Emirates NBD Debit Card

Emirates NBD is a leading banking corporation in the MENAT region. It was established in 1963 and is the first National Bank set up in Dubai and the UAE. The bank offers services to customers from all walks of life – individuals, corporations, governments, and businesses. Some of the products offered by the bank are loans, banking accounts, cards, and more. 

When you open a bank account with Emirates NBD, you can also avail of an Emirates NBD debit card. To know more about Emirates NBD debit cards, continue reading through the following sections.

Types of Emirates NBD Debit Cards Available

Here are the types of Emirates NBD debit cards offered by the bank

Beyond Visa Platinum Debit Card

  • Annual Savings of up to AED 3,950
  • Defined daily limits for cash withdrawals and purchases
  • Up to 5 free international cash withdrawals
Apply Now

Emirati Visa Signature Debit Card

  • Save up to AED 14,000 every year
  • Access to more than 1,000 airport lounges worldwide
  • Access to the top 5 golf courses within the UAE 
  • 2 for 1 deals on shopping, food, and entertainment 
Apply Now

Go4it Visa Gold Debit Card

  • Save up to AED 2,090 with your purchases
  • Avail of a free ride on The Dubai Ferry for 2 adults and 2 children
  • Use the Emirates NBD debit card plus NOL card for public transports
go4it visa debit card
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Manchester United Platinum Debit Card

  • Create memorable fan moments and avail yourself an opportunity to witness exclusive Manchester United experiences
  • Get exclusive discounts on restaurants and deals on the visit to The Theatre of Dreams
  • Save up to AED 4,350 on your purchases
Manchester United Platinum Debit Card
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Manchester United Signature Debit Card

  • Create memorable fan moments and avail an opportunity to witness exclusive Manchester experiences
  • Unlimited access to over 1,000 international airport lounges
  • Get exclusive discounts on restaurants and deals on the visit to The Theatre of Dreams
Manchester United Signature Debit Card
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Visa Classic Debit Card

  • Contactless payment
  • Great discounts on spas, restaurants, and leisure avenues
  • Additional security for all retail transactions
Visa Classic Debit Card
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Visa Infinite Debit Card

  • Save up to AED 14,500 annually
  • Attractive discounts on restaurants, leisure avenues, and spas
  • Complimentary access to over 1,000 airport lounges across 300 international cities via LoungeKey
  • Additional security on all retail transactions
Visa Infinite Debit Card
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Visa Platinum Debit Card

  • Exclusive Emirates NBD debit card for ladies
  • Set daily limits on cash withdrawals and purchases
  • 2-for-1 deals on travel, entertainment, leisure, and health and lifestyle
  • Save up to AED 3,950 annually
Visa Platinum Debit Card
Apply Now

Visa Signature Business Debit Card

  • Unlimited access to 25 international airport lounges
  • Access to the top 6 golf courses across the UAE
  • Global concierge services available
Visa Signature Business Debit Card
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Visa Signature Debit Card

  • Save up to AED 14,000 per year
  • Access to more than 25 international lounges
  • Access to the best 6 golf courses across the UAE
  • 2-for-1 offer on shopping, entertainment, and food
  • International concierge service
Visa Signature Debit Card
Apply Now

Visa Platinum Business Debit Card

  • Worldwide card acceptance to travel carefree
  • Included travel medical insurance
  • Enhanced security on debit card
Visa Platinum Business Debit Card
Apply Now

Emirates NBD Debit Card

Eligibility Criteria for Emirates NBD Debit Cards 

The following are the eligibility criteria for the Emirates NBD debit cards

  1. UAE residents 
  2. Non-residents
  3. Minors can open the account but it would have to be operated by the guardian
  4. UAE resident house help

Documents Required for Emirates NBD Debit Cards 

The documents mentioned below would be required to secure an Emirates NBD debit card –

  1. A passport copy (with residence visa page)
  2. Original valid passport
  3. No objection certificate from the sponsor
  4. Salary certificate - In absence of a salary certificate, any of the following documents can be provided
    • Appointment letter or copy of the contract
    • Pay slip that is less than 3 months’ old
    • Recent salary account statement 

How to Apply for Emirates NBD Debit Cards?

You can apply for a new Emirates NBD debit card for any of your existing bank accounts by calling the authorised number +971 600 54 0000 or personally visiting a nearby bank branch with your Emirates ID or valid passport for identification.

