Key benefits and highlights:

Explore the best-in-class travel and lifestyle privileges

• Earn Etihad Guest Miles on spends
• 10 Miles per AED 10 spend on Etihad Airways, hotels and dining
• 6 Miles on all other spends¹

• Welcome offer: Up to 200,000 Etihad Guest Miles
• Get 50% Etihad Guest Miles redemption discount voucher upon spending every AED 150,000²
• Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends³
• Get 50% more miles when you sign up for the Express Miles program for a nominal fee of AED 250 per month⁴
• Complimentary airport lounge access to over 1000 lounges worldwide via LoungeKey
• Concierge services to take care of your time-consuming errands
• Valet parking at selected locations in Abu Dhabi
• Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

¹ Etihad Guest Miles earned on retail spends made on merchants located in European Union or under categories, grocery and supermarkets, quick service restaurant (i.e. fast food restaurant), insurance, car dealership, petroleum, transit, government services, utility payments, real estate, education & telecommunication payment will be capped at 1,500 Miles per statement cycle.

² Maximum of 2 vouchers per annum upon reaching a spend of AED 150,000. The voucher issuance will be at an interval of 6 months starting from card issuance date. 

³ Maximum 50,000 Tier Miles can be earned per annum.

⁴ Maximum 4,000 bonus Etihad Guest Miles can be earned per statement cycle.

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Key benefits and highlights:

Good things come in pairs.

• Earn Plus Points on spends
  • 5% rewards on grocery, electronics, utilities, education and fuel
  • 0.5% rewards on other spends including travel, dining, hotels and online
• You’ll get two cards - a Diners Club and a Mastercard credit card so you can benefit from the offers from both
• Buy 1 get 1 movie ticket free offer on Royal Cinemas
• Unlimited complimentary airport lounge access across the world
• Concierge services to take care of your time-consuming errands
• Complimentary access to top golf courses across the UAE
• Valet Parking at selected locations in Abu Dhabi
• Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

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Key highlights & benefits:

• Get up to 200,000 welcome points
• Be automatically upgraded to Marriott Bonvoy Gold Elite status
• Get 5 Elite Night credits towards your next Elite status level and 1 free night when you renew your card
• VIP access to Marriott Bonvoy Moments

Marriott Bonvoy Points

• Earn Marriott Bonvoy Points on spends
• 6 points per US$1 spent at hotels participating in Marriott Bonvoy
• 3 points per US$1 on international and all other spends


• Domestic spends under the following categories earn points as follows:
• Grocery and supermarkets, fast-food restaurants, insurance and car dealerships earn points at 25% of the domestic spend earning rate or 0.75 Points per USD
• Petroleum, transit, government services, utility payments, real estate, education and telecommunication payments earn points at 10% of the domestic spend earning rate or 0.30 Points per USD
• Spends originating in European Union countries earn points at 50% of the international spend earning rate or 1.5 Points per USD.

• A chance to earn up to 50% more points every month on retail purchases if you enroll in the Express Points Programme* for a monthly fee of AED 300
• Transfer points to over 40 airlines for flight bookings

Extra benefits

• Unlimited complimentary access to over 1000 airport lounges worldwide
• Complimentary access to golf courses across the UAE
• Concierge services to take care of your time consuming errands

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Auto Loan

• Minimal documentation with no requirement for Salary Certificate and Driving License
• Easy financing of used vehicles with age up to 12 years
• Flexible repayment options

Terms and conditions apply
*Rates and benefits will be applicable based on the customers segment, their eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

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Personal loan

• Loan amount up to AED 4 Million (UAE Nationals) AED 3 Million (Expats).
• First payment deferment up to 120* days
• Free Insurance & Processing Fee**

Terms and conditions apply.

• Rates and benefits will be applicable based on the customers segment, their eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
• *120 days for Emiratis & 60 to 90 days for Residents depending on the loan type
• **Free Insurance for Expats. Free Insurance and Processing Fee for UAE Nationals

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Home Loan

• Loan amount up to AED 20 Million
• Finance up to 85% of the Property Value
• Benefits of getting a home loan with Emirates NBD
• Mortgage loan buyouts
• Commercial loans for retail spaces & office units
• Home loans for non-residents

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