Emirates NBD Skywards Signature Credit Card

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.

Features & Benefits of Emirates NBD Skywards Signature Credit Card
Emirates NBD Skywards Signature Credit Card

The Emirates NBD Skywards Signature Credit Card has various amazing features and benefits that are as mentioned below:

  • Access to Airport Lounges: Card members do not need to worry either prior to boarding or after disembarking. They are offered unlimited access at above 1000 premium airport lounges in over 300+ cities across the globe through LoungeKey.
  • Concierge Desk Services: Cardholders get enrolled into the bank's concierge services automatically. The services included under concierge are as follows:
    • Picking-up and delivering the car in Abu Dhabi and Dubai for servicing and registration of the car once in a year.
    • Transfer from airports- Up to 2 airport drops in one year across the UAE.
    • Submission of the visit visa at the Abu Dhabi and Dubai airport- 4 times in a year.
  • Visa Benefits: Members of this ENBD Credit card can enjoy a wide range of benefits from VISA and they are as follows:
    • Medical and Travel Assistance: The cardholders can travel the world with peace of mind by knowing their elite status will keep them protected. Moreover, card members can enjoy the following services:
      1. Medical advice on telephone
      2. Medical service provider referral
      3. Legal referral
      4. Interpreter referral
      5. Medical evaluation & repatriation
      6. Monitoring medical condition pre and post hospitalization
      7. Delivery of essential equipments and medicines
      8. Dispatch of physician to a current location of the cardholder.
    • Worldwide Customer Assistance Services: This service is offered to cardholders for providing the personal support & top-class customer service during their travel so that they can make the most of their trip. Members can enjoy the following essential services:
      1. Emergency replacement of a card
      2. Emergency payment authorization
      3. Reporting of a lost or stolen credit card
      4. Emergency cash a maximum of USD 5000
    • Concierge Digital Services: Being a member of the Emirates NBD Skywards Visa Signature Credit Card, one can avail access to digital concierge channel along with email & telephone services.
    • Bicester Village Shopping Collection: It is a collection of luxury brand outlet villages which is offering the previous season’s collections of the leading lifestyle brands with a maximum of 60% discount on the recommended retail price. However, card members can also avail a VIP voucher for an extra 10% savings on purchases at any of the Bicester Village Shopping Collection locations across the Europe. Also, they can get 15% discount on the ticket price for the Shopping Express Luxury Coach service, chauffeur drive facility, and shopping packages.
  • Contactless Payment: Card members can make quick & convenient payments by using the contactless payments facility. They can utilize their Smartwatch or mobile phones for making fast and safe contactless payments with their ENBD credit card.
  • Easy Installment Plans: Using the easy installment plan (EPP) on this ENBD credit card, cardholder can shop for home décor, electronics, jewelry, and much more at the participating vendors and make payments in monthly installments at 0% rate of interest for up to 6 to 12 months.
  • Auto Salik Top-up: This ENBD credit card includes the option of setting up automatic Salik recharge through mobile or online banking as soon as the balances reduce. The credit limit on the card is used up to the extent of the amount of top-up.
  • Payment of Utility Bills: Cardholders can use this Emirates NBD credit card for paying their Etisalat, DEWA, and Emirates Post (Empost) bills online conveniently.
  • Instant Cash: Cardholders can avail the facility of instant cash in which they can avail an immediate access to 50% (at most) of the credit limit, in the form of cash using this Emirates NBD Credit Card at any of the bank branches or at 810,000+ ATMs with symbols of MasterCard or Visa throughout the globe.
  • Flexi Payment Options:This Emirates Credit Card offers its cardholders the facility to pay as small as 5% of the outstanding balance monthly & carrying forward the remaining balance to the following statement. Card members can choose to pay 5, 10, 25, 50 or 100% of the outstanding balance on their card every month.
  • Interest-free Period: The Emirates NBD Skywards Signature Credit Card offers the card members a duration of up to 55 days wherein the interest rate will not be levied. But, this facility is available only when the card members continue to make the full payment on their outstanding balance before the specified due date.
  • Online Access: Card members can enjoy online access to their card account from wherever they are. Through this online access, they can easily monitor their transactions and the balance on their cards and can also make payments using their ENBD account.
  • SMS Alerts: Cardholders receive alerts through SMS on each transaction they make using their credit card, so they can identify the unauthorized use (if any) immediately.
  • 24x7 Assistance: Members of this credit card can call at +971 600 54 0000 for any doubt or query related to their card at any time or any day of the year.
  • Complimentary 24x7 Roadside Assistance: This Emirates NBD credit card offers complimentary roadside assistance to the card members round the clock. It includes towing, recovery service, battery boost, and fuel delivery. The usage of these complimentary services has been limited to three times a year.
  • DoubleSecure: ENBD DoubleSecure is a security feature that allows the cardholder to shop at participating online merchants in the safest manner.

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.

  • Protect Plus Insurance: Members of the Emirates NBD Skywards Visa Signature Credit card are automatically enrolled in the Protect Plus Insurance where they can enjoy the spending power of their card with the assurance that in an event of unforeseen event, their card’s outstanding balance will be taken care of. The card member can enjoy 2 months free Protect Plus insurance cover and pay a nominal rate on their credit card outstanding balance thereafter. It covers critical illness, permanent total disability, job loss cover, death, and hospital cash benefit.
  • Multi-Trip Insurance: With this, cardholders and their families are automatically covered on all trips for duration of 90 days (maximum) so that they can make the most of their travel.
  • Purchase Protection: All the new items and products that have been purchased using this ENBD credit card are protected against the accidental damage or theft for up to 1 year from the purchase date.
  • Extended Warranty: Cardholders can enjoy the benefit of extended warranty. Under this benefit, the original warranty given by the manufacturer on the items bought using this Emirates NBD Skywards Visa Signature Credit Card doubles up automatically for up to one year. This way, card members can avail the extra protection.
  • Fraudulent Card Misuse Protection: The Emirates NBD Skywards Visa Signature Credit Card is protected against all kinds of fraud or unauthorized transactions that can be made by unknown 3rd parties. This insurance advantage will give reimbursement of a maximum of US$ 2500 per occurrence with US$ 4000 annual aggregate limit. 

