Infinite card
ksa_visa_infinite_credit_card

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.
Free for the first year
Free for the first year
Unlimited Cashback point plus rewards
Unlimited Cashback - point plus rewards
Unlimited Visits Airport Lounge Access &43 one 1 guest for each visit
Unlimited Visits Airport Lounge Access + one (1) guest (for each visit)
Exclusive UAE Offers
Exclusive UAE Offers

*Applicable on selected merchants only

Plus Points

Get rewarded for
all your retail 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

SAR 0 SAR 4,000
SAR 0 SAR 30,000
SAR 0 SAR 3,000
SAR 0 SAR 3,000
SAR 0 SAR 5,000

With Emirates NBD Infinite Credit Card, you could earn

SAR {0} Cashback

per month, which is equal to {0} 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

Travel, Leisure & Lifestyle Benefits

Elect a journey with a peace of mind

Visa Airport Companion
24-Hour Concierge
Entertainer
VAT processing – Blue Lounge
eSim Data
Car Rental

Financial & Security Benefits

We have got you covered wherever you go

Installment Payment Plans
Bill Payments
Purchase Protection
Fraudulent Card Misuse Protection
Extended Warranty
Cash Advance

Assistance Services

Always by your side

SMS Alerts
24 Hour Assistance
Online Access

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.
Bon Appetit

Bon Appétit

An exclusive dining experience
Know more
Good Times

GoodTimes

Open up a world of unique experiences
Know more
LiveWell

LiveWell

Find the healthier you, inside and out
Know more

Additional Benefits

Infinite Credit card brings you a host of additional benefits

Dragon Dining

Dragon Dining

Get complimentary access to over 200 airport restaurant offers globally
Know More
Agoda

Agoda.com

With access to over 985,000+ locations worldwide
Know More
Entertainer

Entertainer

Get complimentary access to the xperience with the Entertainer
Know More
Hotels

Hotels.com

Get an 8% discount on hotel stay bookings via www.hotels.com
Know More
YQ Meet

YQ Meet & assist

YQ is a global network of specialist airport meet & assist service partners
Know More
Dragon Pass

Visa Airport Companion

Enjoy your stress-free trip with access to 1200 airport lounges around the world
Know More

Disclosure Schedule

Card APR Annual Interest Rate Monthly Minimum Payment % Months to Payoff Balance Annual Fee
Infinite 48.07% 35.88% 5% 85 7,000 700

*APR Calculated on Credit Limit Amount of 30,000

  • 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 30,000

For the detailed fees and charged schedule, please click here.

Infinite Credit Card Calculator

SAR 0 SAR 0
Click here for Fees & Charges

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 30,000

Last modification : 26th July 2023

APR
Annual Fee
{0}

Monthly Interest Rate is
{0} % *

Bank reserves the right to change fee and rates at any time with appropriate notice to customers

*Subject to terms and conditions.

  • Filled application form
  • Copy of your original ID
  • Salary Certificate
  • Valid salary slip
  • Original bank statement for the last 6 months

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 10,000 on March 10th
  • Cash withdrawal of 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 16,075 (principal balance + cash advance fee of 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 6,075 x 35.88% x 7 days / 360 days* = 42.38

* 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 16,117.3. In case a partial payment of 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): 10,000 x 35.88% x 50 days / 360 days** = 498.3
  • Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): 10,000 x 35.88% x 9 days / 360 days** = 89.7
  • Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): 6,117.3 x 35.88% x 21 days / 360 days = 128.04
  • Cash balance since date of payment (April 29th) until statement issuance date (May 7th): 3,117.3 x 35.88% x 9 days / 360 days = 27.96

Total interest charges billed in the statement of May 7th will be 744.03

**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 13,861.42. In case the customer does following transactions during this month:

