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Diners Club Credit Card
Your ideal travel companion
Diners Club Credit Cards offer a world of privileges and benefits, making it the ideal travel companion.
- Unlimited complimentary Airport lounge access worldwide*
Escape the bustle of busy airports across the world with complimentary access to premium lounges worldwide, irrespective of your airline or class of travel. Simply present your Emirates NBD Diners Club Credit Card at the Lounge entrance.
Click here for list of participating lounges
*Access to the lounge is complimentary and unlimited to the Cardholder only, based on a 3 month average spend of AED 2,500. If the spend criteria is not met, a flat Lounge Usage Fee of AED 125 per visit will be charged to the Card account in the subsequent month. Guests will be charged the respective lounge access rates.
- Global Privileges
Your Emirates NBD Diners Club Credit Card entitles you to exclusive savings on travel, dining, entertainment, and much more-all over the world. Simply 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
Simply use your Emirates NBD Credit Card at any of the Bon Appetit partner restaurants to avail of fantastic discounts and exclusive dining experiences.
For the complete list of participating casual and fine dining restaurants, please Click here.
Enjoy unmatched financial perks and benefits, so you can get the most out of your cards.
- Interest-Free Days
Your Emirates Diners Club Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
- Flexible payment options
Your Emirates NBD Diners club Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement. You can choose to pay 5%, 10%, 25%, 50% or 100% of your card outstanding balance every month.
Choose from the following convenient options to make your card payments:
- Standing Instruction to debit your Emirates NBD Savings or Current account
- Online payment if you are an Emirates NBD Savings/Current account holder
- Cash payment through Emirates NBD branches, Cash Deposit Machines in Emirates NBD Branches and through Al Ansari Exchange* and UAE Exchange* branches
- Cheque payments to Emirates NBD Card Payments Division, P.O.Box 31813, Dubai, UAE.
* Effective 1st Jan 2011, a nominal transaction fee of AED 3 per transaction will be charged for bill payments through Exchange Houses, payable directly at the time of making the payment.
For more information, please call 600 54 0000
- Instant Cash
Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD Diners Club Credit Card at over 1.9 million ATMs worldwide that displays the Diners Club or Pulse symbols. A cash advance fee (or foreign currency equivalent, where applicable), whichever is higher, will be charged.
For medical and legal referral services, call +971-4-5096111.
- Travel Insurance
As an Emirates NBD Diners Club Card Member, you will be entitled to free insurance cover for trips less than 180 days. You will be covered automatically when your ticket or a minimum of $500 of your travel expenditure is charged to your Emirates NBD Diners Club card.
Please note, that all coverage is subject to change without notice as well as applicable terms & conditions by insurance provider.
Personal Flight & Travel Accident Policy Up to $ 100,000 Personal Accident Cover Up to $ 25,000 Emergency Medical Expenses Up to $ 25,000 Flight Delay Policy (6 hours) Up to $ 250 Baggage Delay Policy (6 hours) Up to $ 250 Baggage Loss Policy Up to $ 750 AIG Travel Assist Services Included - Emergency & Security Services
SMS Alerts
Receive SMS alerts on every transaction made on your Card, so you can keep track of your card transactions and immediately identify any unauthorized use. 24 hour Assistance Call 043160355 for any queries related to your Card, 24 hours a day, 365 days a year.
Online Access
Enjoy online access to your Card Account from anywhere in the world, allowing you to monitor your card balances and transactions as well as make payments from your Emirates NBD Account.
For bookings call +971 4 273 2889
- Free 24/7 Roadside Assistance
Hassle free roadside assistance offered complimentary with your Emirates NBD Diners Club Credit Card which includes recovery service, towing, fuel delivery and battery boost. The usage is limited to 2 times a year effective June 1st, 2013.
Contact: 04-3876628
- Terms & Conditions
Terms & Conditions for usage of roadside assistance service
1.Roadside assistance usage per service is capped based on the cardtype.
2.Usage is caped for each calendar year - January to December
3.Towing services will be to the nearest workshop within the emirate only from the point of disablement.
4.Services are available through out the United Arab Emirates.
5.Inter-emirate towing will not be available.
6.Only one service will be given to all customers in 24 hours.
7.IMC will only be responsible for the customer's cars while the car is in their custody.
8.Terms and Conditions are subject to change without prior notice
- Terms & Conditions
Click here for Fees & Charges
Emirates NBD Diners Club Card Terms and Conditions
In consideration of Emirates NBD PJSC (hereinafter called the "Bank") agreeing to issue and make available to the Cardholder (as hereinafter defined) a Credit Card at the Cardholder's request, the Cardholder hereby agrees to the following terms and conditions in addition to any terms and conditions, if any, set forth in the completed Credit Card application form and/or approval letter and any other relevant document (hereinafter referred to collectively as the Terms and Conditions ). The Cardholder hereby agrees and acknowledges that these Terms and Conditions are in addition to the Bank General Terms and Conditions of Accounts and Banking Services and shall be read in conjunction with it whenever applicable.
These Terms and Conditions set forth herein applied on each and every Credit Card issued by the Bank to the Cardholder and/or the Supplementary Cardholder and shall govern each and every transaction conducted by the Credit Card and the relationship between, the Bank and the Cardholder and/or Supplementary Cardholder.
Words importing only the singular shall include the plural number and vice versa. Where there is more than one applicant signing the Credit Card application, reference to single Cardholder shall be reference to both Cardholders. The words importing male shall include female and vice versa, words importing person shall include a sole proprietor, partnership, firm, company, corporation or any other entity. The heading of the clauses herein shall not be taken into consideration on the interpretation of these Terms and Conditions. Reference to these Terms and Conditions shall be understood to be reference to the terms and conditions contained in the Credit Card completed application form and any terms and conditions stated in the application form, letter of approval and/or any other document.
These Terms and Conditions constitute an integral part of the Credit Card application form and any document related to the Credit Card signed or acknowledged by the Cardholder and/or the Supplementary Cardholder. The Cardholder signature on the Card and the Credit Card application form and conducting of any transaction through the Credit Card shall constitute an acceptance to these Terms and Conditions as amended from time to time and updated on the website emiratesnbd.com/diners
- Definitions
In these Terms and Conditions where the context so admits the following expressions shall have the meanings herein designated unless the context otherwise require:-
Account means the Cardholder current, saving or deposit bank account opened with the Bank at any time under any name whether singly or jointly or any bank account opened and maintained with any other banks.
ATM means automated teller machines which allow the Cardholder to make Card Transactions.
Bank means Emirates NBD PJSC and its successors and legal assigns.
Card Account means Emirates NBD PJSC Credit Card Account opened by the Bank for the purpose of entering all credits and debits received or incurred by the Primary Cardholder and the Supplementary Cardholder, if any, under these terms and conditions and includes, without limitation, all debts incurred resulting from any Cash Advances and/or Charges and/or liabilities arising out of or in connection with any Credit Card Transaction or otherwise.
Card or Credit Card means any physical or virtual Credit Card issued by the Bank to the Cardholder which allows him to make Card Transaction (as hereinafter defined) which includes Primary, Supplementary and Replacement Cards irrespective of the Card, brand, name or scheme.
Card Transaction means any Cash Advance made by the Cardholder or the amount Charged by the Bank or any Merchant for any goods, services, benefits, or reservation obtained by the use of the Card(s) or the Card number(s) or the PIN/TIN or in any other manner including, without limitation mail, telephone or facsimile orders, internet and online orders regardless of whether a sales slip or Cash Advance or other voucher or form is signed by the Cardholder.
Cardholder means any person natural or artificial (i.e. company or any other legal entity) for his favor the Bank issued a Credit Card which includes the Primary Cardholder and any Supplementary Cardholder.
