CUSTOMER CARE
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You can instantly convert your purchase to 0% Instalment Payment Plan through any one of our convenient channels - Online Banking, Mobile Banking or at Point of Sale:

Fees are applicable and determined by the bank for that period. It will be specified and you will be notified at the time of application. However you can click here for the generic schedule of charges.

Documents required for individuals*:

• Copy of passport(s) and original passport(s) for validation
• Sponsor's letter of no objection
• Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
  • Appointment Letter / Contract Copy
  • Pay slip (< 3 month old)
  • Consolidated letter from HR for bulk accounts
  • Most recent statement of account where customer's salary is being transferred

Documents required for non-individuals*:

• Commercial/Federal registration certificates (wherever applicable)
• Certificate of commencement of business (for Joint Stock Companies)
• Not applicable for company under formation
• Power of Attorney, if applicable
• Passport copies of the authorized signatories
• BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
• Memorandum and Articles of Association to ascertain the period of company
• For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

*additional documents may be required as per Bank policy

Cheque book can be requested through online banking, mobile banking, IVR, ATMs and branches.

• Minimum Salary requirement: AED 10,000
• Loan up to AED 500K
• Maximum DBR 50%
• Maximum Tenor: 48 months
• Maximum Multiple: 18 times
• ZERO LOS, first salary to be credited
• Age: 21 to 60 years as per Gregorian calendar.

You should activate your Debt 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.

Cardholders can avail a host of benefits through their Diners Club Credit Card

• Airport Lounge
  Unlimited complimentary Airport lounge access worldwide
• Global Privileges
  Your Emirates NBD Diners Club Credit Card entitles you to exclusive savings on travel, dining, entertainment, and much more in a global setting. Click here and select a destination to get started
• Bon Appétit - An exclusive dining experience
  Up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe

It is an innovative remittance service provided by Emirates NBD which allows customers to do instant money transfers to their home country for free.

An equivalent of AED 100 in their respective home currency.

You can get cash advances totaling up to 50% of your credit limit. You can avail cash advance facility through ATM machines. Online Banking and Mobile Banking platform. Cash Advance Fee is applicable for availing this facility. This fess is charged to the Card account on each Cash Advance transaction as specified in the Credit Card service and price guide/schedule of fees & Charges or as determined by the Bank subject to the Bank's sole discretion and subject to changes from time to time and updated on the website emiratesnbd.com/cards.

You can instantly convert your purchase to 0% Instalment Payment Plan through any one of our convenient channels - Online Banking, Mobile Banking or at Point of Sale:

Fees are applicable and determined by the bank for that period. It will be specified and you will be notified at the time of application. However you can click here for the generic schedule of charges.

Documents required for individuals*:

• Copy of passport(s) and original passport(s) for validation
• Sponsor's letter of no objection
• Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
  • Appointment Letter / Contract Copy
  • Pay slip (< 3 month old)
  • Consolidated letter from HR for bulk accounts
  • Most recent statement of account where customer's salary is being transferred

Documents required for non-individuals*:

• Commercial/Federal registration certificates (wherever applicable)
• Certificate of commencement of business (for Joint Stock Companies)
• Not applicable for company under formation
• Power of Attorney, if applicable
• Passport copies of the authorized signatories
• BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
• Memorandum and Articles of Association to ascertain the period of company
• For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

*additional documents may be required as per Bank policy

Cheque book can be requested through online banking, mobile banking, IVR, ATMs and branches.

• Minimum Salary requirement: AED 10,000
• Loan up to AED 500K
• Maximum DBR 50%
• Maximum Tenor: 48 months
• Maximum Multiple: 18 times
• ZERO LOS, first salary to be credited
• Age: 21 to 60 years as per Gregorian calendar.

You should activate your Debt 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.

Cardholders can avail a host of benefits through their Diners Club Credit Card

• Airport Lounge
  Unlimited complimentary Airport lounge access worldwide
• Global Privileges
  Your Emirates NBD Diners Club Credit Card entitles you to exclusive savings on travel, dining, entertainment, and much more in a global setting. Click here and select a destination to get started
• Bon Appétit - An exclusive dining experience
  Up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe

It is an innovative remittance service provided by Emirates NBD which allows customers to do instant money transfers to their home country for free.

