A relationship that recognizes your loyalty and is packed with services and product offers

Transaction Banking Relationship

Open a current account, transfer your salary and you will get amazing benefits such as:

Free Banking

Free daily banking* including free international ATM cash withdrawals above USD 300
Free local and international remittances and option to send money in 60 seconds with DirectRemit
Use our award winning Mobile App with innovative features covering security, payments, fund transfers, accounts & cards control, as well as apply for loans and more.

Exciting Privileges

Free Entertainer booklet with vouchers worth AED 20,000
Skywards Signature Credit Cards with 30,000 skywards miles
Benefit from discounts of up to AED 8,000 on Credit Cards, Personal Loans, Auto Loans and Home Loans within 6 months of starting your banking relationship
Save upto AED 3,000 on joining fee of Skywards Credit Card or SPG® World Mastercard with our new bundle offering with metlife insurance products

*Fair use policy applies; penal charges and regular Debit Card usage charges are applicable.

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Beyond Rewards Program

Introducing a simple and transparent loyalty rewards program of where you can win prizes every month based on your product holding. You have a chance to win one of 15 cashback prizes.

12 prizes of AED 2,000 cashback for Dubai, Sharjah and Northern Emirates customers
3 prizes of AED 2,000 cashback for Abu Dhabi and Al Ain customers

For details click here

Special banking privileges
Exclusive for Sanad Cardholders

In line with the "My Community" initiative launched by His Highness Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum, Crown Prince of Dubai and Chairman of Dubai Executive Council, which aims to transform Dubai to disability friendly city by 2020, Community Development Authority (CDA) has launched a smart card titled SANAD (which means "to support" in Arabic) for people with disabilities.

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Beyond Rewards Program

Introducing a simple and transparent loyalty rewards program of where you can win prizes every month based on your product holding. You have a chance to win one of 15 cashback prizes.

12 prizes of AED 2,000 cashback for Dubai, Sharjah and Northern Emirates customers
3 prizes of AED 2,000 cashback for Abu Dhabi and Al Ain customers

As a Beyond from Personal Banking customer you will get entries equivalent to the number of products held with Emirates NBD i.e. Current Account, Savings Account, Fixed Deposit, Credit Cards, Loans, Insurance, Foreign Exchange transactions in the monthly raffle draw without any other terms and conditions on usage, ticket size etc. So if you have a Salary Transfer Account and a Credit Card every month you will be given 2 entries in the raffle draw while your friend would get 4 entries every month if he has a Salary Transfer Account, Credit Card, Auto Loan and an Insurance Plan with Emirates NBD Personal Banking.

Every quarter raffle draws will be conducted and winners will be announced.

Bank reserves the right to revoke/change the rewards program without prior notice

Beyond Rewards Prize Cashback Winners

MR. HEMRAJ SHARMA	Beyond Rewards Cashback Prize for January 2017
MR. MOHAMAD CHEKH KHADOUR
MR. MOHAMMAD HOSSEIN MOUSAVI MOURNANI
MR. KRISHNA RAJESH
MR. BHARAT BHAGRA
MR. KHAIMIS ALKAABI
MS. RACHEL ELIZABETH BALDWIN
MS. DIMPLE ATMARAM LALWANI
MR. TAREK GHONIM
MR. NISAR AHMAD QURESHI
MR. MALA N WICKRAMASINGHE
MS. CATHERINE ANN ALNAJJAR
MR. JITHIN APPUKUTTAN
MR. VINOTH KRISHNA

MRS. DEEPA MENON
MR. GANESH BHUJBAL	Beyond Rewards Cashback Prize for February 2017
MR. DRAGAN NOVAKOVIC
MISS. GABRIELLA FILZER
MR. SYED MASOOD FAZAL HAQ KADRI
MRS. SARAH MARION CHRYSTIE
MRS. IRELENE TOBIAS
MR. ALI MWFAK HRMLANI
MR. MOHAMMAD PARWEZ ASHRAF
MR. AHMAD CHEEMA
MISS. EMMA JAYNE HOPSON
MR. MUHAMMAD RIAZ
MR. HUSSAIN ZAIDI
MR. SADDAM HADDADIN
MR. SANAT SACHAR
MR. SOHAIL BANI HASHEMI
MR. MOHAMED NISHATH JUNIAD	Beyond Rewards Cashback Prize for March 2017
MR.. SHAJAHAN ETTAPURAM MOHAMMED
MR. MOURAD ASKAR
MR. NIKOLA PEROVIC
MR. ANAND SHRIPATI HEGDE
MR. MENA KELADA
MRS. CRISTINA CRUZ
MR. FEISAL AHMED MOHAMED
MR. EMIL SEIN
MS. CYNTHIA KHAWAND
MR. NASSER MOHSEN
MRS. NAZIN BAGHERYNEJAD
MR. SURAJ ALVITO DA COSTA
MR. WALTER RODRIGUES
MR. ALAAELDIN HUSSEIN
MR. ISMAIL KELOTH
MR. SHAH LALANI	Beyond Rewards Cashback Prize for April 2017
MR. MOHAMED SIKKANDAR HAJA MOHIDEEN
MR. SUNIL HARIBHAI SHAH
MR. MOHD AL YASI
MR. VENKATABILASH MURALI DHARAN
MR. PRINU NARAYANAN
MR. ROBERT HAAG
MR. PILAKKAL RAJESH RAHULAN
MISS. JENNIFER LE GROS
MRS. SUMANA JOBIN
MS. SHAMEEMA ASIF MUHAMMED
MR. KISHORE MATHE
MR. MOHAMMED YASIN MEAH
MR. JOSE VICENTE GILABERT CERVERA

