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, 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.
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 –
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
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
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
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.
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
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
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 –
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.
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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