Emirates NBD Business Card
Features & Benefits Guide
Your Business Partner
The Emirates NBD Business Credit Card from Emirates NBD and Emirates Business Rewards has been designed specifically for entrepreneurial, effective business decision-makers.
It gives you a convenient way to manage your business expenses efficiently and allows you to earn Emirates Business Rewards Miles, which can be exchanged for Emirates flights. You can also make substantial savings on a wide range of business expenses, and benefit from real financial flexibility and business protection.
With the Emirates NBD Business Credit Card, you have a versatile, reputable partner to help deal with the essentials of business life, making it easier for you to focus on your strategic priorities.
Travel Rewards
Financial flexibility
- It's Simple - no forms, no faxes; just a phone call, after you have made your purchase on your Emirates NBD Business Credit Card
- It's Flexible - choose your preferred instalment term - 3, 6, 12, 24 and 36 months
- It's Economical - low monthly interest rate
- Standing Instruction to debit your Emirates NBD Savings or Current account
- Online payment if you are an Emirates NBD Savings/Current account holder
- Cash payment through Emirates NBD branches, Cash Deposit Machines in Emirates NBD Branches and through Al Ansari Exchange and UAE Exchange branches
- Cheque payments to Emirates NBD Card Payments Division, P.O .Box 31813, Dubai, UAE.
Travel & Lifestyle benefits
- Enjoy 35% Discount on Green Fee rack rates inclusive of the following:
- Shared golf cart, stocked with bottled waters; towels, tees, pencil and scorecard
- Access to practice facilities prior to play, complimentary Callaway range balls
- 10% off all food & beverage at The Big Easy Restaurant.
- 10% off all Player Development Sessions at the Butch Harmon School of Golf - the first such facility outside the US offering a bespoke coaching structure for both professionals and amateurs who are looking to improve their games.
Business & Personal protection
- Loss of life
- Permanent total disability
- Critical illness
- Visit your local branch
The Emirates Business Rewards Programme
Your Emirates NBD Business Credit Card brings you a valuable travel rewards programme, created in partnership with Emirates Business Rewards. Emirates Business Rewards is a programme designed to help you manage your business travel online at emirates.com and to reward your business for flying Emirates. You earn Business Rewards Miles for each flight booked via the programme, while you and your employees still earn Skywards Miles, giving you even greater earning opportunities when you fly Emirates.
You will also earn Business Rewards Miles for every purchase you or your employees make using the Emirates NBD Business Credit Card. Business Rewards Miles can be exchanged for award flights with Emirates for you or your employees.
Earning Business Rewards Miles
Your company will earn 1 Business Rewards Mile for every US$1 spent using your Emirates NBD Business Credit Card. Supplementary cards issued to your employees will earn miles at the same rate and these will also be accrued in your Business Rewards Account. You can earn double Business Rewards Miles if you use your Emirates NBD Business Credit Card to book and pay for Emirates flights through the Business Rewards online portal. Business Rewards Miles earned with the Emirates NBD Business Credit Card are in addition to the Business Rewards Miles earned directly from Emirates (2 Business Rewards Miles for every US$1 spent).
Earning example
The following example shows the number of Business Rewards Miles that would be earned when booking an Emirates Economy Class round trip between Dubai and London through the Business Rewards online portal, using your Emirates NBD Business Credit Card.
| Fare (excluding taxes and surcharges) | AED 3290 |
| Converted to US$ | US$ 896 |
| Miles earned using your card on Emirates.com | 896 |
| Miles earned from Emirates for online booking | 1792 |
| Total Business Rewards Miles earned | 2688 |
Enrolment in the Business Rewards Programme
Your company will be automatically enrolled in the Business Rewards Programme and you will start earning Business Rewards Miles from the moment you start spending on your card. Emirates will send you an email confirming your enrolment in the programme. You will then be directed to emirates.com where you can access your company's account and invite any of your employees to join the Emirates Business Rewards Programme.
In case you submitted your existing Business Rewards account details at the time of application, the same details will be used for your Emirates Business Credit Card, making it convenient for you to retain the Business Rewards Miles earned in the existing account.
Booking Business Rewards Travel
Booking Business Rewards Travel on www.emirates.ae is just as easy. The Business Rewards Account Administrator can make bookings on behalf of all your business travelers, or nominate an administrator to make bookings on behalf of your company.
For full details of the Business Rewards Programme, to view your miles balance or to redeem your miles, please visit www.emirates.ae and click Business Rewards.
How to redeem and check your Business Rewards
Your Business Rewards Miles earned on your Emirates NBD Business Credit Card can be checked online. Just log on to www.emirates.ae and login through the Business Rewards link on the homepage.
Remember, you will need your existing Skywards account number and password to log on even into Business Rewards account. This is because your Business Rewards account is linked to the original Skywards account.
The Emirates NBD Business Credit Card gives you the financial flexibility to manage your cash flow in a way that suits your business, with a range of specialist services
The Emirates NBD Instalment Plan
With the Emirates NBD Instalment Plan you can buy now and pay conveniently in monthly instalments at a low monthly interest rate, making it easier for you to manage those large, unexpected expenses.
To convert your purchases to the Instalment Plan, just call us on 600 54 0000 within 50 days of making your purchase and choose a plan that best suits your needs.
