Emirates NBD Credit Cards

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 tailored to meet its customers' unique preferences and requirements. ...read more

Emirates NBD Credit Card in UAE
Emirates NBD Credit Card
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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.

Types of Emirates NBD Credit Cards

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 - 

Airmiles
Emirates NBD Skywards Infinite Credit Card Emirates NBD Mastercard Platinum Credit Card
Rewards
Emirates NBD Lulu 247 Titanium Credit Card Emirates NBD Lulu 247 Platinum Credit Card
Emirates NBD Visa Flexi Credit Card  
Points
Emirates NBD U by Emaar Family Credit Card Emirates NBD Marriott Bonvoy ®World Mastercard ®Credit Card
Emirates NBD dnata World Credit Card Emirates NBD U by Emaar Visa Infinite Card
Emirates NBD Etihad Guest Visa Elevate 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 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 NBD Skywards Signature Credit Card
Other Cards
Emirates NBD Etihad Guest Visa Inspire Credit Card  

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Standard Features of Emirates NBD Credit Cards

Listed below are the standard features of Emirates NBD credit cards – 

  • Contactless Payments: Nearly every Emirates NBD credit card offers a no-touch payment feature. This feature allows you to easily make purchases by simply tapping your card on a contactless–enabled terminal. Additionally, contactless payment systems have built-in safeguards (such as transaction limits) to enhance the security of transactions.
  • Round-the-Clock Support: With the bank’s expertly trained customer support executives available around the clock, you can have your queries or issues related to Emirates NBD credit cards resolved any day of the year through online live chats and via phone/text.
  • SMS Alerts: Each Emirates NBD credit card comes with an SMS alert feature. When you activate this feature, you will receive real-time SMS notifications on your registered phone number for any transactions made using your credit card
  • Online and Mobile Banking: The bank has a sophisticated and highly intuitive online banking platform, which enables you to access your Emirates NBD credit card account statement, conduct online transactions, and even request an increase in credit limit — no matter where you are!
  • Double Safety for Transactions: With Emirates NBD DoubleSecure, you can enjoy complete security when making online purchases with your Emirates NBD credit cards. The process is simple and free of charge — all you need to do is enter a one-time authentication code sent to your registered mobile number and email address. 
  • Reward Points for Spends: Almost all Emirates NBD credit cards offer some form of reward system. These reward points can be earned from a variety of spending categories including dining, shopping, travel, and entertainment. You can redeem them for various benefits such as cash back, travel vouchers, and purchases at specific stores.
  • Travel Perks: The majority of Emirates NBD credit cards come with travel-related benefits. This may include complimentary airport lounge access, complimentary airport transfers, discounts on bookings with selected partners, and the opportunity to earn airline miles.
  • Dining Discounts: Most of these credit cards offer significant discounts at selected restaurants. This can range from 20% to 30% off at thousands of restaurants across the UAE, making dining out more affordable and enjoyable.
  • Lifestyle Benefits: A variety of lifestyle benefits are associated with these credit cards such as free access to golf courses, complimentary movie tickets, and discounts on entertainment activities. Some cards also offer exclusive perks at particular brands and outlets.
  • Complimentary Insurance: A number of Emirates NBD credit cards provide complimentary insurance coverage. This may include travel insurance, purchase protection insurance, and, in some cases, job loss insurance.
  • Concierge Services: Several Emirates NBD credit cards come with complimentary concierge services. These services can assist you in various tasks related to travel arrangements, shopping, and dining reservations.
  • Balance Transfer Facilities: Some credit cards from Emirates NBD allow for balance transfers, which allows customers to consolidate their credit card debt and potentially reduce the interest they pay.
  • Unique Benefits: Each credit card from Emirates NBD has a unique feature that sets it apart. For instance, some cards offer points on fuel spend, while others offer bonus points for shopping at specific retailers. Some even double as transit cards, offering a convenient way to pay for transportation in Dubai.
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Features and Benefits of Emirates NBD Credit Cards

