Emirates NBD Credit Cards

The merger of UAE’s second and fourth largest banks, Emirates Bank International (EBI) and National Bank of Dubai (NBD) respectively, lead to the formation of Emirates NBD in 2007. Emirates NBD shares were listed in Dubai’s stock exchange, the Dubai Financial Market (DFM) in the very same year as DFM: EMIRATES. An Emirates NBD credit card offers customers access to one of the largest and most innovative retail banking groups in UAE.

With assets worth over $ 134 billion in its possession (as of September 2018), Emirates NBD is one of the largest and most profitable banking institutes in UAE. Emirates NBD also ranks amongst the largest employers in UAE, with over 9,000 people from 70 different nationalities in its employee. The banking group shares its profits with cardholders through rewards on its eclectic range of Emirates NBD credit cards, created with the UAE consumer specifically kept in mind. The Emirates NBD credit cards offers in UAE incredible benefits ranging from discounted fares on tickets of the world-renowned Emirates airline to promotions on dining, luxury shopping and more.

In addition to various financial contributions via the Emirates NBD cards, the banking giant also contributes to the cultural heritage of UAE as seen through the Emirates NBD Pearl Museum. The Emirates NBD Pearl Museum was the first of its kind in UAE and was created for the people, to serve as a reminder of their cultural roots. It was gifted by the founder of the National Bank of Dubai, the late Sultan Al Owais.

Types of Emirates NBD Credit Cards

The Emirates NBD credit cards are conveniently classified into three categories based on the type of benefits they offer. These are namely the Lifestyle, Travel and Rewards range of Emirates NBD cards.

1. Lifestyle Emirates NBD credit cards

• The Lifestyle line of Emirates NBD credit card offers customers benefits on daily spendings like transportation and grocery purchases. Reasonably priced and filled to the brim with benefits, these credit cards are ideal for day to day use. The Lifestyle card available are:

2. Emirates NBD WebShopper Credit Card

• Eligibility: Minimum monthly salary of AED 8,000
• Annual Membership Fee: AED 50
• Monthly Interest (Retail): 2.99%

Benefits

1. This Emirates NBD credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the Emirates frequent flyer program – Skywards and to waive the Emirates NBD card’s annual membership fee.
2. Owners of the WebShopper credit card earn 1 Plus Point for every AED 200 spent on online transactions.

• The WebShopper Emirates NBD credit card was designed for online transactions only. It is not fitted with a magnetic strip, to prevent any misuse of the card on ATMs and in-store purchases.

1. Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.
2. This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.

 3. Emirates NBD Manchester United Credit Card 

• Eligibility: Minimum monthly salary of AED 10,000
• Annual Membership Fee: AED 250
• Monthly Interest (Retail): 3.25%

Benefits:

500. Owners of the Manchester United Emirates NBD credit card receive membership into the RED loyalty program, through which they can earn RED Points. RED Points can be redeemed on official Manchester United merchandise and on cash back, where 125,000 Red Points earn AED 500.
501. RED points can be earned in the following ways:

1. 10 RED Points for every AED 1 spent on sports goods.
2. 5 RED Points for every AED 1 spent on dining.
3. 2 RED Points for every AED 1 spent on international transactions.
4. 1 RED Point for every AED 1 spent on local retail purchases.

• Manchester United Emirates NBD card owners will receive a Manchester United home jersey on spending AED 2,000 within the first month.

1. This Emirates NBD credit card offers customers a chance to win a RED box, full of official Manchester United merchandise on spending AED 6,000 over 3 months.
2. Diehard Manchester United fans can use the ENBD credit card for:
   1. A 10% discount at the Red Café in Old Trafford.
   2. A 20% discount at the Manchester United Stadium and on the museum tour.
   3. A 10% discount on official membership.
3. Highest spenders earn amazing rewards such as team signed jerseys, fully paid trips to watch a match live and an exclusive lifetime gift.

• Free airport lounge access to 10 VIP lounges in UAE, Jordan, Egypt, KSA and Kuwait.
• The Emirates NBD credit card offers a discount on car rental services up to:
  1. 15% off in Europe, the Middle East, Asia and Africa
  2. 12% off in the US and Canada
• 40% discount on 100+ golf courses globally.
• 3% discount on flight tickets.
• 10% discount on holiday packages.
• 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
• Complimentary roadside assistance, which includes battery boosting, fuel delivery, flat tyre and towing services. Roadside assistance can be availed 3 times a year. This does not include inter-emirates tow services.

3. Emirates NBD Go4it Gold Credit Card

• Eligibility: Minimum monthly salary of AED 5,000
• Annual Membership Fee: AED 99
• Monthly Interest (Retail): 3.25%

Benefits:

1. This Emirates NBD credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the Emirates frequent flyer program – Skywards and to waive the Emirates NBD card’s annual membership fee.
2. Owners of the Go4it Gold Emirates NBD credit card can earn:

• 1 Plus Point on every AED 400 spent in local or international purchases that do not fall under any of the below-mentioned
• 5 Plus Points on every AED 400 spent on RTA services (metro, taxis and the soon to come tram service).
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.

• The Go4it Gold Emirates NBD credit card offers many Roads & Transport Authority (RTA) benefits.
  1. It can be used to make fare payments for the RTA metro.
  2. It can be used to make fare payments for RTA parking meters.
  3. It can be used to make fare payments for the RTA bus & water bus.

