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Find a suitable card and applyGet the most out of your credit card by exploring its different benefits.
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Visit our dedicated support centre for answers to all your banking-related questions.
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Know more about our Wealth servicesLife is uncertain, but you can be prepared to face adversity with our wide range of insurance plans.
Access to over 11,000 stocks and ETFs in Global and UAE markets
Visit our dedicated support centre for answers to all your banking-related questions.
View support centreEveryday banking is a lot easier with our digital banking platforms and services.
Discover more about banking with usWe have over 200 branches and 900 ATMs and CDMs across the UAE and overseas.
Learn more about our services and get the most out of your banking relationship with us.
Visit our dedicated support centre for answers to all your banking-related questions.
Introducing Signature, a programme of distinction reserved for the upper crust of Emirates NBD
Our wealth solutions help you manage your financial future better and achieve your financial goals.
Life is uncertain but you can be prepared to face adversity with our wide range of insurance plans.
Everyday banking is a lot easier with our digital banking platforms and services.
Learn more about our services and get the most out of your banking relationship with us.
We welcome you to a bespoke banking experience tailored to suit your private banking & wealth management needs, should you, your family, or your business have USD 5 Million (or currency equivalent) and above as Assets Under Management with us.
Everyday banking is a lot easier with our digital banking platforms and services.
Discover more about banking with usBegin a rewarding banking journey with bank accounts tailored to your needs.
Find a suitable account and applyDiscover the benefits of being our customer by browsing through our banking packages.
Learn more about banking packagesLearn all about how to use your account's features and benefits to the fullest.
Visit our dedicated support centre for answers to all your banking-related questions.
All our cards offer you an exciting range of rewards and benefits.
Find a suitable card and applyGet the most out of your credit card by exploring its different benefits.
Learn all about how to use your card's features and benefits to the fullest.
Visit our dedicated support centre for answers to all your banking-related questions.
Here's how to make the most out of your loan with us.
Visit our dedicated support centre for answers to all your banking-related questions.
Our various FX products and services help you conduct your international transactions easily.
Our wide range of transfer options make it easier for you to send money locally and internationally.
Learn all about how you can seamless use our services to transfer money.
Our wealth solutions help you manage your financial future better and achieve your financial goals.
Know more about our Wealth servicesLife is uncertain, but you can be prepared to face adversity with our wide range of insurance plans.
Access to over 11,000 stocks and ETFs in Global and UAE markets
Visit our dedicated support centre for answers to all your banking-related questions.
View support centreEveryday banking is a lot easier with our digital banking platforms and services.
Discover more about banking with usWe have over 200 branches and 900 ATMs and CDMs across the UAE and overseas.
Learn more about our services and get the most out of your banking relationship with us.
Visit our dedicated support centre for answers to all your banking-related questions.
Introducing Signature, a programme of distinction reserved for the upper crust of Emirates NBD
Our wealth solutions help you manage your financial future better and achieve your financial goals.
Life is uncertain but you can be prepared to face adversity with our wide range of insurance plans.
Everyday banking is a lot easier with our digital banking platforms and services.
Learn more about our services and get the most out of your banking relationship with us.
We welcome you to a bespoke banking experience tailored to suit your private banking & wealth management needs, should you, your family, or your business have USD 5 Million (or currency equivalent) and above as Assets Under Management with us.
Everyday banking is a lot easier with our digital banking platforms and services.
Discover more about banking with usBalance conversion allows you to convert your Credit Card outstanding balance into easy and affordable installments over tenures up to 48 months. Managing debt has never been easier.
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You can request a Balance Conversion through our website.
Request for a Balance Conversion here.
SMS Balcon to 4456
Balance Conversion is an Installment Plan that allows you to convert your Credit Card retail balance into manageable monthly payments.
Any Emirates NBD primary Credit Cardholder with a minimum retail outstanding balance of AED 1,000 can apply.
Fees are charged on the plan and are subject to change on periodic basis. There’s more information here.
Yes, you can cancel at any time. A foreclosure fee of 1% of the principal outstanding and 5% VAT, will apply. To cancel, call us on 600 54 0000 (UAE) or +971 600 54 0000 internationally.
Yes, if you settle early, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will apply.
Balance Conversion is an Installment Plan that allows you to convert your Credit Card retail balance into manageable monthly payments.
Any Emirates NBD primary Credit Cardholder with a minimum retail outstanding balance of AED 1,000 can apply.
Fees are charged on the plan and are subject to change on periodic basis. There’s more information here.
Yes, you can cancel at any time. A foreclosure fee of 1% of the principal outstanding and 5% VAT, will apply. To cancel, call us on 600 54 0000 (UAE) or +971 600 54 0000 internationally.
Yes, if you settle early, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will apply.
You can apply easily via ENBD X, Online Banking, SMS, Website or Have us call you.
ENBD X App:
Online Banking:
Website:
You can request for a Balance Conversion on our website here.
Have us call you:
SMS Balcon to 4456
Your request will be processed instantly and will be reflected on your next Credit Card statement.
You can choose to pay back over 12, 18, 24, 36, or 48 months.
Yes, you need to have a minimum retail outstanding balance of AED 1,000 to apply for a Balance Conversion plan on your Credit Card.
If you fail to make payments, your Balance Conversion plan will automatically be foreclosed. The full outstanding balance will be due immediately, and regular finance charges will apply to the remaining amount.
No, but you can foreclose your plan by paying a foreclosure fee of 1% of the principal outstanding plus 5% VAT, then rebook the remaining balance into a new plan you wish to select.
With a Balance Conversion plan, you can repay your credit card outstanding balance comfortably in equal monthly installments at a reducing interest rate. You have the flexibility to repay over 12 to 48 months.
Balance Conversion interest is a reducing monthly interest rate determined by Emirates NBD and shall be charged on the converted amount. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.
This facility is available for transactions done on both Primary and Supplementary Cards. However, only Primary Cardholders can raise a balance conversion request.
Even if you prepay the full amount, your plan will remain active until you request cancellation by calling us on 600 54 0000 (UAE) or +971 600 54 0000 internationally. Once you call and cancel, a foreclosure fee of 1% of the principal outstanding and 5% VAT, will apply.
Active Balance Conversion plans must be foreclosed first and then your credit card cancellation request can be processed. Foreclosure fees will apply.
No, you won’t lose any reward points on transactions that are converted to a Balance Conversion plan.
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