Let’s now take a look at the prominent features and benefits of the major Emirates NBD credit cards – 

Skywards Infinite Credit Card

Emirates NBD Skywards Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,575
  • Welcome Bonus
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits
  • Welcome offers include up to 100,000 Skywards Miles and Rotana Rewards membership.
  • Earn up to 2 Skywards Miles per USD spent.
  • Complimentary Emirates Skywards Silver membership available
  • Chance to earn up to 100,000 bonus Skywards Miles
  • Variety of Emirates benefits included
  • Access to Business Class Lounge via complimentary Emirates Skywards Silver membership upgrade
  • Skywards Miles can be earned on various spends.
  • Earn 2 Miles on Emirates, flydubai, duty-free, food delivery, and car booking apps.
  • Earn 1.5 Miles on international spends, and 1 Mile on domestic spends.
  • Chance to earn 50% more Skywards Miles via Skywards Express Miles program enrollment (monthly fee of AED 250 + 5% VAT).
  • Extra perks include unlimited complimentary access to over 1000 airport lounges globally via LoungeKey.
  • Complimentary access to top UAE golf courses
  • Concierge services and selected Abu Dhabi location valet parking included

Emirates NBD Mastercard Platinum Credit Card

Emirates NBD Mastercard Platinum Credit Card

Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee AED 735
  • Airport Lounge Access
  • Dining Discounts
  • Golf Benefits
  • Earn up to 1.5 Plus Points for every AED 100 spent.
  • Enjoy unlimited complimentary access to regional and international lounges in UAE, KSA, Jordan, Kuwait, Egypt, and so on.
  • Up to 30% discount at more than 2,000 UAE restaurants
  • Job loss cover of up to AED 60,000 for 12 months or until re-employment
  • Plus Points earned on various spends
  • Earn 0.4% points on supermarkets, groceries, insurance, and car dealership spends.
  • Earn 0.2% points for fuel, utilities, real estate, and education expenditures.
  • Unlimited complimentary access to over 25 regional and international airport lounges
  • Up to 40% discount at over 100 global golf courses
  • Save up to 30% on bookings with Cleartrip.
  • Enjoy exclusive offers and deals on travel, lifestyle, shopping, and more.

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Emirates NBD Lulu 247 Titanium Credit Card

Emirates NBD Lulu 247 Titanium Credit Card

Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Welcome offer of 0% interest on balance transfers with no processing fees (exclusions apply for TAB-sourced applications)
  • Earn LuLu Points on various spends: 3.5% on LuLu in-store and online, 2% on fuel, 1% on utility bills, and 0.35% on other spends.
  • LuLu Points can be redeemed at over 70 LuLu stores.
  • Complimentary lounge access to over 10 regional airports.
  • ‘Buy 1, Get 1 free’ on Vox Cinemas movie tickets (subject to at least AED 3,000 spent)
  • Special LuLu member benefits include priority checkout, early sales access, promotions, free LuLu online shipping, and other discounts.

Emirates NBD Lulu 247 Platinum Credit Card

mirates NBD Lulu 247 Platinum Credit Card

Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 262.5
  • Airport Lounge Access
  • Movie Discounts
  • Valet Parking
  • No minimum spend
  • Up to 7% back as LuLu Points on daily expenditures
  • Receive up to 500 welcome Bonus Points.
  • Enjoy buy-1-get-1 ticket offer at Reel Cinemas.
  • No minimum spending requirement
  • Earn LuLu Points: 7% on LuLu spends, 4% on fuel, 2% on utility bills, and 0.7% on other expenses.
  • Welcome offer includes 500 LuLu Points and 0% interest on balance transfers.
  • Option to redeem points at over 70 LuLu stores
  • Avail of special LuLu member benefits: priority checkout, early sale access, free shipping, and more.
  • Access to airport lounges via LoungeKey
  • ‘Buy 1 get 1 free’ at Reel Cinemas
  • Unlimited complimentary lounge access at over 25 airports
  • Concierge service for errand assistance
  • Free access to top UAE golf courses

