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NBF Credit Cards

The National Bank of Fujairah, better known as ‘NBF’, prides itself on being one of the most reliable banks in the UAE.  Established in 1982, NBF has been actively involved in the UAE community for more than 3 decades. NBF trades on the Abu Dhabi Securities Exchange under the tag of ADX: NFB and has been awarded multiple times for the continuously excellent standards of service seen across their line of NBF credit cards.

NBF shows great commitment to its social impact, dedicating resources to community initiatives such as the conservation of Fujairah’s Wadi Wurayah National Park, partnering with the Fujairah Welfare Association and many more such noble endeavours. NBF has spent years researching and understanding the UAE market. As a result, the line of credit cards in UAE have gone on to win the bank various accolades such as being listed in ‘The top 50 safest banks in the Middle East’ by Global Finance in 2017, and as the ‘Best Corporate Bank in UAE’ and the ‘Best Commercial Bank in UAE’ by the Banker Middle East Industry Awards in 2018.

Types of NBF Credit Cards

NBF offers exceptional customer service across its line of debit cards, credit cards and prepaid cards. The bank offers 3 types of NBF credit cards.

  1. NBF Classic Credit Card
  2. NBF Infinite Credit Card
  3. NBF Platinum Exclusive Credit Card

1. NBF Classic Credit Card

  • Annual Membership Fee: This NBF credit card is free for life
  • Monthly Retail Interest: 2.99%

Benefits:

a. This NBF credit card offers the cardholder up to 60% cash back on movie tickets at VOX Cinemas, Roxy Cinemas or Reel Cinemas. Customers may avail of the offer by booking tickets at the above-mentioned cinemas with their NBF credit card. The cashback offer is valid for minimum purchases of AED 25 and is capped at AED 150 monthly.

b. Owners of the Classic NBF credit card are offered a variety of regularly updated NBF offers, which include discounts and vouchers for dining, lifestyle spending, retail store spending, travel and much more. The full list of NBF credit card offers can be found online.

c. Customers can convert any retail transactions made with the NBF credit card into Easy Payment Plants at 0% interest. The details of the Easy Payment Plan are as follows:

  • 0% interest rate on minimum retail transactions of AED 500 for a tenor of 3 months.
  • 1.1% interest rate on minimum retail transactions of AED 1,000 for tenors of 6 months or 12 months.

d. NBF credit card owners are provided balance transfer facilities, which allow them to transfer the outstanding balance from other cards to the NBF credit card account for low-interest rates as mentioned below:

  • 0% interest rate on minimum balance transfer amounts of AED 500 for a tenor of 3 months. Such balance transfers are charged a processing fee of 1% of the total transaction amount.
  • 0.99% interest rate on minimum balance transfer amounts of AED 1,000 for a tenor of 6 months. There is no processing fee on this balance transfer.
  • 1.40% interest rate on minimum balance transfer amounts of AED 1,000 for tenors of 12 months and 24 months. There is no processing fee on these balance transfers.

e. The NBF credit card offers a cash drafting service known as EZ draft. EZ draft allows the cardholder to have up to of 70% of their available NBF credit card limit directly transferred into their account. The EZ draft charges are as follows:

  • 0.99% interest rate on minimum cash drafts of AED 500 for a tenor of 3 months. The EZ draft service charges a processing fee of 1% of the drafted amount.
  • 0.99% interest rate on minimum cash drafts of AED 1,000 for tenors of 6 months and 12 months. The EZ draft service charges a processing fee of 1% of the drafted amount.

f. Card owners can withdraw up to 40% of their available NBF credit card limit from Visa accepting ATMs and banks all across the world.

g. The Classic NBF Credit card offers 2 free supplementary NBF credit cards for family members above the age of 18. The cardholder can have up to 4 supplementary NBF credit cards The first 2 supplementary cards are free, while the remaining 2 are offered for an additional fee of AED 100.