Debit card applications usually get processed in 3 to 13 business days. Once your application gets accepted, you can receive the card in 3 to 5 business days. The international deliveries of Emirates NBD debit cards can take up to 7 to 10 business days and have a charge of AED 150 + 5% VAT. 

If your application or delivery timeframe exceeds the stipulated timeline, you can connect with the bank at +971 600 54 0000.

How to Activate Emirates NBD Debit Card? 

You can activate your Emirates NBD debit card by using any of the five methods elaborated below – 

Mobile banking 

  • Log in to your mobile banking application
  • Click over the menu icon on the top left corner of the application
  • Click on the “Security Settings” tab and answer the security questions
  • Select the “Card Activation” option and choose the debit card you want to activate 
  • You can request authorisation using Smart Pass or provide the authorisation code that you receive on your registered mobile number
  • Create a 4-digit PIN that you can remember to complete the activation of your Emirates NBD debit card

Online Banking 

  • Log in to the online banking account
  • Select the ‘My Finances’ tab at the top of the page
  • Click on the ‘Cards’ tab and choose the card you need to activate
  • Select the card activation option 

ATM 

  • Visit an Emirates NBD ATM
  • Enter your new Emirates NBD debit card into the required section and provide the authorisation code sent to your registered mobile number
  • Click on the ‘Other Services’ tab, followed by clicking on the ‘Debit Card Activation’ tab followed by the ‘New/Replaced Cards’ tab 
  • Set a 4-digit PIN that is easy to remember

SMS Banking

Text “ACT” to 4459 from your submitted mobile number to get a call from +971 4 3160505. Attend the call and follow the procedure as described by the authorised person. 

Phone Banking

Call +971 600 54 0000 and say “activate debit card” when you get the cue.

Once you do this, you would be required to provide the Emirates NBD debit card details to activate the card.

How to Change Emirates NBD ATM Card Pin?

In case you forget your Emirates NBD debit card PIN, you change it using any of the 4 methods discussed below – 

Mobile Banking 

  • Log in to the mobile banking account
  • Click over the menu icon on the top left corner of the application
  • Select the “manage your card” tab, followed by the “change your PIN” tab
  • Choose the Emirates NBD debit card whose PIN you have to change
  • Enter and verify the new PIN
  • Enter the OTP that you receive on your registered mobile number to complete the procedure

Online Banking

  • Log in to the online banking account
  • Click on the ‘My Finances’ tab and select the ‘Cards’ tab
  • Press the ‘Change Card PIN’ tab and confirm your new PIN for the Emirates NBD debit card
  • To conclude the process, enter the OTP or the authorisation code sent to your registered mobile number

ATM

  • Visit the nearest Emirates NBD ATM
  • Enter your card into the machine and provide the key in the existing PIN
  • Click on the Other Services tab and select the PIN Change tab
  • Create a new 4-digit PIN that you can easily remember

Phone Banking 

Call +971 600 54 0000. Once you get the cue, say “change card PIN”. Provide the Emirates NBD debit card details to reset your PIN. If you want to skip the OTP requirement, use your registered mobile number.

Open Emirates NBD Bank Account

Cash Limit Per Day

The Emirates NBD debit cards have daily cash withdrawal and purchase limits based on the type of card you possess as tabled below – 

Debit Card Daily Withdrawal Limit  Daily Purchase Limit
Visa Classic AED 15,000 AED 45,000
Manchester United Visa Platinum AED 25,000 AED 25,000
Manchester United Visa Signature AED 50,000 AED 75,000
Emirati Visa Signature AED 50,000 AED 125,000
Visa Business  AED 50,000 AED 125,000
Go4it Visa Platinum AED 25,000 AED 25,000
Visa Platinum AED 25,000 AED 75,000
Visa Signature AED 50,000 AED 125,000
Visa Infinite AED 50,000 AED 100,000
Visa Signature Business AED 50,000 AED 125,000