Emirates NBD Visa Flexi Credit Card

Emirates NBD Visa Flexi Credit Card

Movie Discounts
  • Minimum Salary AED 15,000
  • Annual Fee AED 735
  • Movie Discounts
  • Hotel Discounts
  • Insurance
  • Earn 1.5% rewards on all retail spends via Plus Points.
  • Exclusive discounts on 4DX & Theatre by Rhodes at VOX Cinemas.
  • Up to 30% discount at over 2,000 restaurants across UAE
  • Free insurance for big-ticket purchases
  • 1.5 Points per AED 100 spent, 0.4% Points on groceries, insurance, car dealership spends, 0.2% Points for fuel, utilities, real estate, and education.
  • Enjoy up to 55 days of interest-free period on retail purchases, fees, and charges.
  • Complimentary access to more than 900 airport lounges worldwide
  • Complimentary 6-month Anghami subscription
  • Complimentary door-to-door luggage delivery via Dubz
  • Dragon Pass Spa & dining discounts plus movie discounts at Vox Cinemas
  • Concierge services are available for assistance
  • Complimentary airport transfers
  • Complimentary global WiFi access via Boingo
  • Up to 10% VAT cash back through UTU Plus
  • Complimentary Bidroom membership for hotel discounts
  • Complimentary golf rounds in the UAE
  • Access to special lounges in case of flight delays
  • Discounts on Careem Rides, Food Deliveries, and Cleaning Services
  • International medical assistance

Emirates NBD U by Emaar Family Credit Card

Emirates NBD U by Emaar Family Credit Card

Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • 30% discount on Emaar Attraction
  • Earn Upoints on various spends: 1% for all spends, 5x extra on Emaar spends, 25% base Upoints for grocery and supermarket spends, and 10% base Upoints for fuel, government services, and telecommunication payments.
  • Up to 30% discount on Emaar Entertainment Group activities, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink
  • ‘Buy 1, get 1 free’ on movie tickets at Reel Cinemas
  • 5% Upoints back on Emaar mall expenditures and dining or stays at Emaar Hospitality Group hotels and restaurants

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Emirates NBD Marriott Bonvoy World Credit Card

Emirates NBD Marriott Bonvoy World Credit Card

Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 1,575
  • Welcome Bonus
  • Airport Lounge Access
  • Golf Benefits
  • Flight bookings
  • VIP access
  • Welcome offer of up to 200,000 bonus points
  • Automatic upgrade to Marriott Bonvoy Gold Elite status with exclusive benefits
  • Enjoy free night stays at 7,300 hotels worldwide
  • 5 Elite Night credits and 1 free night on card renewal
  • VIP access to Marriott Bonvoy Moments
  • Earn Marriott Bonvoy Points on various spends: 6 points per USD 1 at Marriott Bonvoy hotels, 3 points per USD 1 on international and all other spends.
  • Earn up to 50% more points on retail purchases monthly via Express Points Programme* (AED 300 monthly fee)
  • Transfer points to over 40 airlines for flight bookings.
  • Unlimited complimentary access to over 1,000 airport lounges worldwide.
  • Complimentary access to golf courses across the UAE
  • Concierge services for time-consuming errands

Emirates NBD Dnata World Credit Card

Emirates NBD Dnata World Credit Card

Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 1,048.95
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits
  • Travel Discounts / Benefits
  • Receive travel vouchers worth AED 2,500
  • 10% back on Dubai Duty-Free with 0% forex fee
  • Enjoy free access to over 900 VIP airport lounges
  • Earn 15% dnata Points on dnata spends
  • Up to AED 2,500 worth of travel vouchers
  • AED 1,000 voucher upon the payment of the joining fee
  • Get an AED 1,500 voucher on retail spends of AED 25,000 within the first 3 billing statements.
  • 15% dnata points on Costa Coffee, City Sightseeing, Giraffe, and Dnata Travel
  • 10% points at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos, and Duty-Free shopping
  • Earn 2% points on all retail spending.
  • Complimentary access to more than 1,000 airport lounges worldwide via LoungeKey
  • Concierge services for handling time-consuming tasks
  • Complimentary access to top UAE golf courses
  • Valet Parking is available at select locations in Abu Dhabi.