Flexible Payment Options
Your Emirates NBD Business Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement. You can choose to pay 5%, 10%, 25%, 50% or 100% of your card outstanding balance every month.
Choose from the following convenient options to make your card payments:
For more information, please call 600 54 0000.
Expense management
Consolidated monthly statement
Keep track of all your business expenses, including those of your employees, with one simple consolidated monthly statement.
Online banking
Enjoy online access to your card account from anywhere in the world through the BankNet or CardNet system. You can monitor your card balances and transactions, and also make payments from your Emirates Bank account. If you have an account with Emirates Bank and can access online banking, just link your credit card to your existing relationship. Otherwise, you can access CardNet after registering for the service by visiting Cardnet.
Supplementary cards
You can give up to 5 supplementary cards to your employees, free of charge. What's more you can set the credit limit assigned to each card, giving you complete control.
SMS alerts
Get additional security with free SMS alerts for every transaction made on your card. You are automatically enrolled for this service.
Interest-free days
Your Emirates NBD Business Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
Instant cash
Your card gives you instant access to cash at over 810,000 ATMs worldwide. You can also obtain cash over the counter at any bank branch around the world that displays the Visa symbol. You can withdraw up to 50% of your credit limit as cash. A cash advance fee will be charged.
Utility bill payment
Use your card to conveniently pay your Etisalat, DEWA, and Empost bills through the online payment facility. For more information, please call 600 54 0000.
Airport lounge access
Your Emirates NBD Business Credit Card entitles you to complimentary access* to the lounges at Dubai International Airport and Abu Dhabi International Airport.
Dubai - the Dubai International Hotel First Class Lounge is located in Terminal 1 between Gates 12 and 14 on Departure Level 1
Abu Dhabi - the Airport Hotel lounge is located in Terminal 1 next to Departure Immigration Hall in the Transit area
To avail the complimentary lounge access, simply present your Emirates NBD Business Credit Card at the lounge entrance.
Golf Privileges
Complimentary golf at Towerlinks, RAK*
Enjoy complimentary rounds of golf at Tower Links Golf Course in Ras-Al-Khaimah throughout the year, together with a host of other privileges. To book your tee-off time, please email your name, card number, mobile number and preferred dates** to thinklin@emirates.net.ae OR SMS "GOLF" to +971 (0) 55 617 6283. You will receive a confirmation within 2 business days.
**Bookings should be made at least 7 days in advance
Exclusive benefits at The Els Club, Dubai
The Els Club which is situated in Dubai Sports City, is the first golf course in the Middle East designed by US Open and Open Champion, Ernie Els.
To tee- time reservations, please call +971 (0) 4 425 1010 or click here to email.
Free 24/7 Auto Assist
Help from Auto Assist is just a phone call away anytime anywhere in the UAE if you require any of the following services: Lock out service, Towing Service, Fuel Delivery, Battery Boost and Flat tyre Service.
Call 800 722 to avail of Auto Assist and present your Card to enjoy free assistance.
24 hour Assistance
Call 600 54 0000 for any queries related to your Card, 24 hours a day, 365 days a year.
Branches and ATM network
Enjoy access to a vast banking network with your Emirates NBD Business Credit Card, with over 100 hundred branches and 650 ATMs
Worldwide acceptance
Your Emirates NBD Business Credit Card is accepted at over 30 million Visa establishments worldwide.
The Emirates NBD Business Credit Card comes with exclusive insurance benefits to help protect the capital and assets of your business.
Office insurance
You automatically get free office contents insurance up to AED 100,000, protecting you against loss or damage due to fire, flooding and other natural causes. This covers your office premises and contents, including furniture, fixtures, fittings, office equipment, faxes and telephones, electronic equipment, computers, and stationery. Stocks in trade, including product samples, cash, mobile phones and other handheld devices, are excluded.
Travel insurance
Your Emirates NBD Business Credit Card gives you comprehensive travel insurance benefits, including personal accident cover up to AED 1,000,000. Charge your travel fare to your Emirates NBD Business Credit Card and get insurance cover across the world for any form of travel.
| Personal accident | |
|---|---|
| Accidental death | US$275,000 |
| Permanent total disability due to accident (common carrier) | US$275,000 |
| Travel Insurance | |
| Loss of baggage (common carrier) | US$3,000 |
| US$1,500 Per bag |
|
| US$300 Per item | |
| Baggage delay | US$120 per hour up to maximum of 12 hours Baggage delay in excess of 6 hours |
| Travel delay | |
| Delay in excess of flight of 6 hours and up to max of 12 hours | US$75 per hour |
| Delay in excess of flight of 6 hours and up to max of 12 hours | Up to US$5000 |
| Emergency medical evacuation | Up to US$500,000 |
*Insurance coverage is subject to terms and conditions of insurance policy
Credit Shield
With Credit Shield, you can enjoy the spending power of your card with the assurance that, in the event of any personal mishaps, your outstanding credit card balance will not pose another problem for you or your family. Enjoy two months complimentary cover and pay a nominal rate on the outstanding balances on your credit card thereafter. Credit Shield covers the following:
You are automatically enrolled into Credit Shield. If, at any time, you wish to cancel Credit Shield, please call 600 54 0000.
For more information,call now on 600 54 0000