  • Partial payment of 3,500 on May 10th
  • Retail transaction of 3,000 on May 16th
  • Cash withdrawal transaction of 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): 10,588.03 x 35.88% x 2 days / 360 days = 21.11
  • Retail balance since date of payment (May 10th) until statement issuance date (June 7th): 10,000 x 35.88% x 29 days / 360 days = 289.03
  • Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): 3,273.38 x 35.88% x 2 days / 360 days = 6.52
  • Cash balance since date of payment (May 10th) until statement issuance date (June 7th): 361.42 x 35.88% x 29 days / 360 days = 10.45
  • New cash advance since date of transaction (May 18th) until statement issuance date (June 7th) * : 675 x 35.88% x 21 days / 360 = 14.13

Total interest charges billed in the 7th of June statement will be 341.24

Examples are Excusive of Value Added Tax 15%

Card Months to Payoff Monthly Minimum Payment% Annual Interest Rate Balance
Infinite 85 5% 35.88% 7,000
  • Filled application form
  • Copy of your original ID
  • Salary Certificate
  • Valid salary slip
  • Original bank statement for the last 6 months

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 10,000 on March 10th
  • Cash withdrawal of 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 16,075 (principal balance + cash advance fee of 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 6,075 x 35.88% x 7 days / 360 days* = 42.38

* 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 16,117.3. In case a partial payment of 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): 10,000 x 35.88% x 50 days / 360 days** = 498.3
  • Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): 10,000 x 35.88% x 9 days / 360 days** = 89.7
  • Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): 6,117.3 x 35.88% x 21 days / 360 days = 128.04
  • Cash balance since date of payment (April 29th) until statement issuance date (May 7th): 3,117.3 x 35.88% x 9 days / 360 days = 27.96

Total interest charges billed in the statement of May 7th will be 744.03

**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 13,861.42. In case the customer does following transactions during this month:

  • Partial payment of 3,500 on May 10th
  • Retail transaction of 3,000 on May 16th
  • Cash withdrawal transaction of 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): 10,588.03 x 35.88% x 2 days / 360 days = 21.11
  • Retail balance since date of payment (May 10th) until statement issuance date (June 7th): 10,000 x 35.88% x 29 days / 360 days = 289.03
  • Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): 3,273.38 x 35.88% x 2 days / 360 days = 6.52
  • Cash balance since date of payment (May 10th) until statement issuance date (June 7th): 361.42 x 35.88% x 29 days / 360 days = 10.45
  • New cash advance since date of transaction (May 18th) until statement issuance date (June 7th) * : 675 x 35.88% x 21 days / 360 = 14.13

Total interest charges billed in the 7th of June statement will be 341.24

Examples are Excusive of Value Added Tax 15%

Card Months to Payoff Monthly Minimum Payment% Annual Interest Rate Balance
Infinite 85 5% 35.88% 7,000

Frequently Asked Questions

No, you won't be able to access lounges using your physical VISA card, only via VISA Airport Companion App.

Download from App Store

Download from Google Play

Yes, to register on the App, you will need to enter your Visa card details to verify the cardholder privileges.

No, registration must be completed via the app before you can access the lounge. You can register from anywhere with an internet connection. We highly recommend registering prior to arriving at the lounge to ensure a seamless entry experience.

Yes, you are welcome to bring guests to the lounges. If you do not have complimentary guest visits, you can still invite guests for an additional fee, which will be charged to your registered VISA card.

VISA Airport Companion App is a fully digital, app-based experience. Unfortunately, without a smartphone, you will be unable to utilize this service.

No, you won't be able to access lounges using your physical VISA card, only via VISA Airport Companion App.

Download from App Store

Download from Google Play

Yes, to register on the App, you will need to enter your Visa card details to verify the cardholder privileges.

No, registration must be completed via the app before you can access the lounge. You can register from anywhere with an internet connection. We highly recommend registering prior to arriving at the lounge to ensure a seamless entry experience.

Yes, you are welcome to bring guests to the lounges. If you do not have complimentary guest visits, you can still invite guests for an additional fee, which will be charged to your registered VISA card.

VISA Airport Companion App is a fully digital, app-based experience. Unfortunately, without a smartphone, you will be unable to utilize this service.

