• Are there any charges on Emirati Debit Card replacement?

  Yes there is a charge on replacement of AED 25 per card.

• What are the charges for renewal of the Emirati Debit Card?

  There are no renewal charges.

• Can an Emirati customer get Emirati Debit Card with any transactional account type or it is offered only for certain specific account types?

  Yes the customer can get Emirati Debit Card with any transactional account type which offers a Debit Card facility as part of the product proposition.

• Can the customer have any other Debit card along with Emirati Debit Card?

  Yes the customer can have other Emirates NBD Debit Cards linked with other accounts.

• How is the Emirati Debit Card different from the Visa Signature Debit Card offered by Emirates NBD?

  The Emirati Debit Card is a Premium Metal Card designed exclusively for Emiratis. It Includes all the benefits and privileges associated with Visa Signature Debit Cards. Additionally, it has offers on exclusive merchants appealing to Emirati taste and preferences.

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• Are there any charges on Emirati Debit Card replacement?

  Yes there is a charge on replacement of AED 25 per card.

• What are the charges for renewal of the Emirati Debit Card?

  There are no renewal charges.

• Can an Emirati customer get Emirati Debit Card with any transactional account type or it is offered only for certain specific account types?

  Yes the customer can get Emirati Debit Card with any transactional account type which offers a Debit Card facility as part of the product proposition.

• Can the customer have any other Debit card along with Emirati Debit Card?

  Yes the customer can have other Emirates NBD Debit Cards linked with other accounts.

• How is the Emirati Debit Card different from the Visa Signature Debit Card offered by Emirates NBD?

  The Emirati Debit Card is a Premium Metal Card designed exclusively for Emiratis. It Includes all the benefits and privileges associated with Visa Signature Debit Cards. Additionally, it has offers on exclusive merchants appealing to Emirati taste and preferences.

• What is a Debit Card and how will it benefit me?

  Your Emirates NBD Emirati Debit Card is a card which allows you instant access to funds in your account and/or any agreed overdraft facility on your account, saving you the need to withdraw cash. Your card will help you manage your finances and monitor your spending, as all transactions made with your card will appear on your bank account statement(s).

• What is the difference between a Debit Card and a Credit Card?

  A debit card is a "buy now, pay now" option, whereas a credit card is a "buy now, pay later option". Therefore, when you use your Emirati Debit Card, there will be no monthly repayments and hence no interest will be charged.

• What is the "AUTHENTICATION CODE" for a Debit Card?

  The "AUTHENTICATION CODE" for a Debit Card is a unique four-digit number that will be sent by SMS to your mobile number registered with the bank in case of:

  • Activation of new Debit Card
  • Activation of replaced Debit Card
  • Reset of PIN
  • Online purchases & payments with your Debit Card
• Is there any validity for the Debit Card "Authentication Code" and can I use it more than once?

  The "Authentication Code" sent for Activation of new/ replaced Debit Card or reset of PIN will be valid for 30 days from the date the SMS is sent to you, and can be used only once. The Authentication Code sent for online transactions is valid for 5 minutes from the time it is sent to you.

• What should I do if I do not receive an "Authentication Code", delete it by mistake or if it expires?

  You can simply call us at +971 60054000 and follow the prompts to generate another Authentication Code for your Debit Card. In case of online transactions, you can click on the "Resend Authentication Code" link on the pop up on the merchant page. If the authentication code has expired, the merchant page on which you are transacting would in most cases have expired in 5 minutes too. In such a case, you will need to initiate the transaction again and a new Authentication Code will be sent to you.

• Can I use my old PIN number for my renewed Emirati Debit Card or do I have to create a new PIN?

  To activate your renewed Emirati Debit Card, you will have to create a new PIN. However, your old Debit Card PIN will be required to set up the new PIN for your renewed Debit Card. Please refer to the detailed instructions on the reverse of the card mailer sent with your renewed Debit Card, or call us at +971 60054000.

• Will my renewed Emirati Debit Card have the same number as my existing card?

  You will get a Debit Card with a new card number.

• What will happen to my existing Emirati Debit Card after I receive my replacement/renewed card?

  Your existing Emirati Debit Card will be automatically deactivated upon successful activation of the new card. Please make sure to destroy your old Debit Card by cutting it diagonally before disposal.

• Are there any limits on the use of my Emirati Debit Card?