Emirates NBD U by Emaar Visa Infinite Credit Card

Emirates NBD U by Emaar Visa Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,575
  • Welcome Bonus
  • Airport Lounge Access
  • Movie Discounts
  • Valet Parking
  • 1.5% back as Upoints on all spends and 5x for all Emaar spends
  • Complimentary valet parking at The Grand Parking in Dubai Mall
  • ‘Buy one, get one free’ ticket at Reel Cinemas with complimentary soft drinks and popcorn
  • Earn Upoints on spends: 7.5% on Emaar spends and 1.5% on all other spends
  • Redeem Upoints instantly at 2,500+ stores across various brands
  • Up to 25,000 Upoints welcome offer
  • Receive U By Emaar Platinum status
  • Enjoy 20% off on F&B and spas at Emaar Hospitality Group Hotels.
  • Complimentary suite upgrade on hotel stays
  • Up to 30% discount on entertainment at Emaar Entertainment Group
  • Complimentary access to 1,000+ airport lounges worldwide via LoungeKey
  • Concierge services for time-consuming errands
  • Complimentary valet parking at The Grand Parking and The Dubai Mall

Emirates NBD Go4It Platinum Credit Card

Emirates NBD Go4It Platinum Credit Card

Lifestyle Benefits
  • Minimum Salary AED 12,000
  • Annual Fee AED 208.95
  • Lifestyle Benefits
  • Movie Discounts
  • Insurance
  • Earn up to 5 Plus Points per AED 200 spent.
  • Exclusive Vox Cinemas offer: ‘Buy 1, get 1 free’ on movie tickets with special upgrades.
  • Complimentary rides on Dubai Ferry
  • Complimentary life insurance
  • Earn Plus Points: 5 points per AED 200 weekend spend, 4 points per AED 200 RTA spend, and 1 point per AED 200 weekday spend
  • Convert Plus Points to Frequent Flyer Miles or cash back
  • Access Gold Class on Dubai Metro with card payment
  • Option to use the card as a Nol card for Dubai Metro, RTA parking meters, buses, water bus stations, and RTA monthly pass
  • Exclusive price of AED 47.25 for two Vox Cinema tickets
  • Enjoy free Dubai Ferry rides

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Emirates NBD VISA Platinum Credit Card

Emirates NBD VISA Platinum Credit Card

Dining Discounts
  • Minimum Salary AED 12,000
  • Annual Fee AED 735
  • Dining Discounts
  • Insurance
  • Earn up to 1.5 Plus Points per AED 100 spent
  • Bon Appétit: Up to 30% off at over 2,000 UAE restaurants
  • Free insurance for large purchases
  • Earn Plus Points: 1.5 points per AED 100 spend
  • Earn 0.4% points on supermarkets, groceries, insurance, and car dealership spends.
  • Earn 0.2% points on fuel, utilities, real estate, and education spending.
  • Enjoy an interest-free period of up to 55 days for retail purchases.