Yes, you can add multiple eligible Visa cards to your Visa Airport Companion account. Simply navigate to the membership page and select 'Add new membership' to enter the details of your additional card. Once validated, a new membership linked to that card will be created. You can easily switch between memberships by selecting 'Switch membership' on the membership page.

Each secondary cardholder must register their own account with VISA Airport Companion App, using their personal details, including their name as per their passport and their email address. Lounge staff will verify the name on the VISA Airport Companion App profile, and entry will be denied if it does not match the cardholder’s identity.

Yes, you can enable offline access through your device’s biometrics. Upon registration, you will be prompted to enable offline access, however this must be completed while the App is connected to Wi-Fi or mobile data. This feature can also be managed in the 'Account' section under 'Security'. When offline, you will see a prompt on the login page to view your membership without internet. Confirm using your biometrics to proceed.

Lounge access is subject to availability on the day of your travel. If the lounge is at capacity, we recommend checking the app for alternative lounges you may visit.

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.

BILL PAYMENTS

Use your Emirates NBD Infinite Credit Card to pay your utility bills.

Buyers 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.

SADAD Bill payments

Use your Emirates NBD Infinite credit card to pay via internet banking or phone banking for SADAD.

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.

SMS ALERTS

Receive SMS alerts after every transaction you make which allows you to immediately identify any unauthorized use.

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.

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.

Visa Airport Companion

Visa Airport Companion App brings you luxury airport lounge access privileges, in partnership with Dragon Pass.

Starting October 1st 2024, you will need to be registered through the App to access your Premium Visa card airport benefits.

Follow these simple steps to enjoy airport lounge access:

  • Download the Visa Airport Companion App starting today
  • Register with your eligible Visa card ahead of your trip
  • Enjoy access to 1,200 lounges worldwide
  • To utilize the subsequent complimentary airports lounges every calendar year, cardholder must spend 1USD or equivalent in non-Saudi Riyal on both the primary and supplementary cards 15 days prior visiting airport lounges. If the purchase criteria are not met, then cardholder will be charged for each use entry
  • The Cardholder is entitled to unlimited lounge visits + two (2) guests (for each visit)
  • To be eligible for unlimited visits, the Cardholder needs to spend one transaction non-Saudi Riyal equivalent to USD1 in each calendar year

Through the App, you can discover a curated selection of lounges across global airport destination, complete with bespoke privileges linked to your Visa card. Moreover, you can instantly access the latest information on all the airport lounge access available.

For more information on your lounge benefits.

Download from App Store Download from Google Play

Terms and Conditions apply.

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.

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.

Visa Airport Companion

Visa Airport Companion App brings you luxury airport lounge access privileges, in partnership with Dragon Pass.

Starting October 1st 2024, you will need to be registered through the App to access your Premium Visa card airport benefits.

Follow these simple steps to enjoy airport lounge access:

  • Download the Visa Airport Companion App starting today
  • Register with your eligible Visa card ahead of your trip
  • Enjoy access to 1,200 lounges worldwide
  • To utilize the subsequent complimentary airports lounges every calendar year, cardholder must spend 1USD or equivalent in non-Saudi Riyal on both the primary and supplementary cards 15 days prior visiting airport lounges. If the purchase criteria are not met, then cardholder will be charged for each use entry
  • The Cardholder is entitled to unlimited lounge visits + one (1) guest (for each visit)
  • To be eligible for unlimited visits, the Cardholder needs to spend one transaction non-Saudi Riyal equivalent to USD1 in each calendar year

Through the App, you can discover a curated selection of lounges across global airport destination, complete with bespoke privileges linked to your Visa card. Moreover, you can instantly access the latest information on all the airport lounge access available.

For more information on your lounge benefits.

Download from App Store Download from Google Play

Terms and Conditions apply.

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.

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 concierge@visainfinite-mea.com, or call  +9714 361 1234 for more information.

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.

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.

