Mastercard Platinum cashback rate, cap and annual fee
Mastercard Platinum pays 0.3% on groceries, and 4 other rates.
Emirates NBD · United Arab Emirates · catalogue v101
Read from Emirates NBD's own published terms on 19 Sep 2026.
NoneAnnual fee
AED 2,000Cap across the whole card
0.3%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries | 0.30% | —Supermarkets, groceries, insurance and car dealerships. The lower of the two possible readings of the published figure. |
| fuel | 0.15% | —Fuel. The card's lowest published rate. |
| government | 0.15% | —Utility bill payments. |
| rent and property | 0.15% | —Rent and real estate. |
| education | 0.15% | —Education. |
The plain Emirates NBD Mastercard, and on current terms a free one. Up to 1.5 Plus Points per AED 100 generally, with lower rates on supermarkets, groceries, insurance and car dealerships, and lower still on fuel, utility bills, rent and education. Earning is capped at 2,000 Plus Points a statement, printed on the bank's Earning Plus Points page rather than on the card's own. A Plus Point is worth AED 0.75 taken as cash and a dirham against a Nol top-up or school fees. The exception rates are written ambiguously on the card page and are recorded here at the lower of the two readings. No annual fee under a current offer, minimum salary AED 12,000. Sources: emiratesnbd.com Mastercard Platinum page and its Earning and Redeeming Plus Points pages, read 19 Sep 2026.
Questions people ask
What cashback does the Mastercard Platinum pay?
0.3% on groceries, and 4 other rates.
Is there a cap on the Mastercard Platinum?
Yes — AED 2,000 a month across the whole card, however you split your spending.
What is the annual fee on the Mastercard Platinum?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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