• Can I apply for a credit card if my company is not listed with you?

  Yes, you can. Listing your company is not a mandatory requirement to be eligible for a credit card. However, we do recommend that companies get listed, as this impacts approval rate, credit limit and also documentation requirements.

• I want a credit card with limit of 50,000. How much should my salary be?

  Credit limit sanctioned is not just a function of income.

  While assigning credit limit, other factors such as company you work for, your past financial performance history with other banks, your income to liability ratio will also be considered.

  Based on the above, for an AED 50,000 credit limit, your salary should be between AED 12,000 to AED 15,000.

• If my salary is AED 5,000 ,what would be my credit card limit?

  Credit limit sanctioned is not just a function of income.

  While assigning credit limit, other factors such as company you work for, your past financial performance history with other banks, your income to liability ratio will also be considered. Based on these factors credit limit can vary from a minimum of AED 5,000 up to AED 20,000.

• Do you offer credit cards for students?

  We offer credit cards to all residents who are above the age of 21. The occupation of the customer is not relevant as long as he meets all our credit norms, including establishment of source of income.

• How do I get a credit card if I had no credit history with Emirates NBD?

  Having a credit history with Emirates NBD is not at a mandatory requirement.

  Anyone who is a resident of UAE , above the age of 21 and who has a regular income can apply for a credit card with us.

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• Can I apply for a credit card if my company is not listed with you?

  Yes, you can. Listing your company is not a mandatory requirement to be eligible for a credit card. However, we do recommend that companies get listed, as this impacts approval rate, credit limit and also documentation requirements.

• I want a credit card with limit of 50,000. How much should my salary be?

  Credit limit sanctioned is not just a function of income.

  While assigning credit limit, other factors such as company you work for, your past financial performance history with other banks, your income to liability ratio will also be considered.

  Based on the above, for an AED 50,000 credit limit, your salary should be between AED 12,000 to AED 15,000.

• If my salary is AED 5,000 ,what would be my credit card limit?

  Credit limit sanctioned is not just a function of income.

  While assigning credit limit, other factors such as company you work for, your past financial performance history with other banks, your income to liability ratio will also be considered. Based on these factors credit limit can vary from a minimum of AED 5,000 up to AED 20,000.

• Do you offer credit cards for students?

  We offer credit cards to all residents who are above the age of 21. The occupation of the customer is not relevant as long as he meets all our credit norms, including establishment of source of income.

• How do I get a credit card if I had no credit history with Emirates NBD?

  Having a credit history with Emirates NBD is not at a mandatory requirement.

  Anyone who is a resident of UAE , above the age of 21 and who has a regular income can apply for a credit card with us.

• Is there a way to lower my interest rates on my credit card?

  While you cannot reduce your interest rate on any specific product type on a permanent basis, for retail transactions above AED 750, you may choose to convert them into equal monthly installments at a lower interest rate than the applicable rate on the revolving balances. Another option would be to convert your card to another card type which has a lower interest rate. You may refer to our website for the various card products on offer and the applicable interest / charges for each of them.

• Can I have more than one supplementary debit card for my family members?

  Yes, you can have more than one supplementary debit card for your family members.

  Supplementary debit cards can be issued for the following relationship types

  • Family: Parent, Sibling, Spouse, Child
  • House Help: Driver, Maid

   

• What are few ways to avoid credit card penalties?

  Credit card penalties can be avoided by keeping the below basic steps in mind:

  • Know your minimum payment amount and due date and ensure payments are made on or before the due date
  • Activate and set up direct debit facility on your credit card to avoid missed payment charges
  • Monitor your transactions and transaction SMS alerts to ensure you are not exceeding the assigned credit limit on your card

   

• If I am shopping online, should I pay using my credit or debit card?

  You may choose to shop online using your credit or debit card. With Emirates NBD DoubleSecure, you enjoy additional security when you shop online at participating online merchants. All you need to do is to enter a one time Authentication Code when you pay with your Emirates NBD Credit / Debit Card. This Authentication Code will be sent to you as an SMS on your registered mobile number and email address.

• What do you mean by cashback?

  You earn Plus Points for all your retail spends (domestic and international) on your eligible credit cards. You may choose to redeem Plus Points for vouchers, frequent flyer programme miles or cash back. This cash back can be set off against the outstanding balance* on your Credit Card.

  Plus Points can be redeemed for Cash Back in the following conversion ratio:

  • 1 Plus Point = AED 1
  • *Minimum 500 Plus Points required for Cash Back redemption

   

• When should I ideally redeem rewards from the points on my credit card?

  You may redeem rewards accumulated on your credit card at any time, subject to the minimum rewards balance required for each redemption option. You have the following redemption options.