Fee Charges 

Here are the fees charged on your Emirates NBD debit card – 

Description Classic Plus/Youth Package/Go4it/ Ladies Banking/ Plus Maximiser Executive/ Manchester United Beyond/ UAE National Package
Annual Fee Free Free Free Free
Debit card replacement  AED 26.25 AED 26.25 AED 26.25 AED 26.25
Sales voucher copy AED 26.25 AED 26.25 AED 26.25 AED 26.25
Supplementary debit card Free  Free  Free  Free 
International delivery charges AED 157.5 AED 157.5 AED 157.5 AED 157.5
Replacing secret PIN code Free Free Free Free
International Transaction Fee
For purchase in non-AED/AED Currency 1.99% 1.99% 1.99% 1.99%
Usage Fee in the UAE at Emirates NBD ATMs
Cash Withdrawal/ Deposit Free Free Free Free
Mini-statement Free Free Free Free
Balance Enquiry Free Free Free Free
Utility Payment  Free Free Free Free
Usage Fee on UAE Switch ATMs
Cash Withdrawal/Deposit AED 2.10 AED 2.10 AED 2.10 AED 2.10
Declined Transaction AED 1.05 AED 1.05 AED 1.05 AED 1.05
Balance Enquiry AED 1.05 AED 1.05 AED 1.05 AED 1.05
GCC Net ATMs
Cash Withdrawal  AED 6.30 AED 6.30 AED 6.30 AED 6.30
Balance Enquiry AED 3.15 AED 3.15 AED 3.15 AED 3.15
International ATMs
Balance Enquiry Free (if available) Free (if available) Free (if available) Free (if available)
Cash Withdrawal AED 21 AED 21 AED 21 AED 21

How to Check Emirates NBD Debit Card Balance? 

As your Emirates NBD debit card is linked to your bank account, you can check the balance online or via a mobile banking account. Once you log in to the account, click on the ‘My Finances’ tab from where you can check the balance of your account easily. In case you want to check additional information, select the account and press on the ‘Statement’ option.

Another quick way to check your balance is by withdrawing a mini statement from the ATM.

What to Do If Your Emirates NBD Debit Card is Lost? 

You can follow any of the three methods in case you lose your Emirates NBD debit card –  

Online Banking 

  • Log in to the online banking account and select the “My Finances” tab
  • Browse through the Card listing page and choose the card as you click on the card details 
  • Scroll to the bottom and select the ‘Block Card’ option under the Card details section
  • Select the reason you want to block the card – Lost or stolen
  • Decide whether you want a replacement card. Request the card for immediate replacement and click on Continue.
  • You will be redirected to the new page where you would be required to review the transaction details and press the confirm button
  • The Emirates NBD debit card will be blocked and you will receive the replacement card (if applicable) within 3 business days 

Mobile Banking Application

  • Log in to the mobile banking account and hit the information icon in the top right corner
  • Click on the Security Centre tab and respond to the secret questions set by you 
  • Click on “Manage Your Card” and tap on the “block card” tab
  • Choose the card that you want to replace and block
  • Choose Lost or Stolen as the reason for blocking
  • Select whether you want to seek a replacement immediately or later before selecting the option to Continue
  • Check your transaction details on the next screen and press Confirm

If you choose a new card, it will be issued and sent to you within three business days after your card is instantly blocked.

Call Centre

You can block and replace your Emirates NBD debit card by connecting with the customer care service at +971 600 54 0000.

Also Read - Emirates NBD Smart Business

Frequently Asked Questions

How to protect your Emirates NBD debit card against any fraudulent transaction?

You can secure your Emirates NBD debit card along with your PIN, security code, account number, and expiration date. However, even though you can always contest a transaction, the process can take a while. 

To safeguard your Emirates NBD debit card, you can follow these things –

  1. Your PIN should never be written down – memorise it instead
  2. Beware of shoulder surfers and phishing
  3. Exercise appropriate caution at gas stations, checkout counters, and the ATM. Scan your card yourself and never hand it to somebody, as unreliable staff may copy or "skim" your card
  4. Ensure that your laptop has the most recent virus protection if you make purchases online

As soon as you get your bank's SMS messages and statements, check them. Call +971 600 54 0000 to report any dealings you do not recognise immediately.

How can you activate your Emirates NBD debit card if you are abroad?

The only way to activate your Emirates NBD debit card if this is your first one is to contact the bank by phone. The phone numbers are accessible round-the-clock. You can use online or mobile banking if you are an existing client.

What documents are required for supplementary debit cards?

The following are the documents necessary for supplementary debit cards –

  • Passport or Emirates ID of the primary cardholder
  • Emirates ID copy in case the applicant is a UAE resident
  • Copy of the passport in case the applicant is a non-UAE resident
Can you overdraw from your account using your Emirates NBD debit card?

If your card is connected to the current account with an overdraft facility, the Emirates NBD debit card can be used for overdrawing from the account.

 

How can you follow up on the application process for a supplementary debit card?

The Online Banking interface allows you to follow the progress of your card application. You can also call +971 600 54 0000 and indicate "track card application" when asked.

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