Emirates NBD Mastercard Titanium Credit Card

Emirates NBD Mastercard Titanium Credit Card

Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee AED 420
  • Lifestyle Benefits
  • Airport Lounge Access
  • Golf Benefits
  • Travel Benefits
  • Get up to 1 Plus Point per AED 100 spent.
  • Complimentary access to over 10 VIP lounges
  • ‘Buy 1, get 1’ offers across Middle East & Africa's top brands and outlets.
  • Job loss coverage of up to AED 60,000 for 12 months
  • Earn Plus Points: 1 point per AED 100 spend.
  • Earn 0.4% points on supermarkets, groceries, insurance, and car dealership spends.
  • Earn 0.2% points on fuel, utilities, real estate, and education spending.
  • Complimentary access to over 10 regional airports
  • Up to 40% discount at over 100 global golf courses
  • Exclusive offers and deals on travel, lifestyle, shopping, and more

Emirates NBD U by Emaar Visa Signature Credit Card

Emirates NBD U by Emaar Visa Signature Credit Card

Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 262.5
  • Airport Lounge Access
  • Movie Discounts
  • Hotel Discounts
  • Earn 1.25% back as Upoints on general expenditures and get 5x Upoints on Emaar spends.
  • Get 6.25% back on spends at Emaar locations including Dubai Mall, Marina Mall, and Emaar Communities.
  • Complimentary access to 850+ global premium airport lounges
  • ‘Buy 1, get 1 free’ at Reel Cinemas
  • Earn UPoints: 6.25% on Emaar spends, 1.25% on other spends
  • Instant UPoints redemption at more than 2,500+ popular brand stores
  • Attain U By Emaar Gold Status
  • Enjoy 15% off on F&B and Spas at Emaar Hospitality Group Hotels.
  • Free suite upgrades on hotel stays
  • Up to 30% discount at Emaar Entertainment Group
  • ‘Buy 1, get 1 free’ offer on movie tickets at Reel Cinemas
  • Complimentary access to over 1,000 worldwide airport lounges via LoungeKey.

Emirates NBD Diners Club Duo Credit Card

Emirates NBD Diners Club Duo Credit Card

Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 840
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
  • Dual card benefits: Get both a Diners Club and Mastercard credit card
  • 5% rewards on groceries, electronics, utilities, education, and fuel
  • Exclusively for Abu Dhabi residents
  • Earn Plus Points: 5% on specified categories, 0.5% on travel, dining, hotels, and online.
  • ‘Buy 1, get 1 free’ offer on Royal Cinemas tickets
  • Unlimited global airport lounge access
  • Concierge services for time-consuming tasks
  • Free access to top UAE golf courses
  • Complimentary valet parking at select Abu Dhabi locations
  • Interest rate of 3.25% per month and a minimum payment of 5% or AED 100 (whichever is higher)

Emirates NBD Go4It Gold Credit Card

Emirates NBD Go4It Gold Credit Card

Cashback
  • Minimum Salary AED 6,000
  • Annual Fee AED 103.95
  • Cashback
  • Dining Discounts
  • Insurance
  • Up to 5 Plus Points for every AED 400 spent
  • Complimentary rides on Dubai Ferry
  • Free life insurance
  • Plus Points: 5 on weekend spends, 4 on RTA spends, and 1 on weekdays
  • Convert Points to Frequent Flyer Miles or Cashback
  • The card can function as a Nol card for Dubai Metro, RTA parking, buses, and water bus stations
  • Access to RTA monthly pass
  • Interest rate: 3.25% per month
    Minimum payment: 5% of the outstanding or AED 100, whichever is higher

Emirates NBD Dnata Platinum Credit Card

Emirates NBD Dnata Platinum Credit Card

Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 525
  • Lifestyle Benefits
  • Airport Lounge Access
  • Travel Discounts / Benefits
  • Introductory offer: Up to AED 1,000 travel vouchers
  • Up to 10% rewards for spends at dnata
  • Up to AED 1,000 in travel vouchers
  • Unlimited free access to over 25 regional and international airports
  • Up to 15% dnata Points on all spends
  • AED 500 voucher upon paying the joining fee
  • AED 500 voucher upon making retail spends of AED 10,000 or more in the first 3 billing statements
  • Earn dnata Points: 15% at Costa Coffee, City Sightseeing, Giraffe; 10% at dnata Travel, MMI, Al Hamra Cellar, Arabian Adventures, Le Clos; 5% at Duty-Free Shopping; 1.5% on all other retail spends
  • Unlimited complimentary access to over 25 airport lounges