  Your Debit Card enables you to use up to the "Daily Purchase Limit" and "Daily ATM Limit" mentioned on your card mailer, as long as you have sufficient funds in your account or you are within your agreed overdraft facility. However, you can change the Daily Purchase Limit by calling us at +971 60054000 or visiting your nearest Emirates NBD branch (Terms and conditions apply).

• Will my Emirati Debit Card purchases appear on my account statement?

  When you make purchases with your Emirati Debit Card, the transactions will appear on your account statement, along with deposits, processed cheques, ATM withdrawals and other transactions. Having all your transactions in one statement will help you manage your account balances better.

• What happens if I enter an incorrect PIN at merchant terminals or ATMs for my Emirati Debit Card?

  As a security measure to protect your Emirati Debit Card from misuse, your card will be temporarily unusable and may even be captured by the ATM if you enter a wrong PIN multiple times. You will have to call us at +971 60054000 to reset your PIN or unblock your card.

• What should I do if I cannot remember my Emirati Debit Card PIN?

  You can reset or change your Emirati Debit Card PIN through your Online and Mobile banking channels after signing in under the Debit cards menu. Keep your registered mobile number handy to receive OTP, required for PIN change. Alternatively, you need to call us at +971 60054000 and a call center representative will guide you through the steps needed to reset your PIN for your Emirati Debit Card.

• What happens if my Emirati Debit Card is lost, stolen or misused?

  In an instance where your Emirati debit card is lost, stolen or misused, please call us immediately at +971 60054000.

• What is the daily purchase and cash withdrawal limits on the Emirati Debit Card?

  Your Emirati Debit Card daily limits are as below:

  • Daily limit of AED 125,000 for purchases
  • Daily limit of AED 50,000 for cash withdrawals
• Can I increase the daily purchase and cash withdrawal limits on my Emirati Debit Card? If yes, how do I do the changes?

  Yes, you may change your Emirati debit card daily purchase limits at any time through your Mobile Banking app available under the Debit Cards menu. You can also do that by calling us at +971 60054000 or by visiting any of your neared Emirates NBD branches.

  For daily cash withdrawal limit we do not recommend changing it. In case of emergency you can call us at +971 60054000.

• What is the time frame to increase the daily purchase and cash withdrawal limits on my Emirati Debit Card?

  Once we receive your request, the requested change in the limit will be updated instantly.

• Can I decrease the daily purchase and cash withdrawal limits on my Emirati Debit Card?

  You can decrease the daily purchase and cash withdrawal limits on your Emirati Debit Card as well.

• How do I change the name on my Emirati Debit Card?

  If the name on your Emirati Debit Card is incorrect, you can always call us at +971 60054000 and request for a replacement card with the correct name. You can also visit your nearest Emirates NBD branch and request for the same.

• My Emirati Debit Card is about to expire. What do I need to do?

  Prior to expiration of your Emirati Debit Card, you should automatically receive the renewed card. If you have not received the same, please contact us at +971 60054000.

• What do I need to do before I use my Emirati Debit Card for the first time?

  You will be required to activate your Emirati Debit Card and generate your card PIN before first use. Please refer to the section "Activating your Debit Card". After successful activation, you are ready to start using your card at supermarkets, restaurants and other establishments around the world.

• Will I get a new PIN with my Emirati Debit Card?

  No, you have to set your Emirati Debit Card PIN while activating your card either over the phone, by calling us at +971 60054000, or by visiting any Emirates NBD ATM.

• Is it mandatory for me as a customer to have a mobile number whilst using my Emirati Debit Card?

  It is advised for you to have a mobile number whilst using your Debit Card to ensure that we provide any important updates to you instantly including transaction alerts. Also, the "Authentication code" required for Debit Card activation, PIN reset and to complete online purchases & payments with your Debit Card will be sent to your mobile number registered with the Bank. Please ensure that your mobile number is updated in the bank's records at all times.

• Can I use my Emirati Debit Card abroad?

  You can use your Credit or Debit Cards abroad to make purchases and to withdraw local currency from cash machines as and when you need it.

• I would like to use my Emirati Debit Card abroad. What are the important points that I should be aware of?

  Check your card to make sure it is valid. If your card is expiring before you travel and you have not received your renewed card, please call us at our helpline +971 60054000.

  Keep a note of your card number and the Emirates NBD helpline number in a safe place separate from your physical card.

  Keep your registered mobile number active even when you travel abroad to ensure you receive SMS alerts for every transaction on your card. We will continue to monitor your account for fraud and unusual transactions whilst you're abroad. We'll contact you if we detect unusual activity. If you keep your mobile phone with you, you'll be able to confirm genuine transactions as soon as we contact you.

