Credit Card in UAE

Emirates NBD MasterCard Platinum Credit Card

Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

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Top Emirates NBD Credit Card

Emirates National Bank of Dubai (NBD) is one of the leading financial solutions providers in the UAE. The bank offers numerous useful banking products, including bank accounts, credit cards, loans, mortgages, wealth and insurance solutions, foreign exchange services and more for both individual and business customers.

The Emirates NBD MasterCard Platinum Credit Card is an exclusive credit card that offers exciting privileges and special perks to its cardholders. In addition to this, this Emirates NBD credit card provides an array of unprecedented offers to suit the lifestyle of its cardmembers.

Features of the Emirates NBD MasterCard Platinum Credit Card

Here are the major features that the Emirates NBD MasterCard Platinum Credit Card offers to the cardholders.

  • Contactless Payments- The cardholder can make contactless payments by using their phone or smartwatch. It is indeed a quick, secure, and convenient way to make payments. Not only does it ensure a high level of security but also entitles the cardholders to pay quickly & conveniently without using their credit card. Plus, it is accepted anywhere across the globe.
  • Easy Payment Plan (EPP) - This amazing feature enables its cardholders to split their huge credit card retail purchases made at selected vendors/merchants into monthly installments at a zero percent interest rate for a period of 6-12 months.
  • Auto Salik Top-Up - By activating this facility, cardmembers do not have to remember to recharge their Salik Account whenever their account balance reduces. They are just required to set up their Salik Auto recharge through mobile or online banking. After that, their card’s credit limit will be used to increase the top-up amount.
  • Interest-Free Days - Members of the Emirates NBD MasterCard Platinum Credit Card are given up to 55 no-interest days, provided the cardmembers continue to pay their outstanding balance in full by the due date of payment.
  • Flexible Payment Options - Cardholders can enjoy the convenience of paying as minimum as 5% of the outstanding amount every month. Afterward, they can carry forward the remaining balance to the billing statement of the next month. The cardmembers can choose to pay 5%, 10%, 25%, 50%, or 100% of their card outstanding amount each month.
  • SMS Alerts - This ENBD credit card feature combines security & convenience in one highly functional service. The real-time SMS alert feature of the Emirates NBD MasterCard Platinum Credit Card entitles the cardmembers to keep track of their expenses, withdrawals, offers and a lot more. Additionally, the cardmembers can immediately identify unauthorized use (if any).
  • 24-Hour Assistance - Members of this Emirates NBD credit card are provided with 24-hour assistance. They can call on the number +971 600 54 0000 at any time, any day for solving any sort of doubt/queries related to this credit card.
  • Protect Plus Insurance - With the ‘Protect Plus’ insurance, the cardholder can enjoy the spending power of the Emirates NBD credit card with the assurance that in the event of any unfortunate circumstances, the outstanding balance of the card will be taken care of. Cardmembers can enjoy 2 months of complimentary cover after paying a nominal rate on the credit card’s outstanding balance. Moreover, Protect Plus Insurance covers the following:
  1. Natural death
  2. Job Loss cover
  3. Critical Illness
  4. Permanent total disability
  5. Hospital cash benefit
  • DoubleSecure - With this feature, cardmembers can enjoy additional security when making an online purchase at any of the participating online merchants. They are just required to enter a ‘One-time Authentication Code’ when paying with this Emirates NBD credit card. The authentication code will be sent to the cardholder’s registered mobile number as well as the email address. In this manner, even if someone knows the credit card number, they will not able to complete the transaction without this authentication code. Thus, it ensures the absolute safety and security of the card.

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Benefits of Using an Emirates NBD MasterCard Platinum Credit Card

Here are the major benefits that the Emirates NBD MasterCard Platinum Credit Card offers to the cardholders.