Emirates NBD VISA Infinite Credit Card

Emirates NBD VISA Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,575
  • Airport Lounge Access
  • Valet Parking
  • Airport Transfer
  • Insurance
  • Unlimited access to over 1,000 lounges worldwide.
  • 4 free airport transfers per year within UAE.
  • Free insurance for big purchases
  • Earn Plus Points: Up to 2 points/AED 100 spend; 0.4% on supermarkets, groceries, insurance, car dealerships; 0.2% on fuel, utility bills, real estate, education
  • Unlimited lounge access via LoungeKey
  • Concierge services for errands
  • Valet parking at select Abu Dhabi locations

Emirates Skywards Signature Credit Card

Emirates Skywards Signature Credit Card

Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 735
  • Welcome Bonus
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits
  • Welcome offer of up to 40,000 bonus Skywards Miles.
  • Earn up to 40,000 bonus Skywards Miles
  • Up to 1.5 Skywards Miles per USD equivalent spent
  • Unlimited access to 1,000+ lounges in more than 300 cities via LoungeKey.
  • Earn Skywards Miles: 1.5 miles/USD 1 on Emirates, flydubai, duty-free, food delivery, and car booking apps; 1 mile on international spends; 0.75 miles on domestic spends.
  • Unlimited lounge access worldwide via LoungeKey
  • Free access to top UAE golf courses
  • Concierge services for errands
  • Valet parking at select Abu Dhabi locations

Emirates NBD Guest Visa Inspire Credit Card

Emirates NBD Guest Visa Inspire Credit Card

Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 735
  • Welcome Bonus
  • Airport Lounge Access
  • Valet Parking
  • Up to 7 Etihad Guest Miles per AED 10 spent
  • Receive up to 60,000 Etihad Guest Miles as a welcome bonus.
  • Attain Silver Tier status after completing one return flight.
  • Earn 7/4 Miles per AED 10 spent on specific/non-specific purchases.
  • Get a 25% discount on miles redemption for every AED 100,000 spent
  • Earn 2.5 Tier Miles per AED 10 spent, capped at 20,000 per year.
  • Free access to over 1,000 airport lounges worldwide
  • Assistance with time-consuming errands through concierge services
  • Complimentary valet parking at select locations in Abu Dhabi

Emirates NBD Credit Cards Minimum Salary, Annual Fees, and Interest Rates

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
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General Eligibility Criteria for Emirates NBD Credit Cards 

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 – 

  • Age:  All Emirates NBD credit cards come with a minimum age requirement of 18 years. The maximum age limit for UAE nationals is 65 years, while for expatriates, the maximum age is 63 years.
  • Monthly Salary: As mentioned before, every Emirates credit card comes with a minimum monthly salary requirement. Generally, the better the ENBD credit card offers are, the higher the required minimum monthly salary will be.
  • UAE Residency – You are required to be a resident of the UAE to apply for an Emirates NBD credit card. In addition, you will be asked to provide valid ID and residency proof.
  • AECB Score: A poor credit score can reduce the chances of the Emirates NBD credit card application being approved. Thus, you should try to have a good credit score, for which you can maintain a good credit history and pay your dues on time.

