Priority Banking Visa Infinite Credit Card review
Rewards scale with the size of each purchase: 5% back as Plus Points on transactions above AED 5,000, 2% on those between AED 2,500 and 4,999, and 1% below AED 2,500. That structure favours cardholders who put larger, single purchases on the card, and Plus Points can be redeemed for cashback, travel or gift cards without expiring while the card stays active.
The lifestyle side is where the card stands apart, with complimentary worldwide lounge access through the Visa Airport Companion app and exclusive entry to five-star beach clubs and gyms. A quarterly cashback draw adds a chance to win AED 5,000, and the annual fee is waived in the first year.
Eligibility is limited to existing Priority Banking customers earning at least AED 50,000 a month, making this a card for affluent relationship clients rather than everyday spenders.
Card details
| Bank | Emirates NBD |
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| Card type | Premium |
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| Card network | Visa |
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| Minimum salary | AED 50,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | Annual fee AED 1,575 (incl. VAT), first year free |
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| Interest (monthly) | 3.25% |
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| Reward type | Plus Points |
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| Reward rate | Tiered Plus Points based on transaction value: 5% on transactions above AED 5,000, 2% on transactions of AED 2,500 to 4,999, and 1% below AED 2,500Your earn rate is set by each individual transaction's value across the 5%/2%/1% tiers, and you must be an existing Priority Banking customer Plus Points can be redeemed for cashback, travel or gift cards and do not expire while the card stays active; a 1.99% foreign currency transaction fee applies |
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| Lounge access | Complimentary worldwide airport lounge access through the Visa Airport Companion app |
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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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Priority Banking Visa Infinite Credit Card benefits
✓Up to 5% back as Plus Points on transactions above AED 5,000
✓Complimentary worldwide lounge access via Visa Airport Companion
✓Exclusive access to five-star beach clubs and gyms
✓Quarterly draw to win AED 5,000
✓First year free
✓Points that never expire while the card is active
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%
Priority Banking Visa Infinite Credit Card 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% 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 is designed for Priority Banking clients who make large transactions and want premium lifestyle privileges.
What works well
- ✓Up to 5% Plus Points on large transactions
- ✓Premium beach club, gym, golf and lounge access
- ✓First year free
What to weigh up
- −Requires a Priority Banking relationship with an AED 50,000 salary
- −Top 5% rate applies only to transactions above AED 5,000
Priority Banking Visa Infinite Credit Card eligibility
Reserved for existing Emirates NBD Priority Banking customers who are UAE residents aged 21 or over earning at least AED 50,000 a month
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Priority Banking Visa Infinite Credit Card FAQs
Reserved for existing Emirates NBD Priority Banking customers who are UAE residents aged 21 or over earning at least AED 50,000 a month
The listed annual fee is AED 1,575. Annual fee AED 1,575 (incl. VAT), first year free
Tiered Plus Points based on transaction value: 5% on transactions above AED 5,000, 2% on transactions of AED 2,500 to 4,999, and 1% below AED 2,500
This card is designed for Priority Banking clients who make large transactions and want premium lifestyle privileges.
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.