Cash Advance means any amount obtained by the use of the Card, the Card number or the PIN or in any manner authorised by the Cardholder from the Bank or any other bank or financial institutions or ATM displaying the Diners Club/ Pulse Logo . Cash Advance transactions include ATM, Over-the-Counter, Returned Payment and Cash Equivalent (money orders, foreign currency, travellers checks from a nonfinancial institution, person-to-person money transfers, betting, lottery tickets, casino gaming chips, off-track betting wagers at race tracks, gambling, bail bonds, Quasi Cash as defined by Diners Club /VISA and MasterCard).
Cash Advance Fee means the fee 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
Charges means all and any purchases Charged and all amounts payable by the Cardholder arising from the issue or use of the Card and/or all and any purchase Charged by use of the Card number or the PIN/TIN and includes, without limitation, all Card Transactions, fees, Charges, Finance Charges, expenses, damages, legal costs and disbursements.
Credit Limit means the maximum debit balance permitted by the Bank for the Card account for the Primary Card and Supplementary Card and, notified to the Primary Cardholder from time to time.
Current Balance means the total outstanding balance on the Card Account payable to the Bank according to the Bank's records on the date the Statement of Account is issued including all charges.
Direct Debit means the standing instruction provided by the Cardholder to the Bank to debit the Cardholder's savings/current account with the Bank for a specified percentage of the Total Payment Due each month.
E-Statements/Email Statements means the Statement of Account sent by the Bank to the Primary Cardholder's email address provided by the Primary Cardholder to the Bank for the purpose of receiving communication from the Bank including, but not limited to, Statement of Account.
Finance Charges means the charges billed to the Card Account if the Total Amount Due of the previous month's Statement of Account is not paid in full by the Payment Due Date noted in the Statement of Account. Finance Charges will be applicable on the Total Amount Due as noted in the previous month's Statement of Account as well as on all new transactions (from the respective transaction date) till such time as the total outstanding amounts are paid in full including all Finance Charges and fees levied on the Card Account. Finance Charges are always applicable on all Cash Advance transactions and the fees and charges are applicable thereon from the date of the Cash Advance transaction until the date of repayment in full. Finance Charges will be billed to the Card Account if the Total Amount Due is not paid by the Payment Due Date even if the Minimum Amount Due has been paid by the Payment Due Date. Finance Charges are subject to increase by a percentage as determined by the Bank at its sole discretion from time to time in case the Cardholder is one or more payments overdue. Original Finance Charge rates may be reinstated solely at the Bank's discretion when all overdue payments have been made.
Foreign Currency Transaction Fee means the currency conversion fee charged to the Card Account for all transactions incurred outside United Arab Emirates (UAE). All such transactions are converted to UAE Dirhams at the Bank's prevailing exchange rate on the date the amount was posted to the Card Account rather than the date the Card was used.
Guarantee means any guarantee or security provided by the Cardholder or any third party in a form acceptable to the Bank as a security for the performance of the Cardholder obligations relating to the Credit Card.
Interactive Voice Response (IVR) means equipment, devices and/ or the system which provides electronic access to the Cardholder to carry out certain transactions on the Card including, but not limited to enquiries on the Card Account balance and Card Transactions.
Late Payment Fee means the fee charged or levied to the Card Account if the Minimum Payment Due is not received by the Payment Due Date.
Merchant means any retail outlet, person or corporate entity supplying goods and/or services who accepts the Card of the Cardholder as a means of payment or reservation by the Card.
Minimum Payment Due means the amount the Cardholder needs to pay on or before the Payment Due Date to avoid any Late Payment Fees. The minimum amount to be paid every month includes 5% of the Current Balance (excluding installments and Credit Shield Charges), installment billed in the current month, Credit Shield billed, over limit amount, past due amounts and all fees and charges.
Month means calendar month according to the Gregorian calendar.
Over Limit Fee means the fee charged to the Card Account, if at any time during a billing cycle, the Current Balance in the Card Account exceeds the Credit Limit assigned. Such fee will be charged once during the billing cycle.
Payment Due Date means the date specified in the Statement of Account by which payment of the Total Payment Due or at least the Minimum Payment Due is to be received by the Bank and posted to the Card Account to keep the Card Account in good standing.
PIN means the Personal Identification Number issued to the Cardholder to enable the Card to be used at an ATM and/or other authorized terminals for a Cash Advance or any Card Transaction and on the IVR of the Bank.
Primary Card means a Card belonging to a Primary Cardholder.
Primary Cardholder means a person other than a Supplementary Cardholder who is issued a Primary Card and for whom the Card Account is first opened and issued by the Bank.
Purchase means a Card Transaction other than a Cash Advance.
Statement Date means the date on which the Statement of Account is generated and printed for dispatch to the Cardholder at the address registered with the Bank as on the date of generation of the Statement of Account.
Statement of Account means the monthly or other periodic statement of Card Account sent to the Primary Cardholder showing the particulars of the Current Balance incurred by the Primary Cardholder and the Supplementary Cardholder, if any, which are due and payable to the Bank.
Supplementary Card means a Card belonging to a Supplementary Cardholder.
Supplementary Cardholder means the person who has been issued with a Supplementary Card by the Bank, at the request of the Primary Cardholder.
Terminal means any terminal, device or point of sale through which Card Transactions or payment by the use of the Card can be performed.
Total Payment Due means the total amount outstanding on the Card as on the Statement Date which may not include the installment plan (if any) which will be billed in the future months.
- The Terms of issuing the Card
2.1 As a conditional precedent for approving any application to issue a Card, the Bank may, at its absolute discretion, require the applicant/Cardholder to provide a Guarantee acceptable to the Bank such as and without limitation a cheque and/or pledge and/or assign a cash deposit and/or a bank guarantee and/or any other form of security in favor of the Bank for any amount determined by the Bank. The Bank shall maintain this Guarantee as long as there is any obligation or Current Balance on the Card account. Notwithstanding what is stated in this clause the Bank reserves the right to decline any application submitted by the Cardholder for issuance of a Card without assigning any reason whatsoever and no further correspondence will be entertained in this regard.
2.2 The Cardholder or the Guarantor acknowledge and agree that the Bank shall continue to maintain this Guarantee for a period not less than forty five days from the date of cancelling the Card, whether such cancellation is determined by the Bank or at the request of the Cardholder.
2.3 The Bank at its absolute discretion shall set a Credit Limit to the Card and may notify the Cardholder accordingly. The Bank reserves the right to reduce or change the Card Credit Limit at any time without notifying the Cardholder.
2.4 The Card shall be valid for the period specified on the Card and the same can be used within the validity period only.
2.5 The Card may be collected from the Bank by the Cardholder or sent by post, or delivered to the address notified by the Cardholder to the Bank at his own risk and responsibility.
2.6 The Bank reserves the right to change the Card designs and scheme at any time without prior notice to the Cardholder.
2.7 The Card will remain at all times the property of the Bank and must be surrendered to the Bank immediately upon the Bank's or its duly authorized agent's request. - The Terms of using the Card
3.1 The Cardholder may receive from the Bank, subject to the Bank's sole discretion, either a non-activated Card or a pre-activated Card.
3.2 In the event that the Cardholder is provided a non-activated Card, the following shall apply. Upon receipt of the Card, the Cardholder shall call the Bank at the number specified by the Bank in order to activate the Card. The Cardholder shall identify himself and advise of his Card number and any other confidential information that the Bank may require. The Bank may, at its sole discretion, initiate a call to the Cardholder on the contact numbers registered by the Cardholder with the Bank in order to enable the Cardholder to activate the Card. The Cardholder's telephone call to the Bank or the Bank's call to the Cardholder resulting in activation of the Card is proof of delivery and shall constitute binding and conclusive evidence of the Cardholder's receipt of the Card and acceptance of these Terms and Conditions.