1. The Go4it Gold ENBD credit card comes with a voucher booklet that offers dozens of ‘buy one, get one free’ offers on dining and shopping.
2. Cardholders earn 5 times the usual amount of Plus Points on weekends.
3. Discounted rates on up to 4 movie tickets booked through VOX Cinemas every month.

• 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
• This Emirates NBD credit card entitles the primary cardholder and one guest to a complimentary Economy class Dubai Ferry ride.

1. 3% discount on flight tickets.
2. 10% discount on holiday packages.
3. Complimentary life insurance, which provides cover up to AED 75,000 on natural causes and accidental death.

• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your Go4it Gold Emirates NBD credit card limit as cash.
• Use your Emirates NBD credit card to convert any purchase into a monthly instalment plan with low-interest rates and tenors of 6, 12, 24 or 36 months.

4. Emirates NBD Go4it Platinum Credit Card

• Eligibility: Minimum monthly salary of AED 10,000
• Annual Membership Fee: AED 199
• Monthly Interest (Retail): 3.25%

Benefits:

1. This Emirates NBD credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the Emirates frequent flyer program – Skywards and to waive the Emirates NBD card’s annual membership fee.
2. Owners of the Go4it Platinum Emirates NBD credit card can earn:

• 1 Plus Point on every AED 200 spent in local or international purchases that do not fall under any of the below-mentioned
• 5 Plus Points on every AED 200 spent on RTA services (metro, taxis and the soon to come tram service).
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.

• The Go4it Platinum Emirates NBD credit card offers many Roads & Transport Authority (RTA) benefits.
  1. It can be used to make fare payments for the RTA metro (Gold class).
  2. It can be used to make fare payments for RTA parking meters.
  3. It can be used to make fare payments for the RTA bus & water bus.

1. The Go4it Gold ENBD credit card comes with a voucher booklet that offers dozens of ‘buy one, get one free’ offers on dining and shopping.
2. Cardholders earn 5 times the usual amount of Plus Points on weekends.
3. Discounted rates on up to 6 movie tickets booked through VOX Cinemas every month. Go4it Platinum ENDB credit card owners can also book tickets through VOX cinemas for a 50% discount every Sunday.

• 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
• This Emirates NBD credit card entitles the primary cardholder and one guest to a complimentary Business class Dubai Ferry ride.

1. 3% discount on flight tickets.
2. 10% discount on holiday packages.
3. Complimentary life insurance, which provides cover up to AED 100,000 on natural causes and accidental death.

• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your Go4it Platinum Emirates NBD credit card limit as cash.
• Use your Emirates NBD credit card to convert any purchase into a monthly instalment plan with low-interest rates and tenors of 6, 12, 24 or 36 months.
• Purchase protection.

2. Travel Emirates NBD Credit Cards

From hotel reservations to flight tickets, the Travel category of ENDB credit cards allows customers to accumulate huge savings on travel expenses.

 1. Emirates NBD Starwood Preferred Guest Credit Card

• Eligibility: Minimum monthly salary of AED 25,000
• Annual Membership Fee: AED 1,500
• Monthly Interest (Retail): 3.09%

Benefits:

1. The Starwood Preferred Guest (SPG) Emirates credit card offers customers automatic enrollment into the SPG loyalty program. Cardholders will earn SPG points, which can be redeemed on complimentary nights in 6,700 participating hotels, on VIP passes to concerts, restaurants and sports events and can be transferred to over 40 airlines including Emirates and Etihad.
2. ENDB credit card members earn:

• 3 SPG points on spending USD 1 on domestic purchases.
• 6 SPG points on spending USD 1 at select Marriot, Ritz-Carlton and SPG hotels.
• 75 SPG points per USD 1 spent on grocery shopping.
• 75 SPG points per USD 1 spent on car insurance and dealership expenses.
• 30 SPG points per USD 1 spent on fuel, government services and utility bills.
• 30 SPG points per USD 1 spent on telecom bills.
• 30 SPG points per USD 1 spent on education bills.
• 30 SPG points per USD 1 spent on real estate.
• Furthermore, SPG Emirates NBD credit card owners can join the SPG express points program for AED 300. Under this scheme, cardholders earn bonus points up to 50% of the total points earned on retail purchases (capped at 4,000 points). Additionally, the annual membership fee for the SPG ENDB credit card is waived (from the second year onwards) for customers enrolled in the SPG express points program.

• 20% discount on spa treatments and at participating SPG hotels in UAE.

1. Cardholders earn SPG Gold Elite membership, which provides:
   1. 25% bonus SPG points
   2. Late checkouts (2 pm)
   3. Room upgrades (on availability)
2. Unlimited lounge access to 850+ airports around the globe, on mentioning ‘Lounge key’ to the receptionist.
3. Concierge services, which provides the ENDB credit card owner with

• Up to 4 airport drops per year in UAE.
• Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
• Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
• Local courier facilities within UAE 12 times a year.

• 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.
• Free round of golf for the Emirates NBD cardholder at The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and Abu Dhabi Golf Club.

1. This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
2. Instantly gain up to 50% of your Go4it Gold Emirates NBD credit card limit as cash.
3. Use your Emirates NBD credit card to convert any purchase into a monthly instalment plan with low-interest rates and tenors of 3,6, 12, 24 or 36 months.

