Noon One Visa Credit Card review
The headline rates are generous inside the noon family: 20% back on noon Food, 10% on noon NowNow, 5% across noon, Namshi and SuperMall, and 1% on everything else (per third-party source). Each noon Credit is worth AED 1 and is applied straight at checkout, so rewards feel immediate rather than abstract.
Ecosystem earning is capped at roughly AED 2,000 per month before resetting, and a free noon One membership is bundled in. New cardholders can also claim AED 500 in welcome cashback after spending AED 5,000 in the first two months.
Because the strongest rates are concentrated within noon, this free-for-life card makes most sense for frequent noon and Namshi shoppers rather than those spending broadly across other merchants.
Card details
| Bank | Emirates NBD |
|---|
| Card type | Cashback |
|---|
| Card network | Visa |
|---|
| Co-brand | Noon |
|---|
| Minimum salary | AED 5,000 |
|---|
| Annual fee | Free for life |
|---|
| Fee waiver | Free for life |
|---|
| Interest (monthly) | 3.69% |
|---|
| Reward type | Noon Credits |
|---|
| Reward rate | 20% back on noon Food, 10% on noon NowNow, 5% on noon, Namshi and SuperMall, and 1% on all other spends (per third-party source)Accelerated rates apply within the noon ecosystem, with a 1% base rate elsewhere; noon-ecosystem earning is capped each month (per third-party source) noon-ecosystem earning is capped at around AED 2,000 per month and resets monthly (per third-party source) Each noon Credit equals AED 1 and is applied at checkout across noon.com, noon Food, noon NowNow, Namshi and SuperMall; a free noon One membership is included; a 1.99% foreign currency transaction fee applies |
|---|
| Welcome bonus | AED 500 cashback welcome bonus when you spend AED 5,000 on the card within the first two monthsNew to bank / no active Emirates NBD credit card | Spend AED 5,000 within first two calendar months (60 days) | AED 500 credited as cashback in statement | Primary card only | Customers who closed an ENBD credit card 12 months prior are eligible |
|---|
| 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. |
|---|
| Balance transfer | Balance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing |
|---|
| 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% |
|---|
Welcome bonus: AED 500 cashback welcome bonus when you spend AED 5,000 on the card within the first two months
Terms: New to bank / no active Emirates NBD credit card | Spend AED 5,000 within first two calendar months (60 days) | AED 500 credited as cashback in statement | Primary card only | Customers who closed an ENBD credit card 12 months prior are eligible
Noon One Visa Credit Card benefits
✓20% back on noon Food
✓Cashback across noon, Namshi and SuperMall
✓Free noon One membership included
✓1% back on everyday spending everywhere else
✓AED 500 welcome cashback
✓Free for life with no annual fee
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%
Noon One Visa Credit Card fees & charges
| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
|---|
| Late payment fee | AED 241.50 per month |
|---|
| Over-limit fee | AED 292.95 per month |
|---|
| Foreign currency fee | 1.99% of transaction amount (plus approx 1.15% Visa/Mastercard processing) |
|---|
| Minimum payment | 5% of current balance outstanding or AED 100, whichever is higher, plus any installments/insurance/overdue/overlimit in full |
|---|
| Interest-free period | Up to 55 days for Retail Purchases |
|---|
| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
|---|
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 is ideal for heavy noon.com, noon Food and Namshi shoppers who want a no-fee cashback card.
What works well
- ✓Up to 20% back on noon Food
- ✓Free for life plus a complimentary noon One membership
- ✓AED 500 welcome cashback on early spending
What to weigh up
- −Top rates apply only within the noon ecosystem
- −noon-ecosystem earning is capped each month
- −Only 1% back on spending outside noon
Noon One Visa 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
Noon One Visa 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.
20% back on noon Food, 10% on noon NowNow, 5% on noon, Namshi and SuperMall, and 1% on all other spends (per third-party source)
This card is ideal for heavy noon.com, noon Food and Namshi shoppers who want a no-fee cashback card.
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.
