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Infinite Credit Card
The card of distinction for your distinguished life
Luxurious privileges, personalized services and unmatched security are just some of the special benefits you deserve with the Emirates NBD Visa Infinite Credit Card. Enjoy our most exclusive range of advantages specially designed to suit your lifestyle.
Upto 1% Cashback
0% Installment Plans*
Hours Assistance
Contactless Atheer Payment
*Applicable on selected merchants only
Plus Points
Get rewarded on
all your spends
Earn Plus Points and redeem them through call center toll free number 800 754 7777 or via any of our Online banking channels.
Earn 1 Plus Point for every
1 Riyal spend*
*Applicable on all spends except for SADAD, cash withdrawals / quasi cash transactions, wallet payments (based on merchant category code assigned by schemes)
Redeeming Plus Points
You can easily and instantly redeem your plus points through our toll free number 800 754 7777 or Our Online Banking Channels.
Your plus points balance will appear on your credit card section at Emirates NBD online banking.
To learn about Credit Cards Fees and Charges, Click here
See how much you can earn
How much do you usually spend per month on
Supermarkets and Groceries?
How much do you usually spend on
International Spends?
How much do you usually spend per month on
Dining and Restaurants?
How much do you usually spend per month on
Healthcare?
How much do you usually spend per month on
Retail Spends?
you could earn
SAR 5,000 Cashback
per month, which is equal to
5,000 Plus Points
Please note that this is a just estimated calculation based on above amounts
The points to be redeemed should be minimum of 10,000 points and multiple of 10,000
Deals
Get the best offers and deals with our Cards
From electronics, jewellery, home décor, travel & entertainment & many more.
Food
Entertainment
Shopping
Travel, Leisure & Lifestyle Benefits
Elect a journey with a piece if mind
LOUNGE KEY
Have a travel experience that’s specifically tailored for you with complementary access to 1,000 lounges globally.
A transaction of at least $1 per year on your Credit Card is needed to avail this offer & simply mention “Lounge key”, and present your Infinite Card to the designated lounge and enjoy a seamless trip.
For more information, please download the app or visit www.loungekey.com/visamena
VISA terms and conditions apply
TRAVEL SERVICES
Travel the world with the knowledge that you always have access to the help you need, where medical services and advice is just a phone call away.
CAR RENTAL COLLISION DAMAGE WAIVER
Use your Emirates NBD when renting a car and drive away without having to worry about car damages, theft, or vandalism.
For more information and to review the T&Cs please visit www.cardholderbenefitsonline.com.
24-HOUR CONCIERGE
As an infinite holder, you have access to a digital concierge channel in addition to telephone and email services. We will take care of your reservations, travel arrangements, and even getting you the products that are hard to get. Take a seat and enjoy the exclusiveness of your Infinite Card.
Visit www.visaconciergecemea.com , email [email protected], or call +9714 361 1234 for more information.
VAT PROCESSING – BLUE LOUNGE
Shop with your Infinite Card and enjoy a luxurious and relaxing tax refund process in London, Paris, Milan, Rome, Venice, Munich, and Madrid in the Global Blue Lounge. All you need to do is show your Visa Card and enjoy a seamless Tax refund experience.
Financial & Security Benefits
We have got you covered wherever you go
DIAL A CHEQUE
Card holders can request a Managers Cheque against their credit limit via the call center. Cheques can be issued with credit limits of 30% addressed to “self” and upto 60% addressed to any company or institution.
Company or institution payments include but are not limited to school, realestate, house rent,construction, contractor fees and more.
You can also convert the Dial a Cheque repayment to monthly installment plans at a low rate as per your convenience.
SADAD BILL PAYMENTS
Use your Emirates NBD Infinite credit card to pay via internet banking or phone banking for SADAD.
INSTALLMENT PAYMENT PLANS
With the Emirates NBD Installment Payment Plan you can buy now and pay conveniently in 3, 6, 9 or 12 monthly installments at a low monthly profit margin.
Just call us on 800 754 7777 or log into your mobile or internet banking within 50 days of making your purchase and choose a plan that best suits your needs.
FRAUDULENT CARD MISUSE PROTECTION
Report unauthorized charges, loss, or theft of your card and we will have you covered. All you need to do is to provide us with written notice of the claim within 30 days of the incident.