Download from App Store Download from Google Play

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.

Credit Shield

Credit Shield is an invaluable insurance benefit which all ENBD-KSA cardholders can subscribe for. This benefit covers your credit card outstanding balance in any unforeseen circumstances result in death or permanent total disability (God forbid).

  • Insurance Coverage:
    • Death
    • Permanent Total Disability (Accident & Sickness)
    • Maximum Coverage up to SAR 200,000 on outstanding credit card balance
  • Service Enrollment Fees: Credit Shield cover is charged by a nominal fee of 0.49% of total outstanding credit card statement balance end of each month
  • Age Limit for service: Minimum eligible age for subscription is 18 years, and maximum age is 69 years (Gregorian calendar)
  • The benefit coverage ends after subscription:
    • At age 70 for permanent total disability
    • At age 75 for death

For more inquiry’s or activate/deactivate this service, please call our Emirates NBD Customer service number 8007547777.

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.

Fees & Charges

Emirates NBD Credit Cards Infinite
Membership Fees
Annual Fee 700
Supplementary Cards (Up to 5 Cards) No Fee
Other Fees and Charges
Annual Percentage Rate (APR)* 48.07%
Interest Rate (Retail Purchases)
Interest Rate (Cash Advance)		 2.99%
Cash Advance Fee (of 5,000 or less) 75
Cash Advance Fee (more than 5,000) 3% up to 300
Late Payment Fee 100
Foreign Currency Transaction Fee 3.10%
Card Replacement Fee 50
Copy of Sales Voucher 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 100 (whichever is higher)
Cash Advance Limit 30%

All Charges are subject to Value Added Tax 15%.

*APR Calculated on Credit Limit Amount 30,000 and is inclusive of VAT.

Terms and conditions - UAE:

  • Offer is valid until 31st December 2025
  • Airport transfer in UAE covers two Airports: Dubai Airport, Abu Dhabi Airport
  • Only valid for Infinite Credit Cardholders, customer can request up to 4 complimentary airport transfers in one calendar year (January – December). A one-way transfer is considered a drop from airport transfers.
  • All requests should be made 2 clear days prior to the service date excluding the date of placing the request and date of booking (e.g. airport transfer request for June 25th, 2024 need to be placed on or before June 22th, 2024).
  • Airport transfer is available only if the air ticket has been purchased through Emirates NBD Infinite Credit Card.
  • Transfers between Emirates are not valid.
  • Service available for Infinite Credit Card issued by Branch of Emirates NBD Bank - Kingdom of Saudi Arabia (hereinafter referred to as Emirates NBD”).
  • Airport Transfer in UAE Services are provided by our authorized third party service provider Thriwe Consulting FZ LLC. Emirates NBD makes no warrants and assumes no liability or responsibility with respect to the services provided by the Service Provider.
  • A charge of AED 1 will be made on your card as a confirmation of your service for which you will receive an SMS alert on your registered mobile number. However this amount will not reflect in your card statement.
  • Only Valid for transfers within city limit of UAE.
  • These Terms and Conditions has been drafted in both Arabic and English version and in case of discrepancies, the Arabic shall prevail.
  • These Terms and Conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia laws and the Committees for the Banking and Financial Disputes and Violations shall the non-exclusive jurisdiction over any dispute related to these Terms and Conditions.

Car Rental

Cash Advance

Cash withdrawal up to 30% of your Credit Card limit.

*Terms and Conditions apply.

eSim Data

  • Enjoy 25% off on all KnowRoaming eSIM data packages by following the below steps:
    • Kindly visit knowroaming.com
    • Click on Visa benefit banner located on the KnowRoaming homepage
    • Log in to an existing account or log in to a new account
    • Enter their Visa Credit Card number in the verification panel
    • Unlock your Visa rewards by following the instructions on the site
    • The discount will be automatically applied during the checkout process

Cash Advance

Cash withdrawal up to 30% of your Credit Card limit.

*Terms and Conditions apply.

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