2. NBF Platinum Exclusive Credit Card

  • Annual Membership Fee: This NBF credit card is free for life.
  • Monthly Retail Interest: 2.99%

Benefits:

a. The Platinum Exclusive NBF credit card gives cardholders immense saving potential via the cashback program. The program offers cashback up to 2% on all retail purchases made with the Platinum Exclusive NBF credit card and no monthly caps. The cashback criteria are as follows:

  • 1% cashback on expenditures ranging from AED 0 – AED 9,999.
  • 1.5% cashback on expenditures ranging from AED 10,000 – AED 19,999.
  • 2% cashback on expenditures above AED 20,000.

b. This NBF credit card offers the cardholder up to 60% cash back on movie tickets at VOX Cinemas, Roxy Cinemas or Reel Cinemas. Customers may avail of the offer by booking tickets at the above-mentioned cinemas with their NBF credit card. The cashback offer is valid for minimum purchases of AED 25 and is capped at AED 150 monthly.

c. Owners of the Platinum Exclusive NBF credit card are offered a variety of regularly updated NBF offers, which include discounts and vouchers for dining, lifestyle spending, retail store spending, travel and much more. The full list of NBF credit card offers can be found online.

d. Customers can convert any retail transactions made with the NBF credit card into Easy Payment Plants at 0% interest. The details of the Easy Payment Plan are as follows:

  • 0% interest rate on minimum retail transactions of AED 500 for a tenor of 3 months.
  • 1.1% interest rate on minimum retail transactions of AED 1,000 for tenors of 6 months or 12 months.

e. NBF credit card owners are provided balance transfer facilities, which allow them to transfer the outstanding balance from other cards to the NBF credit card account for low-interest rates as mentioned below:

  • 0% interest rate on minimum balance transfer amounts of AED 500 for a tenor of 3 months. Such balance transfers are charged a processing fee of 1% of the total transaction amount.
  • 0.99% interest rate on minimum balance transfer amounts of AED 1,000 for a tenor of 6 months. There is no processing fee on this balance transfer.
  • 1.40% interest rate on minimum balance transfer amounts of AED 1,000 for tenors of 12 months and 24 months. There is no processing fee on these balance transfers.

f. The NBF credit card offers a cash drafting service known as EZ draft. EZ draft allows the cardholder to have up to of 70% of their available NBF credit card limit directly transferred into their account. The EZ draft charges are as follows:

  • 0.99% interest rate on minimum cash drafts of AED 500 for a tenor of 3 months. The EZ draft service charges a processing fee of 1% of the drafted amount.
  • 0.99% interest rate on minimum cash drafts of AED 1,000 for tenors of 6 months and 12 months. The EZ draft service charges a processing fee of 1% of the drafted amount.

g. Card owners can withdraw up to 40% of their available NBF credit card limit from Visa accepting ATMs and banks all across the world.

h. The Platinum Exclusive NBF Credit card offers 5 free supplementary NBF credit cards for family members above the age of 15.

3. NBF Infinite Credit Card

  • Annual Membership Fee: AED 750*
    *The Infinite NBF credit card is free for life for NBF priority banking customers. The eligibility criteria for NBF priority are mentioned in the ‘benefits’ section.
  • Monthly Retail Interest: 2.49%

Benefits:

a. The Infinite NBF credit card annual membership fee is waived for NBF priority customers. NBF priority banking applies to any one of the following cardholders:

  • Customers with a monthly salary of AED 40,000 or more, on transferring it into the NBF credit card account.
  • Customers who maintain an average balance of AED 350,000 with NBF, considering deposit and investment amounts collectively.
  • Customers with a mortgage amount greater than AED 2.5 million.

b. Unlimited access to 650+ airport lounges across the globe for the primary Infinite NBF credit card member and a guest. Available lounge locations can be found online.

c. Complimentary multi-trip travel insurance for the NBF credit card owner and immediate family members on all trips local and international up to 90 days. Visa provides a comprehensive travel insurance plan which includes travel and medical assistance.

d. The cardholder is also offered purchase protection and an extended warranty on any new purchases made with the Infinite NBF credit card.

e. The Visa ‘PayWave’ enabled Infinite NBF credit card allows customers to make quick and secured contactless payments for small transactions by simply waving the NBF credit card above contactless-accepting card payment machines.

f. Infinite NBF credit card owners can benefit from the expertise of a Visa Infinite Concierge, who will help book event tickets, make restaurant reservations, arrange travel and much more.

g. The Infinite NBF credit card gives cardholders immense saving potential via the cashback program. The program offers cashback up to 3% on all retail purchases made with the Infinite NBF credit card and no monthly caps. The cashback criteria are as follows:

