Emirates NBD Credit Card Eligibility

Emirates National Bank of Dubai, formed as a group in 1963, got listed on the Dubai Financial Market after getting merged with Emirates Bank International in 2007. The bank is renowned for its unique banking products and services offered to both individual and corporate clients. 

 

Emirates NBD offers unique features and benefits with all its banking solutions like bank accounts, credit cards, loans, insurance, mortgages, wealth management resources, foreign exchange, etc. However, the attractive deals and discount on travel, entertainment, dining, lifestyle, and more is something that you can enjoy with its credit cards only.  

To avail of the best-offered deals, you need to apply for an Emirates NBD credit card first. Keep reading to know the top Emirates NBD credit cards eligibility criteria and find the one that best fits your financial preferences.

Emirates NBD Credit Card Eligibility in the UAE

Find below the Emirates NBD credit card eligibility criteria that you need to fulfil when applying for a credit card.

• The applicant must be a UAE resident to apply for an Emirates NBD credit card.
• The applicant must be at least 18 years old.
• Applicants aged below 18 years can apply through a joint application with a co-signer or legal guardian.
• A good credit score is necessary for the applicant.
• The applicant must meet the minimum monthly income criteria of their preferred Emirates NBD credit card.
• The applicant must be self-employed or salaried.
• A regular source of income in the UAE is required.

Top Emirates NBD Credit Cards Eligibility Criteria

Emirates NBD Skywards Infinite Credit Card

Eligibility Criteria

• The applicant must be a UAE resident.
• The applicant must be at least 18 years old. 
• The minimum monthly salary of the applicant should be AED 30,000.

Emirates NBD dnata World Credit Card

Eligibility Criteria

• Must be a UAE resident
• Must be 18 years old or above 
• Minimum monthly salary of AED 25,000

Emirates NBD U By Emaar Infinite Credit Card

Eligibility Criteria

• Must be a UAE resident
• Minimum age of 18 years 
• Must have minimum monthly salary of AED 30,000

Emirates NBD Lulu 247 Platinum Credit Card

Eligibility Criteria

• The applicant must be a UAE resident.
• The applicant must be at least 18 years old. 
• The applicant’s minimum monthly salary should be AED 15,000.

Emirates NBD Lulu 247 Titanium Credit Card

Eligibility Criteria

• Must be a UAE resident 
• Must be at least 18 years’ old 
• Minimum monthly salary of AED 5,000 required

Emirates NBD U By Emaar Family Credit Card

Eligibility Criteria

• Must be a UAE resident
• Must be 18 years old or above 
• Minimum monthly salary of AED 5,000

Emirates NBD Go4it Platinum Credit Card   

Eligibility Criteria

• Must be a UAE resident 
• Must be at least 18 years’ old 
• Minimum monthly salary of AED 12,000 required

Emirates NBD Visa Flexi Credit Card

Eligibility Criteria

• The applicant must be a UAE resident.
• The applicant must be at least 18 years old. 
• A minimum monthly salary should be AED 15,000.

Documents Required to Apply for an Emirates NBD Credit Card

Here are the documents required to apply for Emirates NBD Credit Cards.

• A valid Passport with Residency Visa (for address verification) – Original and a copy
• Emirates ID (for identity verification) – Original and a copy
• Utility Bill or Contract of Tenancy (for address verification) – Original and a copy
• Trade License for self-employed applicants – Original and a copy 
• Bank Statement for the previous three months (for income and address verification) – Original and a copy
• Appointment Letter/Salary Transfer Letter (for income and designation verification) – Original and a copy

Factors Affecting Emirates NBD Credit Card Eligibility

A few major factors that affect your Emirates National Bank of Dubai credit card eligibility are listed below.

1. Credit Score: You must have a good credit score when applying for an Emirates NBD credit card as the bank checks your credit report and debt repayment history before approving your credit card application. A good credit score can help you have a credit card of your choice with great ease. 
2. Age: Your age is one of the critical factors checked by the bank before providing you with a credit card. As per the bank’s terms, you must be at least 18 years of age to apply for an Emirates NBD credit card. Similarly, you must be below the maximum age specified which differs by the banks. 
3. Monthly Income: You are required to have a stable monthly income to get your credit card application approved without any hassle. Make sure you mention all your income resources in the application form. This helps the bank understand that you can handle debts, so they will not hesitate to approve your credit card application.
4. Debts Repayment: The way you handle your debts is another vital factor that the banks and other credit card lenders consider. Make sure you pay your monthly payments on time to create a good debt repayment history. As your debt repayment is a major part of your credit report, paying all the dues on time can also help you improve your credit score.
5. Credit Management: Sometimes, when you don’t pay your debts on time, they get piled up and become difficult to manage at a certain point. In such cases, you look for a settlement with the lender which can help you clear out the dues, for sure, but impact your credit score negatively. Try to avoid piling up your debts by paying them on time. This helps your bank analyse the amount of risk they are taking by providing you with another credit card. 

Simple Ways to Improve Emirates NBD Credit Card Eligibility

Here are a few simple ways that you can implement to enhance your Emirates NBD credit card eligibility.

1. On-Time Debt Repayment: You can start repaying your debts on time to enhance your Emirates NBD credit card eligibility. However, this is not just the case with Emirates National Bank of Dubai, as most banks and financial lenders in the UAE check your credit report before providing you with a credit card or a loan. Your on-time debt repayments show that you are a responsible borrower who knows how to manage finances.   
2. Less Number of Credit Applications: A lesser number of credit card or loan inquiries can help you improve your Emirates NBD credit card eligibility. Avoid repeatedly calling the banks to ask credit-related questions. Also, make sure not to apply for multiple credit cards or loans simultaneously. You can always visit our credit cards section to explore your credit card options and know the information you are looking for.
3. Multiple Sources of Income: Having multiple sources of income can help you get your chosen Emirates NBD credit card without any hassle. Mention them all in your credit card application as this helps you achieve a good debt-to-income ratio that can help you get a credit card with a higher credit limit. However, keep in mind that overstating your income can also reduce your chances of getting a credit card. 

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