3.3 In the event that the Cardholder receives a pre-activated Card, the following shall apply. The Cardholder may use the Card without the need to call the Bank or taking any other action with the Bank. The Cardholder's usage of the Card shall constitute binding and conclusive evidence of the Cardholder's acceptance of these Terms and Conditions.
3.4 Upon receipt of the Card, the Cardholder shall sign on the reverse of the Card. In the event that the Cardholder does not wish to be bound by these Terms and Conditions, the Cardholder shall cut the Card in half and return both halves to the Bank (either by delivery or pre-paid post). The Cardholder should also call the Bank at the number specified on the reverse of the Card to notify cancellation of the Card membership and thereafter clauses under Sec 12 will apply and should be complied with.
3.5 The Cardholder acknowledges and agrees to use the Card within the Credit Limit and until the expiry date embossed on the Card surface.
3.6 Notwithstanding that the Credit Limit has not been used by the Cardholder, the Bank reserves the absolute right and without notice to the Cardholder to withdraw, restrict and cancel the Credit Limit on the Card.
3.7 The Card issued by the Bank pursuant to these Terms and Conditions and subject to the Bank's sole discretion can be used - without limitation - for the following transactions:-
a) The payment of any purchase of goods or services which payment may be charged to the Card Account.
b) Any ATM transaction effected through the use of the Card.
c) Cash advances as set out under General Terms & Conditions; and/or
d) Any other facilities, subject to pre-arrangement with the Bank, and
in accordance with the Terms and Conditions specified by the Bank.3.8 Where an ATM transaction has been incorporated in the Card, the Cardholder shall be responsible for all transactions whether processed with the Cardholder's knowledge or by his express or implied authority. The Cardholder hereby authorizes the Bank to debit his Card account with the amount of any withdrawal in accordance with the record of transaction. The Cardholder accepts the record of transaction as conclusive and binding evidence for all purposes.
3.9 If a transaction disputed by the Cardholder is subsequently proven to have been originated by him or her, the Bank reserves the right to bill the Card Account the principal amount with Finance Charges thereon from the date the transaction took place.
3.10 The amount of any transaction originated in a currency other than the Card currency shall be converted to the Card currency at the rate of exchange determined by the Bank for the date when the relevant transaction is debited to the Card Account. Such transaction may also be subject to a currency conversion fees determined by the Bank at its sole discretion.
3.11 The Cardholder agrees and undertakes to stay within the prescribed Credit Limit assigned/established by the Bank for the Cardholder unless prior approval to exceed the Credit Limit is obtained by the Cardholder from the Bank. The Bank shall unilaterally and solely have the right to determine, increase or reduce the Credit Limit and/or waive the Credit Limit fully or partially. The Cardholder further undertakes not to affect any Card Transaction which may cause the Current Balance on the Card Account to exceed such Credit Limit. If in contravention of this provision, the Cardholder exceeds the Credit Limit the Cardholder shall, in addition to the Current Balance, pay to the Bank, upon demand by the Bank, the full sum by which the Credit Limit is exceeded and all related fees associated with exceeding the Credit Limit. In the event of a failure by the Cardholder to pay to the Bank the full sum demanded as aforesaid the Current Balance on the Card Account shall become immediately due and payable.
3.12 The Cardholder agrees not to use the Card for any unlawful purpose, including but not limited to the purchase of goods and services prohibited under the applicable laws of the United Arab Emirates.
3.13 The Bank reserves the right to contact the customer for the purpose of verification of Card Transactions/performing a security check/advising the replacement of the Card. The Cardholder agrees to cooperate with the Bank in all such cases. If the Bank is unable to establish contact with the Cardholder for any reason whatsoever in any of the above circumstances, the Bank holds the right to freeze/block Cardholder's Card Account until contact is established to the satisfaction of the Bank. The Cardholder indemnifies and holds harmless the bank for any costs/losses whether actual or implied that may be incurred by the Cardholder due to the freeze/block placed by the Bank on the Card Account as described herein. The Bank is under no obligation to share details of the circumstances under which the block/freeze has been placed on the Cardholder's Card Account.
- Transaction Disputes
4.1 In the event that the Cardholder wishes to dispute a transaction charged to the Card Account on the Statement of Account, the dispute is to be notified to the Bank in writing no later than 30 days from the date of the relevant Statement of Account.
4.2 The dispute is to be notified to the Bank in the format as specified on the Cardholder Dispute Form that is available on the Bank's website, in the Bank's branches or may also be requested for by calling the number specified on the reverse of the Card.
4.3 The Cardholder must ensure to complete the form in full and provide all supporting documentation that the Bank requests as pertinent to the disputed Transaction Charge and the circumstances thereof.
4.4 Unless otherwise advised by the Bank, the Cardholder remains fully liable for all transactions and Charges on the Card, even in the event that the Cardholder has submitted a Cardholder Dispute Form to the Bank. Non-payment of Charges will result in the levy of relevant Fees and Finance Charges.
- The Terms of Cash Advance Transactions
5.1 Subject to the Bank's sole discretion, the Cardholder may be allowed to use the Card for Cash Advance transactions for such amounts determined by the Bank by using the Card in any of the Bank's ATM or any other bank or financial institution through whom such Cash Advances are provided.
5.2 Subject to the Bank's sole discretion the Cardholder may be allowed to use the Card for Cash Advance transaction at any of Bank branches or any other bank or financial institutions who provide such Cash Advances.
5.3 The Bank may issue a PIN to Cardholder to use the Card at any ATM accepting Cash Advance transactions or any other Card Transaction. The Cardholder acknowledges that in any Cash Advance transaction through ATM he shall use the PIN to effect the transaction.
5.4 The Finance Charges as specified in the Scheduled of Fees and Charges as updated on the Bank's website are applied by the Bank to Cash Advances and calculated on a daily basis. These shall accrue on each Cash Advance from the date of the Cash Advance until repayment in full.
5.5 The Cardholder acknowledges and agrees that Cash Advance Fee will be applicable for each Cash Advance transaction and shall be applied on the amount of each Cash Advance transaction. The Bank reserves the right to vary from time to time the amount and/or rate of the Cash Advance Fee and notify the same to the Cardholder through the Bank Schedule of Fees and Charges and/or any other form of communication at the Bank's discretion and update the same on the Bank's website.
- The Terms of Payments
6.1 The Cardholder agrees to pay to the Bank non-refundable fees as determined by the Bank - at its sole discretion - such as and without limitation the Card issuance/joining fees, annual fees, renewal fees, Supplementary Card, replacement Card fees and/or any other fees determined by the Bank from time to time.
6.2 The Bank shall debit the Cardholder account with the amounts of the Card Transaction, Charges, Finance Charges, Cash Advance Fees, Late Fees and/or any other amount arising and payable under these Terms and Conditions.
6.3 The Primary Cardholder shall be liable to pay any amount debited to the Supplementary Card, and shall be jointly and severally liable with the Supplementary Cardholder for any Card Transaction relating to the Supplementary Card and/or any amount debited to the Supplementary Card.
6.4 The Cardholder agrees to pay the Bank the Total Payment Due on the Card Account in addition to any Charges, Finance Charges, Cash Advance Fees, Over Limit Fees and/or any other fees payable under these Terms and Conditions. If the Cardholder chose not to settle the Total Payment Due in full, the Cardholder shall on or before the Payment Due Date determined by the Bank pay the agreed percentage of payment or the amount specified as the Minimum Payment Due in the Statement of Account, whichever is higher and the Finance Charges will become applicable.
6.5 The Cardholder agrees and acknowledges that if he failed to pay the Minimum Payment Due in full by the Payment Due Date, the Bank reserves the right to levy Late Payment Fees (as determined by the Bank from time to time) to the Card Account.
6.6 Payments made in excess of the Minimum Payment Due as appearing on the Statement of Account, will not excuse the Cardholder from the next Minimum Payment Due. Payment of the Minimum Payment Due will not excuse the Cardholder from being billed the applicable Finance Charges.
