Visa Infinite Debit Card

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.

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

New Visa Eligibility Criteria:

Effective 2 February 2026, and in accordance with Visa’s instructions, the eligibility criteria will be applied for access to airport lounge services. Eligibility and continued access to the service are subject to the policies of the Visa Airport Companion program. (In addition to our existing eligibility in point “6” below ).

• Cardholders must complete international purchase transactions with a cumulative value equivalent to USD 100 within the preceding (90) days to be eligible for airport lounge access
• No complimentary airport lounge visits are available unless the eligibility requirement has been met
• Eligibility is fulfilled through purchase transactions made using the card at POS or online merchants outside KSA, and it may take up to (15) days for the transaction to be reflected in airport lounge service provider systems
• If the complimentary access limit including guest visits is exceeded, an additional fee of USD 32 per person per visit will apply
• Lounge access eligibility is reset every (90) days, and the eligibility requirement must be met again to continue using the service

For more information, please download Visa Airport Companion App.

Follow these simple steps to enjoy airport lounge access:

1. Airport lounge access for all credit cards is offered by Visa and their third-party provider(s) subject to the terms and conditions as mentioned in the Visa Airport Companion App
2. To benefit from the lounge access program, it is mandatory to download the VISA Airport Companion App from the Apple Store or Google Play Store and register your eligible card
3. The (VAC) “Visa Airport Companion” serves as a validity check for the access to the lounges, and associated benefits
4. Enjoy access to 1,200 airport lounges worldwide
5. The Cardholder is entitled to unlimited lounge visits + one (1) guest (for each visit)
6. In addition of Visa Airport Companion terms and conditions, customer must spend a minimum amount of 3,000 during the month the respective benefit was utilized excluding transfer made to digital wallets and digital banks
7. If customer spends below the required monthly spend of 3,000 in the month when the airport lounge access benefit was utilized, the cardholder will be levied an airport lounge access fee within 3-statement cycles from the actual date of the visit to the lounge
8. If your credit card is renewed/reissued with a different number, spend criteria as mentioned in clause “6” above must be adhered to avoid being charged a fee for the lounge visit

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)*	51.66%
Interest Rate (Retail Purchases) Interest Rate (Cash Advance)	3.20%
Cash withdrawal fees (ATM withdrawal, current account transfer)	3% of the withdrawal amount with a maximum of 75
Cash advance fee (electronic wallet charging)	Free
Late Payment Fee	50
Foreign Currency Transaction Fee	2.00%
Card Replacement Fee	15
Copy of Sales Voucher	50
Duplicate Statement Fee (per copy)
Up to last 3 months	Free
General
Payment Due Date	25 Days
Credit Period	Up to 53 Days
Minimum Payment Due	5% of the outstanding limit
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.

Car Rental

• Enjoy up to 20% off with AVIS rent car via www.avisworld.com/visa
• 10% off with Budget across the world via http://www.budgetinternational.com/visa

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.

How to book:

• Visit emiratesnbdbenefits.thriwe.com/login to Register or Log in
• For new users enter the first 6 and last 4 digits of your Emirates NBD Credit Card > select KSA Infinite Credit Card > then click "Book Now"
• Select the Airport Pickup/Drop off service
• Choose Pickup & Drop off Location > Select Pickup Date & Time > Add number of passengers, luggage and flight number
• After submitting the booking, you'll see a summary of your trip, then click "Place Booking"
• A temporary, refundable authorization fee of AED 2 will be applied to verify your card
• You will receive a booking confirmation email within 72 hours

Terms and conditions - UAE:

• Offer is valid until 30 June 2026
• 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 25 June 2025 need to be placed on or before 22 June 2025)
• 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
• If you need further assistance, please call: 800 754 7777
• Infinite tier Emirates NBD KSA Credit Cardholders will need to maintain a monthly minimum spend of 3,000 during the month the respective benefit is utilized
• If the spend is below the required amount, where applicable, the cardholder will be charged an actual fee based on the trip details + VAT for the benefit utilized on their credit card within 3 statement cycles from the actual date of the utilization of the benefit