Celebrate the 95^th Saudi National Day

Branch of Emirates NBD Bank KSA would like to offer 0.95% flat rate (APR 1.94%) on Personal Finance

Terms & Conditions:

• Salary Assigned Personal Finance to be offered at 0.95% (APR 1.94%)
• The special rate is applicable for employees of Government, Semi Government, retiree and Specific employers (Segments)
• The campaign is valid for all Personal Finance sourced during the National day week starting from 21^st September 2025 till 25^th September 2025
• Applications to be disbursed by 31^st October 2025 for Personal Finance new applications
• For buyout applications, to be disbursed by 5^th October 2025
• The offer is only for salary transfer customers
• The above rates are not applicable for top up / Re-Finance
• Subject to the customer holding or acquiring a credit card
• Minimum age: 21 years
• Minimum salary: SAR 40,000
• Customer age: maximum age 60 years (at the time of maturity of the loan) and 75 years for retiree customers
• Nationality: Saudi Nationals
• Terms and conditions for branch of Emirates NBD Bank KSA Personal Finance shall apply
• Submiting the request does not mean the customer is eligible for the offer, branch of Emirates NBD Bank KSA has the right to accept or reject any case and customer based on the banks policy
• Branch of Emirates NBD Bank KSA reserves the right to amend these Terms and Conditions in accordance with the relevant Laws and regulations. And in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if he violates these terms and conditions or the terms of use of the product or the bank account, or attempts to tamper with the instructions and mechanism for benefiting from this offer
• These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia
• These terms and conditions have been drafted in both Arabic and English version and in case of discrepancies, the Arabic shall prevail
• Customers who paid off their existing personal finance within the last 30 days from the offer date are excluded

Bank’s Terms & Conditions

Terms & Conditions related to the Promotion⁽¹⁾:

• The offer is limited for cases sourced during the period of 21^st September 2025 till 25^th September 2025 for the 2025 Saudi National Day
• ‏The campaign is limited to the first 95 customers only on a first-come, first-served basis
• Customers must complete their documentation requirement within 10 days from the date of sourcing of the application
• Registration of the vehicle to be completed within 15 days for the customer to benefit from the campaign
• The support amount for the 1^st installment will be credited automatically in the system, and the customer is responsible for ensuring the remaining balance is available in their account before the payment date
• The offer is applicable only for Saudi Nationals and limited to financing customers only
• Image used in the ad may differ from the original vehicle and is for reference purpose
• Offer not valid in conjunction with any other promotions
• Please visit the nearest showroom for more information about the minimum income of Regular Financing (1-5 Years)
• Minimum financing amount SAR 100K
• ‏The discount applied on the first installment shall not exceed SAR 2,500 per customer
• Minimum Qualifying Simah Score applies as stated below:
  • Salaried Customers with 0% Down Payment: 550+ Qualifying Score
  • Salaried Customer with 5% Down Payment: 500 up to 550 Qualifying Score
  • Self Employed Customers with 10% Down Payment: 550+ Qualifying Score
• Maximum Balloon Payment for Regular Financing: 35% for Sedans, 40% for SUVs
• Starting APR⁽³⁾ for Regular Financing @ 6.14% with Admin Fee included & Insurance⁽⁴⁾ excluded

  (1) Terms & Conditions Apply
  (2) Based on DBR calculation and eligibility
  (3) Annual Percentage Rate (APR) may vary depending on the financing amount, repayment period, and credit profile
  (4) Insurance premiums vary based on several customer-specific factors such as age, driving history, and vehicle type

Campaign Validity: From 21^st September 2025 till 25^th September 2025

General Terms & Conditions:

• This offer is applicable for the existing and new customers
• Terms and conditions of Auto Lease for Branch of Emirates NBD Kingdom of Saudi Arabia shall apply
• These terms and conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia
• The bank, in its absolute discretion, reserves the right to prevent any individual from benefiting from the offer if the individual violates these terms and conditions or the terms of use of the product or the bank account, or attempts to tamper with the instructions and mechanism for benefiting from this offer
• Branch of Emirates NBD KSA is Licensed and regulated by Saudi Central Bank.
• These terms and conditions have been drafted in both Arabic and English version and in case of any discrepancies, the Arabic version shall prevail

Terms and conditions:

• This promotion is applicable on all Branch of Emirates NBD Bank Kingdom of Saudi Arabia (“Emirates NBD”) Credit Cardholders
• This promotion is applied only when you pay using your Emirates NBD Credit Card
• This promotion runs on 23^rd September 2025
• The top 95 Customers with the highest credit card spend weekly during the campaign period will be eligible for SAR 1,000 Cashback (with no draw)
• Spend includes domestic, international spends and online spends
• SADAD transaction, Cash advance and digital wallet transaction such as STC Pay, URPAY, etc. are not included in the offer
• Transaction should be posted to be considered as eligible spend, transactions that are not posted are not eligible for the offer
• Merchant refunds / reversal will be excluded from total spend calculation
• Cards that are blocked or delinquent will be excluded from the promotion
• Each customer has one chance to get the SAR 1,000 cashback during the promotion period
• The cashback under this promotion will be credit to Credit Card Account by 30 working days from the campaign expiry date