• Complimentary roadside assistance 3 times a year, which includes battery boosting, fuel delivery, flat tyre and towing services. Roadside assistance can be availed 3 times a year. This does not include inter-emirates tow services.
• 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
• 50% discount at more than 500 spas, gyms, medical centres and salons.

1. 50% discount on theme parks, indoor and adventure sports, marine exhibits and more.

• 25% off on the ENDB credit card owner’s next car rental.
• Fast track service for Schengen, KSA, UK, Australia and New Zealand visas.
• Travel interruption and medical insurance.

2. Emirates NBD dnata Platinum Credit Card

• Eligibility: Minimum monthly salary of AED 10,000
• Annual Membership Fee: AED 500
• Monthly Interest (Retail): 3.25%
  
  Benefits:

1. Owners of the dnata Platinum ENBD credit card get access to the dnata loyalty program, through which they can earn dnata Points on purchase made with the card. The dnata Points can be redeemed on hotel reservations, flight tickets, shopping expenses at partnered stores and to waive annual membership fees for the dnata card itself.
2. The Emirates NBD credit card owner earns:

• 5 dnata points on spending AED 100 on domestic and international retail purchases. (Capped at 2,000 dnata points per month)
• 15 dnata points per AD 100 spent on tourism services offered by Costa, City Sightseeing, Arabian Adventures and Imagine Cruising.*
• 10 dnata points on spending AED 100 on partnered hotels and travel bookings such as Emirates Holidays, MMI, dnata*
  * Capped at 15,000 dnata points per year.
• 5 dnata points per AED 100 spent in any duty-free store globally.
• 38 dnata points per AED 1,000 spent on grocery purchases.
• 38 dnata points per AED 1,000 spent on car insurance and dealership expenses.
• 15 dnata points per AED 1,000 spent on fuel, government services and utility bills.
• 15 dnata points per AED 1,000 spent on telecom bills.
• 15 dnata points per AED 1,000 spent on education bills.
• 15 dnata points per AED 1,000 spent on real estate.

• The primary owner of this Emirates credit card will gain access to 10 VIP airport lounges across UAE, Jordan, Kuwait, KSA and Egypt.

1. Up to 30% discount on hotel reservations made through Cleartrip Travel.
2. Up to 15% off the Emirates NBD credit card owner’s next car rental in Africa, Asia or the Middle East and 12% off in USA and Canada.
3. Tons of MasterCard ‘buy one get one free’ offers on premium dining and spas across the Middle East and Africa. These are limited to 3 times per month.

• Purchase protection.
• Use your Emirates NBD credit card to convert any purchase into a monthly instalment plan with 0% interest rates.

1. 3% discount on flight tickets (through Emirates NBD Travel).
2. 7% discount on holiday packages (through Emirates NBD Travel).
3. 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.

• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your dnata Platinum Emirates NBD credit card limit as cash.

3. Emirates NBD dnata World Credit Card

• Eligibility: Minimum monthly salary of AED 25,000
• Annual Membership Fee: AED 999
• Monthly Interest (Retail): 3.09%
  
  Benefits:

1. Owners of the dnata Platinum ENBD credit card get access to the dnata loyalty program, through which they can earn dnata Points on purchase made with the card. The dnata Points can be redeemed on hotel reservations, flight tickets, shopping expenses at partnered stores and to waive annual membership fees for the dnata card itself.
2. The Emirates NBD credit card owner earns:

• 2 dnata points on spending AED 100 on domestic and international retail purchases. (Capped at 2,000 dnata points per month)
• 15 dnata points per AD 100 spent on tourism services offered by Costa, City Sightseeing, Arabian Adventures and Imagine Cruising.*
• 10 dnata points on spending AED 100 on partnered hotels and travel bookings such as Emirates Holidays, MMI, dnata*
  * Capped at 15,000 dnata points per year.
• 10 dnata points per AED 100 spent in any duty-free store globally.
• 50 dnata points per AED 1,000 spent on grocery purchases.
• 50 dnata points per AED 1,000 spent on car insurance and dealership expenses.
• 20 dnata points per AED 1,000 spent on fuel, government services and utility bills.
• 20 dnata points per AED 1,000 spent on telecom bills.
• 20 dnata points per AED 1,000 spent on education bills.
• 20 dnata points per AED 1,000 spent on real estate.

• Unlimited lounge access to 850+ airports around the globe, on mentioning ‘Lounge key’ to the receptionist.

1. Concierge services, which provides the ENDB credit card owner with
2. Up to 4 airport drops per year in UAE.
3. Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
4. Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
5. Local courier facilities within UAE 12 times a year.
6. 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.
7. Free round of golf for the Emirates NBD card owner at The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and Yas Links Golf Club. This service is capped at twice per month.

• 10% discount on international round trip flight tickets booked through Cleartrip.
• 3% discount on flight tickets (through Emirates NBD Travel).

1. 7% discount on holiday packages (through Emirates NBD Travel).
2. 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
3. Up to 25% off the Emirates NBD credit card owner’s next car rental, as well as 10% off on Premium Chauffer services.

