Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Emirates NBD Darna Visa Infinite Credit Card

Emirates NBD Bank

Darna Visa Infinite Credit Card

Emirates NBD Darna Visa Infinite Credit Card
Interest Rate

3.25%

Minimum Salary

AED 30K

Fx Rate

1.99%

Annual Fee

AED 1.575K

Balance Transfer

Yes

Emirates NBD Darna Visa Infinite Credit Card
interest rate

3.25%

Interest Rate

min salary

AED 30K

Minimum Salary

fx rate

1.99%

Fx Rate

annual fee

AED 1.575K

Annual Fee

bal transfer

Yes

Balance Transfer

View details on bank page

Required Documents

  • Completed credit card application
  • Original Emirates ID and passport copy
  • Latest salary certificate (for salaried individuals)
  • Trade license (for non-individuals)
  • Latest 3 months’ original bank statements or mini ATM statements
  • Security cheque

Main Benefits

  • Welcome Offer benefits 15,000 Darna Points total: 7,500 upon joining; 7,500 on AED 20,000 spend within first 3 months
  • Complimentary benefits: Darna Platinum membership with lifestyle perks
  • Financial Benefits: 0% installment plans at Aldar Education & Property merchants;
  • Protection Benefits: Purchase protection and extended warranty
  • Complimentary roadside assistance including recovery, towing, fuel delivery and battery boost
  • Complimentary valet parking at select Abu Dhabi locations for your convenience
  • Complimentary access to top golf courses across the UAE
  • 10% back as Darna Points on all spends at Aldar destinations, including Yas Mall, theme parks, hotels, spas, and golf courses.
  • 1.5% back as Darna Points on all other card spent outside Aldar locations.
  • Redeem your points instantly at over 1,200 Aldar destinations—from shopping and dining to entertainment and travel.
  • Every 10 Darna Points = AED 1, making your rewards easy to track and even easier to enjoy.
  • Get 15,000 Darna Points when you join: 7,500 for paying the joining fee and another 7,500 when you spend AED 20,000 in the first 3 months.
  • Complimentary Darna Platinum Tier Status Enjoy exclusive perks like reserved parking, hotel and dining discounts, and priority access to premium experiences across Abu Dhabi.

Frequently Asked Questions

Q. What is the minimum monthly salary required?

A. AED 30,000

Q.What is the annual fee?

A. AED 1,575 (with VAT)

Q. What is the interest rate on outstanding balances?

A. 3.25% per month, calculated on a reducing balance basis

Q. Are there any welcome benefits?

A. Yes. You can earn up to 15,000 Darna Points:   
7,500 Darna Points upon payment of the joining fee  
7,500 Darna Points on spending AED 20,000 within the first 3 months

Q. How do I earn Darna Points?

A. You can earn 10% back on spending at Aldar destinations and 1.5% back on all other domestic and international spends

Q. What lifestyle benefits does the card offer?

A. The following are the lifestyle benefits on the card Complimentary Darna Platinum membership
Unlimited airport lounge access for cardholder and one guest
Golf course access across the UAE
Free valet parking at select Abu Dhabi locations
Complimentary roadside assistance (towing, fuel delivery, battery boost)

Q. Are installment plans available?

A. Yes. 0% interest installment plans are available on Aldar Education and Property transactions

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