SHARE Visa Infinite Credit Card review
Cardholders earn 8% back across the SHARE ecosystem of MAF stores and malls, dropping to 1.5% on other domestic and international spends. Everyday categories scale further, with grocery, supermarket, fast-food, insurance, car dealers and EU/UK spends at 0.375% and fuel, transit, government, utilities, real estate, education and telecom at 0.15%, subject to a cap of 100,000 SHARE Points per month.
Each SHARE Point equals AED 0.10 and can be redeemed instantly at more than 5,000 MAF stores across 18 UAE malls, from City Centres to Carrefour and VOX cinemas. A 10,000 SHARE Point welcome bonus worth AED 1,000 is available on AED 40,000 of spend within three months, which also reverses the joining fee.
With market-leading in-network cashback, complimentary lounge access through the Visa Airport Companion app and a high monthly cap, the card rewards households that concentrate their spending inside the Majid Al Futtaim network.
Card details
| Bank | Emirates NBD |
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| Card type | Rewards |
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| Card network | Visa |
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| Co-brand | Majid Al Futtaim (SHARE) |
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| Minimum salary | AED 30,000 |
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| Min salary discount | 5000 AED, depends on bank officialsPossible reduction of the stated minimum salary requirement, at the bank's discretion. |
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| Annual fee | AED 1,575 |
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| Fee waiver | Joining fee reversed on AED 40,000 spend within the first 3 months |
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| Interest (monthly) | 3.25% |
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| Reward type | SHARE Points |
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| Reward rate | Earn 8% back across the SHARE ecosystem of MAF stores and malls, plus 1.5% on other domestic and international spends8% across the SHARE ecosystem; 1.5% on general and international spends; 0.375% on grocery, supermarket, fast-food, insurance, car dealers and EU/UK spends; 0.15% on fuel, transit, government, utilities, real estate, education and telecom Up to 100,000 SHARE Points per month Each SHARE Point is worth AED 0.10 and can be redeemed instantly at 5,000+ MAF stores across 18 UAE malls, including Mall of the Emirates, City Centres, Carrefour and VOX. Cash advances, balance transfers, fees, exchange-house and online utility payments are excluded. Foreign currency transaction fee is 1.99% |
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| Welcome bonus | 10,000 SHARE Points (AED 1,000) when you spend AED 40,000 in 3 months, with the joining fee reversed on the same AED 40,000 spend in 3 monthsSpend AED 40,000 within first 3 months | 10,000 SHARE Points welcome bonus (10 SHARE Points = AED 1) | Joining fee reversed on the same AED 40,000 spend |
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| Lounge access | Complimentary airport lounge access via 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 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: 10,000 SHARE Points (AED 1,000) when you spend AED 40,000 in 3 months, with the joining fee reversed on the same AED 40,000 spend in 3 months
Terms: Spend AED 40,000 within first 3 months | 10,000 SHARE Points welcome bonus (10 SHARE Points = AED 1) | Joining fee reversed on the same AED 40,000 spend
SHARE Visa Infinite Credit Card benefits
✓Earn 8% back as SHARE Points at MAF stores
✓10,000 SHARE Points (AED 1,000) welcome bonus
✓Instant redemption at 5,000+ MAF stores
✓High 100,000 SHARE Points monthly cap
✓Complimentary airport lounge access with Visa Airport Companion
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%
SHARE Visa Infinite Credit Card fees & charges
| 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% currency conversion fee (plus approx. 1.15% network processing fee) |
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| Minimum payment | 5% of total payment due or AED 100, whichever is higher |
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| Interest-free period | 25 to 55 days from the 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 heavy Mall of the Emirates, Carrefour and VOX shoppers who want instant high cashback.
What works well
- ✓Market-leading 8% back at MAF stores
- ✓Instant redemption at the point of sale
- ✓Generous 100,000-point monthly cap
What to weigh up
- −High AED 30,000 salary requirement
- −Only 1.5% earned outside the SHARE ecosystem
- −Low earn on grocery, fuel and utilities
SHARE Visa Infinite Credit Card eligibility
Minimum salary of AED 30,000 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
SHARE Visa Infinite Credit Card FAQs
Minimum salary of AED 30,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The listed annual fee is AED 1,575. Joining fee reversed on AED 40,000 spend within the first 3 months
Earn 8% back across the SHARE ecosystem of MAF stores and malls, plus 1.5% on other domestic and international spends
This card suits heavy Mall of the Emirates, Carrefour and VOX shoppers who want instant high cashback.
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.
