Emirates NBD Credit Card

Introduction to Emirates NBD Credit Cards

The merger of UAE’s second largest bank- Emirates Bank International (EBI) and fourth largest bank,  -National Bank of Dubai (NBD) lead to the formation of Emirates NBD in 2007. Emirates NBD shares got listed in Dubai’s stock exchange, the Dubai Financial Market (DFM) in the same year as DFM: EMIRATES. The Emirates NBD credit card offers cardholder access to one of the largest and most innovative retail banking groups in the 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 the UAE. With over 9,000 employees from 70 different nationalities, Emirates NBD also ranks amongst the largest employers in the UAE. It shares profits with cardholders through rewards on its eclectic range of Emirates NBD credit cards. The cards are formulated keeping the financial needs of the UAE credit card applicants in mind. The Emirates NBD credit cards offer 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 the UAE through the Emirates NBD Pearl Museum. First, of its kind, the Emirates NBD Pearl Museum was created for the people to remind them 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 classified into three categories based on the type of benefits they offer. These are Lifestyle, Travel and Rewards range of Emirates NBD cards.

Lifestyle Emirates NBD credit cards

The Lifestyle line of Emirates NBD credit card offers the cardholder benefits on daily spendings such as transportation and grocery purchases. Reasonably priced and filled to the brim with benefits, these Emirates NBD cards are ideal for day to day use. Here are the offered Lifestyle cards:

a. Emirates NBD WebShopper Credit Card

• Monthly Interest (Retail): 2.99%

Benefits:

• This Emirates NBD credit card offers automatic enrollment of the cardholder 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.
• The member of the WebShopper credit card earns 1 Plus Point for AED 200 spent on online transactions.
• The WebShopper Emirates NBD credit card is designed for online transactions only. In order to prevent any misuse of the card on ATMs and in-store purchases, the card comes with a magnetic strip.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services thrice a year.
• This Emirates NBD card offers 55 days of absolutely no interest, provided that the cardholder pays the full outstanding balance before the due date of the payment.

b. 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:

• The member of the Manchester United Emirates NBD credit card gets enrolled into the membership of the RED loyalty program and earns RED Points. The accumulated RED Points can be redeemed for purchasing official Manchester United merchandise and on cash back, where 125,000 Red Points earn AED 500.
• RED Points can be earned in the following ways:
  • 10 RED Points for every AED 1 spent on sports goods.
  • 5 RED Points for every AED 1 spent on dining.
  • 2 RED Points for every AED 1 spent on international transactions.
  • 1 RED Point for every AED 1 spent on local retail purchases.
• Manchester United Emirates NBD card member will get a Manchester United home jersey upon spending AED 2,000 within the first month.
• This Emirates NBD credit card offers the card member a chance to win a RED box, full of official merchandise of Manchester United upon spending AED 6,000 in a period of 3 months.
• Diehard Manchester United fans can use the ENBD credit card for availing:
  • A 10% discount at the Red Café in Old Trafford.
  • A 20% discount at the Manchester United Stadium and on the museum tour.
  • A 10% discount on official membership.
• The card member who spends the highest amount using the card can earn amazing rewards such as team signed jerseys, fully paid trips to watch a live match, and an exclusive lifetime gift.
• The card member can avail free airport lounge access to 10 VIP lounges in UAE, Jordan, Egypt, KSA, and Kuwait.
• The Emirates NBD credit card offers the following car rental discounts:
  • 15% off in Europe, the Middle East, Asia, and
  • 12% off in the US and
• 40% discount on 100+ golf courses across the globe.
• 3% discount on flight tickets.
• 10% discount on holiday packages.
• 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East, and Europe.
• The card member can avail complimentary roadside assistance including battery boosting, fuel delivery, flat tyre, and towing services 3 times a year.