  • 1% cashback on local expenditures ranging from AED 0 – AED 9,999. International expenditures in this range will earn 2% cashback.
  • 1.5% cashback on local expenditures ranging from AED 10,000 – AED 19,999. International expenditures in this range will earn 2% cashback.
  • 2% cashback on local expenditures above AED 20,000. International expenditures in this range will earn 3% cashback.

h. This NBF credit card offers the cardholder up to 60% cash back on movie tickets at VOX Cinemas, Roxy Cinemas or Reel Cinemas. Customers may avail of the offer by booking tickets at the above-mentioned cinemas with their NBF credit card. The cashback offer is valid for minimum purchases of AED 25 and is capped at AED 150 monthly.

i. Customers can convert any retail transactions made with the NBF credit card into Easy Payment Plants at 0% interest. The details of the Easy Payment Plan are as follows:

  • 0% interest rate on minimum retail transactions of AED 500 for a tenor of 3 months.
  • 1.1% interest rate on minimum retail transactions of AED 1,000 for tenors of 6 months or 12 months.

j. NBF credit card owners are provided balance transfer facilities, which allow them to transfer the outstanding balance from other cards to the NBF credit card account for low-interest rates as mentioned below:

  • 0% interest rate on minimum balance transfer amounts of AED 500 for a tenor of 3 months. Such balance transfers are charged a processing fee of 1% of the total transaction amount.
  • 0.99% interest rate on minimum balance transfer amounts of AED 1,000 for a tenor of 6 months. There is no processing fee on this balance transfer.
  • 1.40% interest rate on minimum balance transfer amounts of AED 1,000 for tenors of 12 months and 24 months. There is no processing fee on these balance transfers.

k. The NBF credit card offers a cash drafting service known as EZ draft. EZ draft allows the cardholder to have up to of 70% of their available NBF credit card limit directly transferred into their account. The EZ draft charges are as follows:

  • 0.99% interest rate on minimum cash drafts of AED 500 for a tenor of 3 months. The EZ draft service charges a processing fee of 1% of the drafted amount.
  • 0.99% interest rate on minimum cash drafts of AED 1,000 for tenors of 6 months and 12 months. The EZ draft service charges a processing fee of 1% of the drafted amount.

l. Card owners can withdraw up to 40% of their available NBF credit card limit from Visa accepting ATMs and banks all across the world.

m. Owners of the Infinite NBF credit card are offered a variety of regularly updated NBF offers, which include discounts and vouchers for dining, lifestyle spending, retail store spending, travel and much more. The full list of NBF credit card offers can be found online.

n. The Platinum Exclusive NBF Credit card offers 2 free supplementary NBF credit cards for family members above the age of 15.

Features & Benefits of NBF Credit Cards

A host of astounding NBF credit card features and benefits has earned NBF the reputation of being one of UAE’s most reliable banking institutions.

  • Security : NBF credit cards employ the industry-leading 3D secure services for online transactions. Backed by Visa, 3D secure adds an additional layer of security to online spending by asking the NBF credit card owner for a 6 digit OTP to complete the transaction. This is sent to the cardholder’s registered mobile number and is nearly impossible to forge.
  • International Recognition: By functioning on the enormous Visa payment network, NBF credit cards enjoy acceptance all across the globe. Cardholders can use their NBF credit card anywhere in the world without worry. NBF credit cards also offer international cash withdrawal services, allowing customers to access emergency funds no matter where they are.
  • Foreign Currency : All NBF credit cards come with a dynamic currency conversion feature. This is a great advantage in terms of international spending. Most foreign stores charge credit cards in USD, which is calculated on basis of the daily currency exchange rate. NBF credit cards convert this USD value back into AED for convenient and accurate payments.
  • Mobile Banking: Owners of an NBF credit card can make use of the highly functional NBF mobile banking app to easily access their credit cards statements and more. Coupled with real-time SMS alerts, the app also provides a secure platform for banking.

