounge access is available on flight delays through the Flight Delay Pass; a 1.99% foreign currency transaction fee applies |
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| Lounge access | Complimentary lounge access on flight delays through the Flight Delay Pass, plus an exclusive dining experience |
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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 Titanium Credit Card benefits
✓Earn up to 1 Plus Point per AED 100 of retail spend
✓Up to 30% off at more than 2,000 UAE restaurants
✓Complimentary lounge access on flight delays via Flight Delay Pass
✓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 Titanium Credit Card 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 suits entry-level customers who want a free rewards card with dining and flight-delay perks.
What works well
- ✓Free for life under the current limited offer
- ✓Up to 30% dining discounts
- ✓Flight Delay Pass lounge access
What to weigh up
- −Lowest Plus Points earn at 1 point per AED 100
- −Fewer premium perks than higher tiers
Mastercard Titanium Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 5,000 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 Titanium Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 5,000 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 Plus Point for every AED 100 of retail spend
This card suits entry-level customers who want a free rewards card with dining and flight-delay perks.
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.