  • Golf Benefits - With this Emirates NBD credit card, the cardholders can enjoy a maximum discount of 40% at more than 100 golf courses globally.
  • Shopping Benefits - The cardholders can shop from more than 100,000 US retailers such as Apple, Amazon and get reliable, quick and affordable international shipping with MYUS Premium Shipping.
  • Purchase Protection - All the products or goods that have been bought using the Emirates NBD MasterCard Platinum Credit Card are protected in case of accidental damage or theft for up to 180 days from the purchase date.
  • Visa Assistance - Emirates NBD MasterCard Platinum Credit Card members can apply for travel visa easily and quickly. Also, they can avail it for only US$15.
  • Complimentary Airport Lounge Access - Emirates NBD MasterCard Platinum Credit Card members can enjoy unlimited free access to more than 25 regional and international airport lounges in Jordan, KSA, UAE, Kuwait, Egypt and more.
  • Online Banking Services - Emirates NBD MasterCard Platinum Credit Card members can enjoy online access to the card account from anywhere in the world. It enables the cardmembers to see their card balance and transactions as well as assist them in making payments from their ENBD Account.
  • Mobile Banking Services - Emirates NBD MasterCard Platinum Credit Card members can easily access their mobile banking services using Emirates NBD Mobile App. They can download this app from any of the app stores and register themselves on the same to easily access all the banking products and services.
  • Instant Cash - Members of this ENBD credit card can withdraw a maximum of 50% of their total credit limit as instant cash at over 810,000 ATMs globally or any of the Emirates NBD branches worldwide displaying the MasterCard or VISA Logos.
  • Utility Bills Payment - Emirates NBD MasterCard Platinum Credit Card members can pay their Etisalat, DEWA & Empost (i.e. Emirates Post) bills online easily & conveniently using this Emirates NBD credit card.

Rewards & Offers of the Emirates NBD MasterCard Platinum Credit Card

This Emirates NBD credit card comes with the following offers and rewards:

Plus Points - Rewards Program

Cardholders can earn rewards in terms of ‘Plus Points’ on using this ENBD credit card for retail spending. They can earn up to 1.5% Plus Points on every AED 100 spent locally and internationally on using the Emirates NBD MasterCard Platinum Credit Card. They can then redeem these Plus Points for an annual fee waiver, participating vendors/partners, and frequent flyer miles from popular airlines or as cashback. Following is the number of ‘Plus Points’ that the cardmembers can earn in different categories:

Earned Plus Points (in %)

Category

0.4%

Groceries and Supermarkets spend

0.4%

Insurance and Car dealership related spend

0.2%

Petroleum, Utility Bill Payments, Real Estate and Education spends

 

Bon Appetit

The cardholder can enjoy a maximum of 30% off at 2000+ restaurants all over the UAE.

LiveWell Program

The cardmember can enjoy exclusive offers and a maximum discount of 50% at more than 500 Spas, Gyms, Medical & Wellness Centres and Salons under this program.

Holiday Packages & Air Tickets Discount

The cardholder can avail a discount of 3% on air tickets and a discount of up to 7% on holiday packages. These travel discounts can easily be accessed through the ENBD Travel Desk. Please note that the discount is applicable on the ‘Dnata’ base rate (excluding all the taxes & surcharges).

MasterCard Offers

Being a member of this Emirates NBD credit card, one can enjoy the following offers:

  • Discount with Cleartrip: The cardmember can enjoy 30% off (maximum) on booking any hotel or roundtrip international flight ticket with Cleartrip using the Emirates NBD MasterCard Platinum Credit Card.
  • MasterCard Buy one Get one Offers: Members of this Emirates NBD credit card can enjoy more than 900 offers at over 90 destinations & more than 600 merchants. All they need to do is download the MasterCard Buy 1, Get 1 mobile app to avail themselves of these exclusive offers.
  • Discounted rides with Careem: Cardholders can enjoy a 20% discount on three Careem rides every month when they travel across countries in the Middle East.
  • Farfetch: Cardholders can enjoy a discount of 10% on sitewide products. To enjoy this offer, the cardmembers can use the promo code MASTERCARD10.
  • Bicester Village Shopping: Cardmembers can enjoy access to:
  • A discount of 15% on shopping packages, shopping express, chauffeur drive experience at participating villages.
  • VIP lounges access.
  • VIP invitation (to be exchanged for a VIP card with an extra discount of 10% on purchases in participating boutiques).
  • Hotels.com Offers: Cardholders can enjoy a discount of 8% on hotel bookings via Hotels.com. They can use the ‘VISA8’ promo code to enjoy this exclusive offer.
  • Avis Car Rental: Being a member of this ENBD credit card, one can enjoy a maximum discount of 15% on their next car rental with AVIS. In addition to this, cardmembers can get a free upgrade with every car rental globally.

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Eligibility Criteria for Emirates NBD MasterCard Platinum Credit Card

Here are the eligibility criteria for the applicants to apply for Emirates NBD MasterCard Platinum Credit Card.

  • The applicants must be at least 21 years old in order to apply for Emirates NBD MasterCard Platinum Credit Card.
  • The applicants need to meet the minimum monthly income requirement of AED 12,000.
  • All UAE nationals and residents are eligible for Emirates NBD MasterCard Platinum Credit Card.
  • The applicants must have a good credit score to get their credit card application approved.