Benefits

Merging local attractions with international incentives, NBF credit cards give customers an exciting mix of benefits, some of which are analyzed below:

  • Airport Lounge Access: The Visa Infinite NBF credit card grants the primary cardholder and a guest complimentary access to 650+ airport lounges across the globe. Frequent flyers can enjoy the luxuries of comfortable seating, delicious refreshments and more.
  • Cashback: A majority of the NBF credit cards offer flat cashback deals across all retail purchases. Cardholders can amass enormous savings yearly as the NBF credit cards hold no cap on retail category cash back.
  • EPP: Cardholders can convert any retail purchase made on their NBF credit card into an Easy Payment Plan (EPP). The EPP allows purchases made with the NBF credit card to be paid off in monthly instalments with 0% interest and a tenor of 3 months. Even the 6 months and 12 months tenor plans charge a low-interest rate of 1.1%.
  • Balance Transfer: NBF credit card owners with accumulated debt on their other cards can utilize the low-interest balance transfer programs to help clear away overdue balances. The NBF credit card balance transfer interest rates vary from 0% to 1.40% from tenors of 3 months to 24 months.
  • Visa Insurance: Visa offers all Infinite NBF credit card owners a comprehensive travel insurance plan. The payment network also offers purchase protection and extended warranty services for purchases made with the NBF credit card.


NBF Credit Card Interest Rates and Annual Membership Fees

The table below shows the interest rates and annual membership fees for all NBF credit cards in the UAE.

 

Name of the Card Annual Membership Fee (in AED) Monthly Retail Interest (in %)
NBF Classic Credit Card Fee Fee free for life 2.99
NBF Platinum Exclusive Credit Card Fee free for life 2.99
NBF Infinite Credit Card 750.00 (The fee is waived for NBF Priority banking customers) 2.49

 

(Updated as of Feb 2019)

NBF Credit Card Eligibility

The eligibility criteria for an NBF credit card are as follows:

  1. Age: NBF credit cards applicants are required to be at least 21 years of age. However, family members of the primary cardholder may be as young as 15 years to use a supplementary NBF credit card.
  2. Income: Customers looking to apply for an NBF credit card must declare an independent source of income. Applicants will also be required to submit a security deposit amounting to 120% of the desired NBF credit card As such, the applicant’s minimum monthly income plays a vital role in the eligibility criteria.
  3. Residency: Only customers who are UAE residents will be eligible for an NBF credit card.
  4. Account & Salary Transfer: NBF credit card applicants are required to open a current account with NBF and transfer their salary to it. Customers who do not wish to conduct a salary transfer can instead set up an NBF fixed deposit.
  5. Credit History: By accepting the NBF credit card terms and conditions, applicants will authorize NBF to share basic personal information with UAE credit bureaus to conduct a credit history search. Bad credit history can disqualify customers from the NBF credit card application process.

How to Apply for an NBF Credit Card?

Customers can begin the NBF credit card application process in one of three ways:

  1. At an NBF Branch: NBF credit card aspirants can head over to any NBF branch in UAE with the required documents and an NBF credit card application form to begin the application process. NBF branch locations can be found online.
  2. By Submitting an Online Request: The NBF credit card application can be initiated by submitting an online request for a callback on the NBF website. The request form can be found online.
  3. Telephonically: Applicants can directly get in touch with NBF credit card customer care staff at the following number: (+971)8008-NBF i.e. (+971)8008-623.

The documents required for an NBF credit card application are mentioned below.

  1. An NBF credit card application form, which can be found online.
  2. Original and copy of the applicant’s passport.
  3. Original and copy of the applicant’s UAE visa. (Not required for UAE nationals)
  4. Original and copy of the applicant’s Emirates ID.
  5. A security deposit cheque for 120% of the offered NBF credit card
  6. The latest month’s salary slip.

NBF Credit Card Interest Rates

The monthly retail interest rates for NBF credit cards in UAE are as follows:

 

Name of the Card Monthly Retail Interest (in %)
NBF Classic Credit Card 2.99
NBF Platinum Exclusive Credit Card 2.99
NBF Infinite Credit Card 2.49

 

(Updated as of Feb 2019)


The NBF Credit Card Limit

The NBF credit card limit is an agreed upon amount set by NBF during the time of application. During the application process, the NBF credit card owner will be required to submit a security deposit in the form of an undated cheque for 120% of the decided upon credit limit.

In the event that an NBF credit card is used past the available credit limit, the cardholder will be charged an over-limit fee. The over-limit fee for NBF credit cards is AED 125.

