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Everyday
Emirates NBD
Duo Credit Card
Min. salary
AED 12,000
Annual fee
AED 840
Monthly rate
3.49%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
50.9%
Temporarily waived as a limited-time promotional offer
01Fees & rates
What it costs.
- Annual fee
- AED 840
- Fee note
- Temporarily waived as a limited-time promotional offer
- Monthly rate
- 3.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.9%
- Minimum salary
- AED 12,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 5% rewards on groceries, electronics, utilities, telecom, education, fuel (min AED 5,000 monthly spend)
- Dual Mastercard Platinum + Diners Club cards
- Unlimited airport lounge access (900+ worldwide)
- Golf access at 6 UAE courses
- Buy 1 Get 1 movie tickets at Royal Cinemas
- Up to 30% restaurant discounts (2,000+ UAE venues)
- 0% interest-free payment plans
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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.