• One complimentary night of stay (on booking two nights) in over 175 Starwood Hotel & Resorts across Europe, Middle East, Asia and Africa. The ENDB credit card holder can also earn two complimentary nights on booking 4 nights of stay.
• Tons of MasterCard ‘buy one get one free’ offers on premium dining and spas across the Middle East and Africa. These are limited to 3 times per month.
• Complimentary travel inconvenience and medical insurance.

1. This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.

• Instantly gain up to 50% of your dnata World Emirates NBD credit card limit as cash.
• Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.

5. Emirates NBD Skywards Signature Credit Card

• Eligibility: Minimum monthly salary of AED 15,000
• Annual Membership Fee: AED 700
• Monthly Interest (Retail): 3.25%
  
  Benefits:
1. The Emirates NBD Skywards credit card allows the primary cardholder to earn an incredible amount of Skywards Miles. Skywards Miles can be redeemed for discounts and upgrades on all Emirates flights domestic and international.
2. Owners of the Emirates Skywards credit card earn:
   1. 75 Skywards Miles per USD 1 spent on domestic retail purchases.
   2. 1 Skywards Mile per USD 1 spent on international retail purchases.
   3. 5 Skywards Miles per USD 1 spent on the Emirates UAE site (found at emirates.ae).
• Unlimited lounge access to 650+ airports around the globe for the primary Emirates Skywards credit card owner, on mentioning ‘Lounge key’ to the receptionist.
1. Concierge services, which provides the ENDB credit card owner with
   1. Up to 2 airport drops per year in UAE.
   2. Visit visa submissions at Dubai and Abu Dhabi airports 4 times a year.
   3. Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
   4. Local courier facilities within UAE 6 times a year.
2. 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.
3. Free round of golf for the Emirates NBD card owner at golf ranges such as The Track Meydan Golf Club, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and more. This service can be availed twice a month.
• 3% discount on flight tickets (through Emirates NBD Travel).
• 7% discount on holiday packages (through Emirates NBD Travel).
1. 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
2. Purchase protection.
3. Complimentary travel insurance.
• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your Emirates NBD Skywards credit card limit as cash.
• Use your Emirates NBD credit card to convert any purchase into a monthly instalment plan with low-interest rates and tenors of 6, 12, 24 or 36 months.

6. Emirates NBD Skywards Infinite Credit Card

• • Eligibility: Minimum monthly salary of AED 30,000
  • Annual Membership Fee: AED 1,500
  • Monthly Interest (Retail): 3.09%
    
    Benefits:
  1. The Emirates NBD Infinite credit card allows the primary cardholder to earn an incredible amount of Skywards Miles. Skywards Miles can be redeemed for discounts and upgrades on all Emirates flights domestic and international.
  2. Owners of the Emirates NBD Infinite card earn:
• 1 Skywards Mile per USD 1 spent on domestic retail purchases.
• 5 Skywards Miles per USD 1 spent on international retail purchases.
• 2 Skywards Miles per USD 1 spent on the Emirates UAE site (found at emirates.ae).
• Emirates NBD Infinite credit card owners can opt-in for the express miles program for a monthly fee of AED 250. These customers will receive an additional 50% of the total miles earned on retail expenditure as bonus miles. Express miles are capped at 4,000 per month. Members of the Express Miles program will also have the annual membership fee for their Emirates NBD credit card
  • Unlimited lounge access to 650+ airports around the globe for the primary Emirates Infinite credit card owner and 1 guest, on mentioning ‘Lounge key’ to the receptionist.
  1. Concierge services, which provides the ENDB credit card owner with
• Up to 4 airport drops per year in UAE.
• Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
• Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
• Local courier facilities within UAE 12 times a year.
  1. 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.
  2. Free round of golf for the Emirates NBD card owner at golf ranges such as The Track Meydan Golf Club, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and more. This service can be availed twice a month.
  • 3% discount on flight tickets (through Emirates NBD Travel).
  • 7% discount on holiday packages (through Emirates NBD Travel).
• 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
• Purchase protection.
• Complimentary travel insurance.
• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your Emirates NBD Infinite credit card limit as cash.
• Use your Emirates NBD credit card to convert any purchase into a monthly instalment plan with low-interest rates and tenors of 6, 12, 24 or 36 months.
• Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.

  3. Reward Emirates NBD Credit Cards
     

     The Emirates NBD credit card benefits for the Reward line of cards is extremely diverse. It offers cardholders discounts and offers on lifestyle expenses, travel, dining and more.

  3. Emirates NBD Diners Club Credit Card

• Eligibility: Minimum monthly salary of AED 8,000
• Annual Membership Fee: AED 400
• Monthly Interest (Retail): 3.30%
  
  Benefits:
1. This Emirates NBD credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the frequent flyer programs and to waive the Emirates NBD card’s annual membership fee.
2. Owners of the Diners Club Emirates NBD credit card can earn:
• 5 Plus Points on every AED 100 spent in duty-free
• 5 Plus Points on every AED 100 spent on dining.
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.
  • Primary holders of the ENBD credit card gain unlimited access to participating airport lounges worldwide. This offer is valid only when the cardholder spends an average of AED 2,500 over 3 months.
  1. 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East and Europe.
  2. This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
  3. Instantly gain up to 50% of your Diners Club credit limit as cash.
  • Complimentary travel insurance for trips no longer than 180 days.
  • Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 2 times a year.

