The following article provides in-depth information on Emirates Islamic Bank auto debit credit card payments via both mobile and online banking methods.
Using the Emirates NBD Skywards Signature Credit Card, the cardholder can avail a variety of lifestyle and travel perks. In addition to this, this card enables its card members to earn Skyward Miles on their everyday spends and they can use these miles for a wide range of exclusive rewards. This credit card offers its cardholders a lot of banking services that help them in satisfying their various lifestyle needs.
The Emirates NBD Skywards Signature credit card has various amazing features and benefits that are as mentioned below:
Card members just have to enter a one-time authentication code when they make any transaction using this ENBD credit card. The authentication code will be sent as an SMS on the registered mobile number or the registered email address of the card member. This way, even if someone already knows the credit card number, they will not be able to complete the transaction without entering that authentication code.
Card members can enjoy the following offers and rewards:
Please note that the card members can avail this free golf service two times a month.
Members of this credit card just need to show their Emirates NBD Skywards Signature Credit Card on the location of valet service. For extra valet parking for each hour, they have to pay AED 30. These services are valid for a standard valet parking only and not for the VIP one.
The applicant must have a minimum monthly income of AED 15000 in order to be eligible for this Emirates NBD credit card.
The documents which are required to apply for this Emirates Skywards Credit Card are as follows-
Mentioned below are the Emirates NBD Credit Card Fees & charges-
|Annual Fees||AED 700|
|Annual Fees on Supplementary Cards||Nil|
|Monthly Interest on Retail Purchase||3.25 %|
|Cash Withdrawal/Advance Fee||AED 99 or 3% of the total (whatever is greater)|
|Over-Limit Charge||AED 279|
|Late Payment Charge||AED 230|
|Processing Fee on Foreign Currency||1.99%|
|Card Replacement Charge||AED 20|
|Fee on Return on Direct Debit and Cheque||AED 100|
|Insurance Fee||0.99% on the current balance in the billing cycle (first two months free)|
|0 percent Installment Plan Charge||AED 49 (per transaction)|
|Cancellation Fee on Installment Plans or Balance Transfer or Conversion of Balance or Dial-A-Cheque||3% on the outstanding principal or AED 250 (whichever is greater)|
|International Delivery Charges||AED 150/per card|
|Minimum Due Payment||AED 100 or 5% (whichever is greater)|
(Updated as on August 19, 2020)
|All Emirates NBD Credit Cards to Apply|
|Emirates NBD Skywards Signature Credit Card||Emirates NBD Dnata Platinum Credit Card|
|Emirates NBD Skywards Infinite Credit Card||Emirates NBD Manchester United Credit Card|
|Emirates NBD Visa Infinite Credit Card||Emirates NBD Webshopper Credit Card|
|Emirates NBD U By Emaar Visa Credit Card||Emirates NBD Go4it Platinum Credit Card|
|Emirates NBD Mastercard Titanium Credit Card||Emirates NBD Go4it Gold Credit Card|
|Emirates NBD Visa Platinum Credit Card||Emirates NBD Marriott Bonvoy World Mastercard Credit Card|
|Emirates NBD Diners Club Credit Card||Emirates NBD Mastercard Platinum Credit Card|
|Emirates NBD Dnata World Credit Card||Emirates NBD Duo Credit Cards|
|Emirates NBD Lulu 247 Mastercard Platinum Credit Card||Emirates NBD Lulu 247 Mastercard Titanium Credit Card|
|Emirates NBD U By Emaar Signature Credit Card||Emirates NBD U By Emaar Family Credit Card|
|Emirates NBD U By Emaar Infinite Credit Card||Liv. World Credit Card|
|Liv. Platinum Credit Card|
Q1: What does the 0 percent Installment Plan on my credit card mean?
Ans: You can avail this plan using your Emirates NBD Skywards Signature Credit Card to convert the large purchases you have made on your card at a few select outlets into easy monthly installments at zero interest. This facility is available only with the participating partners. You can immediately convert the purchases you have made into these installments using any 1 of the channels of the bank which are mobile banking, online banking or at the Point of Sales. A certain amount of fee that is determined by Emirates NBD is applicable in that period.
Q2: When do my miles earned get transferred to my Emirates NBD Skywards Signature Credit Card Account?
Ans: The earned base miles for the transactions done in one statement cycle will be transferred to the Skywards account linked between the 25th & 30th of that month which occurs following the statement cycle. The bonus miles will get transferred in three weeks of statement date.
Q3: What does Protect Plus Cover on my card mean?
Ans: This insurance facility on your Emirates NBD Skywards Signature Credit Card is the enhanced insurance privilege that offers protection from the obligation of making the payment of the amount outstanding on your card in the case of unfortunate events. This insurance facility also provides cash benefits to the cardholder’s family in case of hospitalization or accidental death. The events covered under this benefit are cover for involuntary job loss, critical illness, total disability, accidental death benefit, cash benefits at hospitals.
Q4: What does an e-statement on my credit card mean?
Ans: The e-statement on your credit card is the electronic form of your statement. You will receive this e-statement on your e-mail with the same frequency at which you receive the paper statement. You can save, view as well as print the statement through your computer. You have to pay no charges on this statement. Being digital, it is environment-friendly and also saves you from the hassle of organizing paper statements. This e-statement is sent to the e-mail ID registered to the records of the bank in the PDF format.
Q5: What portion of the credit limit am I allowed to utilize for cash advance?
Ans: As a card member, you can withdraw cash as instant cash equal to the 50% of the credit limit assigned to your Emirates NBD Skyward signature credit card by the bank. This cash facility can be availed using the ATM machines, mobile banking as well as through online banking. A fee on cash advance is charged in order to avail this facility.