Emirates NBD WebShopper Credit Card

About the Emirates NBD WebShopper Credit Card

The WebShopper ENBD credit card is one of Emirates NBD’s prime innovations. Released with the motive of advancing online security, the WebShopper Emirates NBD card offers cardholders a high powered rewards program and unparalleled security for online shopping.

Emirates NBD entered the UAE financial sector as early as 1963 in the form of the National Bank of Dubai (NBD). Soon thereafter, a merger with Emirates Bank International (EBI) finally lead to the creation of Emirates NBD in 2007. The WebShopper Emirates NBD credit card is the latest innovation in the bank’s long line of creative financial solutions.

Features of the Emirates NBD WebShopper Credit Card

While the WebShopper Emirates NBD credit card takes security very seriously, it doesn’t shy away from offering other useful credit card features as well.

Card Security

The WebShopper ENBD credit card has been created with a specialized focus on online shopping. It does not contain a magnetic strip and the card numbers are printed-on rather than embossed. All of this is done in order to prevent unauthorized use of the card at vendors. Furthermore, the WebShopper Emirates NBD card offers the Double Secure security protocol to add an extra measure of safety. The Double Secure protocol requires cardholders to enter an authentication code in order to complete any transaction. This code is sent to the cardholder’s registered mobile number.

Balance Transfers

Known as balance conversion or BalCon, this WebShopper Emirates NBD credit card feature allows cardholders to transfer their outstanding balance from another credit card to the Emirates NBD card. The balance can then be paid off as equal monthly instalment amounts. Cardholders are required to transfer a minimum of AED 1,000 to avail of the service.

Credit Card Instalment Plans

An ENBD credit card instalment plan lets cardholders convert large retail purchases into monthly instalments. The WebShopper Emirates NBD credit card offers customers a 0% Credit Card Instalment Plan (CCIP) at partnered vendors.

Credit Withdrawals

Holders of the WebShopper ENBD credit card can withdraw a fixed percentage of their available credit limit on demand. The Emirates NBD credit card withdrawal feature is known as Dial-A-Cheque and allows cardholders to repay the borrowed amount as monthly instalments with low interest and tenors of 6 months – 48 months.

Credit Shield

Cardholders can opt to protect their WebShopper Emirates NBD credit card payments with the Credit Shield insurance policy. Credit Shield covers payment of up to AED 100,000 on the primary ENBD credit card in the event that the cardholder suffers permanent total disability, a critical illness or if the cardholder dies.

Benefits of the Emirates NBD WebShopper Credit Card

Online shopping could not be any safer than with the WebShopper Emirates NBD credit card. Here are the many benefits a WebShopper ENBD credit card offers:

Online Security

 Various security measures make the WebShopper Emirates NBD credit card the safest option for internet transactions. The security measures employed are:

  1. The WebShopper ENBD credit card comes with no magnetic stripe, preventing its use in physical stores.
  2. The WebShopper Emirates NBD credit card number is printed on and not embossed, to prevent the use of the card at ATM machines and card machines.
  3. Live SMS alerts detail every activity on the WebShopper Emirates NBD card as and when they happen.
  4. A WebShopper ENBD credit card is not connected to any other Emirates NBD card. It is a standalone card and can be set with its own spending limit as per the primary cardholder’s instructions.

Plus Points Rewards

 Members of the WebShopper Emirates NBD credit card are enrolled into the Plus Points rewards program, through which cardholders earns Plus Points by simply making purchases with their card. Additional details on the Plus Points program are mentioned in later sections.

Roadside Assistance

The WebShopper ENBD credit card offers complimentary around the clock roadside assistance for its cardholders. The services offered under roadside assistance include:

  1. Vehicle Recovery
  2. Fuel Delivery
  3. Towing
  4. Battery Boosting

Roadside assistance can be availed for free up to 3 times in a year.

Flexible Credit Limit

WebShopper Emirates NBD credit cards can be set with any credit limit that the cardholder desires. This allows the WebShopper ENBD credit card owner to closely monitor spending.

Payment Options

In addition to the credit limit, WebShopper Emirates NBD credit card payments also show great flexibility. Cardholders can choose to make minimum monthly payments on their ENBD credit card for as low as 5% of the outstanding balance or for 10%, 15%, 25%, 50% and 100% of the outstanding balance as desired.