6.7 Subject to the Bank's sole discretion and without prejudice to the Bank's rights under these Terms and Conditions. If the Cardholder failed to pay the Minimum Payment Due on the Payment Due Date and the same remained unsettled till the date of the next Statement Date, the Bank will add the unsettled amount to the next Statement of Account in addition to any Charges and/or Fees.
6.8 Without prejudice to the Bank's rights at any time to take appropriate legal action against the Cardholder, the Bank may charge fees for any returned unpaid cheques drawn by the Cardholder as full or partial payment of the Current Balance or on the Card Account.
6.9 The Bank's acceptance of late payments or partial payments of the Current Balance in cash, by cheques or money orders marked as constituting payment in full or any waiver by the Bank or any indulgence granted to the Cardholder shall not prevent the Bank from enforcing any of its rights under the Terms and Conditions to collect the Current Balance or any amount due under these Terms and Conditions nor shall such acceptance operate to prevent the Bank from enforcing any of its rights under these Terms and Conditions to collect the amounts due hereunder nor shall such acceptance operate as consent to the modification of these Terms and Conditions in any respect.
6.10 The Cardholder agrees that if any sums shall be due from the Cardholder to the Bank at anytime under the Card Account or any other account then the Current Balance on the Card Account shall become immediately due and payable.
6.11 Any payments made by the Cardholder in relation to the Card shall be applied in the following order of payment:-
a) Finance Charges
b) Fees and Charges
c) Credit Shield premium
d) Balance Transfer/Instalments due on any Instalment Payment Plan transaction
e) Cash Advance
f) Retail Purchase transaction6.12 The Cardholder agrees to make all payments in the billing currency (Card Currency) of the Card Account. If any payment is made in any other currency, the Bank reserves the right to convert such currency to UAE Dirham or the Card Currency subject to the Bank's prevailing exchange rate as on the date of posting the payment into the Card Account. Any payment made in the Card Currency will be credited to the Card Account only on the date that the Bank actually received the required funds in its books. Whereas payment if received in any other currency, such payment shall be credited to the Card Account after the date when the relevant funds have been actually received by the Bank after conversion into the Card Currency and credited to the Card Account.
6.13 Without prejudice to the Bank rights under these Terms and Conditions, Charges, Finance Charges, Late Fees and/or any other fees implemented by the Bank shall continue to be chargeable on any sums of money which remain due and unpaid after the exercise of any of those rights. If the Bank obtains a judgment that any sum should be paid to the Bank, these Charges and Fees shall be payable on such sum from the date of such judgment until the date of full payment.
6.14 Any cheque deposited shall be acceptable for collection and the proceeds shall not be available until the cheque has been cleared and the proceeds paid to the Bank. Any such deposit may only be deemed to having been actually received by the Bank upon the receipt and crediting the same to the Card Account.
6.15 If the Cardholder affects any payment by depositing cash or cheque in any ATM or terminals designated by the Bank, the Bank shall not be liable for any loss or delay caused by the use of the ATM or terminal. Cheques deposited in ATM or terminals shall only be credited to the Card Account after verification by the Bank (which shall be conclusive and binding against the Cardholder) and any statement issued on making such deposit shall only represent what the Cardholder purports to have deposited and shall in no way bind the Bank as to its correctness.
6.16 If the Cardholder chooses to make payment to the Card by way of Direct Debit from his account with the Bank, the percentage of Minimum Payment Due or higher up to the Total Payment Due as specified by the Cardholder at the time of applying for the Card or specified at a later date by the Cardholder to the Bank in writing or through instructions given through the IVR to a Bank authorized agent at the Call Centre shall be debited from the Cardholder's account with Bank on the Payment Due Date. Where a sufficient balance is not maintained in the Cardholder's account with the Bank at the time the Direct Debit is effected, the Cardholder authorizes the Bank to either place a lien of recovery for the balance unpaid amount on the account or to overdraw the account for the same amount. The overdrawnft amount shall be subject to the Bank's prevailing overdraft interest rate as specified on the Bank's website.
6.17 Any payment made via online banking or any other kind of bank transfer shall only be regarded as having been received by the Bank upon the clearing of the proceeds paid to the Bank by the remitting bank. The Bank shall not be liable for any fees or Charges levied by the remitting bank to the Cardholder in effecting such payments to the Bank.
6.18 The non receipt and/or late receipt of Statement of Account shall not be construed and considered by the Cardholder to be a sufficient reason for non-payment of the Total Payment Due or part thereof or the Minimum Payment Due.
6.19 The Cardholder should not be allowed to transfer funds from one Card Account to another in settlement of the dues on the other Card Account, even if such funds are available as a credit balance on the Card Account unless if an explicit prior arrangement to this effect is made with the Bank.
6.20 The Bank may at its sole discretion at any time vary the rate, method or calculation of the Charges, Finance Charges, annual renewal fees, Late Payment Fees, Over Limit Fees, Minimum Payment Due and/or any other fees or Charges without obtaining the Cardholder's consent.
6.21 The Bank may at any time demand the Cardholder to provide an undated cheque, pledge over a deposit and/or any other collateral as security for the Card. Failure to comply with such a request shall be treated as a breach to these Terms and Conditions.
6.22 The Bank shall be entitled to treat the following as evidence of a debt properly incurred by the Cardholder to be debited to the Card Account:
a) Any sales draft, transaction record, credit voucher, cash disbursement draft and/or other charge record bearing the imprint or other reproduction of embossed information printed on the Card and duly completed irrespective of whether the same bears the signature of the Cardholder or not. However this does not in any way waive the Cardholder's responsibility to sign the sales draft/transaction record/credit voucher as requested by the merchant establishment; and/or
b) The Bank's record of Cash Advances or of any other transactions effected by the use of the Card including but not limited to transactions effected via mail order, the telephone or the internet.6.23 If the Cardholder pays the Bank any amount which is in excess of the Total Payment Due of the Card, the Bank retains the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to process such payments and to return the payments to the Cardholder.
6.24 The Cardholder hereby expressly agrees that if any sums shall be due from the Cardholder to the Bank at any time under the Card Account or if the Cardholder shall be liable to the Bank on any banking account or any other account, current or otherwise, in any manner whatsoever, or if default is made by the Cardholder in relation to such accounts or in any other banking facilities or loans granted by the Bank to the Cardholder, then and in such event the Current Balance of the Cardholder's account shall become immediately due and payable and the provisions of Sec 12 hereof shall be applicable.
6.25 If the Cardholder holds other Cards issued by the Bank, and any of these Cards is cancelled for any reason whatsoever, then the Bank may in its absolute discretion without notice, combine or consolidate the account of the cancelled Card, whether in AED or in any other currency, with the Card Account, and may do so notwithstanding that the balances on such accounts may not be expressed in the same currency, and the Cardholder hereby authorizes the Bank to offset any such combination or consolidation with the necessary conversion at the Bank's prevailing exchange rates, which shall be determined by the Bank at its sole discretion. The Credit Card Statement of Account sent to the Primary Cardholder shall thereafter show particulars of the Total Payment Due of the consolidated Card Account.
- Supplementary Card Issuance and Cardholder's Liability
7.1 The Bank may at its sole discretion issue a Supplementary Card to a person nominated by the Cardholder and approved by the Bank. The issue of Supplementary Card shall be subject to such Terms and Conditions, which the Bank may deem necessary.
7.2 The Terms and Conditions applicable herein to the Primary Cardholder shall apply to the Supplementary Cardholder. Every Supplementary Cardholder shall be jointly and severally liable with Primary Cardholder for the Current Balance and all transactions generated by the use of the Card.
7.3 The Bank may at its absolute discretion initiate and commence legal proceedings under this clause against the Primary Cardholder or Supplementary Cardholder or both of them.