Documents Required to Apply For Emirates NBD MasterCard Platinum Credit Card

Applicants are required to submit the following documents to complete the Emirates NBD MasterCard Platinum Credit Card application:

  • Original and photocopy of a valid Emirates ID along with a copy of Passport for identification.
  • Latest salary certificate for salaried individuals.
  • Trade License for self-employed individuals.
  • Security Cheque (Signed).
  • Bank statements of the last three months.

Please note that additional documents may be required as per the bank’s sole discretion.

Fees & Charges on the Emirates NBD MasterCard Platinum Credit Card

Following are the fees & charges associated with this Emirates NBD MasterCard Platinum Credit Card:

Fees & Charges

Amount

Annual Membership Fees

AED 700

Monthly Finance Charges

3.25%

Cash Withdrawal or Advance Fee

AED 99 or 3% of the total amount (whichever is higher)

Late Payment Charge

AED 230

Over-Limit Charge

AED 279

Foreign Currency Transaction Charges

Non-AED purchases - 1.99%

AED purchases - 1.99%

Card Replacement Fees

AED 20

Charges on Return on Direct Debit or Cheque

AED 100

Insurance Fee

0.99% on the present balance within the billing period (initial 2 months free)

International Delivery Charge

AED 150 per credit card

0% Instalment Plan Fees

AED 49 (on each transaction)

Cancellation Fees

3% on principal outstanding or AED 250 (whichever is higher)

How to Apply for an Emirates NBD MasterCard Platinum Credit Card?

Here are the simple ways to apply for an Emirates NBD MasterCard Platinum Credit Card.

  • Online Banking: Emirates NBD allows applicants to access their funds using its Online Banking Portal. The applicants can use this portal to apply for an Emirates NBD MasterCard Platinum Credit Card. After logging into the portal, they need to fill up the online application form and upload all the necessary documents while submitting the application. 
  • Mobile Banking: Emirates NBD offers a unique mobile banking app for its customers. The applicants can download this app from their preferred app store and register themselves on the same. In the app, they can go to the credit cards section and apply for an Emirates NBD MasterCard Platinum Credit Card in just a few taps.
  • Visit a Branch: The applicants can visit an Emirates NBD bank branch to apply for an Emirates NBD MasterCard Platinum Credit Card. They need to fill up the application form at the branch and submit the same with all the essential documents. 
  • Call the Customer Support: With Emirates NBD, the applicants can call the full-time available help and support line to apply for their desired credit card. On the helpline, the bank representative takes the applicant’s request and helps them complete the remaining application process. 
  • Our Website: We at Policy Bazaar also help applicants apply for their chosen credit cards. The applicants can visit our website and go to the credit cards in UAE section to find a credit card that meets their financial preferences. The best part is that, on our website, the applicants can go through the detailed features and benefits of all the Emirates NBD credit cards, which help them make an informed decision. They can also call our helpline number if they need assistance, and our experts will guide them through the application process.

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FAQ's on Emirates NBD MasterCard Platinum Credit Card

Q1: What is 0% easy installment plan all about?

Ans: 0% easy installment plan is an ultimate feature of the card that enables you to split your credit card huge purchases made at participating vendors/outlets in monthly installments at no interest. Therefore, you can purchase anything that you want and then repay the amount in monthly installments for tenure of six to twelve months.

Q2: How many supplementary Emirates NBD MasterCard Platinum Credit Cards can be availed?

Ans: You can apply for up to 5 supplementary cards for the eligible family members. Please note that you and your supplementary card members will share a single credit limit.

Q3: What exactly is Emirates NBD DoubleSecure?

Ans: Emirates NBD “DoubleSecure” is basically a tool of online authentication that provides you absolute peace of mind every time when you make an online purchase at any of the participating “Verified” Visa or MasterCard merchant’s website by using the Emirates NBD credit card. The advance feature of Emirates NBD “DoubleSecure” ensures that only the cardholder can complete an online transaction using his/her credit card as it requires you to enter a “One-time Authentication code” sent to your registered mobile number or email address. Therefore, this feature protects your card from any sort of fraud online transaction.

Best of all, the member of this credit card can take advantage of this additional security feature at no cost.

Q4: How can I earn Plus Points and where can I redeem them?

Ans: You can earn Plus Points by using this Emirates NBD credit card for all local and overseas retail spends.  And then, you can redeem the accumulated rewards points for annual fees waiver, cash back, participating vendors/partners, or frequent flyer miles from the leading airlines.

Q5: What unforeseen events does Protect Plus Insurance cover through the Emirates NBD MasterCard Platinum Credit Card?

Ans: Protect Plus Insurance provides peace of mind to the card member by covering the below-mentioned unforeseen events:

  • Critical illnesses
  • Hospital cash benefit
  • Total disablement
  • Accidental death benefit
  • Job loss cover

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