Choose from our flexible financial options:

Balance Conversion

Convert your current retail outstanding balance into affordable monthly installments.

Loan on Card within credit limit

Get quick access to cash with your Emirates NBD Credit Card—no paperwork, no hassle.

Installment Payment Plan

Turn all your purchases into easy monthly installments (EMIs). Perfect for big purchases, travel expenses and more.

Balance Transfer

Transfer your Credit Card balance from other Banks to your Emirates NBD Credit Card and enjoy lower interest and smaller monthly payments.

Loan Beyond Credit Limit

Take advantage of additional cash above your Credit Card limit

Why choose Emirates NBD Credit Cards?

Earn rewards on all your spends

Earn Skywards Miles, Darna Points & cashback

Travel Benefits

Free airport lounge access, airport pick up & drop off, travel insurance & discounts

Flexible Payment Plans

Low-interest rates & easy instalment options

Exclusive Discounts

Save on dining, shopping & entertainment

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Dining
Travel
Shopping
0% Installment
GoodTimes

Pay on the go with Emirates NBD Cards

Make secure, cashless payments using your compatible phone or wearable.

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Other Cards

Looking for something different?

Debit Cards

Bank in peace with our Emirates NBD Debit Cards

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Commercial Cards

Add value with Plus Points, high cash limits and lifestyle benefits

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Prepaid Cards

A Prepaid Card that can hold up to 15 currencies

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Card Rewards

Enjoy great benefits and rewards with Emirates NBD Cards

Security

Bank with peace of mind when you use our cards

Frequently Asked Questions

What is a credit card?

A credit card is a financial tool issued by banks that allows you to borrow money up to a predetermined limit to make purchases or withdraw cash. The borrowed amount must be repaid by the due date, either in full or through instalments, with interest applicable on outstanding balances. Credit cards also offer various benefits such as rewards, cashback, and travel perks.

What is a cashback credit card?

A cashback credit card rewards you with a percentage of your spending in the form of cash rebates. For example, if a card offers 5% cashback on groceries, you receive AED 5 back for every AED 100 spent. Cashback cards in the UAE often have specific categories like fuel, dining, or online shopping where higher cashback rates apply.

What is balance transfer in a credit card?

A balance transfer lets you move credit card debt to a lower-interest card for easier repayment. Click here for more information.

How can we get a credit card in the UAE?

To apply for a credit card in the UAE, meet the bank’s eligibility criteria. Click here for more information.

Difference between a debit and a credit card?

Debit Card: Linked directly to your bank account, deducting funds instantly when you make a transaction. You can only spend what you have in your account.

Credit Card: Allows you to borrow money from the bank up to a set limit. You need to repay the borrowed amount later, either fully or in installments, with potential interest charges.

What is a credit card?

A credit card is a financial tool issued by banks that allows you to borrow money up to a predetermined limit to make purchases or withdraw cash. The borrowed amount must be repaid by the due date, either in full or through instalments, with interest applicable on outstanding balances. Credit cards also offer various benefits such as rewards, cashback, and travel perks.

What is a cashback credit card?

A cashback credit card rewards you with a percentage of your spending in the form of cash rebates. For example, if a card offers 5% cashback on groceries, you receive AED 5 back for every AED 100 spent. Cashback cards in the UAE often have specific categories like fuel, dining, or online shopping where higher cashback rates apply.

What is balance transfer in a credit card?

A balance transfer lets you move credit card debt to a lower-interest card for easier repayment. Click here for more information.

How can we get a credit card in the UAE?

To apply for a credit card in the UAE, meet the bank’s eligibility criteria. Click here for more information.

Difference between a debit and a credit card?

Debit Card: Linked directly to your bank account, deducting funds instantly when you make a transaction. You can only spend what you have in your account.

Credit Card: Allows you to borrow money from the bank up to a set limit. You need to repay the borrowed amount later, either fully or in installments, with potential interest charges.

How does a credit card work?

A credit card allows you to make purchases or withdraw cash using borrowed funds, which you need to repay within the billing cycle. If you pay the full amount before the due date, no interest is charged. However, if you carry forward a balance, interest will apply. Credit cards in the UAE also offer features like installment plans, reward points, and international spending capabilities.

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Apply

Apply for a Credit Card
Receiving your Card
Pay your Credit Card dues in installments
Balance Transfer

Rewards & Benefits

Understanding your rewards

Request help

Reset your PIN

Update your info

Update your phone number

Everyday banking

Cardless cash withdrawal

Have a question? Visit our Help & Support section for answers to your queries.