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Emirates NBD Balance Transfer Credit Cards in UAE

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Most Popular Credit Card in UAE

Established in 1963, Emirates NBD was the first National Bank based in Dubai and the UAE. It was merged with Emirates Bank International, with its listing in the Dubai Financial Market occurring in 2007. The bank celebrated its 50th anniversary in 2013 while strengthening its financial foundation with remarkable achievements to project an optimistic future.

While Emirates National Bank of Dubai offers various useful financial products like bank accounts, credit cards, foreign exchange, insurance, loans, mortgages, etc., you will also discover Emirates NBD credit cards that are well-known for their deals and discounts in travel, entertainment, dining, lifestyle, and so on. Further financial aid is extended to the customers with these credit cards with various features like purchase protection, credit shield insurance, balance transfers, cash in advance, etc. 

If that’s got you interested in these credit cards, the following is a comprehensive list of Emirates NBD balance transfer credit cards to help you choose one, as per your financial requirements, with great ease.

Top Emirates NBD Balance Transfer Credit Cards in UAE

Here are the two most popular Emirates NBD balance transfer credit cards for you to choose from.

Emirates NBD LuLu 247 MasterCard Platinum Credit Card

LuLu 247 MasterCard Platinum Credit Card is one of the Emirates NBD credit cards with balance transfers, easy payment plans, contactless payments, and numerous other useful services. With an annual membership fee of AED 250, LuLu 247 MasterCard Platinum Credit Card offers plenty of exciting deals and discounts on travel, entertainment, lifestyle, dining, and so on.

Emirates NBD LuLu 247 Mastercard Platinum Credit Card
Movie Discounts
  • Minimum Salary AED 15,000
  • Annual Fee AED 250
  • Valet parking
  • Movie Discounts
  • Balance Transfer

Balance Transfers

  • Balance Transfer: With Emirates NBD LuLu 247 MasterCard Platinum Credit Card, you can get zero per cent balance transfers, which allow you to centralise and transfer your other bank credit card dues to Emirates NBD credit card. This provides great help in getting rid of debts, as you can convert the transferred amount into easy six to twelve months instalments and repay them while managing all your financial requirements. You are required to transfer a minimum amount of AED 1,000 (which is not more than 50 per cent of your available credit limit) to avail of the benefits. Notably, the bank applies no processing fee for the transfers.

Features and Benefits

  • Lulu Points: With an Emirates NBD LuLu 247 MasterCard Platinum Credit Card, card members can earn Lulu points on both local and international spending. These earned points are immensely useful when redeemed at more than 70 Lulu stores. 
  • Lulu Membership: Emirates NBD LuLu 247 MasterCard Platinum Credit Card grants complimentary Lulu membership status to card members. As Lulu members, this means that customers can enjoy benefits like priority checkout, early access, free shipping, and various additional exclusive offers.
  • Travel Benefits: Card members get travel benefits like discounted car rentals, airport transfers, lounge access, and more with Emirates NBD LuLu 247 MasterCard Platinum Credit Card.
  • Cinema Offers: Emirates NBD LuLu 247 MasterCard Platinum Credit Card offers exciting buy 1 get 1 deals at VOX Cinemas on booking tickets through the VOX Cinemas website.
  • Valet Parking: You can get four complimentary valet parking services with Emirates NBD LuLu 247 MasterCard Platinum Credit Card, with the offer applying at select locations like the main entrance of Yas Waterworld, Khalidiya Mall, Yas Mall, and Ferrari World.
  • Golf Benefits: Emirates NBD LuLu 247 MasterCard Platinum Credit Card gives complimentary golf at leading golf clubs in the UAE.
  • Entertainer Offers: Emirates NBD LuLu 247 MasterCard Platinum Credit Card allows customers to enjoy exciting Buy 1 get 1 offers on food, entertainment, and shopping through Entertainer.
  • Interest Free Days: If you wish to avoid any interest on pending bills, you can get the chance with Emirates NBD LuLu 247 MasterCard Platinum Credit Card, as it offers an interest-free period of 55 days on completely paying your bills by the due date.
  • Reward Program: Attractive reward point benefits on local and international purchases can be availed with Emirates NBD LuLu 247 MasterCard Platinum Credit Card. The prominent aspect here is that you can also get up to 7 per cent back as Lulu points on daily expenses.
  • MasterCard Benefits: Excellent MasterCard benefits on car rentals, rides, shopping, dining, entertainment, and more can be received with Emirates NBD LuLu 247 MasterCard Platinum Credit Card.
  • Credit Shield Pro: Emirates NBD LuLu 247 MasterCard Platinum Credit Card offers credit shield pro coverage including decease cover, job loss cover, etc.
  • Contactless Payments: Emirates NBD LuLu 247 MasterCard Platinum Credit Card makes for a great choice when making contactless payments using mobile wallets like Google Pay, Samsung Pay, Fitbit Pay, Apple Pay, etc.
  • Low Interest Rates: Emirates NBD LuLu 247 MasterCard Platinum Credit Card offers lower interest rates than other balance transfer credit cards in the UAE.
  • Easy Payment Plans: With Emirates NBD LuLu 247 MasterCard Platinum Credit Card, you can make expensive payments without worries as the card offers easy payment plans to help you convert that amount into monthly instalments for better convenience.
  • Utility Bill Payments: Emirates NBD LuLu 247 MasterCard Platinum Credit Card allows you to pay utility bills like DEWA, Etisalat, and Emirates Post online with great ease.
  • Instant Cash Withdrawal: Emirates NBD LuLu 247 MasterCard Platinum Credit Card gives instant access to cash of up to 50 per cent of your available credit limit. You can visit any of the 810,000 ATMs of the bank across the world, and withdraw the amount if required.
  • SMS Notifications: Emirates NBD LuLu 247 MasterCard Platinum Credit Card offers an SMS notification service to provide you with real-time information about the activities performed using your credit card. With this service, you can stay alert with text messages for all the transactions and updates on your credit card.
  • Other Benefits: If you want some remarkable deals and discounts on retail shopping,  Emirates NBD LuLu 247 MasterCard Platinum Credit Card offers you just that at more than 3,100 locations with premium brands like Adidas, Emirates, Amazon, Tajawal, Armani, Holiday Factory, etc.