Please visit www.cardholderbenefitsonline.com for more information.
EXTENDED WARRANTY
Emirates NBD provides you with an extended coverage for an additional 12 months from the expiry date of the original warranty.
Please visit www.cardholderbenefitsonline.com for more information.
CREDIT SHIELD
Credit Shield is an invaluable insurance benefit which covers your credit card outstanding balance should any unforeseen circumstances result in death or permanent and total disability (God forbid).
This is an optional feature and will be charged at a percentage of the outstanding balance at the end of each month. Customers have the flexibility to activate or deactivate this feature at their convenience.
Assistance Services
Always by your side
SMS ALERTS
Receive SMS alerts after every transaction you make which allows you to immediately identify any unauthorized use.
24 HOUR ASSISTANCE
For any queries related to your card call Emirates NBD toll free number 800 754 7777.
ONLINE ACCESS
Access your card account from anywhere in the world. You can monitor your balance, make transactions, and pay your bills through your Emirates NBD online banking account.
PURCHASE PROTECTION
Shop with confidence. With Purchase Protection,your purchases are insured in case of loss, accidental damage or theft.Please refer to www.cardholderbenefitsonline.com for full policy details.
BILL PAYMENTS
Use your Emirates NBD Infinite Credit Card to pay your utility bills.
UAE Offers
We bring the best UAE has to offer
Being one of the largest regional banks, we also have exclusive offers for our customers when they travel to the UAE for business or leisure; be it restaurants, family entertainment or health clubs and spas.
Additional Benefits
Infinite Credit card brings you a host of additional benefits
Dragon Dining
- Get complimentary access to over 200 airport restaurant offers globally. Please download the app “Dine & Fly” and complete a simple registration in order to begin redeeming.
- View the Terms and Conditions on the DragonPass Dine & Fly app.
YQ Meet & assist
- YQ is a global network of specialist airport meet & assist service partners. Card holders are eligible for discounts up to 15% on services such as limo transfer, visa on arrival, baggage porters etc.
- Book via https://cemea.yqnowgroup.com and the discount is applied directly to the transaction.
Hotels.com
- Get an 8% discount on hotel stay bookings via www.hotels.com , a leading provider of hotel accommodation worldwide.
- Simply visit www.hotels.com/visa and at the time of payment, use promo code “VISA8” to receive the discount.
Agoda.com
- With access to over 985,000+ locations worldwide, agoda.com truly does offer the world at your fingertips. Receive up to an additional 12% off your booking when choosing properties listed as promotion eligible.
- The Promotion is not available on all merchant properties and can be availed only by visiting the following URL: www.agoda.com/visamena.
Entertainer
- Get complimentary access to the xperience with the Entertainer and avail Buy one get one free offers and discounts through selected merchant partners in the UAE, KSA, Qatar, Kuwait, Bahrain, Oman, Lebanon, and Jordan.
- Simply need to visit the app store and download the app ‘xperience with the Entertainer’ and complete registration.
Disclosure Schedule
| Card | APR | Annual Interest Rate | Monthly Minimum Payment % | Months to Payoff | Balance | Annual Fee |
| Infinite | 45.02% | 26.4% | 5% | 72 | 7,000 | SAR 700 |
- APR is subject to change depending on the card’s credit limit and outstanding balance.
- Bank reserves the right to change fee and rates at any time with appropriate notice to customers.
- Product tiers (Platinum or Infinite) and the Credit Limit assigned to customer is subject to Bank's internal policies and review of customer's credit report
- Minimum Income required for Infinite cards is SAR 30,000
For the detailed fees and charged schedule, please click here.
Infinite Credit Card Calculator
Select Credit Limit SAR
APR is subject to change depending on the card's credit limit and outstanding balance.
Product tiers (Platinum or Infinite) and the Credit Limit assigned to customer is subject to Bank's internal policies and review of customer's credit report
Minimum Income required for Infinite cards is SAR 30,000
Last modification : 15th August 2020
APR 55%
Annual Fee 1000 SAR
2,730 % *
Bank reserves the right to change fee and rates at any time with appropriate notice to customers
*Subject to terms and conditions.