Note- This does not include inter-emirates tow services.

c. 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:

• This Emirates NBD credit card offers automatic enrollment of the card member into the Plus Points rewards program. The accumulated 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.
• The member of the Go4it Gold Emirates NBD credit card can earn:
  • 1 Plus Point on every AED 400 spent for 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 payments.
  • 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 such as:
  • It can be used to make fare payments for the RTA
  • It can be used to make fare payments for RTA parking meters.
  • It can be used to make fare payments for the RTA bus & water bus.
• The Go4it Gold ENBD credit card comes with a voucher booklet that offers dozens of buy one, get one free offer on dining and shopping.
• The cardholder earns 5 times the usual amount of Plus Points when they shop on weekends.\
• The cardholder can avail discounted rates on up to 4 movie tickets booked through VOX Cinemas every month.
• The cardholder can avail a 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 enjoy a complimentary Economy class Dubai Ferry ride.
• The cardholder can avail 3% discount on booking flight tickets.
• The cardholder can avail 10% discount on booking holiday packages.
• The cardholder can avail complimentary life insurance that provides coverage up to AED 75,000 in case of 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.
• The cardholder can instantly avail up to 50% of their Go4it Gold Emirates NBD credit card limit as cash.
• The cardholder can use their 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.

d. Emirates NBD Go4it Platinum Credit Car

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

Benefits:

• This Emirates NBD credit card offers automatic enrollment of the card member into the Plus Points rewards program. The accumulated Plus Points can be redeemed for cash back, for miles in the Emirates frequent flyer program – Skywards and to waive-off the Emirates NBD card’s annual membership fee.
• The member of the Go4it Platinum Emirates NBD credit card can earn:
  • 1 Plus Point on every AED 200 spent for 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 payments.
  • 2 Plus Points on every AED 1,000 spent on real estate expenses.
• The Go4it Platinum Emirates NBD credit card offers the following Roads & Transport Authority (RTA) benefits:
  • It can be used to make fare payments for the RTA metro (Gold class).
  • It can be used to make fare payments for RTA parking meters.
  • It can be used to make fare payments for the RTA bus & water bus.
• The Go4it Gold ENBD credit card comes with a voucher booklet that offers dozens of buy one, get one free offer on dining, and shopping.
• The cardholder can avail earn 5 times the usual amount of Plus Points on weekends.
• The cardholder can avail discounted rates for up to 6 movie tickets booked through VOX Cinemas every month. Go4it Platinum ENDB credit card member can also book tickets through VOX cinemas for availing a 50% discount every Sunday.
• The cardholder can avail a 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.
• The cardholder can avail 3% discount on booking flight tickets.
• The cardholder can avail 10% discount on booking holiday packages.
• The cardholder can avail complimentary life insurance that provides cover up to AED 100,000 in case of 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.
• The cardholder can instantly avail up to 50% of their Go4it Platinum Emirates NBD credit card limit as cash.
• The cardholder can use their 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.
• The cardholder can avail purchase protection for the eligible goods.

Travel Emirates NBD Credit Cards

From hotel reservations to flight tickets, the Travel category of ENDB credit cards enables the cardholder to enjoy huge savings on travel expenses.

a. 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:

• The Starwood Preferred Guest (SPG) Emirates credit card offers automatic enrollment of the cardholder into the SPG Loyalty Program. The cardholder will earn SPG Points that can be redeemed on booking complimentary nights at 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.
• 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 member can enrol in SPG Express Points Program for AED 300. Under this program, the cardholder earns 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 the cardholder enrolled in the SPG Express Points Program.
• The cardholder can avail 20% discount on spa treatments and at the participating SPG Hotels in the UAE.
• The cardholder can enrol in SPG Gold Elite membership, which offers:
  • 25% bonus SPG points
  • Late checkouts (2 pm)
  • Room upgrades (on availability)
• The cardholder can avail unlimited lounge access to 850+ airports around the globe.
• The cardholder can avail concierge services that offer the ENDB credit card owner with:
  • Up to 4 airport drops per year in the UAE.
  • Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
  • Pick-up and delivery for car registration service in Dubai & Abu Dhabi once a year.
  • Local courier facilities within the UAE 12 times a year.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The cardholder can avail 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.
• 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.
• The cardholder can instantly avail up to 50% of their Go4it Gold Emirates NBD credit card limit as cash.
• The cardholder can avail 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.
• The cardholder can avail complimentary roadside assistance thrice a year that includes battery boosting, fuel delivery, flat tyre, and towing services. This does not include inter-emirates tow services.
• The cardholder can avail a 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East, and Europe.
• The cardholder can avail 50% discount at more than 500 spas, gyms, medical centres, and salons.
• The cardholder can avail 50% discount on theme parks, indoor and adventure sports, marine exhibits, and more.
• The cardholder can avail 25% off using their ENDB credit card for booking their next car rental.
• The cardholder can avail fast track visa service for Schengen, KSA, UK, Australia, and New Zealand.
• The cardholder can avail travel interruption and medical insurance.

