SHARE Visa Signature Credit Card review
The card earns 6% back across the SHARE ecosystem of MAF stores and malls and 1% on other domestic and international spends. Everyday categories earn less, with grocery, supermarket, fast-food, insurance, car dealers and EU/UK spends at 0.25% and fuel, transit, government, utilities, real estate, education and telecom at 0.10%, up to 50,000 SHARE Points per month.
SHARE Points are each worth AED 0.10 and redeem instantly at more than 5,000 MAF stores across 18 UAE malls. A 5,000 SHARE Point welcome bonus worth AED 500 is available after AED 25,000 of spend within three months.
Because it is free for life and adds complimentary lounge access through the Visa Airport Companion app, this Visa Signature card is well suited to shoppers who spend regularly across the Majid Al Futtaim network but want to avoid an annual fee.
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 12,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life |
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| Interest (monthly) | 3.69% |
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| Reward type | SHARE Points |
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| Reward rate | Earn 6% back across the SHARE ecosystem of MAF stores and malls, plus 1% on other domestic and international spends6% across the SHARE ecosystem; 1% on general and international spends; 0.25% on grocery, supermarket, fast-food, insurance, car dealers and EU/UK spends; 0.10% on fuel, transit, government, utilities, real estate, education and telecom Up to 50,000 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 | 5,000 SHARE Points (AED 500) when you spend AED 25,000 in 3 monthsSpend AED 25,000 within first 3 months | 5,000 SHARE Points welcome bonus (10 SHARE Points = AED 1) |
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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: 5,000 SHARE Points (AED 500) when you spend AED 25,000 in 3 months
Terms: Spend AED 25,000 within first 3 months | 5,000 SHARE Points welcome bonus (10 SHARE Points = AED 1)
SHARE Visa Signature Credit Card benefits
✓Earn 6% back as SHARE Points at MAF stores
✓Free for life with no annual fee
✓5,000 SHARE Points (AED 500) welcome bonus
✓Instant redemption at 5,000+ MAF stores
✓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 Signature Credit Card fees & charges
| Annual percentage rate (APR) | 44.28% p.a. (3.69% 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 regular MAF-mall shoppers who want a no-fee SHARE cashback card.
What works well
- ✓Free for life with no annual fee
- ✓6% back at MAF stores
- ✓Instant point-of-sale redemption
What to weigh up
- −Only 1% earned outside the SHARE ecosystem
- −Low earn on everyday categories
SHARE Visa Signature Credit Card eligibility
Minimum salary of AED 12,000 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 Signature Credit Card FAQs
Minimum salary of AED 12,000 per month; UAE resident aged 21 or over with a valid Emirates ID
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn 6% back across the SHARE ecosystem of MAF stores and malls, plus 1% on other domestic and international spends
This card suits regular MAF-mall shoppers who want a no-fee SHARE 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.