Card type	Benefits
Visa Platinum	> Daily cash withdrawal limit of AED 25,000 > Instant access to your funds and enhanced security when you shop. > Access over 1million ATMs worldwide with your chip & pin debit card
Ladies Banking Platinum	Complimentary Female Critical Illness Cover of AED 25,000
Go4it	Get the twin advantages of a Debit Card for making purchases or cash withdrawals, and the RTA Nol Card for making payments on the RTA transit network.
Man Utd Platinum	Express your support for the Champions with the Emirates NBD Man Utd Debit Card - the only Debit Card in the UAE that gives you an opportunity to win Priceless RED Experiences. Enjoy RED Deals that can get you fantastic discounts at premium restaurants, uniteddirect.com, sports stores and much more.

The type of rewards** (you might be interested in)	Our Credit Cards to consider
Travel	> Skywards Signature Card: Skywards Blue membership and earn up to 1.5 miles per 1 USD spend > Dnata World Card: earn up to 2% rewards on retail spends, 10% rewards on duty free shopping and 15% rewards on Dnata spends > Diners Club Card: unlimited complimentary airport lounge access worldwide. For every AED100 retail spend on your Card, you will earn 20 Club Rewards that can be redeemed as gift vouchers
Rewards	> SPG^® World Mastercard: Exclusive five years partnership, Unlimited Complimentary Lounge access to 500+ lounges in over 300 cities > Go4it Platinum Card: RTA benefits related to NOL, Salik. Earn 5x Plus Points on weekends and RTA spends > Platinum Card: Earn 2 Plus Points per AED 100 retail spend > Manchester United Card: Spend within 30 days of receipt of card and get a Man Utd Home Jersey, Spend AED 6,000 in 3 months & get RED BOX and 9 Top spenders - Fully paid trip to watch the match live,Spend AED 250K & get Manchester United memorabilia
Online shopping	Webshopper: online only transactions

What are people asking?

How many "Free Standing Instructions" can I setup up as a Beyond customer?

You can enjoy up to 3 "free standing instructions" as a Beyond customer
Can all international ATM cash withdrawal charges be waived off with the Beyond package?

Only International ATM cash withdrawals greater than USD 300 can be waived off with your Beyond package
When are the international ATM cash withdrawal charges reversed with the Beyond package?

The charges are reversed in the preceding 1 month from the time of the international ATM cash withdrawal transaction.
As a Beyond customer how many Teller transactions would be free of cost?

As a Beyond customer you are eligible for 10 free Teller transactions in a month
As a Beyond customer how many international transactions are allowed?

As a Beyond customer you are eligible for 5 international transactions in a month

How many "Free Standing Instructions" can I setup up as a Beyond customer?

You can enjoy up to 3 "free standing instructions" as a Beyond customer
Can all international ATM cash withdrawal charges be waived off with the Beyond package?

Only International ATM cash withdrawals greater than USD 300 can be waived off with your Beyond package
When are the international ATM cash withdrawal charges reversed with the Beyond package?

The charges are reversed in the preceding 1 month from the time of the international ATM cash withdrawal transaction.
As a Beyond customer how many Teller transactions would be free of cost?

As a Beyond customer you are eligible for 10 free Teller transactions in a month
As a Beyond customer how many international transactions are allowed?

As a Beyond customer you are eligible for 5 international transactions in a month
With the Beyond package what is the daily cash withdrawal limit on the Visa platinum Debit Card?

As a beyond customer your daily cash withdrawal limit on the Visa Platinum Debit Card is AED 25000
As a Beyond customer what is the minimum salary transfer requirement?

As a Beyond customer the minimum salary transfer requirement is AED 15000
What is the minimum balance requirement for a Beyond savings Variant Package?

The minimum balance for a Beyond savings Variant Package is AED 100,000
When is the relationship maintenance fee applicable for Beyond customers under the Savings Variant Package?

Under the savings variant package, a relationship maintenance fee is applicable when the average balance in the account drops below AED 3,000
As a Beyond customer how many free cheque books am I eligible for?

As a Beyond customer you are eligible for one cheque book free of charge.
What are the cheque return charges for a Beyond customer?

For a cheque return a minimal charge of AED 100 will apply to all Beyond customers.
How many stop payment requests can a Beyond customer make for free?

As a beyond customer you can avail 1 stop payment request every quarter.
What is the discount available on a Credit Life Insurance fee for Personal Loans under the Beyond package?