2. Emirates NBD Titanium Credit Card

• Eligibility: Minimum monthly salary of AED 5,000
• Annual Membership Fee: AED 400
• Monthly Interest (Retail): 3.25%
  
  Benefits:
  1. This Emirates NBD Titanium credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the frequent flyer programs and to waive the Emirates NBD card’s annual membership fee.
  2. Owners of the Emirates NBD Titanium credit card can earn:
• 1 Plus Point on every AED 100 spent on purchases that do not fall under any of the categories mentioned below.
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.
  • Free airport lounge access to 10 VIP lounges in UAE, Jordan, Egypt, KSA and Kuwait.
  1. 40% off on 100+ golf courses around the globe, as well as 15% off on golf equipment purchased through www.egolfmegastore.ae
  2. Use your Emirates NBD Titanium credit card to convert any purchase into a monthly instalment plan with 0% interest rates and tenors of 6-12 months.
  3. Tons of MasterCard ‘buy one get one free’ offers on premium dining and spas across the Middle East and Africa. These can be availed 3 times a month.
  • Discounted car fares on Careem rides and on Avis car rentals.
  • This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
  1. Instantly gain up to 50% of your Emirates NBD Titanium credit card limit as cash.
  2. Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.

3. Emirates NBD MasterCard Platinum Credit Card

• Eligibility: Minimum monthly salary of AED 15,000
• Annual Membership Fee: AED 700
• Monthly Interest (Retail): 3.25%
  
  Benefits:
  1. This Emirates NBD Platinum credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the frequent flyer programs and to waive the Emirates NBD card’s annual membership fee.
  2. Owners of the Emirates NBD Platinum credit card can earn:
• 2 Plus Point on every AED 100 spent on purchases that do not fall under any of the categories mentioned below.
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.
  • Free airport lounge access to 10 VIP lounges in UAE, Jordan, Egypt, KSA and Kuwait.
  1. Concierge services, which provides the Emirates NBD Platinum credit card owner with
• Up to 2 airport drops per year in UAE.
• Visit visa submissions at Dubai and Abu Dhabi airports 4 times a year.
• Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
• Local courier facilities within UAE 6 times a year.
  1. Free round of golf for the Emirates NBD card owner at The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and Yas Links Golf Club. This service is capped at once a month.
  2. 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.
  • Tons of MasterCard ‘buy one get one free’ offers on premium dining and spas across the Middle East and Africa. These are limited to 3 times per month.
  • Up to 30% discount on hotel reservations made through Cleartrip Travel.
• Up to 15% off the Emirates NBD credit card owner’s next car rental in Africa, Asia or the Middle East and 12% off in USA and Canada.
• Discounted car fares on Careem rides and on Avis car rentals.
• Purchase protection.
  • This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
  • Instantly gain up to 50% of your Emirates NBD Platinum credit card limit as cash.
  • Use your Emirates NBD Platinum credit card to convert any purchase into a monthly instalment plan with 0% interest rates and tenors of 6-12 months.
  1. Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.

4. Emirates NBD Visa Platinum Credit Card  

•  Eligibility: Minimum monthly salary of AED 15,00
•  Annual Membership Fee: AE
• Monthly Interest (Retail): 3.25%
  
  Benefits:

1. This Emirates NBD Platinum credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the frequent flyer programs and to waive the Emirates NBD card’s annual membership fee.
2. Owners of the Emirates NBD Platinum credit card can earn:

• 2 Plus Point on every AED 100 spent on purchases that do not fall under any of the categories mentioned below.
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.

• Free unlimited access for the primary cardholder to select airport lounges in UAE.

1. Concierge services, which provides the Emirates NBD Platinum credit card owner with

• Up to 2 airport drops per year in UAE.
• Visit visa submissions at Dubai and Abu Dhabi airports 4 times a year.
• Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
• Local courier facilities within UAE 6 times a year.

1. Free round of golf for the Emirates NBD card owner at The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and Yas Links Golf Club. This service is capped at once a month.
2. 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.

• Purchase protection.
• 50% off on movie tickets for Sunday shows. Tickets must be booked online through VOX Cinemas and is capped at 10 tickets a month (and up to 4 per transaction).
• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your Emirates NBD Platinum credit card limit as cash.
• Use your Emirates NBD Platinum credit card to convert any purchase into a monthly instalment plan with 0% interest rates and tenors of 6-12 months.
• Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.

5. Emirates NBD Visa Infinite Credit Card

• Eligibility: Minimum monthly salary of AED 30,000
• Annual Membership Fee: AED 1,500
• Monthly Interest (Retail): 2.99%
  
  Benefits:

1. This Emirates NBD Infinite credit card offers automatic enrollment into the Plus Points rewards program. Plus Points can be redeemed for cash back, for miles in the frequent flyer programs and to waive the Emirates NBD Infinite card’s annual membership fee.
2. Owners of the Emirates NBD Infinite credit card can earn:

• 2 Plus Point on every AED 100 spent on purchases that do not fall under any of the categories mentioned below.
• 4 Plus Points on every AED 1,000 spent on grocery shopping.
• 4 Plus Points on every AED 1,000 spent on fuel, government spending and utility bills.
• 4 Plus Points on every AED 1,000 spent on car insurance and dealership expenses.
• 2 Plus Points on every AED 1,000 spent on telecom payments.
• 2 Plus Points on every AED 1,000 spent on education bills.
• 2 Plus Points on every AED 1,000 spent on real estate expenses.