  • Instant Rewards Redemption at over 25 premium partners across more than 600 locations participating partner locations - no minimum rewards balance
  • Gift Vouchers - minimum of AED 100
  • Frequent Flyer Miles - Minimum of 500 points
  • Cash Back - Minimum of 500 points
  • Annual Fee waiver - based on the annual fee

   

• Can I get a credit card statement for one year?

  Yes, you may retrieve your statements for up to one year through our online banking channel or by calling our call center on 600 54 0000.

• Are my purchases abroad protected if paid using my credit card?

  All our cards are CHIP&PIN compliant which provides you with greater security. CHIP&PIN technology uses an embedded micro CHIP to encrypt account information, making it more difficult for unauthorized users to copy or access data. This can reduce fraud on lost, stolen, and counterfeit Cards. When you use a CHIP Card, the transaction is validated when you enter a unique PIN that is setup and known to you.

• How can I make a purchase with the Samsung Pay service?

  Follow the below 4 simple steps to enroll and start making purchases using Samsung Pay

  • Update Software on your device to Android 6.0.1 Marshmallow
  • Log into your Samsung Account from the Samsung Pay app to set your PIN and fingerprint
  • Tap on ADD CARD. Scan or manually enter card details
  • Verify card with SMS option and enter OTP

  You are now ready to start paying with Samsung Pay!

  To make payment with Samsung Pay:

  • Swipe: Swipe up from the home button and scroll to select the card
  • Authenticate: Authorize payment with your fingerprint or enter the Samsung Pay PIN
  • Tap: Place the phone on the terminal

   

• Where can I use Samsung Pay?

  You can use Samsung Pay wherever you use your card. Samsung Pay is accepted for payment on both NFC (contactless) as well as MST (swipe) terminals.

• Which cards are eligible for Samsung Pay?

  All EmiratesNBD debit and credit card are eligible for Samsung Pay.

• Is Apple Pay available only on the new iphone device or on all iOS versions?

  Apple is available on any of the following devices with latest version of iOS, watchOS, macOS

  • iPhone: 7 / 7+, 6/ 6S/ 6S+, SE, 8, 8+, X
  • iPad: Pro, Air 2, Mini 3 / 4 , iPad (2017)
  • Apple Watch: Series 1, Series 2, Series 3, 1stGeneration
  • Mac: Pro with Touch ID , Models launched in 2012 or later with Apple Pay

   

• How can I add my card to Apple Pay?

  Click here for instructions

  Through our Mobile App:

  • Open the latest version of the Emirates NBD Mobile Banking App on your iPhone
  • Tap on Add Cards to Apple Pay from the home screen and use Touch ID to log in
  • Enter the Authentication Code sent by SMS or using Smart Pass
  • Choose the card you want to add to Apple Pay by scrolling up/down and tap on Add to Apple Wallet

  Follow the simple instructions on the screen to get your phone set up for Apple Pay.

  Through the Wallet

  • Open Wallet and tap the Plus icon or select Add Credit or Debit Card
  • Scan your card with your iPhone camera
  • Enter the 3 digit Security Code found on the reverse of your card
  • Accept the Terms and Conditions
  • Enter the Authentication Code sent to the registered mobile number / email address
  • You are now ready to use Apple Pay

   

• Do I get reward points if I use Apple Pay?

  You will get all the benefits, rewards and protection that your Debit or Credit Card currently provides when you pay with Apple Pay.

• Can I get a refund on an item that I have purchased with Apple Pay?

  If you return an item paid with Apple Pay, the store may require you to tap or wave your phone on the payment terminal to complete the transaction for refund. Please talk with the retailer directly to refund a transaction.

• Are there any requirements to apply for a Liability / No Liability letter?

  Yes, you will have to submit the requisite form(s), duly completed to apply for a No Liability Letter. On a case to case basis, other documents might be requested through the branch.

• What are the steps to apply for a Liability/ No Liability Letter for a Credit Card?

  You can submit the application for Liability / No Liability Letter at your nearest Branch, Call Center OR through Online banking. On successful completion of your application, you will be provided with a reference number to track your request.

• What is the difference between a Clearance Letter and a No Liability Letter?

  Clearance Letter states that a specific liability has been cleared while a No Liability Letter states the customer has no existing liabilities.

• Do I have to pay any charges for no-liability letter after the Credit Card is closed?

  Yes, a fee of AED 50, as outlined in the Schedule of Fees and Charges on Bank's official website is applicable.

• What is the time frame to process and issue a Liability / No Liability Letter request?

  Liability / No Liability Letter will be issued within the bank's defined service standard of 7 (seven) business days.

• How will I know that the Liability Letter / No Liability Letter is ready?

  As soon as the letter is ready, you will receive an intimation message on your registered mobile number.

• Where can I collect the Liability / No Liability Letter once it is ready?

  The letter can be collected from the nearest branch based on your convenience, except mall branches. Click here for branch locations.

• What is the validity of the Liability / No Liability Letter?

  Liability / No Liability Letter is valid for 15 days from the date of issuance.