b. 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:

• The member of the dnata Platinum ENBD credit card can avail access to the dnata loyalty program and earn dnata Points on purchase made with the card. The accumulated dnata Points can be redeemed for hotel reservations, flight tickets, shopping expenses at partnered stores and to waive annual membership fees for the dnata card itself.
• The Emirates NBD credit card member 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 for AD 100 spent on tourism services offered by Costa, City Sightseeing, Arabian Adventures, and Imagine Cruising.*
  • 10 dnata points on spending AED 100 at partnered hotels and travel bookings such as Emirates Holidays, MMI, and dnata Travel.*
    * Capped at 15,000 dnata points per year.
  • 5 dnata points for AED 100 spent at any duty-free store globally.
  • 38 dnata points for AED 1,000 spent on grocery purchases.
  • 38 dnata points for AED 1,000 spent on car insurance, and dealership expenses.
  • 15 dnata points for AED 1,000 spent on fuel, government services, and utility bills.
  • 15 dnata points for AED 1,000 spent on telecom bills.
  • 15 dnata points for AED 1,000 spent on education bills.
  • 15 dnata points for AED 1,000 spent on real estate.
• The primary member of this Emirates credit card can avail access to 10 VIP airport lounges across UAE, Jordan, Kuwait, KSA, and Egypt.
• The cardholder can avail up to 30% discount on hotel reservations made through Cleartrip Travel.
• The Emirates NBD credit card member can avail up to 15% off for booking next car rental in Africa, Asia, or the Middle East and 12% off in the USA, and Canada.
• The cardholder can avail a wide variety of MasterCard buy one get one free offer on premium dining and spas across the Middle East, and Africa thrice a month.
• The cardholder can avail purchase protection for eligible goods.
• The cardholder can convert their Emirates NBD credit card to convert any purchase into a monthly instalment plan at 0% interest rate.
• The cardholder can avail 3% discount on booking flight tickets (through Emirates NBD Travel).
• The cardholder can avail a 7% discount on booking holiday packages (through Emirates NBD Travel).
• The cardholder can avail a 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.
• The cardholder can instantly avail up to 50% of their dnata Platinum Emirates NBD credit card limit as cash.

c. 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:

• The member of the dnata Platinum ENBD credit card can avail access to the dnata loyalty program and earn dnata Points on purchase made with the card. The accumulated 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.
• The Emirates NBD credit card member can earn:
  • 2 dnata points on spending AED 100 for 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 at partnered hotels and travel bookings such as Emirates Holidays, MMI, dnata Travel etc.*
    * Capped at 15,000 dnata points per year.
  • 10 dnata points per AED 100 spent at 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 payment.
  • 20 dnata points per AED 1,000 spent on real estate.
• The cardholder can avail unlimited lounge access at 850+ airports around the globe.
• The cardholder can avail concierge services that offer the ENDB credit card owner with:
  • Up to 4 airport drops per year in the UAE.
  • Visit visa submissions at Dubai and Abu Dhabi airports 6 times a year.
  • Pick-up and delivery service for car registrations in Dubai & Abu Dhabi once a year.
  • Local courier facilities within the UAE 12 times a year.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The Emirates NBD card member can avail free round of golf at The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club, and Yas Links Golf Club twice per month.
• The cardholder can avail 10% discount on international round trip flight tickets booked through Cleartrip.
• The cardholder can avail 3% discount on booking flight tickets (through Emirates NBD Travel).
• The cardholder can avail a 7% discount on booking holiday packages (through Emirates NBD Travel).
• The cardholder can avail a 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East, and Europe.
• The Emirates NBD credit card member can avail up to 25% off on booking next car rental, as well as 10% off on Premium Chauffer services.
• The cardholder can avail complimentary night (on booking two nights) at over 175 Starwood Hotel & Resorts across Europe, Middle East, Asia, and Africa. The ENDB credit card member can also earn two complimentary nights on booking 4 nights.
• The cardholder can avail a wide variety of MasterCard buy one get one free offer on premium dining and spas across the Middle East and Africa. The offers are limited to 3 times per month.
• The cardholder can avail complimentary travel inconvenience and medical 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.
• The cardholder can instantly avail up to 50% of their dnata World Emirates NBD credit card limit as cash.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services 3 times a year.