Emirates NBD Skywards Signature Credit Card Offers & Rewards

Card members can enjoy the following offers and rewards:

  • Welcome Offer: Card members have the benefit of earning 40,000 Skywards miles (maximum).
    • Skywards miles worth 15,000 upon making the successful payment of joining fee.
    • Skywards miles worth 15,000 on spending of US$ 10,000 (minimum) within the initial 3 billing statements.
    • Skywards miles worth 10,000 on spending of US$ 3,750 (minimum) on the Emirates official website or at any of the sales office of Emirates in the UAE in the initial 12 billing statements. 
  • Rewards- Skywards Miles: The cardholder can earn a high amount of Skywards Miles on their everyday spends. The accumulated miles can be redeemed for availing broad range of rewards which includes flights with Emirates, flydubai & some other partnered airlines, shopping, upgrades on all Emirates domestic and international flights, hotel accommodation, and excursions. Following is the number of Skywards miles that the card member can earn in different categories:
    • 75 milesper USD 1 spent on local purchases.
    • Mileper USD 1 spent on international purchases.
    • miles per USD 1 spent on the Flydubai & Emirates spends.
    • miles per USD 1 spent on online food delivery spends, car booking apps, and duty free. 
  • Free 2-for-1 Deals with Entertainer: Members of this Emirates NBD credit card can enjoy 2-for-1 deals on entertainment, food, and shopping along with 500 travel discounted offers. All they need to download the Visa Offers MENA mobile app and register this credit card for enjoying these exclusive deals.
  • Golf Benefits: Cardholders can avail enhanced offers on golf with their Emirates NBD Skywards Signature Credit Card. They can enjoy free golf service at five leading golf courses around the UAE. The golf courses included in this benefit are-
    • Yas Links Golf Club
    • Arabian Ranches Golf Club
    • The Track Meydan Golf Club
    • Sharjah Golf & Shooting Club
    • Trump Golf Club

Please note that the card members can avail this free golf service two times a month.

  • Free Valet Parking: Cardholders can enjoy four free services of valet parking per month of one hour each at a few famous shopping malls including- 
    • Yas Waterworld
    • Yas Mall
    • Khalidiya Mall
    • Ferrari World

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.

  • Airport Dining Discount Program: Card members can enjoy exclusive discount on more than 200 restaurants worldwide, made up of key locations in MENA home markets as well as travel corridors. All they are required to download the DragonPass Dine & Travel mobile app and register their card to enjoy dining discounts. Please note that the discount might differ from one merchant to another. However, it will be display in the mobile app.
  • Agoda Offers: Cardholders can enjoy 12% discount on the Agoda hotels which are listed as “promotion eligible”.
  • Fairmont Offers: Members can enjoy 15% discount by staying 2 Nights at the participating Fairmont hotels.
  • Avis Car Rental: Being a member of the Emirates NBD Skywards Visa Signature Credit Card, one can enjoy the following discounted offers at AVIS Car Rental:
    • A maximum of 35% off on Standard rates.
    • A maximum of 30% discount on International Leisure rates.
  • The Entertainer: Card members can enjoy BOGO offers at selected merchants in the UAE, Qatar, Oman, Bahrain, KSA, Kuwait, Jordan, and Lebanon. In addition to this, they can get access to more than 5000 discounts on attractions and excursions in key travel destinations.
  • Bon Appetit Dining Program: Card members can avail an amazing experience in dining across the UAE by getting a discount worth 30% (maximum) at 2000+ restaurants. They are required to use their Emirates NBD Skywards Signature Credit Card when they visit the partner restaurants for Bon Appetit so as to enjoy an exclusive dining experience & discounts.
  • GoodTimes: Card members can avail a maximum of 50% discount on theme parks, indoor sports, marine attractions, and a lot more.
  • LiveWell: The Emirates NBD Skywards Signature credit card offers 50% discount (maximum) at over 500 salons, spas, gyms, medical & wellness centers, & much more.
  • Travel Discounts: Card members can enjoy a 3% off while booking airline tickets & a maximum of 7% off on the vacation package booking by using the travel desk of the bank through this c redit card in UAE. Such discounted offers will be applicable depending on the base rate mentioned by dnata, not considering the surcharges & taxes.

What is the eligibility criteria for applying the Emirates NBD Skywards Signature Credit Card?

The applicant must have a minimum monthly income of AED 15000 in order to be eligible for this Emirates NBD credit card.

Documents Required to Apply for this Emirates NBD Skywards Signature Credit Card

The documents which are required to apply for this Emirates Skywards Credit Card are as follows-

  • Emirates ID (original and a copy)
  • Password (copy) for Identification purpose.
  • Trade License (only for non-individuals)
  • Latest salary certificate (only for salaried individuals)
  • Bank statement of the last 3 months (if bank statements aren’t original, a mini statement printed from an ATM has to be submitted)
  • Security Cheque

Fees & Charges on Emirates NBD Skywards Signature Credit Card

Mentioned below are the Emirates NBD Credit Card Fees & charges- 

Fees Amount

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) 

FAQ's on Emirates NBD Skywards Signature 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.

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