Eligibility Criteria for the Emirates NBD WebShopper Credit Card

As one of the most secure shopping tools a customer can have, the WebShopper Emirates NBD credit card offers customers peace of mind during their online shopping. The WebShopper Emirates NBD credit card requirements are as follows:

  • Age Criterion: WebShopper Emirates NBD card applicants are required to be at least 21 years of age. Younger applicants may be allowed to apply for the Emirates NBD credit card as part of a joint application with their legal guardian as per the bank’s sole discretion.
  • Income Criterion: The WebShopper Emirates NBD credit card minimum salary requirements are defined by the bank after considering a mix of factors which include earning potential, monthly income and more.
  • Credit Score Criterion: Certain personal details of the WebShopper Emirates NBD credit card applicant will be shared with credit bureaus to assess the applicant’s credit score. A credit score indicates how risky a customer can be. Low credit scores may disqualify applicants.
  • Residency Criterion: Applicants of the WebShopper ENBD credit card must be UAE residents.

Top Reasons to Get the Emirates NBD WebShopper Credit Card

The impressive range of Emirates NBD credit card benefits is just one of the many reasons why customers enjoy the WebShopper Emirates NBD card so dearly. Here are a few other reasons:

Flexibility

The WebShopper Emirates NBD credit card is a highly functional tool, allowing customers to safely and quickly fulfil their spending requirements. What makes this ENBD credit card so flexible is:

  1. A variable credit limit: Cardholders can choose and change the credit limit on their WebShopper Emirates NBD card in accordance with their daily lifestyle needs.
  2. Multiple payment options: Unlike most credit cards that have a single fixed minimum monthly payment requirement, the WebShopper Emirates NBD credit card payments can be made in multiple brackets of 5%, 10%, 15%,25% or 50% of the outstanding balance - right up to full 100% payments.

Rewards Program

As a holder of the WebShopper Emirates NBD credit card, cardholders are given membership into the Plus Points Rewards program. The rewards program allows cardholders to redeem loyalty points for incredible products and services across the nation.

Deals Galore

There is no shortage of deals that an Emirates NBD credit card offers to its cardholders. By partnering with dozens of big name brands, Emirates NBD allows owners of the WebShopper ENBD credit card access to huge discounts and exciting promotions on shopping, travel, local events and more.

Low Cost

A WebShopper Emirates NBD credit card provides its members with access to a wide assortment of benefits, at the most reasonable price imaginable.

Supplementary Cards

Cardholders can share the wonders of their WebShopper Emirates NBD credit card with family members with a supplementary ENBD credit card. Customers may request for up to 5 supplementary WebShopper Emirates NBD credit cards. The cards are issued free of charge.

Emirates NBD WebShopper Credit Card Offers

The WebShopper Emirates NBD credit card offers are regularly updated and subject to change. The currently applicable ENBD credit card offers are:

  • Emirates NBD Deals: Cardholders can avail of huge discounts on shopping, dining, lifestyle purchases and more by visiting the Emirates NBD Deals page on the Emirates NBD site.
  • Emirates NBD Promotions: Emirates NBD offers additional services to owners of the WebShopper ENBD credit card via the various ‘Bank Promotions’ page deals.

Emirates NBD WebShopper Credit Card Fees & Charges

The applicable fees & charges on the WebShopper Emirates NBD credit card are as follows:

  • Annual Membership Fee: AED 50
  • Retail Interest (Monthly): 2.99%
  • Cash Advance Interest (Monthly): Not Applicable. (As the WebShopper ENBD credit card does not have a magnetic strip, it cannot be used to make ATM withdrawals.)

The complete list of WebShopper ENBD credit card charges is available on the Emirates NBD site.*

*Note that the mentioned fees & charges on the WebShopper Emirates NBD credit card have been updated as of May 2014.

Emirates NBD WebShopper Credit Card Plus Point Rewards

Owners of the WebShopper ENBD credit card are enrolled in the Plus Points Rewards program. Plus Points is a loyalty program offered by Emirates NBD and allows cardholders to earn points by simply making use of their card for purchases and payments.

The program was developed as a way of giving back to the Emirates NBD credit card holders for their continued support.

How to Earn Plus Points

Holders of the WebShopper Emirates NBD credit card are enrolled into the Plus Points Rewards program offered by the bank, through which they earn Plus Points in the following manner:

  • The cardholder earns 1 Plus Point for every AED 200 they spend with the WebShopper ENBD credit card.