  Register for e-statements to track your billing

  Set up Direct Debit to take care of any payments due while you're away.

  Don't share and disclose your PIN to anyone. Keep sales slips as proof of purchase for customs or in case of a dispute, and for reconciling your account when you get home.

• What exchange rate is used when I use my Emirati Debit Card abroad?

  The exchange rate applied is set on a daily basis by VISA or MasterCard depending on the type of Emirates NBD card you have.

• I have lost my Emirati Debit Card while travelling outside UAE. What should I do?

  You may immediately block your card through our Online and Mobile Banking app or contact us at +971 60054000. You may also place a request for a replacement card to be issued and delivered to you at your International location.

• Will I be charged extra for using my Emirati Debit Card abroad?

  Please be advised, as you will be using your Emirati Debit Card in a currency other than UAE Dirhams (AED), the transaction amount will be converted to AED on the day it is debited from your account. The exchange rate used is determined by Visa. Please note that there is a currency conversion fee for all foreign transactions. Overseas ATM cash withdrawals will also incur an international ATM withdrawal fee, which will be detailed separately on your statement. The fees are set out in our "Schedule of Charges" and can be found by clicking here.

• What is Foreign Currency Transaction Fee conversion and should I use it for my Emirati Debit Card purchases when I travel?

  Some retail merchants have Dynamic Currency Conversion built into their card acceptance system. This allows them to offer you a choice of paying the bill in UAE Dirhams or the local currency. It is recommended to avoid Foreign Currency Transaction Fee Conversion and pay your bill in local currency as higher margin and charges are typically applied by the retailers if you opt to convert your transactions to UAE Dirhams.

• Is it mandatory that I need to inform the bank if I am travelling outside UAE and intend to use my Credit or Debit card?

  It is not mandatory to inform the bank if you are travelling outside UAE and intend to use your card.

• How do I enroll for the complimentary Airport Lounge Key access, with my Emirati Debit Card?

  Please be advised that you are not required to do an enrollment, simply present your Emirati Debit Card to the lounge staff for the lounge staff to process your visit. To view the lounges in the program, and to sign up for the mobile app, visit www.loungekey.com/visasignaturemena.

• Can I avail the complimentary Airport Lounge Key access for my family and friends, with my Emirati Debit Card?

  Being an Emirati Debit Card cardholder, you enjoy unlimited complimentary visits for yourself only, however additional guests will be charged at the rate of USD 27 per guest per visit.

• Who do I contact in case of issues related to Airport Lounge Key access with my Emirati Debit Card?

  For any inquiries or complaints related to Airport Lounge Key, simply call at Emirates NBD helpline +971 60054000.

• How do I redeem the Careem Airport rides?

  To redeem the benefit, you will need to sign-up on Careem, register your eligible Debit card as payment method on the app, and enter the relevant promo-code UAEVS. For more information please visit www.visamiddleeast.com/careem.

• How do I avail the Complimentary Full Multi Trip Travel Insurance with my Emirati Debit Card?

  You are covered for up to USD 500,000 for travel accident and travel inconvenience when you pay your travel with your Emirati Debit Card.

• What benefits do I get for Multi trip insurance with my Emirati Debit Card and who do I contact for inquiries or complaints related to it?

  Use your Emirates NBD Emirati Debit Card to pay for your travel and you will receive complimentary travel insurance in respect of that trip. To download the insurance certificate, visit the online portal https://cardholderbenefitsonline.com/. T&Cs apply

  For any claims, please email [email protected]with the following information:

  • Cardholder's name
  • First 9 digits of covered card number
  • Cardholder's address
  • The policy or section under which the claim applies

  This will initiate the claim process. For your free pre-travel advice or when medical, travel or insurance assistance is needed, please call +971 (4) 253 6024 (Arabic, French, English)

• What do I do to avail the Visa Luxury Hotel privileges with my Emirati Debit Card?

  Being an Emirati Debit Card cardholder, you can avail exclusive benefits such as automatic room upgrade, complimentary breakfast, VIP Guest status and much more. For more information, please visit www.visaluxuryhotels.com.

• What benefits are provided through the Visa Signature Global Concierge Services and how do I avail them with my Visa Emirati Debit Card?