7.4 The Credit Limit assigned to the Primary Cardholder is inclusive of the Credit Limit of the Supplementary Card and the Primary Cardholder and the Supplementary Cardholder shall not permit the Current Balance to exceed the said Credit Limit.
7.5 The validity of the Supplementary Card is dependant upon the validity of the Primary Card.
7.6 The undertaking, liabilities and obligations of the Primary Cardholder and the Supplementary Cardholder to the Bank's rights herein shall not be effected in any way by any dispute or claim which the Primary Cardholder and the Supplementary Cardholder may have against each other.
7.7 In addition to what is stated in this clause, and as a separate undertaking, the Primary Cardholder shall be fully liable to the Bank for all Charges and other liabilities incurred by the Primary Cardholder and the Supplementary Cardholder notwithstanding any legal disability or incapacity of the Supplementary Cardholder.
- Loss of Card/Pin
8.1 The Cardholder shall fully be liable to the Bank for all Card Transactions made with the PIN whether with or without the knowledge of the Cardholder.
8.2 The Cardholder shall use reasonable precautions to prevent the loss or theft of the Card and shall prevent the discovery of the PIN by any person (including but not limited to family, relatives, and/or employers) and shall not disclose the PIN to any person.
8.3 If the Credit Card is lost or stolen or the PIN is disclosed to any person, the Cardholder shall immediately notify the Bank on the phone numbers specified by the Bank from time to time and the police of the country where such loss or theft or disclosure occurred. Such notification shall be followed by signed written confirmation or email to the Bank within 48 hours of receipt of notice. Until receipt of such written confirmation, the Cardholder will be liable for all Credit Card Transactions on the Card Account. The Cardholder also undertakes to take all necessary steps to assist the Bank in recovering the missing Credit Card.
8.4 The Cardholder shall be and remain fully liable for the payment to the Bank for any debit to the Card Account arising from any Card Transactions, goods or services supplied by the Merchants, Cash Advances or ATM transactions effected through the use of the Card by any person whether with or without the knowledge of the Cardholder and irrespective of whether they were authorized by the Cardholder or not.
8.5 The Bank may at its sole discretion issue a replacement for any lost or stolen Card subject to the terms and conditions as the Bank may consider appropriate and at a fee determined by the Bank from time to time.
8.6 In the event that the lost or stolen Card is recovered by the Cardholder, he shall immediately return the same cut in half to the Bank without using it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the same to any other party.
- Exemptions and Exclusions
9.1 The Bank shall not be liable for any loss or damage howsoever incurred or suffered by the Cardholder by reason of the Bank or a Merchant or other Bank or financial institution or any ATM or terminal or other party refusing to allow a Card Transaction or accept the Card or the Card numbers or the PIN or to extend or provide Cash Advances up to the Credit Limit or at all.
9.2 The Bank shall not be responsible for the refusal of any Merchant or member institution of Diners Club International/VISA International/MasterCard International to honor or accept the Card or for any defect or deficiency in the goods or services supplied to the Cardholder by any Merchant or, where applicable, for any breach of non-performance by a Merchant for Card Transactions.
9.3 In the event of any dispute between the Cardholder and any Merchant or other bank or financial institution or any other person, the Cardholder's liability to the Bank shall not in any way be affected by such dispute or any claim or right of set-off which the Cardholder may have given against such Merchant or bank or financial institution or any other person.
9.4 The Bank shall not be liable in any way to the Cardholder for any loss or damage of whatever nature due to or arising from any disruption or failure or defect in any ATM or terminal or communication system or facilities or data processing system or transmission link or any industrial or other dispute or anything or cause, whether beyond the control of the Bank or otherwise.
9.5 The Bank shall not be liable for any disputes brought to the Bank's notice by the Cardholder after thirty (30) days from the date of the relevant Statement of Account.
- Disclosure of Information
10.1 The Cardholder irrevocably authorizes and permits the Bank to disclose and furnish such information that it deems fit concerning the Cardholder and his affairs including but not limited to these Terms and Conditions to the Bank's associates, branches, assignees, agents, Cardholders employers or other parties, last known address of the Cardholder, Card numbers of the new, renewed or replaced Cards to Merchants and other interested persons. The Bank may check the Cardholder's credit standing at any time as and when the Bank deems fit without reference to the Cardholder.
- Indemnity
11.1 The Cardholder undertakes and agrees to indemnify the Bank against any loss, damage, liability, costs and expenses whether legal or otherwise which the Bank may incur by reason of these Terms and Conditions or any breach thereof or the enforcement of the Bank's rights as herein provided. All costs and expenses in such regard may be debited to the Card Account and shall be paid by the Cardholder.
11.2 The Cardholder undertakes to pay to the Bank the amount of any loss or damage which the Bank, its directors, officers or employees may suffer by reason of those terms and conditions or by breach of them by the Cardholder or arising in any way in connection with the Credit Card Account. The Bank may debit all such amounts to the Cardholder's Credit Card Account.
- Notices
12.1 It is the sole responsibility of the Cardholder to ensure that the personal contact information is updated in the Bank records at all times. The Cardholder must promptly notify the Bank in writing of any changes in the Cardholder's information as provided to the Bank, including but not limited to, employment, address, contact numbers, etc. along with any documentary evidence of such changes. Should the Cardholder be away from UAE for more than a month, the Card Account should be settled seven (7) days prior to his departure.
12.2 If the Cardholder leaves the United Arab Emirates to take up residence elsewhere, both the Primary and Supplementary Card(s) shall be returned to the Bank forty five (45) days prior to the Cardholder's departure and the use of the Primary Card and Supplementary Card(s) shall be deemed to be ceased and Clause (12) (Termination) will apply.
12.3 Instructions sent by the Cardholder to the Bank through facsimile communication shall be considered valid and binding on the Cardholder and the Bank may act upon instructions conveyed through this message. The Bank may use copies of facsimile transmissions as evidence in any court of law.
12.4 All Cards, Statements of Account, demands or any other communication under these Terms and Conditions (hereinafter collectively called 'Communication') may be delivered personally or sent by ordinary post to the last known billing as registered with the Bank or other addresses of the Cardholder and such communication shall be deemed to have been served on the Cardholder on the day of delivery if delivered by hand and on the next business day after posting, if sent by post. All communications under these Terms and Conditions sent to the Primary Cardholder or Supplementary Cardholder shall be deemed to be sent to both.
12.5 The address stated by the Cardholder in the Card application form (the "permanent address") and/or the relevant Bank account or service application (if any) shall be the selected place of domicile on which the Cardholder shall receive all notices, summons, demands and claims in respect of any dispute in relation thereto and serving of the same to the Cardholder on this address shall be deemed to have been duly made, in the event where the Cardholder fails to notify the Bank with any changes thereof.
- Termination
13.1 The Cardholder may at any time notify the Bank of his intention to close the Card Account and terminate the use of all Cards by giving notice in writing and returning all Cards cut into half to the Bank. The Card Account shall be closed only after the receipt of full payment of all Charges, Finance Charges and liabilities of the Card Account, including but not limited to transactions authorized but not yet billed to the Card Account.
13.2 The Bank may at any time recall all or any of the Card(s) and terminate or stop its/their use with or without giving prior notice to the Cardholder. The Cardholder shall immediately after such recall, return such Card(s) cut in half to the Bank and make full payment of all Charges, Finance Charges and liabilities to the Bank.
13.3 The use of the Card shall be terminated by the Bank without notice upon the death, bankruptcy or insolvency of the Cardholder or when the whereabouts of the Cardholder become unknown to the Bank due to any cause not attributed to the Bank.
13.4 In the event of the Primary Cardholder's bankruptcy, death, or insolvency, the holder(s) of the Supplementary Card(s) will immediately stop the use of the Card(s) and return them cut in half to the Bank.