d. 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:

• The primary Emirates NBD Skywards credit card member can earn an incredible amount of Skywards Miles. The accumulated Skywards Miles can be redeemed for availing discounts and upgrades on all Emirates domestic and international flights.
• The Emirates Skywards credit card members can earn:
  • 75 Skywards Miles per USD 1 spent on domestic retail purchases.
  • 1 Skywards Mile per USD 1 spent on international retail purchases.
  • 5 Skywards Miles per USD 1 spent on the emirates.ae.
• The primary Emirates Skywards credit card member can avail unlimited lounge access to 650+ airports around the globe.
• The cardholder can avail concierge services that offer the ENDB credit card owner with:
  • Up to 2 airport drops per year in the 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 the UAE 6 times a year.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The Emirates NBD card member can avail free golf round of 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.
• The cardholder can avail 3% discount on flight tickets (through Emirates NBD Travel).
• The cardholder can avail a 7% discount on holiday packages (through Emirates NBD Travel).
• The cardholder can avail a 30% discount on 2,000+ Bon Appétit restaurants in UAE, Middle East, and Europe.
• The cardholder can avail purchase protection.
• The cardholder can avail 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.
• The cardholder can instantly avail up to 50% of their Emirates NBD Skywards credit card limit as cash.
• The cardholder can use Emirates NBD credit card to convert any purchase into a monthly instalment plan at low-interest rates and tenors of 6, 12, 24, or 36 months.

e. 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:

• The primary Emirates NBD Infinite credit card can earn an incredible amount of Skywards Miles. The accumulated Skywards Miles can be redeemed for discounts and upgrades on all Emirates domestic and international flights.
• The Emirates NBD Infinite card member 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 at ae
  • Emirates NBD Infinite credit card member can opt for the Express Miles Program for a monthly fee of AED 250. The card member will get an additional 50% of the total miles earned on retail expenditure as Bonus Miles. Express Miles is capped at 4,000 per month. The member of the Express Miles program can enjoy a waiver on the annual membership fee for their Emirates NBD credit card.
• The primary Emirates Infinite credit card member can avail unlimited lounge access at 650+ airports around the globe for and can bring 1 guest along.
• The ENDB credit card can avail the following concierge services:
  • Up to 4 airport drops per year in the 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 the UAE 12 times a year.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The Emirates NBD card member can avail free golf round 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.
• The cardholder can avail a 3% discount on flight tickets (through Emirates NBD Travel).
• The cardholder can avail a 7% discount on holiday packages (through Emirates NBD Travel).
• The cardholder can avail a 30% discount at 2,000+ Bon Appétit restaurants in UAE, Middle East, and Europe.
• The cardholder can avail purchase protection.
• The cardholder can avail 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.
• The cardholder can instantly avail up to 50% of their Emirates NBD Infinite credit card limit as cash.
• The cardholder can use their 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.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services. Roadside assistance can be availed 3 times a year.

Reward Emirates NBD Credit Cards

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

a. Emirates NBD Diners Club Credit Card

• Eligibility: Minimum monthly salary of AED 8,000.
• Annual Membership Fee: AED 400
• Monthly Interest (Retail): 3.25%

Benefits:

• This Emirates NBD credit card offers automatic enrollment of the cardholder into the Plus Points Rewards program. The accumulated 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.
  • The member 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.
• The primary member of the ENBD credit card can avail 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.
• The cardholder can avail a 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.
• The cardholder can instantly avail up to 50% of their Diners Club credit limit as cash.
• The cardholder can avail complimentary travel insurance for trips no longer than 180 days.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services. Roadside assistance can be availed 2 times a year.

b. Emirates NBD Titanium Credit Card

• Eligibility: Minimum monthly salary of AED 5,000.
• Annual Membership Fee: AED 400
• Monthly Interest (Retail): 3.25%

