The following article provides in-depth information on Emirates Islamic Bank auto debit credit card payments via both mobile and online banking methods.
Emirates NBD is one of the largest and most esteemed banks in the UAE, providing a diverse range of financial products and services to cater to the needs of individuals and corporate clients alike. Among its offerings is the Emirates NBD credit card, which boasts various features and benefits ...read more
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Emirates NBD, one of the largest and most esteemed banks in the UAE, provides a diverse range of financial products and services to cater to the needs of individuals and corporate clients alike. Among its offerings is the Emirates NBD credit card, which boasts various features and benefits tailored to meet its customers' unique preferences and requirements.
The bank strongly emphasises innovation and convenience, continually introducing new features to enhance its credit card offerings and provide a seamless banking experience for its clients. This article provides a comprehensive overview of Emirates NBD credit cards, detailing their features, benefits, rewards, eligibility criteria, and more.
As mentioned earlier, Emirates NBD offers a multitude of credit cards as well as a variety of rewards on them. These cards can be classified into three different categories based on the benefits they offer - Airmiles, Rewards, and Points.
Let’s take a look at each category in brief -
Listed below are the standard features of Emirates NBD credit cards –
Let’s now take a look at the prominent features and benefits of the major Emirates NBD credit cards –
Emirates NBD Skywards Infinite Credit Card
Emirates NBD Mastercard Platinum Credit Card
Emirates NBD Lulu 247 Titanium Credit Card
mirates NBD Lulu 247 Platinum Credit Card
Emirates NBD Visa Flexi Credit Card
Emirates NBD U by Emaar Family Credit Card
Emirates NBD Marriott Bonvoy World Credit Card
Emirates NBD Dnata World Credit Card
Emirates NBD U by Emaar Visa Infinite Credit Card
Emirates NBD Go4It Platinum Credit Card
Emirates NBD VISA Platinum Credit Card
Emirates NBD Mastercard Titanium Credit Card
Emirates NBD U by Emaar Visa Signature Credit Card
Emirates NBD Diners Club Duo Credit Card
Emirates NBD Go4It Gold Credit Card
Emirates NBD Dnata Platinum Credit Card
Emirates NBD VISA Infinite Credit Card
Emirates Skywards Signature Credit Card
Emirates NBD Guest Visa Inspire Credit Card
Tabled below are the currently available Emirates NBD credit cards along with their minimum salary, annual membership fees, and interest rates -
Emirates NBD Credit Card | Minimum Salary | Annual Fee | Monthly Interest Rate | Apply |
---|---|---|---|---|
Emirates NBD Skywards Infinite Credit Card | AED 30,000 | AED 1,575 | NA | Apply Now |
Emirates NBD Mastercard Platinum Credit Card | AED 12,000 | AED 735 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Lulu 247 Titanium Credit Card | AED 5,000 | Free for Life | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher | Apply Now |
Emirates NBD Lulu 247 Platinum Credit Card | AED 15,000 | AED 262.5 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Visa Flexi Credit Card | AED 15,000 | AED 735 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) Furthermore, an interest-free period is granted for up to 55 days on retail purchases |
Apply Now |
Emirates NBD U by Emaar Family Credit Card | AED 5,000 | Free for Life | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Marriott Bonvoy ®World Mastercard ®Credit Card | AED 25,000 | AED 1,575 | 3.25% | Apply Now |
Emirates NBD dnata World Credit Card | AED 25,000 | AED 1048.95 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD U by Emaar Visa Infinite Card | AED 30,000 | AED 1,575 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Etihad Guest Visa Elevate | AED 35,000 | AED 1,575 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Go4it Platinum Credit Card | AED 12,000 | AED 208.95 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD VISA Platinum Credit Card | AED 12,000 | AED 735 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) Additionally, an interest-free period is granted for up to 55 days on retail purchases |
Apply Now |
Emirates NBD Mastercard Titanium Credit Card | AED 5,000 | AED 420 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher | Apply Now |
Emirates NBD U by Emaar Visa Signature Card | AED 15,000 | AED 262.5 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher | Apply Now |
Emirates NBD Diners Club Duo Credit Card | AED 10,000 | AED 840 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Go4It Gold Credit Card | AED 6,000 | AED 103.95 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD dnata Platinum Credit Card | AED 8,000 | AED 525 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Visa Infinite Credit Card | AED 20,000 | AED 1,575 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
Emirates NBD Skywards Signature Credit Card | AED 15,000 | AED 735 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher | Apply Now |
Emirates NBD Etihad Guest Visa Inspire Credit Card | AED 15,000 | AED 735 | Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100 (whichever is higher) | Apply Now |
When considering an Emirates NBD credit card, it's crucial to note that the eligibility criteria can vary as per the specific card you choose. To help you understand the requirements, we've outlined some general eligibility criteria applicable to most cards, along with factors that may influence your eligibility. Keep in mind that individual card options may have additional or differing criteria, so always check the details for the card you're interested in.
Listed below are the general eligibility criteria –
Your Emirates NBD credit card eligibility depends on the following criteria –
With the right documents in hand, your Emirates NBD credit card application can be completed within a few minutes. Listed below are the standard documents that you would have to submit to apply for an Emirates NBD credit card –
To increase your Emirates NBD credit card limit, the following documents would be required –
For supplementary credit card application, submit the listed documents –
Note: Apart from the documents mentioned above, the bank may require additional documents as per your profile and application.
