tilla
Try free optimiser

Emirates NBD

Stand out from the rest - The ultimate in spending power, convenience, personal privileges and unparalleled service

Annual fee
AED 1,575
Best earn rate
0.40%Default
At AED 3,000
AED 12 (0.4%)
At AED 10,000
AED 40 (0.4%)
At AED 17,500
AED 70 (0.4%)
Apply nowCompare card

Sources and verification

What this card page is based on

We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.

Last verified
Not verified yet
Latest source fetch
8 Sep 2026
Card termsPricing termsDefault reward source

Rewards

Rates by category

Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.

Categories
5
Best rate
0.40%
Top cap
AED 0
D

Default

Up to 2.00 Points

Spend tier

Published reward rule

Rate

0.40%

Cap

No cap listed

Earn Plus Points on retail spends. Up to 2 Points for every AED 100 spend on retail and other expenses. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends. Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

Source

Spend tier

Published reward rule

Rate

2.00 Points/AED

Cap

No cap listed

The ultimate in spending power, convenience, personal privileges and unparalleled service – our cardholders deserve only the best. Earn up to 2 points for every AED 100 spent, unlimited airport lounge access for self + 1 guest to over 1,000 premium lounges over 300 cities, and complimentary access to top golf courses across the UAE.

Source
U

Utilities

Up to 0.40%

Spend tier

Published reward rule

Rate

0.40%

Cap

No cap listed

Earn Plus Points on retail spends. Up to 2 Points for every AED 100 spend on retail and other expenses. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends. Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

Source
E

Education

Up to 0.40%

Spend tier

Published reward rule

Rate

0.40%

Cap

No cap listed

Earn Plus Points on retail spends. Up to 2 Points for every AED 100 spend on retail and other expenses. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends. Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

Source
G

Groceries

Up to 0.40%

Spend tier

Published reward rule

Rate

0.40%

Cap

No cap listed

Earn Plus Points on retail spends. Up to 2 Points for every AED 100 spend on retail and other expenses. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends. Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

Source
F

Fuel

Up to 0.40%

Spend tier

Published reward rule

Rate

0.40%

Cap

No cap listed

Earn Plus Points on retail spends. Up to 2 Points for every AED 100 spend on retail and other expenses. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends. Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

Source

Partner offers and other perks

These are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.

  • Credit Shield Pro with enhanced benefits. 0.99% monthly fee of Card's outstanding balance. Up to AED 300,000 decease cover per cardholder. AED 100 pay out per day in case of hospitalization. Up to AED 60,000 job loss cover for up to 12 months or until re-employment

    Stored as 0.99% · Default

  • 0% Easy Payment Plans at select Merchant Outlets. Buy electronics, jewelry, home décor, travel and entertainment tickets at participating merchants and pay it back in 3, 6, 12 or 24 months with 0% interest

    Stored as 0.00% · Travel General

  • Enjoy up to 20% off on entertainment at Emaar Entertainment Group including The Dubai Underwater Zoo, Kidzania, Dubai Ice Rink, Magic Planet, Activate, Fly Dubai, Snow Park, Little Explorers. 20% off for minimum 2 players or 2 hours of play at Activate. 20% additional value in points on packages of AED 210 or more at Magic Planet. 20% off on all ticket types at Fly Dubai. 15% off on Snow Park tickets and Snow Premium package. 20% off on Fun Pass and Ultimate Fun Pass at Little Explorers.

    Stored as 20.00% · Default

Benefits

Bill Payment

Utility Bill Payments

Payment

Utility bill payments facility available

Conditions: Available to cardholders

Cinema

Movie Benefits

Entertainment

Buy 1 get 1 free on movies at Reel Cinemas

Conditions: BOGO offer on movie tickets

Partner: Reel Cinemas

Concierge

Concierge Services

Lifestyle

Concierge services to take care of your time-consuming errands. Our concierge team is here to take care of your time-consuming work

Conditions: Available to cardholders

Credit Protection

Credit Shield Pro

Insurance

Credit Shield Pro with enhanced benefits. 0.99% monthly fee of Card's outstanding balance. Up to AED 300,000 decease cover per cardholder. AED 100 pay out per day in case of hospitalization. Up to AED 60,000 job loss cover for up to 12 months or until re-employment

Conditions: 0.99% monthly fee of outstanding balance applies

Program: Credit Shield Pro

Digital Wallet

Contactless Payments

Payment

Make secure, cashless payments using your compatible phone or wearable. Support for Apple Pay, Samsung Pay, Google Pay, Garmin Pay

Conditions: Compatible device required

Discounts

Entertainment Discounts

Entertainment

Enjoy up to 20% off on entertainment at Emaar Entertainment Group including The Dubai Underwater Zoo, Kidzania, Dubai Ice Rink, Magic Planet, Activate, Fly Dubai, Snow Park, Little Explorers. 20% off for minimum 2 players or 2 hours of play at Activate. 20% additional value in points on packages of AED 210 or more at Magic Planet. 20% off on all ticket types at Fly Dubai. 15% off on Snow Park tickets and Snow Premium package. 20% off on Fun Pass and Ultimate Fun Pass at Little Explorers.

Conditions: Discounts valid exclusively at participating entertainment venues with eligible Emirates NBD Card

Partner: Dubai Underwater ZooPartner: KidzaniaPartner: Dubai Ice RinkPartner: Magic PlanetPartner: ActivatePartner: Snow ParkPartner: Little ExplorersPartner: Emaar Entertainment GroupPartner: Fly Dubai

Golf

Complimentary Golf Access

Lifestyle

Complimentary access to top golf courses across the UAE. Tee off and conquer new terrain with complimentary access to top golfing locations across the UAE

Conditions: Access to top golf courses in UAE

Service Area: UAE

Installment

0% Easy Payment Plans

Financing

0% Easy Payment Plans at select Merchant Outlets. Buy electronics, jewelry, home décor, travel and entertainment tickets at participating merchants and pay it back in 3, 6, 12 or 24 months with 0% interest

Conditions: Available at select merchants for 3, 6, 12, or 24 months with 0% interest

Partner: ApplePartner: CarrefourPartner: EmiratesPartner: AmazonPartner: Fitness FirstPartner: EDI

Lounge Access

Airport Lounge Access

Travel

Unlimited access for self + 1 guest to over 1,000 premium lounges over 300 cities worldwide via the Visa Airport Companion App

Conditions: Unlimited access for primary cardholder and 1 guest

Program: Visa Airport Companion

Parking

Valet Parking

Lifestyle

Valet Parking at selected locations in Abu Dhabi. Let us take over your parking woes

Conditions: At selected locations

Service Area: Abu Dhabi

Purchase Protection

Complimentary Insurance for Big Purchases

Insurance

Free insurance for big purchases. Complimentary insurance cover for big ticket purchases

Conditions: Available for big ticket purchases

Rewards Program

Plus Points Rewards

Rewards

Earn Plus Points on retail spends. Up to 2 Points for every AED 100 spend on retail and other expenses. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends. Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

Conditions: Points earning cap per statement applies

Program: Plus Points

Active promotions

No verified active promotions yet.

Ready when you are

Add your cards, run a checkout you would actually make, and see what changes. If Tilla does not earn its keep, walk away. There is nothing to cancel.

Add your cards for freeSee the card database
t.

Your wallet, optimised

Cards, offers, and perks in one place

Add your first card

→ Best card for every checkout, cap-aware
→ Salary-transfer bonuses worth switching for
→ Perks that replace memberships you already pay for