Your Emirates NBD credit card eligibility depends on the following criteria – 

  • Your Employment – Salaried or self-employed
  • Monthly Deductions (DBR)
  • Credit History

Documents Required to Apply for Emirates NBD Credit Cards

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 – 

  • A copy of Emirates ID and passport  (original documents must be presented to the bank)
  • Salaried individuals should submit their recent salary certificate
  • Self-employed individuals must present their trade licence
  • Last three months' original bank statements. Note that mini ATM statements can also work
  • Security cheque

To increase your Emirates NBD credit card limit, the following documents would be required – 

  • A copy of passport with visa page (original must be presented)
  • A copy of Emirates ID (original must be presented)
  • Salaried individuals banking with Emirates NBD are required to submit the latest salary certificate (not more than 1-month-old) and pay slip if the salary variance is more than 10%.
  • Non-salaried individuals with Emirates NBD have to present a salary certificate and pay slip, along with the recent three months' original bank statements.
  • Trade licence, memorandum of Association (MOA), and the recent three months' bank statements of the company are required to be submitted by the self-employed individuals.

For supplementary credit card application, submit the listed documents – 

  • Emirates ID and passport of the supplementary card applicant
  • Original primary credit card

Note: Apart from the documents mentioned above, the bank may require additional documents as per your profile and application. 

Fees and Charges Associated with Emirates NBD Credit Cards

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 – 

  • All fees and charges include Value Added Tax (VAT) or a similar sales tax. The bank may change these fees and charges, and the new amounts will apply from the date the bank specifies.
  • Finance or interest charges apply to all transaction types (retail purchases and cash advances) and are calculated from the transaction date to the repayment date based on the average daily balance. 

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.

  • The annual fee applicable to credit cards shall not be reversed if the card is activated, used, or cancelled.
  • An international transaction fee is charged in addition to the standard processing fee (around 1.15%) by Mastercard, Visa International, or Diners Club, and any markup fee charged by the acquirer. This fee is not applicable for dnata World Cards.
  • The interest rate may be different for each credit card holder.

How to Apply for Emirates NBD Credit Cards?

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

  • Continue on the official website of Policybazaar UAE, i.e., policybazaar.ae.
  • Select the ‘Credit Card in the UAE’ under the ‘Banking Products’ tab.
  • On the credit card quote page, locate your preferred Emirates NBD credit card.
  • Tap the ‘Apply’ button and follow the on-instruction steps.

Listed below are the major benefits of applying for a credit card via Policybazaar UAE – 

  • Policybazaar has partnered with the top insurers and banks of the UAE to bring the best options to you in one place
  • Easy-to-use interface
  • Round-the-clock customer  service
  • Simple application process
  • Exclusive offers and discounts on selected cards

Via Emirates NBD Official Website

  • Go to the official website of Emirates NBD.
  • Head to the credit cards section and select the credit card you want to apply for.
  • Locate the ‘Apply Now’ button on the page.
  • One of the concerned bank representatives will contact you and help you with the remaining process.

Via Emirates NBD Online Banking

  • Visit the official website of Emirates NBD and login into the online banking portal using your username and password.
  • Tap the ‘Digital Store’ at the top of the page.
  • Click on 'Credit Cards' followed by 'Cards'. Choose the 'Apply for Products' option.
  • Choose the required credit card.
  • Key in the details and click on the ‘Confirm’ button.
  • A representative of the bank will contact you within two working days and help you with the process.

Via Emirates NBD Mobile Banking

  • Install the Emirates NBD mobile application on your device.
  • Log in to the mobile application using the credentials.
  • Tap the three-line icon (hamburger icon) in the top left corner of the screen and select 'Credit Cards.'
  • Click ‘Apply for a card’ and choose 'Apply for a new credit card'.
  • Pick the credit card you want and proceed.
  • Fill in the necessary information and submit.
  • Expect a call from the bank within two business days to finalise the application process.

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.

How to Cancel an Emirates NBD Credit Card?

Keep the following pointers in mind while cancelling your Emirates NBD credit card – 

  • Make sure to redeem all your reward points before cancellation.
  • Close any ongoing instalment plans associated with your card, including balance conversions, balance transfers, and loans.
  • Settle any outstanding balances on your Emirates NBD credit card.

