Emirates NBD (ENBD) 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. 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 that offers the different kinds of financial products. One such product is credit card.

Emirates NBD offers a wide range of credit cards such as lifestyle, travel, and rewards credit cards to meet the diversified needs of its customers.  The  ENBD credit cards offer incredible benefits ranging from discounted fares on tickets of the world-renowned Emirates airline to promotions on dining, luxury shopping and much more. In short, the Emirates credit card owner can truly enjoy a rewarding experience.

Types of Emirates NBD Credit Card

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

Reward Emirates NBD Credit Cards

• Emirates NBD U By Emaar Visa Infinite Credit Card
• Emirates NBD LuLu 247 Platinum Credit Card
• Emirates NBD Visa Flexi Credit Card
• Emirates NBD LuLu 247 Mastercard Titanium Credit Card
• Emirates NBD U By Emaar Family Credit Card

Travel Emirates NBD Credit Cards

• Emirates NBD Skywards Infinite Credit Card
• Emirates NBD Marriott Bonvoy World Credit Card
• Emirates NBD dnata World Credit Card

Lifestyle Emirates NBD credit cards

• Emirates NBD Go4it Platinum Credit Card

Top Features of Emirates NBD Credit Card 

The Emirates NBD credit card offers its cardholders the opportunity to enjoy top of the line features. Here are just some of the eminent  ENBD credit card features:

• No-Touch Payment - Also referred to as contactless payment, nearly every Emirates NBD card offers this feature. It makes payments quick and secure while protecting the card’s magnetic strip from wear and tear damage.
• SMS Alerts - This security feature comes with all NBD credit cards. Cardholders get SMS alerts on every transaction made on their ENBD credit card so that they can identify any kind of unauthorized use immediately.
• 24/7 Support - 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.
• Installment Plans - Nearly all of the NBD credit cards come with an optional easy installment plan feature. This gives the cardholder additional spending power, by converting any large amount transaction into easy to pay monthly instalments at participating merchants at 0 % interest for tenors of up to 12 months.
• On-the-Spot Cash -  All the  ENBD 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 NBD credit card.

Benefits of Emirates NBD Credit Cards 

ENBD credit cards offer a wide range of benefits, some of which are listed below:

• Supplementary Cards - The 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 ENBD credit 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 and class.
• Travel Advantages - From complimentary hotel stays and room upgrades to discounts on gourmet meals and travel insurance, the travel range of ENBD credit card offers fantastic benefits to the cardholder with active and adventurous lifestyles.
• Roadside Assistance - One of the best ENBD credit card benefits is roadside assistance. The services include changing flat tyres, battery boosting, fuel delivery, and towing.
• Golf Benefits - Majority of the ENBD credit card enable its card members to enjoy a free round of golf at some of the leading golf courses in the UAE such as The Track Meydan Golf Club, Trump Golf Club, Yas Links Golf Club, Arabian Ranches Golf Club, and Sharjah Golf & Shooting Club.
• Complimentary Valet Parking - Nearly all the ENBD credit card offers a maximum of 4 free valet parking services in one month at popular shopping malls within the UAE such as YAS Mall, Khalidiya Mall, Ferrari World, and Yas Waterworld.
• Salik Auto Top-Up - All the NBD Credit Cards includes the option of setting up automated Salik recharge through online banking or mobile as soon as the balance reduces. The ENBD credit card limit is used up to the extent of top-up amount.

Emirates NBD Credit Card Offers & Rewards

Following are the offers & rewards provided on the Emirates NBD Credit Cards:

• Reward Programs - Many of the Emirates NBD credit cards enroll the cardholder into a loyalty program. These loyalty programs enable the cardholder to earn reward points by spending on their ENBD credit card. Then the accumulated reward points can be redeemed for lucrative offers and deals and even to waive the annual membership fee of the card itself.
• Bon Appetite Dining Program - All the Emirates NBD cards offer an exclusive discount of a maximum of 30% at more than 2000 Bon Appetite restaurants within the UAE.
• LiveWell - Every ENBD credit card offers a maximum of 50% off at more than 500 spas, salons, medical & wellness centers, gyms, and a lot more.
• GoodTimes - Nearly every Emirates NBD card offers as high as 50% off across indoor sports, theme parks, exciting adventures, marine attractions, and a lot more.
• Travel Discounted Offers - ENBD credit card enables its card members to enjoy 3% off on flight tickets and a maximum of 7% off on holiday packages to turn their travel dreams into reality. Moreover, these travel discounted offer can be availed through the ENBD Travel Desk.
• Discounted Ride with Careem - Many of the Emirates NBD card offers up to 20% off on three Careem rides every month.
• Buy One Get One (BOGO) offers - The majority of the high-end ENBD credit cards offer wide range of buy one get one offers on entertainment, food, and shopping that can availed by downloading the Mastercard buy one get one mobile app.

Eligibility Criteria for Emirates NBD Credit Card

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

• Age - All Emirates NBD 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 ENBD 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 ENBD credit card offers are, the higher the required minimum monthly salary will be.
• UAE Residency - The applicant applying for an Emirates NBD 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 reduce the chances of the Emirates NBD credit card application approved. In order to maintain a good credit history, the applicant needs to ensure that they pay their dues on time. If your credit history is good you can also apply for a loan on credit card from Emirates NBD.

How to Apply for an Emirates NBD Credit Card?

Applying for an Emirates NBD credit card is as simple as 1-2-3. Interested applicants can apply for the ENBD credit card online or offline as per their preferences.  

Document Required to Apply for Emirates NBD Credit Card

The application for the ENBD credit card can be initiated either by visiting nearest Emirates NBD 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 a matter of few minutes only. Listed below are the required documents that applicants need to submit in order to apply for the credit card:

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 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.

Emirates NBD Credit Card Fees & 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 NBD credit card charges are mentioned below:

• Late Payment Charge: For late payment, Emirates NBD card charge is AED 230.
• Over Limit Charge: For over limit, ENBD credit card charge is AED 279.
• Card Replacement Charge: For replacement of the Go4it Emirates credit card, the 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 ENBD credit card charges can be found online on the official website of Emirates NBD.

Emirates NBD Credit Card Minimum Salary, Annual Fees & Interest Rates

Given below is a comprehensive list of all the currently available ENBD credit cards and their minimum salary, annual membership fees, and interest rate:

(Updated as of September 2020)

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 ENBD credit card representative at 600540000. Once the card’s cancellation has been confirmed, the cardholder should destroy their ENBD credit card and all Emirates NBD supplementary credit cards for security purposes.

Why Choose an Emirates NBD Credit Card?

The Emirates NBD 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 ENBD credit cards enjoy such massive popularity in UAE:

Recognized Excellence

Emirates NBD have 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 ENBD 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 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. ENBD 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.

FAQ's