• Free airport lounge access for the primary Emirates NBD Infinite credit card owner and 1 guest to 1,000+ airport lounges globally.

1. Concierge services, which provides the Emirates NBD Infinite credit card owner with

• Up to 4 airport drops per year in UAE.
• Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
• Pick-up and delivery for car registrations in Dubai & Abu Dhabi once a year.
• Local courier facilities within UAE 12 times a year.

1. Free round of golf for the Emirates NBD card owner at The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club and Yas Links Golf Club. This service is capped at twice a month.
2. 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.

• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the payment due date.
• Instantly gain up to 50% of your Emirates NBD Infinite credit card limit as cash.
• Purchase protection.
• Use your Emirates NBD Infinite credit card to convert any purchase into a monthly instalment plan with 0% interest rates and tenors of 6-12 months.
• Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 3 times a year.

6. Emirates NBD Duo Credit Card

• Eligibility: Not specified
• Annual Membership Fee: AED 800
• Monthly Interest (Retail): 3.25%
  
  Benefits:

1. This particular Emirates NBD credit card is available in Abu Dhabi only.
2. The Emirates NBD Duo card combines the benefits of the Emirates Diners Club credit card and the MasterCard Emirates NBD Platinum credit card.

• Owners of this Emirates NBD credit card can earn Plus Points in the following manner:
  1. 5 Points on every AED 100 spent on groceries, electronics, utility bills, education bills and fuel purchases.
  2. 5 Points on every AED 1,000 spent on all other expenses such as travel, dining, hotel reservations and more.
• Unlimited lounge access to over 800 airports globally.
• 2 complimentary airport transfers per year on purchasing a flight ticket with the Diners Club ENDB credit card.
• Access to a concierge service (once a year) for pick up and drop off of your vehicle for car registration and servicing.
• 3 ‘buy one get one free’ offers on movie tickets booked online through cineroyal.ae using the Diners Club Emirates NBD credit card.
• A complimentary round of golf once a month at the Yas Links range in Abu Dhabi.
• 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld and Ferrari World.
• Instantly gain up to 50% of your Emirates NBD credit card limit as cash.
• Purchase protection.
• Complimentary roadside assistance, which includes battery boosting, fuel delivery and towing services. Roadside assistance can be availed 2 times a year.

Features & Benefits of Emirates NBD Credit Cards

An Emirates NBD credit card offers customers the opportunity to experience top of the line features and save like never before through a plethora of discounts and offers. Here are just some of the biggest Emirates NBD credit card benefits.

• No-Touch Payments

  Also referred to as contactless payments, nearly every Emirates NBD credit card offers this feature to customers. Make payments quickly and securely, while protecting your card’s magnetic strip from wear and tear damage with contactless payments.

• 24/7 Support

  Emirates NBD credit cards are lauded for their expertly trained staff of customer support executives. Support facilities are available around the clock, any day of the year and can be availed through online live chats and via phone/text

• Online Banking

  A sophisticated and highly intuitive online banking platform allows customers to access their ENDB credit card account statement, conduct online transactions and even request for an increase in credit limit no matter where they are.

• Instalment Plans

  Nearly all of the Emirates NBD cards come with an optional instalment plan feature. This gives customers additional spending power, by converting any large amount transaction into easy to pay monthly instalments. High-end cards like the Emirates NBD Platinum credit card even offer the customer a 0 % interest for tenors of up to 12 months.

• On-the-spot Cash

  Most of the Emirates NBD credit cards offer customers access to 50% of their credit limit as instant cash, which can be withdrawn from any ATM with a Visa or MasterCard around the globe.

• Protect Plus Insurance

  This insurance covers the ENDB credit card owner from any unforeseen accidents which leave them unable to pay off the outstanding amount. The policy covers loss of job, death, permanent disability and terminal illnesses.

• Purchase Protection

  Some of the ENDB credit cards offer customers purchase protection, which becomes incredibly helpful in case of damage, loss or theft of new purchases. Eligible for purchases over USD 100, purchase protection refunds or replaces any stolen, lost or damaged item if it was bought with the Emirates NBD credit card.

           Benefits
          Emirates NBD credit cards offer customers a wide range of benefits, some of which are listed below:

• Cashback - Many of the Emirates NBD cards enrol the cardholder into a loyalty program. These loyalty programs can be used to rack up points, which can then be redeemed for lucrative cash back deals and even to waive the annual membership fee of the card itself.
• Supplementary Cards - Let your entire family enjoy the benefits of the Emirates NBD credit card with easy to apply for supplementary cards. Not only can these cards be set with a pre-defined spending limit, but every transaction with the supplementary card can also earn the primary cardholder loyalty points.
• Flight Benefits - The perfect example of a card with flight benefits is the Emirates Skywards credit card. The credit card allows customers to accumulate enormous amounts of Skywards Miles by making purchases with the card. But in addition to air miles, the card also gives cardholders access to hundreds of premium airport lounges all over the world, regardless of ticket class.
• Travel Advantages - From complimentary hotel stays and room upgrades to discounts on gourmet meals and travel insurance, the travel range of Emirates NBD credit cards offers fantastic benefits to customers with active and adventurous lifestyles.
• Roadside Assistance - High on the list of Emirates NBD credit card benefits lies roadside assistance. The services include changing flat tyres, battery boosting, fuel delivery and towing.