Here’s how you can cancel your Emirates NBD credit card – 

Via Mobile Banking

  • Sign into Mobile Banking.
  • Tap the three-line icon (hamburger icon) in the top left corner of the app.
  • Choose Requests > Contact Us > Send Us Feedback.
  • Select ‘Inquiries’ and the ‘Type of Inquiry’.
  • Enter your request and click ‘Send’.
  • After submitting your request, the bank will get in touch with you within 4 business days to process it.

Via Online Banking

  • Sign into Online Banking.
  • Click on ‘Online Advice’ and navigate to your Private Wall.
  • Choose the topic, type in your comment, and click Post.
  • After submitting your request, you can expect a call from the bank within 4 business days to process your request.

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.

Why Choose an Emirates NBD Credit Card?

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.

  • Firstly, the array of Emirates NBD credit cards available is extensive, ensuring that there is an ideal option for everyone. The bank offers cards designed to cater to different spending habits, reward preferences, and lifestyle requirements. 
  • Emirates NBD credit cards are known for their rewards programs. As mentioned before, you can earn cashback, reward points, or air miles based on your spending, which can be redeemed for various perks such as flight tickets, hotel stays, dining experiences, and shopping vouchers. By using a credit card for everyday purchases, you can accumulate substantial rewards over time, effectively turning your spending into savings.
  • Another compelling reason to opt for an Emirates NBD credit card is the exclusive access to premium benefits and privileges that come with it. These benefits include complimentary access to airport lounges, free travel insurance, and discounts on dining, entertainment, and shopping experiences. Some cards also offer golf privileges, valet parking, and 24/7 concierge services. These perks add significant value to the cardholder's experience, making the Emirates NBD credit card an essential companion for both leisure and business travellers.
  • Emirates NBD credit cards come with advanced security features that protect cardholders from fraudulent transactions and unauthorised access. These features include secure online payment platforms, mobile wallet compatibility, and contactless payment technology. Furthermore, Emirates NBD invests heavily in the latest cybersecurity measures to ensure the safety of its customers' personal and financial information.
  • In addition to the mentioned advantages, Emirates NBD is known for its excellent customer service. The bank offers round-the-clock customer support through various channels, such as phone, mobile, and online banking, ensuring that you have access to assistance whenever you need it. The bank's dedicated team of professionals is committed to providing personalised, efficient, and timely support to its customers, further enhancing the overall experience of using an Emirates NBD credit card.

Latest Emirates NBD Credit Card Offers

How can I track my Emirates NBD credit card application?

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.

How long do I have to wait to get my Emirates NBD credit card after the application submission?

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.

What are the benefits of having a credit card?

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.

 

How can I determine the points I can earn with my Emirates NBD credit card?

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.

What is the Emirates NBD credit card minimum salary requirement?

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. 

Is there any difference between cancelling and blocking an Emirates NBD credit card?

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.

Can I convert my reward points earned on my Emirates NBD credit card to cash?

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.

What are the eligibility criteria for the Emirates NBD credit card balance transfer facility?

You are required to meet the following criteria to avail of the Emirates NBD credit card balance transfer facility – 

  • Minimum transfer amount – AED 1,000
  • Should not exceed 90% of your credit limit
  • One balance transfer is available per card
  • Corporate, forex, prepaid, and WebShopper credit cards do not qualify for the benefit
  • Transfer from Emirates NBD group companies is not permitted
How can I track the rewards of my Emirates NBD credit card?

You can use the bank’s mobile or online banking portal to track the rewards of your Emirates NBD credit card.

What is ‘Points Adjustments’ on Emirates NBD mobile and online banking portals signify?

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.

Will I lose my reward points earned on my Emirates NBD credit card if my card is replaced?

If your card is replaced, your earned rewards won't be lost. Instead, they will be transferred to your new Emirates NBD credit card.

How can I dispute my Emirates NBD credit card transactions?

You can dispute your Emirates NBD credit card transaction by calling +971 600 54 0000.

How can I check my Emirates NBD credit card balance online?

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.

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