Fees & Charges
| Emirates NBD Credit Cards | Infinite |
|---|---|
| Membership Fees | |
| Annual Fee | SAR 700 |
| Supplementary Cards (Up to 5 Cards) | Free |
| Other Fees and Charges | |
| Annual Percentage Rate (APR)* | 45.02% |
| Interest Rate (Retail Purchases) Interest Rate (Cash Advanse) |
2.20% |
| Cash Advance Fee | SAR 75 |
| Late Payment Fee | SAR 100 |
| Foreign Currency Transaction Fee | 2.20% |
| Card Replacement Fee | SAR 50 |
| Copy of Sales Voucher | SAR 50 |
| Credit Shield | 0.49% |
| Duplicate Statement Fee (per copy) | |
| Up to last 3 months | Free |
| General | |
| Payment Due Date | 23 Days |
| Credit Period | Up to 53 Days |
| Minimum Payment Due | 5% or SAR 100 (whichever is higher) |
| Cash Advance Limit | 30% |
Since you opened this page
people have used their Emirates NBD Credit Card.
Why don't you join them?
- Required Documents
- Filled application form
- Copy of your original ID
- Salary Certificate
- Valid salary slip
- Original bank statement for the last 6 months
- Example of how interest is calculated
Example 1 (Month 1): Assuming that the Cardholder is assigned the statement billing date as 7th day of every month and he does the following transactions in the billing period 7th March and 7th April.
- Retail purchases worth SAR 10,000 on March 10th
- Cash withdrawal of SAR 6,000 on 1st April
It is assumed that no previous balance is carried forward from the March 7th statement, the Cardholder will receive his April 7th statement detailing total transactions of SAR 16,075 (principal balance + cash advance fee of SAR 75 for every cash withdrawal).
The Cardholder needs to make a payment towards the outstanding within 23 days from the statement date (due date: April 30th). The payment can range between 5% and 100% of the outstanding amount.
Total interest charges for cash advance billed in the statement of April 7th will be SAR 6,075 x 26.4% x 7 days / 360 days* = SAR 31.19
* Interest on cash advance transactions is calculated on a daily basis since date of transaction until cash advance transaction amount is fully settled.
Example 2 (Month 2): In the following month starting April 7th, Cardholder will have the carry forward balance of SAR 16,106.19. In case a partial payment of SAR 3,000 is received on April 29th, interest charges for the May 7th statement will be calculated as per the following:
- Retail transaction since date of transaction (Mar 10th) until date of payment (April 29th): SAR 10,000 x 26.4% x 50 days / 360 days** = SAR 366.67
- Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): SAR 10,000 x 26.4% x 9 days / 360 days** = SAR 66.00
- Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): SAR 6,106.19 x 26.4% x 21 days / 360 days = SAR 94.04
- Cash balance since date of payment (April 29th) until statement issuance date (May 7th): SAR 3,106.19 x 26.4% x 9 days / 360 days = SAR 20.50
Total interest charges billed in the statement of May 7th will be SAR 547.20
**Interest on retail transactions is calculated on a daily basis since date of transaction, if the outstanding balance is not fully settled by the payment due date.
Example 3 (Month 3): Starting May 7th, Cardholder will have the carry forward balance of SAR 13,653.39. In case the customer does following transactions during this month:
- Partial payment of SAR 3,500 on May 10th
- Retail transaction of SAR 3,000 on May 16th
- Cash withdrawal transaction of SAR 600 on May 18th
Interest charges will be calculated as per the following:
- Retail balance since last statement issuance date (May 7th) until date of payment (May 10th): SAR 10,432.67 x 26.4% x 2 days / 360 days = SAR 15.30
- Retail balance since date of payment (May 10th) until statement issuance date (June 7th): SAR 10,000 x 26.4% x 29 days / 360 days = SAR 212.67
- Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): SAR 3,220.72 x 26.4% x 2 days / 360 days = SAR 4.72
- Cash balance since date of payment (May 10th) until statement issuance date (June 7th): SAR 153.39 x 26.4% x 29 days / 360 days = SAR 3.26
- New cash advance since date of transaction (May 18th) until statement issuance date (June 7th)* : SAR 675 x 26.4% x 21 days / 360 = SAR 10.40
Total interest charges billed in the 7th of June statement will be SAR 246.35
- Example of minimum payment
Card Months to Payoff Monthly Minimum Payment% Annual Interest Rate Balance Infinite 72 5% 26.4% 7,000
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