Eligibility and documents for credit cards

Find out what you need to apply for an Emirates NBD credit card

Credit card eligibility

We have a range of credit cards with different rewards and benefits for you to choose from. All Emirates NBD credit cardholders can get up to five supplementary credit cards for dependents. 

To apply for a credit card, you must be at least 21 years of age and meet the minimum income requirement for the card.

If you're self-employed, you'll need to have an average bank balance of at least AED 50,000 over the last 3 months. In addition, you may need to open a Fixed Deposit with Emirates NBD which holds the minimum deposit amount required for the card you’re applying for. 

If you're salaried, the requirements are below. 


Documents required

To apply for an Emirates NBD credit card, you need to provide us with the following documents:

  • Emirates ID and passport copies (we'll need to see the originals too)
  • Latest salary certificate
  • Trade license (if you own a business)
  • Bank statements for the last three months (mini ATM statements are fine too)
  • A security cheque may be required (we’ll confirm this at the time you're applying)

Fees and charges

Depending on the type of Emirates NBD credit card you choose, a joining fee and annual membership fee may apply. You will be informed about this at the time of applying for the card.

The joining fee is a one-time fee and will be billed in your first statement. The annual membership fees will be billed in your statement annually.

Learn more about our fees and charges here.



Your credit card application will be processed in 7 to 10 working days. Once your application has been accepted, your card will be delivered to you in 3 to 5 working days. International deliveries may take 7 to 10 working days and a fee of AED 150 + 5% VAT will apply.