13.5 The Bank shall not be liable to refund the annual membership fee or any part thereof in the event of the termination of t
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What are people asking?
- What is a 0% Instalment Payment Plan on Credit Cards?
0% Instalment Payment Plan allows you to convert your Credit Card purchases made at select outlets in convenient monthly Instalments at no interest. Please click here to view Participating Partners on 0% Instalment Payment Plan.
- How can I apply for a 0% Instalment Payment Plan on my Credit Card?
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:
- What is the timeframe to process a 0% Installment Payment Plan request on Credit Cards?
To convert your purchases to 0% Instalment Payment Plan, simply log in to our Online or Mobile Banking, choose a Plan that best suits your needs and your transaction will be converted instantly.
- Are there any conditions to avail a 0% Instalment Payment Plan on my Credit Card?
Please click here to view detailed Terms & conditions along with the 0% Participating Partners to avail a 0% Instalment Payment Plan on your Credit Card.
- Are there any fees to apply for a 0% Instalment Payment Plan on my Credit Card?
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.
- What is a 0% Instalment Payment Plan on Credit Cards?
0% Instalment Payment Plan allows you to convert your Credit Card purchases made at select outlets in convenient monthly Instalments at no interest. Please click here to view Participating Partners on 0% Instalment Payment Plan.
- How can I apply for a 0% Instalment Payment Plan on my Credit Card?
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:
- What is the timeframe to process a 0% Installment Payment Plan request on Credit Cards?
To convert your purchases to 0% Instalment Payment Plan, simply log in to our Online or Mobile Banking, choose a Plan that best suits your needs and your transaction will be converted instantly.
- Are there any conditions to avail a 0% Instalment Payment Plan on my Credit Card?
Please click here to view detailed Terms & conditions along with the 0% Participating Partners to avail a 0% Instalment Payment Plan on your Credit Card.
- Are there any fees to apply for a 0% Instalment Payment Plan on my Credit Card?
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.
- Can I foreclose, prepay or cancel my existing 0% Instalment Payment Plan on my credit card, and will I be charged?
You can prepay the Total Credit Card Instalment Plan (CCIP) Instalment Price in one lump sum prepayment. However, there will be a CCIP Foreclosure/Cancellation Fee (determined by the bank for that period) to process such requests, as well as requests based on account refund or void transactions.
- What is the timeframe to process an existing 0% Instalment Payment Plan foreclosure, prepayment or cancellation request on my credit card?
The 0% Instalment Payment Plan foreclosure takes a minimum of 2 working days from the time of request.
- What are the tenure options available for a 0% Instalment Payment Plan?
0% Instalment Payment Plan is available for purchases made at Participating outlets. Please click here to view the 0% Participating Partners.
- Will I be eligible for reward points/miles/redemptions for transactions converted to 0% Instalment Payment Plan(s) on my Credit Card?
Transactions converted to 0% Instalment Payment Plan do not earn Reward Points.
- Can a secondary cardholder apply for a 0% Instalment Payment Plan?
Only a primary Cardholder can apply/request for 0% Instalment Payment Plan.
- Can I convert all my purchase transactions on my Credit Card into 0% Installment Payment Plan?
Payment Plan is available for purchases made at Participating outlets. Please click here to view the 0% Participating Partners.
- Once I convert a transaction into a 0% Installment Payment Plan on my credit card, will my available balance increase corresponding to transaction amount placed in Installments?
The Transaction amount placed in Instalments will be part of your Total Outstanding amount. Instalment Payment Plan provides flexibility of repaying the billed amount in Instalments, instead of full.
- Are there select merchants with whom I can avail 0% Instalment Payment Plans on my credit card?
0% Instalment Payment Plan is available for purchases made at Participating outlets. Please click here to view the 0% Participating Partners.
- How is the monthly amount to be paid calculated when I have a 0% Instalment Payment Plan active on my credit card?
The amount to be paid every month "Equated Monthly Instalment (EMI)" will be computed by dividing the Total CCIP Price by the CCIP Term. The Total CCIP Price is arrived by adding the Purchase Price of the goods or services and the interest charges for the CCIP Term (if applicable).
CCIP Monthly Instalments shall be billed to you starting from the following statement date after the date of purchase and every month thereafter until the Total CCIP Price is billed in full.
- How is the interest /payment due calculated when I convert my transaction(s) into 0% Instalment Payment Plan(s) on my credit card?
When you make a purchase(s) under the CCIP, the Monthly Minimum Due on the statement will be the sum of the CCIP Monthly Instalment(s) plus all other outstanding transactions multiplied by the required payment percentage determined by Emirates NBD which you will be notified of, plus any excess amounts over the credit limit and all past due amounts (if any).
- Can I reduce or increase the tenure of an existing 0% Instalment Payment Plan on my credit card?
The flexibility of reducing or increasing the tenure of an existing 0% Instalment Payment Plan is not available.
- What happens if I miss a payment on my credit card with a 0% Instalment plan?
If you pay less than the Monthly Minimum Due on the due date specified in the card member's credit card monthly statement then charges as per the existing Emirates NBD Credit Card Terms and Conditions governing the issue will apply. If in the case you are unable to make the payment, any existing CCIP transactions will be converted to a revolving interest bearing transaction.
- What happens if I close my credit card while a 0% Installment Payment Plan exists?
If the card is closed while a transaction is still under CCIP, the CCIP will cease to exist and the unbilled amount of the CCIP will be billed to you. The entire outstanding amount shall immediately become due and payable by you, and the Bank shall have the right to demand an immediate payment at its discretion.
- What happens if a transaction converted to 0% Installment Payment Plan is refunded or void on my credit card?
There will be a CCIP Cancellation Fee (applicable for that period) to process a cancellation request on account of refund/void transactions. As this will vary you can click here to view a generic schedule of charges.
- What is a Balance Conversion option on my Credit card?
Balance Conversion (BalCon) is a program that allows you to repay your Credit Card statement retail outstanding balance as installment payment plans.
- Who can apply for a Balance Conversion on a Credit Card?
Balance Conversion is open to all Emirates NBD Credit Card Primary holders with a minimum retail outstanding balance of AED 1000.
- Are there any charges to apply for a Balance Conversion on my Credit card?
Any applicable fees on the 'Balance Conversion' facility is determined by Emirates NBD and will be charged on the plan. Fees are subject to changes on periodic basis. Please click here for more information.
- How do I apply for a Balance Conversion on my Credit card?
You can avail this facility through our digital channels using 4 simple steps:
Online Banking:
- Login to your Online Banking
- Go to My Finances > Cards and select your Credit Card
- Click on Balance Conversion
- Amount and Repayment Period
Online Banking:
- Login to your Emirates NBD app
- Select your Credit Card on the dashboard
- Click on Balance Conversion
- Amount and Repayment Period
- What is the timeframe to process a Balance Conversion on my Credit Card?
Upon request, your Balance Conversion will be processed & reflected instantly on your Credit Card statement.
- What are the tenure options available for Balance Conversion on a Credit card?
You can choose to repay your Installment amounts for 12, 18, 24, 36, or 48 months.
- Is there a minimum amount to apply for a Balance Conversion on my Credit Card?
A retail transaction amount of AED1000 is required to avail our balance conversion option on your applicable Credit Card.
- What happens if I am unable to repay an installment while having a Balance Conversion plan on my Credit card?
A monthly installment has to be paid towards your Balance Conversion. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Balance Conversion amount will immediately be due for payment in full. The remaining outstanding balance will then attract our regular finance charges.
- Can I amend the payment plan on an existing Credit Card Balance Conversion?
You can choose to amend your Balance Conversion plan. However, a foreclosure fee of 1% of the principal outstanding plus a 5% VAT will be applicable, and your remaining outstanding can be re-booked for the new plan you wish to select.
- What is the benefit of having a Balance Conversion facility on my Credit Card?