 
Emirates NBD Credit Card Interest Rates & Annual Membership Fees

Given below is a comprehensive list of all the currently available Emirates NBD credit cards.

How to Apply for an Emirates NBD Credit Card?

With the enormous variety of Emirates NBD credit cards available in UAE, identifying the perfect card can take some time. The major criteria to consider are interest rates, annual fees, minimum monthly salary requirements and the many Emirates NBD credit card offers.

Applications for an ENBD credit card can be initiated by either visiting branch or filling out an online application form. The online application process is extremely simple and rapid. It can be completed within minutes with the right documents in hand. The documents required for aspirants of an Emirates NBD credit card to apply successfully are listed below:

• Original and a copy of your Emirates ID (for UAE nationals).
• Original passport and copy.
• Most recent salary certificate.
• Original bank statement (or mini ATM statement) for 3 latest months.
• A security cheque.
• If the Emirates NBD credit card is being applied for by a corporation, the organization will have to present their original Trade License.

The documents required to apply for an Emirates NBD supplementary credit card are:

1. Original and copy of the Emirates NBD supplementary credit card applicant’s passport.
2. The primary cardholder’s original Emirates NBD credit card.

For your very own Emirate NBD credit card, apply online here.

Emirate NBD Credit Card Interest Rates

Every Emirates NBD credit card offers two types of interest rates: retail interest rate and cash advance interest rate.

The retail interest rate is paid on any overdue amount left over after the payment due date. This interest is accrued on all retail purchases made using the ENBD credit card and can be avoided by paying the full due amount every month.

Cash advance interest, on the other hand, is interest charged on any cash withdrawals made with the Emirates NBD credit card. The interest is calculated from the date of the cash advance itself.

The interest rates for the various Emirates NBD credit cards are mentioned below.

The Emirate NBD Credit Card Limit

Customers are given the option to increase or to decrease their Emirates NBD credit card limit. While requests to increase the Emirates NBD credit card limit can only be done in person by visiting an Emirates NBD branch, decreasing the credit limit can be done via phone.

For decrease requests, Emirates NBD credit card owners can contact 600 54 0000.

 The complete list of Emirates NBD branches in UAE can be found here.

Customers will require the following documents to request an increase in their Emirates NBD credit card limit are:

• Original and copy of Emirates ID (for UAE nationals).
• Original and copy of passport (along with visa page).
• For Emirates NBD credit card customers with a salary account only:

1. Salary certificate no older than 1 month.
2. If the customer’s salary has seen an increase or more than 10%, a pay-slip will also be required.

1. For ENBD credit card customers with a non-salary account only:

• Bank statement for 3 latest months.
• Salary certificate no older than 1 month.
• If the customer’s salary has seen an increase or more than 10%, a pay-slip will also be required.

1. For self-employed Emirates NBD credit card customers only:

• A valid trade license.
• The originally issued Memorandum of Association (MOA).
• Bank statement for 3 latest months.

Emirates NBD credit card executives may request for additional documentation at their own discretion.

Emirates NBD Credit Card Charges

Besides the ENBD credit card annual fee, customers may also incur other charges based on activity. It is important to go over all the listed charges in the provided Emirates NBD credit card policy. Some of the most common Emirates NBD credit card charges are given below:

• Late Payment Charge
  The late payment Emirates NBD credit card charge is AED 230.
• Over Limit Charge
  The over limit Emirates NBD credit card charge is AED 279.
• Card Replacement Charge
  The Emirates NBD credit card charge for replacement of the Go4it Emirates credit card is AED 50 and for all other ENBD credit cards it is AED 20.

Other charges include cheque return charges, paper statement charges, foreign currency transaction charges and more. The full list of general Emirates NBD credit card charges can be found here.

How to Cancel an Emirates NBD Credit Card?

Customers who wish to cancel their Emirates NBD credit card will first have to clear any outstanding payments due on their account. It is also advised to obtain a No Dues Certificate from the bank, as it may be required when leaving the country.

Cardholders are required to contact an Emirates NBD credit card representative at 600540000 to request for cancellation. Once the card’s cancellation has been confirmed, customers should destroy their Emirates NBD credit card and all Emirates NBD supplementary credit cards for security purposes.

Why Choose an Emirates NBD Credit Card?

An Emirates NBD credit card offers customers fantastic spending power and the ability to realize their financial aspirations like never before. These are just some of the many reasons why Emirates NBD credit cards enjoy such massive popularity in UAE.

• Recognized Excellence
  Emirates NBD has been recognized globally for their invaluable contributions to the Middle East’s financial sector. Emirates NBD was declared the best retail bank in the Middle East by The Asian Banker and by Euromoney in 2018.
• Customer Care
  Every step taken by Emirates NBD is done so with the customer kept in mind. The customer care staff aim to understand a customer’s financial needs and ambitions before suggesting the perfect Emirates NBD credit card. This relentless pursuit of customer satisfaction can be across the entire rage of ENBD credit cards, which offer some of the best deals in UAE.
• Partnership Benefits
  Whether you picture yourself sprawled out on a luxurious couch in an Emirates Airlines first class cabin, or dining on mouthwatering international cuisine, it’s all possible with an Emirates NBD credit card. The Emirates credit card offers are immaculately planned to provide cardholders with some of the best in industry rewards.
• Hard Work & Innovation
  Emirates NBD strongly values passion and commitment in their employees. As one of the Middle East’s financial industry giants, Emirates NBD is constantly at the forefront of new and improved banking and investment strategies. Emirates NBD credit cards offer unique and exciting benefits to customers looking for a bank that cares just as much about their financial goals as they do themselves.