You well get a discount of 25% on the Credit Life Insurance fee for loan amounts between AED 200,000 – 400,000. And 35% for loan amounts AED above 400,000.
What qualifies as the minimum Personal Loan amount to be eligible for the discount on the Credit Life Insurance fee with the Beyond package?

The Credit Life Insurance fee discount is applicable to Personal Loan amounts of above AED 200,000
As a Beyond customer if I avail a Personal Loan after 4 months of Salary Transfer, am I eligible for the discount on the Credit Life Insurance fee?

Yes, credit life insurance fee discount is only valid for 6 months from the time you initiate the salary transfer, not otherwise.
If I apply for an Auto Loan after 60 days of a salary transfer am I eligible for a discount on processing fees with the Beyond package?

Yes, you are most certainly eligible for a discount on processing fees if you apply for an Auto Loan after 60 days of a salary transfer.
What qualifies as a minimum Auto Loan amount to be eligible for the discount on processing fees with the Beyond package?

There is no minimum amount for a Beyond customer to be eligible for a discount, however it has to be within 3 months of a salary transfer.
If a customer is transferring his salary as "cash" to his account, would he qualify for discount on loan offers with the Beyond package?

Discount on Loans are only applicable in the case of a salary transfer to the account not otherwise
On the Overdraft facility what is the discount offered to Beyond customers on processing fees?

A 100% discount is offered to Beyond customers on processing fees upon availing the Overdraft facility. However, the offer is only valid for 3 months from the time of the salary transfer
As a Beyond customer am I eligible for free remittance transactions?

As a Beyond customer you are eligible for 1 free local and 1 free international remittance transaction via our Branch, every month.
As a Beyond customer how many international remittance transactions can I make for free per month via Online Banking?

You can make unlimited local and international remittance transactions for free via our Online Banking per month.
What is the Debit Card replacement charge for Beyond customers?

The Debit Card replacement charge for Beyond customers is AED 25
How many vouchers do I receive as part of the Entertainer booklet under the Beyond Package?

As part of the Entertainer booklet a Beyond customer receives 132 vouchers worth over AED 20,000
By when do I receive the Entertainer booklet with the Beyond package?

The Entertainer booklet is delivered to you as part of the welcome pack along with your Debit Card and Cheque Book.
For a Beyond customer can a special rate on Personal Loan be clubbed with the Credit Life Insurance discount offer?

This offer cannot be clubbed with any other promotional offer.
As a Beyond customer how many entries am I eligible for under the Loyalty Rewards Program?

As a beyond Personal Banking customer you get 1 entry per product that you hold with Emirates NBD. E.g. If you have a Salary Transfer account and a Credit Card you will be eligible for 2 entries in the raffle draw per month; while your friend who has a Salary Transfer Account, Credit Card, Auto Loan and an Insurance Plan with Emirates NBD will be eligible for 4 entries per month.
How much is the tier promotional rate for the first fixed deposit?

As part of our soft bundle offer, you will get the next tier promotional rate for the first fixed deposit with minimum amount of AED 100,000
As a beyond customer, is there any discount if I applied for a Home Loan?

Yes, as a beyond customer you will get benefits from discounts of up to AED 8,000 on Credit Cards, Personal, Auto and Home Loans within 6 months of starting your banking relationship.
Under The Beyond Loyalty Program which hotel offers a stay?

The partner hotel which offers a stay as part of the deal under the Beyond Loyalty Program is The Banyan Tree, Ras Al Khaima
On the Overdraft facility what is the discount offered to Beyond customers on processing fees?

A 100% discount is offered to Beyond customers on processing fees upon availing the Overdraft facility. However, the offer is only valid for 3 months from the time of the salary transfer
As a Beyond customer am I eligible for free remittance transactions?

As a Beyond customer you are eligible for 1 free local and 1 free international remittance transaction via our Branch, every month.
As a Beyond customer how many international remittance transactions can I make for free per month via Online Banking?

You can make unlimited local and international remittance transactions for free via our Online Banking per month.
What is the Debit Card replacement charge for Beyond customers?

The Debit Card replacement charge for Beyond customers is AED 25
How many vouchers do I receive as part of the Entertainer booklet under the Beyond Package?

As part of the Entertainer booklet a Beyond customer receives 150 vouchers worth over AED 100,000
By when do I receive the Entertainer booklet with the Beyond package?

The Entertainer booklet is delivered to you as part of the welcome pack along with your Debit Card and Cheque Book.
For a Beyond customer can a special rate on Personal Loan be clubbed with the Credit Life Insurance discount offer?

This offer cannot be clubbed with any other promotional offer.
As a Beyond customer how many entries am I eligible for under the Loyalty Rewards Program?

As a beyond Personal Banking customer you get 1 entry per product that you hold with Emirates NBD. E.g. If you have a Salary Transfer account and a Credit Card you will be eligible for 2 entries in the raffle draw per month; while your friend who has a Salary Transfer Account, Credit Card, Auto Loan and an Insurance Plan with Emirates NBD will be eligible for 4 entries per month.