Balance Conversion is a flexible payment plan that allows you to repay your Credit Card outstanding balance in equal monthly installments at a flat interest rate. You can choose to repay the amounts from 12 to 48 monthly installment plans.
- What is the applicable interest rate to avail 'Balance Conversion' facility?
Balance Conversion interest is a flat monthly interest rate determined by Emirates NBD and shall be charged on the conversion. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.
- Can supplementary cardholders apply for Balance Conversion facility?
This facility is available for transactions done on both Primary and Supplementary Cards. However, only Primary Cardholders can raise a balance conversion request.
- Can I cancel my existing 'Balance Conversion' plan on my credit card, and will I be charged?
You can choose to prepay or foreclose your existing Balance Conversion by contacting or call center on 600540000. A foreclosure fee of 1% of the principal outstanding plus a 5% VAT, will be applicable.
- Are there any Early Settlement Charges?
Yes on early settlement, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will be applicable for each plan.
- What will happen to the 'Balance Conversion' plan if I prepay the conversion amount?
Your Balance Conversion plan will remain active. If the prepayment is done with an intention to cancel the plan, you are required to contact our call center at 600 54 0000 and request for a cancellation. Upon cancellation, the prepayment will be adjusted towards the Balance Conversion outstanding and a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied.
- What happens if I close my credit Card while a 'Balance Conversion' plan exists?
When your Credit Card cancellation is processed, all active plans on the Card will automatically be closed, a foreclosure fee and remaining outstanding balance will be due for payment in full.
- Do I earn or lose reward points on my Card upon converting my transactions To a Balance Conversion plan?
No, you will not lose any reward points on your converted transactions.
- What is a Balance Transfer option with a Credit Card?
Balance transfer (BT) is a program that allows you to transfer your outstanding balance(s) from any other bank to your Emirates NBD Credit Card.
- Who can apply for a Balance Transfer on a Credit Card?
Balance transfer is open to all Emirates NBD Credit Card Primary holders.
- What is the maximum 'Balance Transfer' that I can avail?
You can avail a maximum up to 90% of your available Credit Card limit. The amount varies based on your eligibility & the available Credit Card limit.
- Are there any charges that apply for a 'Balance Transfer' on my Credit Card?
Any applicable fees on the 'Balance Transfer' facility is determined by Emirates NBD and will be charged on the plan. Fees are subject to changes on periodic basis. Please click here for more information.
- What is the applicable interest rate to avail a 'Balance Transfer' facility?
Balance Transfer interest is a flat monthly interest rate determined by Emirates NBD and shall be charged on the conversion. The interest rates are subject to changes on periodic basis and is also based on Card usage and overall performance.
- How do I apply for a 'Balance Transfer' to my Credit Card?
To avail this program, please contact our 24/7 call center at 600 54 0000 and our phone banking advisor will assist you in processing your request
- What is the timeframe to process a Balance Transfer?
Balance Transfer requests require 2-3 working days after which it will be reflected on your Credit Card statement.
- What are the tenure options available for Balance Transfer on a Credit Card?
You can choose to repay your Balance Transfer installment amounts for 12, 18, 24, 36, or 48 months.
- Is there a minimum amount to apply for a Balance Transfer to my Credit Card?
A minimum amount of AED 1000 is required to apply for a balance transfer on your applicable Credit Card.
- What happens if I fail to make payments towards my existing 'Balance Transfer' plan?
A monthly installment has to be paid towards your Balance Transfer. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Balance Transfer amount will immediately be due for payment in full. The remaining outstanding balance will then attract our regular finance charges.
- Can I cancel my existing 'Balance Transfer' plan on my Credit Card, and if yes, will I be charged?
You can choose to prepay or foreclose your existing Balance Transfer plan by contacting our call center on 600540000. A foreclosure fee of 1% of the principal outstanding plus a 5% VAT, will be applicable.
- Are there any Early Settlement Charges?
Yes on early settlement, a foreclosure fee of 1% of the principal outstanding plus 5% VAT, will be applicable for each plan.
- Can I amend the payment plan on my existing 'Balance Transfer' plan on my Credit Card?
You can choose to amend your Balance Transfer plan. However, a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applicable, and your remaining outstanding can be re-booked for the new plan you wish to select.
- What will happen to the 'Balance Transfer' plan if I prepay the conversion amount?
Your Balance Transfer plan will remain active. If the prepayment is done with an intention to cancel the plan, you are required to contact our call center at 600 54 0000 and request for a cancellation. Upon cancellation, the prepayment will be adjusted towards the Balance Transfer outstanding and a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied.
- What happens if I close my Credit Card while a 'Balance Transfer' plan exists?
When your Credit Card cancellation is processed, all active plans on the Card will automatically be closed, a foreclosure fee and remaining outstanding balance will be due for payment in full.
- What is a credit card e-Statement?
Credit Card e-Statement is an electronic version of your Credit Card Statement. This statement is delivered to you to your email address in the same frequency of your paper statement. You can view, save or print your statement right from your computer.
- What are the benefits of registering for my credit card e-Statements?
The benefits would be as follows:
- Absolutely free
- Environment friendly
- Sent directly to your registered email address, so there's no worry of organizing or lost paper statements.
- Easy to save, download and print
- Password protected for financial information.
- Am I eligible to subscribe to e-Statements for my credit card?
Any Emirates NBD Credit Card customer holding an active card can subscribe to Credit Card e-Statements.
- How do I register for credit card e-Statements?
All our existing customers are automatically registered for Credit Card e-Statement. For new customers, you can select either e-statement or paper statement or both at the time of application for Credit Card. Customer can also subscribe for e-Statement by calling our Call center on 600 54 0000 or through our online banking.
- Is my credit card e-Statement secure?
Your Credit Card e-Statement is delivered to the email address specified by you. Credit Card e-Statements are created in PDF format, which is the standard format of files exchanged via emails or uploaded on the Internet. This format does not allow content to be edited and re-produced. In addition, your e-Statement is password protected for financial information.
- How frequently will I receive my e-Statements for my credit card?
Credit Card e-Statement has the same frequency as your paper statement.
- How will I get my credit card e-Statement?
Your Credit Card e-Statement will be sent in PDF format to your registered email address in our records.
- Is my credit card e-Statement password protected?
Yes, the Credit Card e-Statement is password protected. The password will be first 4 letters of your name, as embossed on your Credit Card (spaces not counted), followed by the date and month of your birth (in DDMM format).
- How can I change my subscription email address?
You can easily update your Email Address through our Mobile App or any of our ATMs.
How to update your Email Address through the Mobile App:
Login > select Security Centre > select Email Address Update
You will be asked to authenticate this request with your Smart Pass Pin.
How to update your Email Address through an ATM:
Go to Main Menu > Select Requests > Select Email Address Update
- Can I have my credit card e-Statements sent to two different email addresses?
Credit Card e-statement are sent to only one preferred/registered email address.
- I am trying to enter the password to open my credit card e-Statement, but I am getting a message that the password is incorrect?
You may be receiving the message due to any one of the following reasons:
- The password combination may be incorrect
- The format inputted is incorrect
- You have entered a space between embossed name 4 letters and date of birth
Your eStatement password consists of the first 4 letters of your name, as embossed on your Credit Card (spaces not counted), followed by the date and month of your birth (in DDMM format).
- Will my credit card e-Statements look the same as my paper statement?
Yes, your Credit Card e-Statements will have the same look and feel of your paper statement, but your Credit Card number will be masked for your own security.
- Can I print my credit card e-Statement?
Yes. If your computer has access to a printer, you may print any e-Statement file from the Adobe® Acrobat® Reader® software by selecting the printer icon in the tool bar at the top of the page. Or, choose the "File" menu in the upper-left hand corner of the screen and select "Print." You may print the entire statement or choose to print a specific page.