  Being an Emirati Debit Card cardholder, global Concierge Service provides you with everything you need for your personal and business life and is available in several different languages. There is a wide range of service categories from Travel & Entertainment and Leisure to Retail and Personal Services. For more information, please visit www.visamiddleeast.com/signature or 8000 441 3487.

• Do I have to enroll for the Bon Appétit offer with my Emirati Debit Card?

  No, you are not required to enroll for it, please present your card only at the time of payment at participating restaurants.

• Do I earn any reward points on Emirati Debit Card?

  Yes, you can earn rewards such as Plus Points / Red Points for select purchases during promotions.

• What are the VISA benefits under my Emirati Debit Card?

  Being a an Emirati Debit Card cardholder, you can avail a wide range of Visa benefits, such as below:

  • Complimentary Full Multi trip Insurance
  • Complimentary Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Global Concierge
  • Global Emergency Assistance: If you have lost your Visa card, Visa may be able to block your card, send a replacement card and provide emergency cash.
  • Visa Luxury Hotel
• What is the difference between the Visa Signature, Platinum and Classic Debit cards?

  There are certain differences among different types Visa debit cards. Please refer to the below grid to know more:

  	Visa Signature	Visa Platinum	Visa Classic
  Daily Purchase	AED 125,000	AED 75,000	AED 45,000
  Daily Cash Withdraw	AED 50,000	AED 25,000	AED 15,000
  Free International Cash Withdrawal (ICW)	10 free ICW per year	5 free ICW per year *This is applicable only on Beyond Personal Banking	-
  Purchase Protection	USD 20,000 per year	USD 20,000 per year	-
  Extended Warranty	USD 6,000 per year	USD 5,000 per year	-
  Emergency medical/legal referral service	Yes	Yes	-
  Complimentary Full Multitrip Insurance	USD 500,000	-	-
  Complimentary Airport Lounge Access	Yes	-	-
  Global Concierge	Yes	-	-

• In what situations can I avail the Emergency cash and card replacement facility? Who do I contact to avail the same with my Emirati Debit Card?

  In case of an emergency, you can get up to USD 5,000 as an emergency cash advance anywhere in the world. You can also request an emergency card replacement, if you lose your card while travelling. Simply call the Visa 24-Hour Alarm Centre on 8000 021, wait for the prompt, and then enter 866 654 0112 (UAE) or +1 303 967 1096 (international).

• Can I avail the Emergency medical and legal referral facility? Who do I contact to avail the same with my Emirati Debit Card?

  Your Emirati Debit Card entitles you to emergency medical and legal assistance anywhere in the world. You also have 24-hour enquiry services, travel information and other services from interpreters to technicians. To make use of this service, please ensure you purchase your travel using your Emirates NBD Visa Debit Card. For medical and legal referral services, call the Visa 24-Hour Alarm Centre on +44 (0) 20 8762 8373.

• What is Purchase Protection? Who do I contact to submit my claim?

  Purchases on your Emirati Debit Card are covered for up to USD 20,000 per year if they are accidentally broken, stolen, or damaged within a period of 90 days from date of purchase. For further information, or to submit your claim, please call at 8000 441 3487.

• What is the Extended Warranty facility provided with my Emirati Debit Card? Who do I contact for the same?

  If you purchase your household appliances with your Emirati Debit Card and your manufacturer's or retailer's warranty will be automatically doubled up to a maximum of 24 months. There is a maximum cover of USD 6,000 in any one year. For further information, please call at 8000 441 3487.

• Under what conditions does Emirates NBD provide Zero liability against unauthorized or fraudulent use of my Emirati Debit Card?

  Being an Emirati Debit Cardholder, you get a cover for unauthorized use of your lost/ stolen Debit Card for retail transactions, from the time you notify the loss in writing to Emirates NBD.

  Please note:

  • Not valid for PIN based transactions - both ATM withdrawals as well as retail transactions on Chip and PIN terminals.
  • Loss of card should be reported by calling Emirates NBD Helpline at +971 600 54000 and should be followed up with a written notification.
  • You will be liable for all the transactions made on your card prior to reporting loss in writing to Emirates NBD

  Fraudulent Card Misuse Protection:

  Unauthorized charges as a result of loss or theft of their Emirati Debit Card.

  Unauthorized charges incurred when the Emirati Debit Card remained in the cardholder's possession through* :

  • in-store,
  • telephone,
  • ATM withdrawals,
  • on-line purchase(s),
  • By using cardholders' eligible card information

  Per occurrence limit	Annual Aggregate limit
  USD 2,000	USD 4,000