Emirates NBD Visa Infinite Credit Card

The Emirates NBD Visa Infinite Credit Card is one of the best credit cards that provide a wide range of amazing benefits, personal privileges, modified services, and amazing offers to suit one’s lifestyle. This Emirates NBD credit card stands out from the rest due to its incomparable benefits and features.  Best of all, it offers “Plus Points” that can easily be redeemed against air tickets, annual fee waiver, and cashback.

Features & Benefits of the Emirates NBD Visa Infinite Credit Card
Emirates NBD Visa Infinite Credit Card

Following are the main features & benefits of this Emirates NBD credit card that make it one of the best credit cards in the UAE:

Complimentary Airport Lounge Access

Members of this ENBD credit card as well as one accompanying guest can enjoy unlimited access to more than 1000 leading airport lounges in 300+ cities across the globe. This offer is applicable to all airlines as well as travel classes. The cardholder is simply required to present this Emirates NBD Visa Infinite credit card at the reception of any of the participating Lounge key Program airport lounge for instant entrance and enjoying this amazing privilege.

Concierge Services

Cardholders can enjoy several luxurious concierge services offered by the expert’s team in Dubai & Abu Dhabi. These complimentary services are as follows:

  1. Airport Transfers – Up to 4 drops in a year across the UAE.
  2. Visit Visa submission at Dubai & Abu Dhabi Airport 6 times in one year.
  3. Courier service (local) within the United Arab Emirates up to 12 times in a year.
  4. Pick up & delivery of the car in Dubai & Abu Dhabi for ‘Car Servicing & Car Registration’ one time in a year.

Golf Benefits

The cardholder can enjoy complimentary golf at the top 5 leading golf courses in the UAE. Below-mentioned are the golf courses:

  1. Yas Links Golf Club
  2. The Track Meydan Golf Club
  3. Arabian Ranches Golf Club
  4. Sharjah Golf & Shooting Club
  5. Trump Golf Club

Please note that card members can enjoy this free golf service two times a month only.

Visa Benefits

Cardholders can avail a broad range of visa benefits and they are as follows:

  • Medical and Travel Assistance: Emirates NBD Visa Infinite credit card members can travel the world knowing their elite status will keep them protected. Moreover, they can get the following services:
    • Legal referral
    • Medical advice on telephone
    • Delivery of essential equipments and medicines
    • Medical service provider referral
    • Interpreter referral
    • Medical evaluation & repatriation
    • Monitoring medical condition pre and post hospitalization
    • Dispatch of physician to a current location of the cardholder.
  • Worldwide Customer Assistance Services: This service is provided to card members for giving them the personal support & top-class customer service during their travel thereby offering the following essential services when they require it the most:
    • Emergency replacement of a card
    • Emergency payment authorization
    • Reporting of a lost or stolen credit card
    • Emergency cash of USD 5000 (maximum)
  • Concierge digital services: The cardholder can get access to concierge digital services in addition to telephone and email service.

Contactless Payments

The Emirates NBD Visa Infinite credit card allows its card members to make contactless payments by using their phone or smart watch. Without any doubt, contactless payments are secure, convenient, and take barely a few seconds. It ensures a high level of security and accepted anywhere, making easy for the card member to pay quickly and conveniently with their Emirates NBD credit card.

Complimentary Valet Parking

Card members can enjoy 4 free valet parking services of one hour at some specific shopping malls. They are just required to present this credit card at the location in order to enjoy the valet service. Following are the locations:

  1. Main entrance of the Yas Mall
  2. Main entrance of the Khalidiya Mall
  3. Main entrance of the Yas WaterWorld
  4. Main entrance of the Ferrari World

Easy Installment Plans

This Emirates NBD credit card allows its cardholder to make a big purchase irrespective of being tensed about paying in one go. Card members can use the easy instalment plan scheme where they can convert their big purchases into easy to pay monthly installments at no interest rate for tenure of 6-12 months.

Salik Auto Top Up

By enabling this facility, cardholders don’t have to remember to recharge their Salik Account whenever their account’s balance reduces. They just need to set up their Salik Auto recharge either through online or mobile banking. Thereafter, the credit limit of the credit card will be utilized to increase the top up amount.

Payment of Utility Bills

With Emirates NBD Visa Infinite credit card, card members can easily pay their DEWA, Etisalat, and Empost (i.e. Emirates Post) bills online in a hassle-free manner.

Interest-Free Days

The Emirates NBD credit card provides the cardholder a maximum of 55 interest-free days, provided the cardholders continue to pay their outstanding balance in full, by the payment due date.

