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You must be more than 18 years old and have:
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A minimum salary of AED 5,000
Special banking privileges
Exclusive to Sanad & People of Determination 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.
Emirates NBD is proud to be the exclusive financial partner with CDA offering Sanad Cardholders special banking privileges.
The Beyond package is available to all UAE citizens and expatriates holding a Disability ID card that is issued either by the Federal Government or the local government of any Emirate.
Click here for more details on the SANAD card
Click here for more details on People of Determination ID card
Eligibility for the Beyond Package
Sanad Cardholders can open or upgrade their accounts to the Beyond Banking Package without having to maintain have a salary transfer of AED 15,000 monthly. Processing fees on all personal loans and auto loans have been waived off. As a Sanad Cardholder you can also enjoy preferential loan rates as well.
Priority Queue Ticket at Branches
Members can avail the priority queuing facility at the branch by approaching the service ambassador who will then issue a priority token for services.
Utilization of disability friendly branches
Since 2016, the Bank has transformed numerous branches across UAE into disability friendly branches with features including assistive technology, reserved parking availability, placement of ramps, staff trained in American Sign Language and disability etiquette, etc.
Click here to find the nearest disability friendly branch
Availability of Braille currency
Customers with visual impairment can request for Braille currency transactions at our disability friendly branches.
Banking Benefits
As a Sanad Cardholder you will also enjoy all of the product benefits and discounts:
- Enjoy up to AED 50,000 in savings with the Beyond Rewards app
- Free transaction banking services* worth AED 1,000 every calendar year
- 1 free cheque book every calendar year
- 1 free demand draft/manager's cheque every calendar month
- Free local and international remittances through online banking and one free at branches every calendar month**
- 3 free standing instruction setups
- 10 free teller transactions at the branch every calendar month
- E-statements, SMS alerts
- 5 Free international ATM cash withdrawals above USD 300
*Fair use policy applies; penal charges and regular debit card usage charges are applicable.
** Offer for limited promotional period; beneficiary and correspondent bank charges if any will apply.
Debit Card
Easier and more
secure spending & banking
Free Platinum Visa Debit Card with a daily purchase and cash withdrawal limit of AED 25,000 each.
- Instant access to funds and enhanced security at over 25 million retail outlets or access to over 1 million ATMs worldwide with the Chip and Pin Debit Card
- Convenience of Online and Mobile Banking with the largest ATM and branch network
- Enjoy an all-new dashboard with smart insights about your money
- Pay your bills for 26 payment partners - Utilities, Telecommunications, RTA and more
- Personalize your profile with so many customizations available
Rewards
Enjoy great benefits... and even greater rewards
A loyalty rewards program of winning an AED 2,000 Cashback prize every month based on your product holding. As a Sanad cardholder, you have a chance to win one of the 15 prizes on offer every month.
Product Bundles
You will be entitled to a soft bundle i.e. any financial product that is linked with a current account will be available with guaranteed discounts on fees or upfront benefits at the start of the banking relationship.
Credit Cards
Enjoy a diverse range of privileges
There are 10 credit cards to choose from. All credit cards come with a set of privileges such as dining discounts under the Bon Appetit program, 0% installment plans, balance transfer facility, leisure and entertainment offers and Visa offers. Customers will also get a guaranteed discount on Balance Transfer facility in the first year of the banking relationship:
- Skywards Signature Credit Card with bonus Skywards miles offer
- Mastercard Platinum free for life card with 150 Plus Points
- Visa Infinite Free for life card with 250 Plus Points
- Skywards Signature/SPG Card – Waiver of the joining fees if you avail a Bancassurance product
- 50% off on USD 250 per month premium
- 100% off on USD 500+ per month premium
Personal Loan Packages
Choose a Personal Loan that fits your needs.
Personal loans will be offered at competitive/discounted rates:
- 25% off credit life insurance for loan amounts between AED 200,000 to AED 400,000
- 35% off credit life insurance for loan amounts above AED 400,000
Overdraft Facility
Instant fund assistance for emergencies
Get a guaranteed discount of 100% on the overdraft set up fee. This offer is valid for 3 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
Auto Loan Packages
An unparalleled ownership experience
Auto Loans will be offered at competitive/discounted rates:
- 25% off credit life insurance for loan amounts below AED 120,000
- 35% off credit life insurance for loan amounts above AED 120,000
Home Loans
Owning the home of your dreams made easy
You are eligible for the processing fee discount of 25% for loan amounts between AED 500,000
- 1 million or 50% for loan amounts of AED 1 million and above. This offer is valid for 6 months from the time of establishing a relationship with Emirates NBD Personal Banking.
Fixed Deposits
Make your money work harder
Finally, you can also get a better rate compared to the ongoing promotional rate on the first Fixed Deposit placed with the bank with a minimum amount of AED 100,000.
Useful Links & Documents
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