Visa Infinite Credit Card review
The card earns 2 Plus Points for every AED 100 of retail spend, though everyday categories earn less: 0.4% on supermarkets, groceries, insurance and car dealers, and 0.2% on fuel, utilities, real estate and education. Plus Points are flexible, worth AED 1 each toward Nol or AED 0.75 toward travel, dining and gift cards, and they never expire while the card is active.
Where the card shines is access: unlimited lounge visits for you and a guest across more than 1,000 premium lounges worldwide, alongside complimentary golf and valet perks. A 1.99% foreign currency fee applies abroad.
With a AED 30,000 salary requirement and a modest base earn rate, it is best viewed as a lifestyle and lounge card for affluent customers rather than a high-earning rewards engine.
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 30,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | Free-for-life offer for 50k salary; standard annual fee applies per the bank's schedule of charges |
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| Interest (monthly) | 3.25% |
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| Reward type | Plus Points |
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| Reward rate | 2 Plus Points for every AED 100 of retail spend as the base rateThe base rate is 2 points per AED 100; reduced earning applies at 0.4% on supermarket, grocery, insurance and car dealer spend and 0.2% on fuel, utilities, real estate and education Plus Points can be redeemed for cashback (1 point equals AED 1 for Nol) or for travel, dining and gift cards (1 point equals AED 0.75) and do not expire while the card is active; a 1.99% foreign currency transaction fee applies |
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| Lounge access | Unlimited airport lounge access for you and one guest at over 1,000 premium lounges worldwide |
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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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Visa Infinite Credit Card benefits
✓Earn up to 2 Plus Points per AED 100 of retail spend
✓Unlimited lounge access for you plus one guest at 1,000+ lounges
✓Complimentary golf access
✓Points that never expire while the card is active
✓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%
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 suits affluent customers who want a premium free-for-life card centred on lounge and golf privileges.
What works well
- ✓Free for life under the current limited offer
- ✓Unlimited lounge access for cardholder plus a guest
- ✓Complimentary golf and valet privileges
What to weigh up
- −Base earn is only 2 points per AED 100
- −High AED 30,000 salary requirement
- −Reduced earning on everyday categories
Visa Infinite Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 30,000 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
Visa Infinite Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 30,000 a month; an Emirates ID is required
The listed annual fee is AED 1,575. Free-for-life offer for 50k salary; standard annual fee applies per the bank's schedule of charges
2 Plus Points for every AED 100 of retail spend as the base rate
This card suits affluent customers who want a premium free-for-life card centred on lounge and golf 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.