Flexible Payment Options

Card members of Emirates NBD credit card can enjoy the flexibility to pay as little as 5% of the outstanding amount each month. And then, they can carry forward the remaining balance to the next month’s billing statement. However, the cardholder has an option to pay 5%, 10%, 25%, 50%, or 100% of their card outstanding amount every month.

Instant Cash

The card members can get access to up to 50% of their total credit limit as instant cash at more than 810,000 ATMs worldwide or any bank branch around the globe displaying the VISA or MasterCard Logos.

SMS Alerts

This Emirates NBD credit card feature combines convenience and security in one highly-functional service. Real-time SMS alert feature of this credit card allows the cardholders to keep track of their each expenditure, offers, withdrawals, and more. In addition to this, the cardholder can identify unauthorized use (if any) immediately.

24-Hour Assistance

Card members of Emirates NBD Visa Infinite credit card are given 24-hour assistance. They can call on +971 600 54 0000, 24 hours a day, 365 days a year for resolving any kind of queries and doubt related to this Emirates NBD credit card.

Online banking Access

The card member can enjoy online access to the card account from anywhere in the world. It allows the cardholder to monitor their card balances and transactions as well as help them to make payments from their Emirates NBD Account.

Free 24x7 Roadside Assistance

Emirates NBD credit card offers hassle-free roadside assistance that includes towing, recovery service, battery boost, and fuel delivery. The card member can enjoy this complimentary service 3 times a year.

DoubleSecure

With this, card members 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 an 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.

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 situations, the outstanding balance of the card will be taken care of. Members of the card can enjoy 2 months complimentary cover after paying a nominal rate on the outstanding balance of the credit card. 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

Extended Warranty

All the new items or products that have been bought using this ENBD credit card may be eligible for the benefit of an extended warranty. Basically, an extended warranty benefit doubles the original manufacturer’s warranty for a maximum of one year so that the cardholder can enjoy the extra protection.

Purchase Protection

This Emirates NBD credit card offers coverage for newly purchased items, stating that any newly brought item that is lost, stolen, or damaged is eligible to be reimbursed or replaced.

Fraudulent Card Misuse Protection

This Emirates NBD 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$ 3000 per occurrence with US$ 5000 annual aggregate limit.

Multi-Trip Travel Insurance

This card offers multi-trip travel insurance to its card members. Here are the coverage details:

  • Personal accident benefits for a maximum of USD 500,000 (international).
  • Personal accident benefits for a maximum of USD 100,000 (local).
  • Hospital daily cash $100/per day for a maximum of USD 3000.
  • Emergency medical expenditures for a maximum of USD 1,000,000.
  • Repatriation & evacuation expenditures for a maximum of USD 500,000.
  • Delayed departure for a maximum of USD 1000.
  • Trip cancellation or curtailment for a maximum of USD 7500
  • Personal belongings loss for a maximum of USD 2500.
  • Delayed baggage for a maximum of USD 500.

*Please note that it covers the primary cardholder, spouse, and 5 children (maximum), age limit of 80 for all people.

Emirates NBD Visa Infinite Credit Card Rewards & Offers

The cardholder can enjoy the following offers and rewards:

Plus Points- Reward Program

The Emirates NBD Visa Infinite credit card allows its cardholders to earn rewards in terms of plus points on all their retail spends. The “Plus Points” can easily be redeemed instantly at participating vendors/partners, annual membership fee waivers, frequent flyer miles from top-class airlines or cash back. Following is the number of “Plus Points” that the card member can earn in different categories:

  • With every AED 100 spend on retail (either domestic or internationally), the members of this card earns 2 plus points (maximum).
  • Retail spends made under the category ‘Groceries and Supermarket’, ‘Insurance, and Car dealership related’ will earn 0.4% Plus Points for a spend of AED 1000, therefore the card member will earn 4 Plus Points.
  • Retail spends made under the category ‘Government Services’ (including utility bill payments), ‘Petroleum’, ‘Real Estate’, ‘Education’ will earn 0.2% Plus Points for a spend of AED 1000, therefore the card member will earn 2 Plus Points.

Careem Offer

Card members can enjoy a discount of 50% on all local airport transfer when they book a ride with Careem using this Emirates NBD credit card.

Dining Discount

Cardholders can enjoy up to 30% off at more than 2000 restaurants across the UAE under the Bon Appetit Program offered by Emirates NBD.

LiveWell Program

The card member can enjoy a wide range of amazing offers and discounts up to 50% at more than 500 Spas, Gyms, Medical & Wellness Centres, Salons, and more.