Emirates NBD LuLu 247 MasterCard Titanium Credit Card

LuLu 247 MasterCard Titanium Credit Card is a free-for-life Emirates NBD balance transfer credit card with exciting offers on lifestyle, travel, dining, entertainment, etc. And that’s not all, as the credit card also offers benefits like complimentary airport lounge access, MasterCard offers, convenient utility bill payments, and much more for card members.

Emirates NBD LuLu 247 Mastercard Titanium Credit Card

Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access

Balance Transfers

  • Balance Transfer: Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers balance transfer services to help you get rid of your credit card debts with great ease. With this service, you can consolidate and transfer your other bank credit card outstanding amounts to Emirates NBD credit card, which can then be converted into easy six to twelve-month EMIs for convenient repayments. The minimum amount of AED 1,000, which is not more than 50 per cent of your available credit limit, has to be transferred to avail of the benefit. Similar to the LuLu 247 MasterCard Platinum Credit Card, the bank doesn’t apply any processing fee for the transfers.

Features and Benefits

  • Reward Program: Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers attractive reward point benefits on local and international purchases. You can get up to 3.5 per cent back as Lulu points on daily expenses.
  • Lulu Points: With an Emirates NBD LuLu 247 MasterCard Titanium Credit Card, customers can earn Lulu points on both local and international spending. The best part of this offer is that these earned points can be redeemed at more than 70 Lulu stores. 
  • Lulu Membership: Emirates NBD LuLu 247 MasterCard Titanium Credit Card members get complimentary Lulu membership status, which they can use to enjoy benefits like early access, priority checkout, free shipping, and several additional exclusive offers.
  • Cinema Offers: You can grab an attractive buy 1 get 1 deal at VOX Cinemas with Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers if you book them through the VOX Cinemas website.
  • MasterCard Benefits: Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers excellent MasterCard benefits on car rentals, rides, shopping, dining, entertainment, etc.
  • Entertainer Offers: You can use Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers to get exciting Buy 1 get 1 offers on food, entertainment, and shopping through Entertainer.
  • Credit Shield Pro: Emirates NBD LuLu 247 MasterCard Titanium Credit Card extends credit shield pro coverage, including decease cover, job loss cover, etc., to card members.
  • Travel Benefits: Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers travel benefits like discounted car rentals, airport transfers, lounge access, and so on.
  • Contactless Payments: Emirates NBD LuLu 247 MasterCard Titanium Credit Card allows users to make contactless payments with mobile wallets like Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, etc.
  • Low Interest Rates: Compared to other balance transfer credit cards in the UAE, Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers lower interest rates.
  • Easy Payment Plans: Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers easy payment plans so that you can convert your high-value purchases into monthly instalments and make hassle-free repayments.
  • Utility Bill Payments: You can pay utility bills like Etisalat, DEWA, and Emirates Post online with great ease with Emirates NBD LuLu 247 MasterCard Titanium Credit Card.
  • Interest Free Days: An interest-free period of 55 days is extended by Emirates NBD LuLu 247 MasterCard Titanium Credit Card on paying your bills in full by the due date.
  • Instant Cash Withdrawal: Emirates NBD LuLu 247 MasterCard Titanium Credit Card provides instant access to cash of up to 50 per cent of your available credit limit. To withdraw the amount at the time of requirement, you can visit any of the 810,000 ATMs of the bank across the world.
  • SMS Notifications: With the SMS notification service, Emirates NBD LuLu 247 MasterCard Titanium Credit Card allows you to have real-time information on all the activities performed using your credit card by sending text messages for all the transactions and updates on your card.
  • Other Benefits: Emirates NBD LuLu 247 MasterCard Titanium Credit Card offers attractive deals and discounts on retail shopping at more than 3,100 locations having premium brands like Adidas, Amazon, Emirates, Tajawal, Holiday Factory, Armani, etc.