The status of accumulated Plus Points can be found out in one of two ways:

  • By contacting the Emirates NBD credit card customer care at 600-54-0000; or
  • By logging into the ENBD credit card online

How to Redeem Plus Points

Redemption options for the Emirates NBD credit card Plus Points program are incredibly diverse. Plus Points can be redeemed for any of the following:

  • Retail Store Purchases: ENDB credit card partnered retail stores allow the cardholder to directly make purchases at the point of sales machine using Plus Points.
  • Skywards Miles: Holders of the WebShopper Emirates NBD credit card may also convert their Plus Points into Skywards Miles, which can be used to book a flight, make hotel reservations and more through the Emirates Airline portal.
  • Cashback: WebShopper ENBD credit card members may redeem their Plus Points for cash back.
  • Fee Waivers: The WebShopper Emirates NBD credit card has a minimal annual membership fee of AED 50, which may also be waived by redeeming Plus Points.
  • NOL Recharge: Plus Points may be redeemed for NOL card top-ups. NOL cards can be used across the Dubai public transport services and for RTA paid parking as well.

WebShopper ENBD credit card members may redeem their Plus Points through:

  • Online Banking: By logging into the ENBD credit card online
  • Mobile Banking: The Emirates NBD mobile banking app can be downloaded via the Android & iOS mobile app stores.

How to Apply for the Emirates NBD WebShopper Credit Card

The WebShopper Emirates NBD credit card can be applied for in one of two ways:

  • Branch Application: Applications for the WebShopper ENBD credit card may be submitted at any of the Emirates NBD branches across the UAE.
  • Online Application: The WebShopper Emirates NBD credit card can also be applied for online. The ENBD credit card online application can be found on the Emirates NBD site.

Additional Information & Documentation

The following documents will be required In order to complete the WebShopper ENBD credit card application:

  1. The applicant’s original Emirates ID.
  2. The applicant’s passport copy.
  3. The applicant’s latest salary slip.
  4. The latest 3 months of the applicant’s bank statement.
  5. A security deposit cheque.
  6. Self-employed WebShopper Emirates NBD credit card applicants will also be required to submit a trade license.

Emirates NBD WebShopper Credit Card FAQs

Q.1. How many supplementary Emirates NBD WebShopper credit cards can I get?

The primary WebShopper ENBD credit card holder can request for supplementary ENBD credit cards for family members. Supplementary Emirates NBD cards can be used to access a shared credit limit with the primary card and can be set with spending limits to monitor usage.

Cardholders can request for up to 5 supplementary WebShopper Emirates NBD credit cards absolutely free of charge.

Q.2. Where can I check on the status of my Plus Points?

A WebShopper Emirates NBD credit card enrols its cardholder into the Plus Points Rewards program. The program allows cardholders to earn Plus Points, which can then be redeemed for retail store purchases, conversion to Skywards Miles, cash back and more.

Owners of the WebShopper ENBD credit card can check on the status of their Plus Points through:

  • Customer Care: Cardholders can contact 600-54-0000 to request for the status of their Plus Points via the phone.
  • Online Banking: The ENBD credit card online portal can also be used to determine the status of accrued Plus Points.
  • Mobile Banking: Plus Point status can also be seen via the Emirates NBD credit card Android and iOS mobile banking apps.

Q.3. Where can I make my Emirates NBD WebShopper credit card payments?

The WebShopper Emirates NBD credit card payments can be made via:

  • Branch / ATM Payment: Owners of the WebShopper ENBD credit card can make payments at any of the Emirates NBD branches or ATMs.
  • Online Payment: WebShopper Emirates NBD credit card payments can also be made through the online banking portal. The ENBD credit card online login can be found on the Emirates NBD website.
  • Mobile Payment: Cardholders can make payments for their WebShopper Emirates NBD card directly through their smartphone with the ENBD mobile banking app. The app can be downloaded for Android and iOS.

Q.4. What do I do if my Emirates NBD WebShopper credit card is stolen or lost?

Owners of the WebShopper Emirates NBD credit card will be liable for any charges made on their misplaced card until they have informed the bank in writing. Cardholders are required to immediately inform the bank and local police authorities about the loss of their ENBD credit card, followed by a written confirmation of the same within 48 hours of the verbal report.

A replacement WebShopper Emirates NBD card will be issued for a fee of AED 20. In the event that a lost ENBD credit card is later recovered, it should be cut in two and returned to the bank without being used.

Q.5. How do I cancel my Emirates NBD WebShopper credit card?

The WebShopper ENBD credit card can be cancelled by submitting a written request to the bank, along with all the primary and supplementary Emirates NBD credit cards cut in half. After doing so, the cardholder is required to clear all outstanding due on their card.

After confirming that all dues have been settled on the WebShopper Emirates NBD card, the bank will retain the security deposit amount for an additional 45 days before returning it.

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