Tabled below are the fees and charges associated with Emirates NBD credit cards –
General Fees and Charges | |
---|---|
Payment due date (from the statement date) | 25 days |
Minimum payment dates | 5% or AED 100, whichever is higher |
Cash advance limit – a business card or others | 75 % / 50% of the credit limit |
Late payment fee (per month) | AED 241.50 |
Over limit fee (per month) | AED 292.95 |
Card replacement fee | Go4it Credit Card – AED 52.50 Other Emirates NBD Credit Cards – AED 21 |
Paper statement fee | AED 5.25 per month |
Other Fees and Charges | |
Credit shield pro insurance | 1.04% per month of the credit card outstanding |
0% instalment plan | AED 51.45 per transaction |
Instalment payment plan/balance conversion/ loan on card/balance transfer/ ALOC / 0% IPP | 0.29% - 1.99% flat monthly interest rate (0.53% - 3.46% reducing monthly interest rate) |
Cancellation fee - Instalment payment plan/balance conversion/ loan on card/balance transfer/ ALOC / 0% IPP | 1.05% of principal outstanding |
International transaction fee (purchased made in non-AED currency) | 1.99% |
International delivery charge per credit card | AED 157..50 |
Cheque or direct debit return fee | AED 105 |
Duplicate statement fee (per copy) | Up to last three months – AED 15.75 Over the last three months – AED 47.25 per month |
Sales voucher copy | AED 10.50 |
Issuance of supplementary credit card | Free |
Issuance of a secret PIN | Free |
Take note of the following points associated with the fees and interest rates –
If you pay 100% of your balance by the due date, you are not required to pay finance charges (except for cash advances). If your account has been past due at least twice in the last six months, the finance charge may increase by 0.5% per month. The charge will return to the normal rate if your account isn't past due more than once in the last six months.
You can easily apply for an Emirates NBD credit card online with the major options available – Policybazaar UAE, the bank's online website, mobile banking, online banking, phone banking, and by visiting the nearest branch.
Let's explore the step-by-step process for obtaining an Emirates NBD credit card through each of these channels.
Via Policybazaar UAE
Listed below are the major benefits of applying for a credit card via Policybazaar UAE –
Via Emirates NBD Official Website
Via Emirates NBD Online Banking
Via Emirates NBD Mobile Banking
Via Phone Banking
To apply for an Emirates NBD credit card, call +971 600 54 0000. When prompted, say 'apply for a credit card' and follow the instructed steps.
Via Offline Process
You can also visit your nearest physical branch of Emirates NBD before 2:00 pm with your original Emirates ID and other important documents, connect with a customer representative, and apply for your preferred Emirates NBD credit card.
Keep the following pointers in mind while cancelling your Emirates NBD credit card –
Here’s how you can cancel your Emirates NBD credit card –
Via Mobile Banking
Via Online Banking
Via Phone Banking
To cancel your Emirates NBD credit card, you can also call +971 600 54 0000 and say 'Cancel Credit Card' when prompted.
Emirates NBD credit cards stand out as an exceptional choice for individuals seeking a comprehensive and flexible financial instrument. Opting for an Emirates NBD credit card is a great decision for several reasons, including the variety of options to choose from and the numerous benefits that come with them.
You can easily track your Emirates NBD credit card application via online or mobile banking. Simply log into the portal and navigate to the credit card application status. Alternatively, you can call +971 600 54 0000 and say 'follow up on credit card application' when prompted.
Typically, Emirates NBD processes credit card applications within 7 to 10 business days. Once approved, you can expect your card to be delivered in 3 to 5 business days. For international deliveries, the timeline is usually 7 to 10 business days and a fee of AED 150 plus 5% VAT will be charged.
Credit cards are widely accepted for shopping and online purchases and make for a safer alternative to carrying a large amount of cash. Additionally, with a credit card, you have access to a month's worth of credit - as long as you pay your balance on time, there's no major cost involved. Furthermore, credit cards allow you to obtain cash advances from ATMs whenever needed, although it's necessary to be aware of associated fees and interest rates.
To calculate the points that you can accumulate using your Emirates NBD credit card, simply visit the respective credit card profile page and use the points calculator. This will help you estimate the points you can earn based on your card usage.
The lowest minimum salary requirement for an Emirates NBD credit card is AED 5,000. However, the salary requirements depend on the credit card you are applying for.
Cancelling your Emirates NBD credit card leads to the closure of your account, and you would be required to reapply for it if you need a new one. However, blocking a card allows you to unblock it later or request a replacement.
Remember that if your card is lost or stolen or if you suspect any fraudulent activity, you should immediately block it and arrange for a replacement.
Yes, it is possible to convert your reward points to cash which can be used to settle your Emirates NBD credit card bill. However, this benefit is only available with the RED and Plus points.
You are required to meet the following criteria to avail of the Emirates NBD credit card balance transfer facility –
You can use the bank’s mobile or online banking portal to track the rewards of your Emirates NBD credit card.
Points adjustments represent changes in your rewards balance due to either deductions or extra rewards earned. Deductions can take place when rewards earned from a specific transaction become invalid due to a refund or conversion into a 0% instalment plan. Additional rewards may be credited to your account during promotional events.
If your card is replaced, your earned rewards won't be lost. Instead, they will be transferred to your new Emirates NBD credit card.
You can dispute your Emirates NBD credit card transaction by calling +971 600 54 0000.
You can use the Emirates NBD mobile application to check your credit card balance. Alternatively, you can visit the official website and log into your credit card account to check your credit card balance.