Beyond for Sanad cardholders
At a glance
Product bundle
Beyond rewards
Benefits
Banking packages
Support
Digital Account opening

At a glance

Adding value for our special needs customers

Content Point 1
No minimum balance
Non-salary transfer: AED 26.25 pm
Salary transfer: No fees
Content Point 2
Advantages
No processing fees for auto and personal loans and preferential rates

Rewards and features

  • No account opening fees
  • Access to disability friendly branches with features including assistive technology, reserved parking availability, placement of ramps, and staff trained in sign language and disability etiquette
  • Braille currency transactions at all our disability friendly branches for visually impaired customers
  • Priority queuing assisted by service ambassadors
  • Up to AED 50,000 in savings on 1,000+ deals across dining, experiences, retail and wellness on the Beyond Rewards app
  • Chance to win AED 2,000 cashback every month in a draw
  • Free local and international transfers through Mobile and Online Banking
  • Free transaction banking services* and benefits worth AED 1,000 every year:
    • 10 free teller transactions every month
    • 3 free standing instructions
    • Free cheque book every year
    • Free demand draft/manager's cheque every month
    • 5 free international ATM cash withdrawals above USD 300
  • Free Platinum Visa Debit Card with a daily purchase and cash withdrawal limit of AED 25,000 each
*Fair use policy applies; penal charges and regular debit card usage charges are applicable
How do our banking packages work?
Fees and charges
Terms and conditions
Learn more about Sanad card
Learn more about ID card for People of Determination

Product bundle

We value your relationship with us

Credit cards
Loans
Overdraft
Fixed deposits
Promo Beyond Rewards

Beyond Rewards

Enjoy up to AED 50,000 in savings with 1,000+ amazing deals across dining, experiences, retail and wellness.

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Benefits of banking with Emirates NBD

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Open an Emirates NBD account and join the most innovative bank in the region


What our customers are saying:

"I love the convenient way of sending money to the Philippines. Services such as paying other bank credit cards in the UAE are also time-saving. Thanks #EmiratesNBD"
Vivian Hermandez Lim
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Compare the features and benefits of our packages

What's the difference between Beyond and
beyondpackage

Beyond Package

Minimum balance

Current account: AED 15,000 to AED 49,999

Savings account: AED 100,000

Cards

Free debit card + 5 supplementary debit cards

Choice of 5 credit cards

Other benefits

Rewards up to AED 5,000 on loans

15 monthly cashback prizes worth AED 2,000

Free unlimited international remittances

Savings up to AED 50,000 with Premium Rewards

Apply now
Know more
Support

How can we help?

Already a customer?

Apply for a savings and current account
How do I update my phone number?

Help with your account

Help with an inactive or dormant account

Getting started

Documents required to open an account

Getting started

Can I open an account for my children below 18?

Frequently asked

ATM fees and charges
Have more questions? Visit our support pages
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The ultimate rewards app

The all new Beyond Rewards app will make your life more rewarding. This is an all-in-one rewards app with dining, wellness, entertainment and lifestyle offers and discounts; it’s the ultimate rewards app.

Benefits and features:

  • Find offers and discounts from your favorite merchants using the search feature.
  • No vouchers needed, simply redeem all offers right one the app and on the go.
  • Easily navigate and explore between restaurants and retailers and browse their offers.

View your redemption history right on the app to see how much you have saved over time, and see why Beyond Rewards is the ultimate rewards app.

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Overdraft

Overdrafts to support special needs

We understand that you may need extra cash at times for special needs or special occasions. Let us help with a 100% waiver of 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.

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Loans

Tailored loans for people of determination
  • Personal loans at discounted rates:
    • 25% off credit life insurance for loans between AED 200,000 to AED 400,000
    • 35% off credit life insurance for loans above AED 400,000

  • Auto loans at discounted rates:
    • 25% off credit life insurance for loans below AED 120,000
    • 35% off credit life insurance for loans above AED 120,000

  • Home loans: at discounted rates:
    • 25% off processing fees for loans above AED 500,000
    • 50% off loan amounts of AED 1 million and above. Offer valid for 6 months from the time you establish your banking relationship with us.
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Fixed deposits

Better rates on fixed deposits

We’re determined to be the best bank for people of determination. We offer not just accessible banking, but better rates on the first fixed deposit with us on a minimum amount of AED 100,000.

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Credit cards

Special privileges for special needs

Our credit cards come with dining discounts under the Bon Appetit programme, 0% interest installment plans, balance transfer, leisure, entertainment and Visa offers. But our special needs customers also get a guaranteed discount on balance transfer in the first year with us

  • Skywards Signature Credit Card with bonus Skywards Miles
  • Mastercard Platinum free-for-life card with 150 Plus Points
  • Visa Infinite free-for-life card with 250 Plus Points
  • Skywards Signature: no joining fees if you sign up for a Bancassurance product
    • 50% off on USD 250 monthly premium
    • 100% off on USD 500+ monthly premium

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