Emirates NBD FAQs

Q.1. What are supplementary cards?

Supplementary cards, also known as add-on cards, are credit cards that are offered to family members of the primary cardholder.  Supplementary cards function exactly like a normal credit card and are even eligible for the same benefits, but all expenses and fees are charged to the main card instead. The primary cardholder can set spending limits on supplementary cards.

Emirates offer customers up to 5 Emirates NBD supplementary credit cards.
Q.2. What is a late fee?

Typically a credit card provider will charge customers an annual membership fee and interest on purchases made on borrowed credit. These charges are seen as minimum monthly payments that the customer is expected to make by a specified date. If you have not made the payment by this due date, you are charged a late fee. This late fee is charged over the interest you’d normally pay on the outstanding debt. It is advisable to avoid late fees by paying on time every month, as late fees will also negatively affect your credit history.

Emirates NBD credit card charges for late payments are AED 230.

Q.3. What is an over-limit fee?

If outstanding or current balance surpasses the set credit limit, the cardholder is charged an over limit fee. Interest, cash advances and other charges are also included in the outstanding balance of an account.

Emirates NBD credit card charges for over limit accounts are AED 279.

Q.4. What is a cash advance?

Any cash withdrawal made from an ATM or a branch with the credit card is referred to as a cash advance. Credit cards charge high interest rates on cash advances, so it is suggested to keep withdrawals to a bare minimum. Use a debit card instead to make withdrawals. Credit card withdrawals incur a cash advance fee and will also have interest charged on the withdrawn amount, starting from the date of the withdrawal itself.

Emirates NBD credit card charge a cash advance fee of 3% of the total transaction up to AED 99 maximum. The cash advance interest rates on an ENBD credit card are same as its retail interest rates.

Q.5. What am I supposed to do if my credit card is stolen or lost?

Lost or stolen credit cards need to be reported to a bank representative as soon as possible. The bank will then freeze the missing card and replace it with a new one. The longer you wait to report a missing card, the more at risk you are of paying for fraudulent credit card purchases.

Customers can block their Emirates NBD credit card through the ENBD mobile banking app or by calling a customer support executive at (+971) 600540000. This should be done as soon as the card is lost, to prevent any fraudulent charges from being made on it. The Emirates NBD credit card staff will issue a replacement card and charge the customer a nominal replacement fee. The replacement fee for an Emirates Go4it credit card is AED 50, while for all other ENBD credit cards it is AED 20.

Q.6. How do I gain access to airport lounges using my credit card?

Not all credit cards offer airport lounge access. Ensure that your card has lounge access benefits or you may be charged during entry. Similarly, only airports partnered with the bank will permit airport lounge access. To gain entry, you must have your credit card in person. The card will be swiped at the reception and relevant lounge passes will be deducted from your card benefits.

Cards like the Emirates NBD Skywards credit card offer access to over 650 lounges across the globe.

Q.7. What are instalment plans and how do I book one?

An instalment plan allows cardholders to pay for big amount purchases in smaller instalments over an agreed upon a number of months (or tenor). In other words, customers can purchase items within their credit limit and pay off the full amount over a period of time. Many banks also offer zero interest instalments, which charge no additional amount for these monthly instalments. However, you should confirm whether the selected vendor is covered by the bank before making a purchase, to avail the benefits of an instalment plan.

Emirates NBD credit card owners are eligible to convert their transactions into an instalment plan as per the guidelines are given online. 

Q.8. What services can I access through online banking?

Online banking makes day to day transactions and query resolutions a breeze. Some of the many features of online banking are as follows:

• Account Balance & Statement
• Transaction History
• Fund Transfers: To accounts of the same bank, in other banks and even overseas
• Pay Bills
• Add Beneficiaries & Manage Investments
• Add & Modify Personal Information
• Block & Cancel Cards
• Schedule Fund Transfers
• Create Activity Alerts and a lot more.

The ENBD credit card login can be found online.

Q.9. Will I earn loyalty points on online purchases as well?

Yes, any purchases made through your credit card are liable for loyalty points. These purchases can be made in person or online. To ensure you are earning points, first confirm whether your credit card grants you access to a loyalty program. Furthermore, factors such as the type of currency being used (foreign or local), type of items being purchased (grocery and real estate purchases may earn less) and yearly earning limits can determine whether you earn points.

Nearly every Emirates NBD credit card offers a reward program. Consult your policy to identify which loyalty points you may earn.

Q.10. Where do I make my credit card payments?

Credit cardholders have to make minimum monthly payments by a specified payment due date, to avoid late fees and delinquencies in their credit history. These payments can be made in a variety of ways, depending on the bank. They can be made:

• Through online transfers using BankNet – the secure ENBD credit card online banking platform.
• Through automatic monthly payments (also known as a direct debit).
• Through Emirates NBD cash deposit machines.
• Through exchange houses such as Al Ansari Exchange and any UAE Exchange branch.