An equivalent of AED 100 in their respective home currency.

You can get cash advances totaling up to 50% of your credit limit. You can avail cash advance facility through ATM machines. Online Banking and Mobile Banking platform. Cash Advance Fee is applicable for availing this facility. This fess is charged to the Card account on each Cash Advance transaction as specified in the Credit Card service and price guide/schedule of fees & Charges or as determined by the Bank subject to the Bank's sole discretion and subject to changes from time to time and updated on the website emiratesnbd.com/cards.

Payment hierarchy is an allocation of payment on your Credit Card account. It means that when you make a payments to your Credit Card, the payment hierarchy tells the bank which component of your Card outstanding (fees, interest, principal amount, installment plans etc.) to pay off first.

Any payments made to the card shall be applied in the following order of payment:

• Fees & Charges
• Installment Plans
• 0% DAC
• Cash Advance
• Retail Purchase transactions
• Current transactions
• 0% Balance Transfer

The annual membership fee is charged on your Credit Card on the Card anniversary date.

Yes. Cardholders can load different currencies onto the GlobalCash depending on where they are going. The card is reloadable, so they can use it for all their trips.

The flexibility of reducing or increasing the tenure of an existing Installment Payment Plan is not available.

We will be in touch with you from time to time to inform you regarding KYC document(s) requirement.

Based on the communication you receive from the bank, you may need to submit, some or all of the following documents according to your category:

Individual Customer

• Latest Emirates ID
• Passport
• Visa
• Proof of Residential Address (Utility bill or other bank statement from last 3 months or Valid Tenancy Contract (Ejari))
• FATCA self-declaration Form

Entity / Organization / Company

• Emirates ID Card for all shareholders with >5% holding
• Passport for all shareholders with >5% holding
• Visa for all shareholders with >5% holding
• Proof of Operating Address in UAE (Utility bill or other bank statement from last 3 months)
• Trade License or Certificate of incorporation
• Memorandum & Articles of Association
• Resolution of the Board of Directors to open an account and identification of those who have authority to operate the account
• FATCA self-declaration Form

LoungeKey is an Airport Lounge benefit that offers access to over 500 premium airport lounges in more than 300 cities worldwide, irrespective of the airline or travel class.

The following are the requirements to avail a Personal Loan with Emirates NBD

• Your salary should be transferred to Emirates NBD
• Your employer must be on the Emirates NBD's Approved List of Employers
• Basic literacy and a UAE Residency Status
• Your age must be a minimum of 21years

The following are the requirements to avail a Personal Cash Loan with Emirates NBD

• Your salary should be transferred to Emirates NBD with 6 months banking relationship
• Applicable for customer working in companies outside of the Approved List of Employers
• Basic literacy and a UAE Residency Status
• Your age must be a minimum of 21years

Use your Emirates NBD Credit Cards for all your domestic and international retail spends to earn Plus Points. The number of Plus Points that you will be awarded depends on the type of Card and purchase you make. Please visit www.emiratesnbd.com/cards to get more information related to Points accrual rate on respective Credit Card.

Protect Plus payment benefits against each coverage are as follows:

The customer has to maintain a minimum monthly average relationship balance of AED 3,000

To open an account, visit any of our branches or visit our website to apply for a Standard Savings Account.

There is no minimum amount to open the account; however, a minimum average monthly balance of AED 3,000 has to be maintained in the account to avoid charges.

Interest is calculated on the basis of balance maintained in the account. A minimum average monthly balance of AED 3,000 has to be maintained in the account to avoid charges.

Interest is calculated on the minimum monthly balance and is credited half yearly in to the account.

Multiple banking channels are enabled for Telegraphic Transfer including Emirates NBD branches, Online Banking, and ATMs. IVR can be used only for registered beneficiaries.