NBF Credit Card Charges

Cardholders may be charged additional fees for availing additional services on their NBF credit card and for out of policy expenditures. These are some of the commonly seen charges on an NBF credit card:

  • Late Payment Charge: AED 125
  • Over-Limit Fee: AED 125
  • Card Replacement Fee: AED 150
  • Cash Advance Fee: 4% of the total cash advance amount or AED 50 (higher of the two).

Payments for the NBF credit card can be made in the following manner:

  • Offline: NBF credit card payments can be settled via cash or cheque at any NBF branch in UAE. The branch locations can be found online.
  • Direct Debit: Payments can be made directly through the NBF credit card account by setting up a direct debit. Through the direct debit facility, NBF credit card payments will automatically be deducted every month from the bank account. The cardholder only needs to ensure there is sufficient balance in the account.
  • Internet Banking: The NBF internet banking portal is known as NBF Direct. NBF credit card owners can make monthly payments by logging into NBF
  • Mobile Banking: The NBF Direct app is the user-friendly mobile banking app for NBF credit card Cardholders can use the app to make payments, pay bills, apply for other NBF credit cards and products, monitor NBF credit card statements and much more.

How to Cancel an NBF Credit Card?

The NBF credit card owner may choose to terminate their credit card agreement at any time by submitting a written request for the same. The cardholder will first be required to clear the outstanding balance and respective charges on the NBF credit card.

After doing so, the cardholder should submit a written request for cancellation to the bank, cut up all primary and supplementary NBF credit cards in two and return them to the bank.

NBF typically holds the security deposit amount for 45 days after accepting the NBF credit card termination request, to ensure no future payments have been scheduled.

After clearing all dues on their NBF credit card, the cardholders should request NBF for a No Liability Certificate. The certificate can be obtained for a fee of AED 100 and proves that the customer has no dues with the bank. The certificate may also be required while leaving the UAE.

Why Choose NBF Credit Cards?

NBF positions itself as the people’s bank of UAE, providing NBF credit card owners with the benefits of decades of first-hand market experience and profitable investment opportunities.

  • UAE Focused: NBF credit cards are designed with the needs of the UAE population kept specifically in mind. The cards are catered to promote local businesses and offer attractive discounts on the UAE citizen’s day to day expenses. The bank has a reputation of being extremely reliable and the NBF credit cards prove it time and again through their dedication to user experience and customer service.
  • Awards : In their 30+ years of providing the UAE public with excellent savings and investment opportunities, the NBF credit cards have also won the bank various awards from prestigious financial institutions. NBF was awarded the ‘Best Corporate Bank in UAE’ and the ‘Best Commercial Bank in UAE’ by the Banker Middle East Industry Awards in 2018. NBF showed equal dedication to its own employees, winning the ‘Employee Engagement and Happiness Award’ by the Gulf Employee Experience Awards in 2019.
  • Credit Ratings : The NBF services have been recognized by various internationally acclaimed credit rating organizations such as Moody’s and Capital Intelligence. The mixture of excellent NBF credit card services and innovative NBF investment strategies have earned the bank long-term ratings of ‘A-‘ by Capital Intelligence, ‘Baa1’ by Moody’s and ‘BBB+’ by Standard & Poor’s.
  • Community Service : A major reason for NBF’s rising popularity in the UAE is their commitment to social good and community service. NBF utilizes a percentage of their earnings from NBF credit cards and other NBF products to invest in the community around them. NBF is dedicated to making a positive impact on the environment, the community and on individual talent development. Some of the various initiatives that NBF has tied up with include Fujairah’s Wadi Wurayah National Park, the Fujairah Welfare Association, the Fujairah Higher Colleges of Technology and many more.
  • Market Trends Analysis : With a firmly established UAE banking corporation, NBF has spent years observing and analyzing trends in the UAE market. Not only do the market insights help NBF offer exciting and relevant new incentives across their range of NBF credit cards, but the bank also freely shares the information with clients and interested UAE citizens. NBF has two major avenues for information sharing known as NBF Knowledge Series, which is catered for working professionals and NBF GenNext that offers younger generations of UAE entrepreneurs with leadership and business development training.
  • Transparent Practices: From NBF credit card charges to annual operation reports; NBF is refreshingly upfront about their business processes. NBF offers the public a transparent and in-depth look at their organizational accomplishments and liabilities alike. Interested customers can peruse the NBF annual reports online.
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