Benefits:

• This Emirates NBD Titanium credit card offers automatic enrollment of the card member into the Plus Points Rewards Program. The accumulated 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.
• The Emirates NBD Titanium credit card member 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.
• The cardholder can avail free airport lounge access at 10 VIP lounges in UAE, Jordan, Egypt, KSA, and Kuwait.
• The cardholder can avail 40% off on 100+ golf courses around the globe, along with 15% off on golf equipment purchased through egolfmegastore.ae.
• The Emirates NBD Titanium credit card member can convert any purchase into a monthly instalment plan at 0% interest rate and tenors of 6-12 months.
• The cardholder can avail a wide variety of MasterCard buy one get one free offer on premium dining and spas across the Middle East and Africa. These can be availed 3 times a month.
• The cardholder can avail discount on car fares on booking Careem rides and 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.
• The cardholder can instantly avail up to 50% of their Emirates NBD Titanium credit card limit as cash.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services. Roadside assistance can be availed 3 times a year.

c. 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:

• This Emirates NBD Platinum credit card offers automatic enrollment of the card member into the Plus Points Rewards Program. The accumulated 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.
• The Emirates NBD Platinum credit card member 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.
• The cardholder can avail free airport lounge access to 10 VIP lounges in UAE, Jordan, Egypt, KSA, and Kuwait.
• The Emirates NBD Platinum credit card member can avail following concierge services:
  • Up to 2 airport drops per year in the UAE.
  • Visit visa submissions at Dubai and Abu Dhabi airports 4 times a year.
  • Pick-up and delivery service for car registration in Dubai, & Abu Dhabi once a year.
  • Local courier facilities within the UAE 6 times a year.
• The Emirates NBD card member can avail a free round of golf 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.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The cardholder can avail a wide variety of MasterCard buy one get one free offer on premium dining and spas across the Middle East and Africa. These are limited to 3 times per month.
• The cardholder can avail up to 30% discount on hotel reservations made through Cleartrip Travel.
• The Emirates NBD credit card member can avail up to 15% off for car rental in Africa, Asia or the Middle East and 12% off in USA and Canada.
• The cardholder can avail discounted car fares on Careem rides and Avis car rentals.
• The cardholder can avail 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.
• The cardholder can instantly avail up to 50% of their Emirates NBD Platinum credit card limit as cash.
• The Emirates NBD Platinum credit card member can convert any purchase into a monthly instalment plan at 0% interest rate and tenors of 6-12 months.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services. Roadside assistance can be availed 3 times a year.

d. Emirates NBD Visa Platinum Credit Card

• Eligibility: Minimum monthly salary of AED 15,000.
• Annual Membership Fee: AED 700
• Monthly Interest (Retail): 3.25%

Benefits:

• This Emirates NBD Platinum credit card offers automatic enrollment of the card member into the Plus Points Rewards Program. The accumulated 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.
• The Emirates NBD Platinum credit card member 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.
• The primary cardholder can avail free unlimited access at select airport lounges in the UAE.
• The Emirates NBD Platinum credit card member can avail the following concierge services:
  • Up to 2 airport drops per year in the UAE.
  • Visit visa submissions at Dubai, and Abu Dhabi airports 4 times a year.
  • Pick-up and delivery for car registration in Dubai, & Abu Dhabi once a year.
  • Local courier facilities within the UAE 6 times a year.
• The Emirates NBD card member can avail free round of golf 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.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The cardholder can avail purchase protection.
• The cardholder can avail 50% off on movie tickets for Sunday shows. Tickets must be booked online through VOX Cinemas. The benefit is capped at 10 tickets a month 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.
• The Emirates NBD Platinum credit card member can instantly avail 50% of their limit as cash.
• The Emirates NBD Platinum credit card member can convert any purchase into a monthly instalment plan at 0% interest rate and tenors of 6-12 months.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services. Roadside assistance can be availed 3 times a year

e. 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:

