Credit card payments should always be made on a regular schedule to save you money. This guide tells you when the best time is for you to make a payment.
The cardholders can avail rich rewards and exclusive benefits using this Emirates NBD Credit Card. This credit card also offers various MasterCard and SPG (Starwood Preferred Guest) benefits.
Written below are a few eminent features of this Emirates NBD credit card
Written below are a few exclusive benefits of this Emirates NBD Credit Card
The card members can avail free gold elite status at SPG which includes
The Emirates NBD Credit Card Benefits include free access to 650+ premium lounges in over 300 cities throughout the world.
The card members can also avail free concierge services that include
The cardholders can avail four free valet parking facility of one hour each at a few famous shopping malls in UAE.
This Emirates NBD Credit Card offers enhanced golf access these five golf courses in the UAE
This Salik Top-up facility recharges the cardholder’s account automatically with the amount specified when it gets reduced to the threshold of 30 AED.
The cardholders can avail a maximum discount of 30% at 2000+ restaurants in the UAE, Europe, and the Middle East.
The card members can avail a maximum discount of 50% at 500+ spas, gyms, medical and wellness centers, salons, etc.
This ENBD Credit Card offers a maximum discount of 50% across indoor sports, theme parks, exciting adventures, marine attractions and more.
This credit card offers a number of MasterCard Benefits
This Emirates NBD bank credit card offers various insurance benefits to the cardholders
Here are the reasons why this ENBD Credit Card is an ideal option for the applicants
Mentioned below are the Emirates NBD Credit Card Fees & charges:
|Annual Fees on Supplementary Cards||Nil|
|Monthly Interest on Retail Purchase||3.09 percent|
|Monthly Cash Advance Interest||3.09 percent|
|Cash Withdrawal/Advance Fee||99 AED or 3 percent of the total (whatever higher)|
|Over-Limit Charge||279 AED|
|Late Payment Charge||230 AED|
|Processing Fee on Foreign Currency||Non- AED purchases- 1.99 percentAED purchases- 1.99 percent|
|Card Replacement Charge||20 AED|
|Fee on Return on Direct Debit and Cheque||100 AED|
|Sales Voucher Copy Fee||10 AED|
|Fee on Paper Statement||5 AED (monthly)|
|Fee on Duplicate Statement (each copy)||15 AED monthly for previous 3 months and 45 AED subsequently|
|Insurance Fee||0.99 percent on the current balance in the billing cycle (first two months free)|
|0 percent Installment Plan Charge||49 AED (per transaction)|
|Cancellation Fee on Installment Plans or Balance Transfer or Conversion of Balance or Dial-A-Cheque||3 percent on the outstanding principal or 250 AED (whatever higher)|
|Fee on Delivery Charges Abroad||150 AED|
|Minimum Due Payment||100 AED or 5 percent (whatever higher)|
(These charges are applicable with effect from April 1st, 2019)
The applicant has different options to apply for this ENBD Credit Card-
The documents are required to apply for this Emirates NBD Credit Card are-
|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|
|Liv. World Credit Card||Liv. Platinum Credit Card|
|Emirates NBD U By Emaar Infinite Credit Card|
Q1: How can I make a request for replacement or new card?
Ans: To make an application for a new ENBD credit card, you can visit any one of the nearest branches of the bank. You can also schedule the appointment for which you need to do is share your contact details through the bank’s website, through their call center or through online banking. You can make a request for a replacement card using the 24/7 customer service of the bank or by using the mobile banking app.
Q2: What is the e-statement of a credit card and how can I register for the same?
Ans: E-statement of your credit card is the electronic version of your statement. This electronic statement is sent to you through your email ID just like the paper version of your statement. You can save, view or print the statement right through your computer.
All the existing cardholders are registered for e-statement of credit card automatically. The new cardholders can choose either paper statement or e-statement or both during the application for this Emirates NBD Credit Card. You can also subscribe for the e-statement facility by calling the call center of the bank on 600540000 or through their online banking portal.
Q3: What should I do if my credit card gets lost or stolen?
Ans: If in case your credit card gets stolen or lost, it is recommended that you immediately inform the bank regarding the same by calling their call center on 600540000 (inside UAE) and +971600540000 (outside UAE). The customer service executives of the bank are available 24/7. Informing the bank in time protects the cardholders from any unauthorized use of their card. A replacement card is provided to you by the bank. You can block as well as replace your credit card using our application for mobile banking.
Q4: What does the Payment Hierarchy mean? What is the order of payments on my credit card?
Ans: Payment hierarchy means the payment allocation on your card account. While making the payment on the credit card, payment hierarchy informs the bank that which part of your card charges is to be paid first.
The order of the payments on the credit card should be
Q5: How do I dispute any transaction on my Card Statement?
Ans: If you want to dispute any transaction that is charged to your credit card account on your account statement, notify it to the bank. This should be done in the written form within 30 days from the relevant account statement date.
Fill the cardholder dispute form along with the documents that Emirates bank considers pertinent to the disputed transaction. Report the related circumstances to carddispute[@]emiratesnbd[.]com.