Eligibility Criteria to Apply for Emirates NBD Balance Transfer Credit Cards

Emirates NBD Credit Cards

Eligibility Criteria

Emirates NBD LuLu 247 MasterCard Platinum Credit Card

  • The applicant must have a minimum monthly income of AED 15,000.
  • The applicant must be a UAE resident.
  • The applicant must have good credit and debt repayment history.

Emirates NBD LuLu 247 MasterCard Titanium Credit Card

  • Minimum monthly income of AED 5,000
  • Must be a UAE resident
  • Good credit and debt repayment history required

Documents Required When Applying for Emirates NBD Balance Transfer Credit Cards

Here are the documents you need to provide when applying for an Emirates NBD Balance Transfer Credit Card.

  • Emirates ID – Original and a Copy
  • Passport – Original and a copy
  • A valid residency visa – Original and a Copy
  • Address verification documents - Utility Bills/Contract of Tenancy 
  • Bank account statement with salary credit transactions - for the previous three months
  • Appointment Letter showing annual role and income
  • Trade License for self-employed applicants

How to Apply for Emirates NBD Balance Transfer Credit Cards?

In just a few minutes, you can apply for an Emirates NBD Balance Transfer Credit Card by following these few simple methods.

  1. Online Banking - Emirates National Bank of Dubai offers an online banking portal for its customers to easily access their banking details. Existing Emirates NBD customers can log in to the portal with their unique banking credentials to apply for their chosen Emirates NBD credit card with balance transfers. All you need to do is fill out the application form and submit it with all the essential documents attached. Once done, a bank representative will contact you and process your application after verifying your details.
  2. Mobile Banking - With almost everything moving onto the phones, Emirates National Bank of Dubai also provides a mobile banking application to provide services to customers right at their fingertips. As an existing Emirates NBD customer, you can also log in to this mobile application and apply for your chosen Emirates NBD balance transfer credit card in just a few taps. Find the application form in the mobile app, fill it out, and submit it with all the essential documents attached. 
  3. Bank’s Website - If you are a new Emirates NBD customer, you can simply visit the bank’s website and fill out the online application form to apply for your preferred balance transfer credit card. After you provide all the documents to submit your credit card application, one of the bank representatives will contact you and process your application after verifying the details.
  4. Bank’s Branch - If offline mode is what you prefer, you can always visit your nearest Emirates NBD branch and fill out the offline application form to apply for your chosen balance transfer credit card. Make sure that you do the same in the presence of a bank representative, as this helps you avoid errors in the application and get quick approval without any hassle. Take special care in carrying all the essential documents when visiting the branch, as you would need to provide the same for verification purposes.
  5. Our Website - You can always visit the credit card section on the Policybazaar UAE website to apply for your desired Emirates NBD balance transfer credit card. Applying in this manner gives you an excellent advantage, as you would be able to explore several credit card options before making the right choice as per your financial preferences. The process remains almost the same for our website as well, as you will need to fill out the application form and submit the same with all the necessary documents. In case you need assistance regarding any part of the credit card application process, contact our support team without hesitation.

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