• This Emirates NBD Infinite credit card offers automatic enrollment of the card member into the Plus Points Rewards Program. The accumulated 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.
• The Emirates NBD Infinite credit card member 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.
• The primary Emirates NBD Infinite credit card member can avail free airport lounge access along with 1 guest at 1,000+ airport lounges across the globe.
• The Emirates NBD Infinite credit card member can avail the following concierge services:
  • Up to 4 airport drops per year in the 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 the UAE 12 times a year.
• The Emirates NBD card member can avail free round of golf The Track Meydan Golf Club, Address Montgomerie, Arabian Ranches Golf Club, Sharjah Golf and Shooting Club, and Yas Links Golf Club. This benefit is capped at twice a month.
• The cardholder can avail 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.
• The cardholder can instantly avail up to 50% of their Emirates NBD Infinite credit card limit as cash.
• The cardholder can avail purchase protection.
• The Emirates NBD Infinite credit card member can convert any purchase into a monthly instalment plan at 0% interest rate and tenors of 6-12 months.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing services thrice a year.

f. Emirates NBD Duo Credit Card

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

Benefits:

• This particular Emirates NBD credit card is available in Abu Dhabi only.
• The Emirates NBD Duo card member can avail the dual benefits of the Emirates Diners Club credit card and the MasterCard Emirates NBD Platinum credit card.
• The Emirates NBD credit card members can earn the following Plus Points:
  • 5 Plus Points on every AED 100 spent on groceries, electronics, utility bills, education bills, and fuel purchases.
  • 5 Plus Points on every AED 1,000 spent on all other expenses such as travel, dining, hotel reservations, and more.
• The cardholder can avail unlimited lounge access at over 800 airports across the globe.
• The cardholder can avail 2 complimentary airport transfers per year upon purchasing a flight ticket with the Diners Club ENDB credit card.
• The cardholder can avail access to a concierge service (once a year) for pick up and drop off service for car registration and servicing.
• The Diners Club Emirates NBD credit card member can avail 3 buy one get one free offer on movie tickets booked online through cineroyal.ae .
• The cardholder can avail a complimentary round of golf once a month at the Yas Links range in Abu Dhabi.
• The cardholder can avail 4 free valet parking services (for up to an hour) at Khalidiya Mall, Yas Mall, Yas Waterworld, and Ferrari World.
• The cardholder can instantly avail up to 50% of their Emirates NBD credit card limit as cash.
• The cardholder can avail purchase protection.
• The cardholder can avail complimentary roadside assistance that includes battery boosting, fuel delivery, and towing service twice a year.

Features & Benefits of Emirates NBD Credit Cards

The Emirates NBD credit card offers cardholders the opportunity to enjoy top of the line features and save like never before through a plethora of discounts and offers. Here are just some of the many biggest Emirates NBD credit card benefits:

No-Touch Payment

Also referred to as contactless payment, nearly every Emirates NBD credit card offers this feature. It makes payments quick and secure while protecting the card’s magnetic strip from wear and tear damage.

24/7 Support

Emirates NBD credit cards are lauded for their expertly trained customer support executives. Support facility is 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 enables the cardholder 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 the cardholder 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 the cardholder access to 50% of their credit limit as instant cash, which can be withdrawn from any ATM around the globe.

Protect Plus Insurance

It provides coverage to the ENDB credit card member in case of any unforeseen accidents that make them unable to pay off the outstanding amount. It covers loss of employment, death, permanent disability, and terminal illnesses.

Purchase Protection

In case of damage, loss or theft of new purchases, some of the ENDB credit cards offer the cardholder purchase protection. Applicable for purchases over USD 100, purchase protection refunds or replaces any stolen, lost or damaged eligible item purchased with the Emirates NBD credit card.

Benefits of Emirates NBD credit card.

Emirates NBD credit cards offer 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 enable the cardholder to earn points that can then be redeemed for lucrative cash back deals and even to waive the annual membership fee of the card itself.

Supplementary Cards

The Emirates NBD credit card member can easily apply for the supplementary card(s) for their eligible family members. Not only these cards come with a pre-defined spending limit, but every transaction with the supplementary card can also earn the primary cardholder loyalty points.

Flight Benefits

Emirates Skywards credit card is the perfect example of a card with flight benefits. The credit card enables the cardholder to accumulate Skywards Miles by making purchases with the card. In addition, the card also enables the cardholder 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 the cardholder with active and adventurous lifestyles.

