Credit Card- Frequent Asked Question (FAQs)

Emirates NBD Credit Card FAQs

What are the benefits of having an Emirates NBD Credit Card?

As an Emirates NBD Credit Cardholder, you can enjoy a wide range of features and benefits in Saudi Arabia and United Arab Emirates. Following are some key benefits:

Free for the first year (Conventional Credit Cards)
Competitive APR
Loyalty program 1% Cash Back
SADAD utility bill payment
BON APETITE program offering discounts and exclusive offers
Concierge service for premium cards
Airport lounge access for premium cards

For more information, please visit Cards section to view and choose the card that best suits your needs.

What types of Credit Cards Emirates NBD has to offer?

Emirates NBD offers both Conventional and Islamic Cards:

Conventional: Silver, Gold, Platinum and Infinite
Islamic: Islamic Credit Card and Infinite Islamic Charge Card

How can I access my Credit Card account?

You can register on Internet Banking or Mobile Banking to view your Credit Card statement and check your balance. You can always contact our Phone Banking service for any question you may have by calling 8007547777 or +966112825566.

How can I pay my Credit Card bill?

You can pay your Credit Card bill through the following options:

SADAD from any local bank
Online payment from your Emirates NBD account through Internet, Mobile, and Phone Banking services
Direct Debit from your Emirates NBD account
Cash payment in the branch

What is the minimum monthly payment?

Emirates NBD offers a range of easy payment methods. The amount due is reflected in your Credit Card statement. You can choose to pay the minimum payment due:

Conventional Credit Card- 5% or SAR 100
Islamic Card-10 % or SAR 200
Infinite Islamic Charge Card- 100%

What happens if I lose my Credit Card or if my Credit Card is stolen and how can I request a replacement card?

Please notify us immediately by calling our Phone Banking service at 8007547777 or +966112825566. The bank will immediately block your Credit Card to avoid unauthorized transactions on your Credit Card account. Don't forget to request a replacement Card.

What are Plus Points and how can I redeem them?

Plus Points are points earned on retail transactions done on your Emirates NBD Credit Card which can be converted to Cash Back. You can redeem your Plus Points online instantly through Internet Banking and Mobile Banking or by calling our Phone Banking service at 8007547777 or +966112825566.

How can I convert purchase transactions to equal monthly installment?

You can convert your purchases transactions into 3, 6, 9 or 12 equal monthly installments by following the below steps:

Use your Emirates NBD Credit Card for purchases at a merchant
Call Phone Banking service at 8007547777 or +966112825566 within a maximum of 50 days from the date of transaction
Enter your Credit Card information and wait or a customer service representative to serve you
Choose to convert the purchase transaction desired into 3, 6, 9 or 12 equal monthly installments

How will Emirates NBD Credit Card help me and my family if I am unable to pay my dues and what is Credit Shield and how to enroll in the program?

Emirates NBD Credit Cards offer an optional Credit Shield program that you can enroll to that protects your family from any outstanding balance on your Emirates NBD Credit Card in case of death or permanent disability God forbids. You can enroll by contacting our Phone Banking service at 8007547777 or +966112825566. Terms and conditions apply, for more information, please visit Cards section.

What travel benefits do I get with my Emirates NBD Credit Card?

You can make purchases smoothly and securely without the need to carry high amounts of cash giving you financial flexibility in case of unexpected emergencies or planned leisure. It lets you pay for your wants and needs today and pay back later in full or in convenient installments if needed. You can even withdraw cash from any ATM globally in the country's local currency should the need arise. You are also automatically enrolled in our BON APETITE program and enjoy great savings when travelling to the UAE. Please note that benefits can vary depending on card type. For more information, please visit Cards section.

Which Emirates NBD Credit Cards provide the privilege of airport lounge access and how can I use this benefit?

Only Emirates NBD Platinum and Infinite Credit Cards allow the cardholder to access +500 airport lounges around the world. Upon receiving your Credit Card, you will have to visit www.loungekey.com for Infinite Credit Cards and en.dragonpass.com.cn for Platinum Credit Cards.