Air Tickets & Holiday Packages Discount

This Emirates NBD credit card is one of the best credit cards any avid traveler can opt for. As it offers 3% discount on flight tickets and up to 7% discount on holiday packages. These discounted offers can easily be accessed through the Travel Desk of Emirates NBD. Please note that the discount is applicable on ‘Dnata’ base rate (excluding all the taxes & surcharges).

Visa Offers

The card member can enjoy the below-mentioned visa offers:

Airport Dining Discount Program

Members of this credit card can avail exclusive discount on more than 200 restaurants across the globe. They need to download “DragonPass Dine & Travel” mobile app and register the card in order to enjoy these dining discounts. Please note that the discount might differ from one merchant to another. However, the discounted offers will be display in the mobile app.

Fairmont Offers

With this card, one can avail a 15% off on booking two nights at the participating Fairmont hotels.

Hotels.com Offers

Card members can avail 8% off on hotel booking through the Hotels.com. In order to enjoy this offer, they are required to use the “VISA8”- promo code.

Avis Car Rental

Below-mentioned offers are available at AVIS for the members of the Emirates NBD Visa Infinite Credit Card:

  • A discount of 35% (maximum) on standard rates.
  • A discount of 30% (maximum) on international leisure rates.

The Entertainer

Card members can enjoy BOGO offers at participating merchants in the UAE, Bahrain, Oman, Qatar, KSA, Kuwait, Jordan, and Lebanon. Additionally, they can avail over 5000 discounts on excursions and attractions in key travel destinations.

Bicester Village Shopping Collection

The Bicester Village Shopping Collection is a collection of luxury brand outlet villages offering the previous seasons’ collections of the leading lifestyle brands with a discount of 60% (maximum) the recommended retail price. Card members can enjoy access to:

  • A discount of 15% on the ticket price for the shopping express luxury coach service, chauffeur drive facility & shopping packages.
  • Enjoy a VIP voucher for with extra discount of 10% on purchases at any of the Bicester Village shopping collection locations in the Europe.

Eligibility Criteria for Emirates NBD Visa Infinite Credit Card

The basic eligibility criteria to apply for Emirates NBD Infinite credit card is given below:

  • The minimum age of 21 years is required to apply for this credit card.
  • Both UAE nationals & expats are eligible.
  • The minimum monthly income of AED 50,000 is required.

Documents Required to Apply For Emirates NBD Visa Infinite Credit Card

Applicants are required to submit the following documents in order to complete the Emirates NBD Infinite credit card application:

  • Original and photocopy of a valid Emirates ID along with the 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 of Emirates NBD Visa Infinite Credit Card

Following are the fees & charges associated with this ENBD credit card:

Fees & Charges Amount

Annual Membership Fees

AED 1500

Monthly Finance Charges

2.99%

Cash Withdrawal or Advance Fee

AED 99 or 3% of the total amount (whatever 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% Installment Plan Fees

AED 49 (on each transaction)

Cancellation Fees

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

(Updated as on September 1, 2020)

FAQ's on Emirates NBD Visa Infinite Credit Card

Q1:   What is 0% easy installment plan and what is the use of it?

Ans: 0% easy installment plan is an amazing feature of the Emirates NBD credit card that allows you to convert your credit card big purchases made at participating outlets in easy to pay monthly installments at zero interest. Therefore, you can buy anything you want and then repay the amount in installments for up to 6-12 months.

Q2: How do I earn Plus Points and where can I redeem them?

Ans: In order to earn Plus Points, use your Emirates NBD credit card for all domestic and international retail spends.  You will be rewarded every time for using the credit card. However, you can easily redeem your “Plus Points” for annual fees waiver, cash back, or frequent flyer miles from the leading airlines.

Q3: What I supposed to do I have lost my credit card while travelling outside the UAE?

Ans: First of all, you need to call on +971 4 600 54000 in order to block the card. Afterward, you may place a request for a replacement card. The bank will issue the card and shipped it to you at your International location.

Please note that the bank will charge a nominal replacement fee.

Q4: Can supplementary Emirates NBD credit card members also enjoy the benefit of Protect Plus Cover?

Ans: Supplementary cardholders are not covered under the “Protect Plus Cover” as it is applicable only on primary card members.

Q5: Does the supplementary Emirates NBD credit card member also require to register at LoungeKey to enjoy the complimentary airport lounge access?

Ans: Well, yes! Primary as well as supplementary cardholders of Emirates NBD credit card need to register at LoungeKey in order to enjoy the benefit of this program.

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