Roadside Assistance

One of the best Emirates NBD credit card benefits is 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.

(Updated as of January 2019)

Emirates NBD Credit Card Eligibility

The cardholder can enjoy the many Emirates NBD credit card offers provided that they meet the eligibility criteria mentioned below:

Age

All Emirates NBD credit cards come with a minimum age requirement of 18 years. The applicants below the age of 18 years can apply for an ENDB credit card via a joint application, with a legal guardian as co-signer.

Employment

When applying for an Emirates NBD credit card, the applicant needs to provide salary statements for three months. The self-employed applicant applying for the Emirates NBD card needs to provide their trade license.

Minimum Monthly Salary

As mentioned before, every Emirates credit card comes with a minimum monthly salary requirement. The better the Emirates NBD credit card offers are, the higher the required minimum monthly salary will be.

UAE Residency

The applicant applying for an Emirates NBD credit card is required to be a resident of the UAE. He/she will be asked to provide valid ID and residency proof.

Credit History

Poor credit history can affect the Emirates NBD credit card In order to maintain a good credit history, the applicant needs to ensure that they pay their dues on time.

Emirates NBD Credit Cards by Salary

(Updated as of Jan 2019)

How to Apply for an Emirates NBD Credit Card?

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

The application for the 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 quick. With the right documents in hand, it can be completed within minutes. The documents required for applicants of  the Emirates NBD credit card to apply successfully are listed below:

1. Original and a copy of Emirates ID (for UAE nationals).
2. Original passport and copy.
3. Latest salary certificate.
4. Original bank statement (or mini ATM statement) for 3 latest months.
5. A security cheque.
6. For corporate Emirates NBD credit card, 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.

Note- For your very own Emirate NBD credit card, apply online or offline as per your preference.

Emirate NBD Credit Card Interest Rates

• Every Emirates NBD credit card charges two types of interest rates- retail interest rate, and cash advance interest rate.
• The retail interest rate is charged for any overdue amount left after the payment due date. This interest is charged for 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.

(Updated as of Jan 2019)

Emirates NBD Credit Card Charges

Besides the ENBD credit card annual fee, the cardholder may also incur other charges. It is important to check all the listed charges that can be levied on Emirates NBD credit card. Some of the most common Emirates NBD credit card charges are mentioned below:

• Late Payment Charge: For late payment, Emirates NBD credit card charge is AED 230.
• Over Limit Charge: For over limit, Emirates NBD credit card charge is AED 279.
• Card Replacement Charge: For replacement of the Go4it Emirates credit card, the Emirates NBD credit card charge is AED 50. 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 online.

How to Cancel an Emirates NBD Credit Card?

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

To request for cancellation, the cardholder is required to get in touch with the Emirates NBD credit card representative at 600540000. Once the card’s cancellation has been confirmed, the cardholder should destroy their Emirates NBD credit card and all Emirates NBD supplementary credit cards for security purposes.

Why Choose an Emirates NBD Credit Card?

The Emirates NBD credit card offers cardholder fantastic spending power and the ability to realize their financial aspirations like never before. Here 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 its invaluable contributions to the Middle East’s financial sector. In 2018, Emirates NBD was declared the Best Retail Bank in the Middle East by The Asian Banker and by Euromoney.

Customer Care

Every step taken by Emirates NBD is meticulously planned by keeping the needs of credit card members and applicants in mind. The Emirates NBD credit card customer care understands the applicant's financial expectations before suggesting the perfect Emirates NBD credit card. This relentless pursuit of customer satisfaction is for the entire rage of ENBD credit cards that offer some of the best deals in UAE.

Partnership Benefits

Be it relaxing in a luxurious couch in the Emirates Airlines first class cabin, or relishing mouthwatering international cuisine, every Emirates NBD credit card offers amazing benefits. The Emirates credit card offers are immaculately planned to offer cardholder some of the best in industry rewards.

Hard Work & Innovation

Emirates NBD strongly values passion and commitment in their employees. Being one of the financial industry giants of the Middle East- Emirates NBD is at the forefront of innovative and improved banking and investment strategies. Emirates NBD credit cards offer unique and exciting benefits to the credit card applicants looking for a bank that cares just as much about their financial goals as they do themselves.