- Do I need additional software to view my credit card e-Statements?
You require Adobe® Acrobat® Reader® version 6.0 or above to view your Credit Card e-Statement. If you do not have Acrobat Reader on your computer, please download version 6.0 or above of the free software from the Adobe website.
- Is there a charge for credit card e-Statements?
Credit Card e-Statements are free.
- How do I cancel my credit card e-Statements?
You can switch back to the paper statement at any time by calling Call Centre on 600 54 0000 or through our online banking.
- Can I subscribe for both e-Statement and paper statement?
Yes, you can subscribe to both at any time via out Call center or through our Online Banking.
- What if I haven't received my credit card e-Statements or the details in my e-Statement are incorrect?
Please notify us of any discrepancies immediately by calling our 24 hours Call Centre on 600 54 0000.
- I have several credit cards with Emirates NBD. Do I need to enroll for each e-statement separately?
Yes enrollment for each card should be done separately.
- Can I enroll and view e-Statements for all of my credit cards?
Yes, you can enroll & receive separate e-statements for each of your credit cards.
- Can I view my credit card e-Statement on an iPad, Android and an iPhone?
Yes you can as long as Acrobat Reader is installed on the handheld.
- What is a Diners Club Credit Card? Is it different from a regular Credit Card?
Diners Credit Card is accepted at millions of establishments world-wide and designed to give cardholders greater flexibility and round-the-clock convenience. Cardholders also receive privileges with attractive rewards programme.
- Do I have an option to apply for a Visa or MasterCard with Emirates NBD Diners Club Credit Card?
Diners Club card is only issued as a Diners Club Card. There is no relationship with Visa or MasterCard.
- What are the lifestyle benefits offered with my Emirates NBD Diners Club Credit Card?
Below are the benefits you can avail with your Diners Club Credit Card
- Airport Lounge
Unlimited complimentary Airport lounge access worldwide - Bon Appétit - An exclusive dining experience
Up to 30% discount at over 2,000 restaurants across the UAE, Middle East and Europe
- Airport Lounge
- What is Bon Appétit?
An exclusive dining programme that enables Emirates NBD customers to avail discounts of up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe.
- What is the reward program associated with Emirates NBD Diners Club Credit Card?
You can earn Plus Points on all your retail spends with this rewards program offered with your Emirates NBD Diners Club Credit.
- How are points calculated with Emirates NBD Diners Club Credit Card?
For every AED 100 spent with your Diners Club Credit Card, you can earn up to 5 Plus Points based on the category of spend mentioned below:
- Duty Free spends - 5%
- Dining spends - 2.5%
- All other spends – 1%
- How do I redeem my points collected with Emirates NBD Diners Club Credit Card?
You can redeem the Plus Points for Gift Vouchers from popular merchants, Frequent Flyer Miles of leading airlines, annual membership fee waivers, or Cash Back.
- Can I pay my utility bills with Emirates NBD Diners Club Credit Card?
Yes you can pay your utility bills with your Emirates NBD Diners Club Credit Card.
- Whom should I contact in case of an issue with the utility payment through Emirates NBD Diners Club Credit Card?
In such an instance, you are requested to contact the service provider directly (DEWA/Etisalat/du) for any dispute related to utility payments.
- How do I change the payment due date?
You can choose a different payment date, and to do so, you are requested to contact our 24/7 customer service center at 600 54 0000.
- Am I entitled to any travel insurance cover with my Emirates NBD Diners Club Credit Card? What is the criteria and coverage provided?
You will receive a complimentary travel insurance, provided you purchase the travel ticket using the Diners Club Credit Card.
- How do I claim for my travel insurance with my Emirates NBD Diners Club Credit Card?
You can claim for your Travel Insurance by contacting our 24/7 Customer service center at 600 54 0000.
- Do I have any Roadside Assistance service with my Emirates NBD Diners Club Credit Card?
Yes, you will receive a complimentary 24/7 Roadside Assistance.
- From where would I receive my Roadside Assistance with my Emirates NBD Diners Club Credit Card?
Roadside Assistance will be provided by Roadside Auto Assistance Centre.
- Are there any conditions or restrictions when using the Roadside Assistance service with my Emirates NBD Diners Club Credit Card?
The Road side assistance is subject to the below mentioned conditions:
- Roadside assistance usage per service is capped based on the card type.
- Usage is caped for each calendar year - January to December.
- Towing services will be to the nearest workshop within the emirate only from the point of disablement.
- Services are available throughout the United Arab Emirates
- Inter-emirate towing will not be available.
- Only one service will be given to all customers in 24 hours.
- RAC will only be responsible for the customer's cars while the car is in their custody.
- Terms and Conditions are subject to change without prior notice
- What are Finance Charges?
Finance Charges means the charges billed to the Card Account if the Total Amount Due of the previous month's Statement of Account is not paid in full by the Payment Due Date noted in the Statement of Account.
- How are Finance Charges calculated?
The Finance Charges are calculated on (an average) daily basis and will be billed to the Card Account if the Total Amount Due is not paid by the Payment Due Date (even if the Minimum Amount Due has been paid by the Payment Due Date). Finance Charges are subject to increase by a percentage as determined by the Bank at its sole discretion from time to time in case the Cardholder is one or more payments overdue.
- How do I know how much I have to pay?
The amount due for payment is reflected in your Credit Card Statement as Total Payment Due. However, you can choose to pay just the Minimum Payment Due.
- What is the Minimum Payment Due?
Minimum Payment Due means the amount you need to pay on or before the Payment Due Date to avoid any Late Payment Fees. The minimum amount to be paid every month is 5% of the Current Balance or AED 100/- whichever is higher. If you only pay the Minimum Amount Due, the remaining balance will be carried over to the next statement with the applicable finance charges.
- How much of my credit limit can I use for Cash Advance transactions?
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.
- How many supplementary card members can I have?
You may enroll up to 5 supplementary cardholder. You and your supplementary cardholders will share a single credit limit.
- What if my card account balance exceeds my assigned credit limit?
If your card account balance exceeds the assigned credit limit, over limit fee is charged. Such fee will be billed once during the billing cycle.
- What happens if I lose my card or my card is stolen?
In case you lose your card or if it has been stolen, please notify the bank immediately by calling 600 54 0000 from within UAE, and
+971 600 54 0000 outside UAE. Lines are open 24 hours a day, 7 days a week. This will protect you from subsequent unauthorized use of your card and enable us to provide you with a replacement card.You may also block and replace your card through our mobile banking application.
- How do I pay off my credit card?
You can make a payment in a number of different ways
- Direct Debit facility − Sign up for the direct debit facility from your Bank Account with Emirates NBD which will ensure that your Credit Card payments are cleared on your Card's due date. Call +971 600 54 0000 and sign up today.
- Banknet − If you have a Bank Account with Emirates NBD, you can conveniently sign up for our secure online banking − BankNet − anytime and from anywhere and make an instant payment from your Bank Account towards your Credit Card balance.
- Cash Deposit Machines (CDMs) − Emirates NBD CDMs are located at Emirates NBD branches as well as at major shopping malls and other easily accessible locations across the UAE. Simply visit any one of the over 120 conveniently located Emirates NBD CDMs and make cash or cheque payments. Please remember to carry your Emirates NBD Credit Card with you to make the payment. When paying by cheque at our CDMs, payment must be made in good time to allow clearing of your cheque before the Payment Due Date in order to avoid further interest and fees.
- Any Al Ansari Exchange Branch** − Simply visit any of the conveniently located Al Ansari Exchange branches and make a cash payment towards your Emirates NBD Credit Card balance.
**Effective 1st Feb 2020, a nominal transaction fee of AED 5 per transaction will be charged for bill payments through Al Ansari Exchange Branch, payable directly at the time of making the payment.
- What will happen if I don't keep up my credit card repayments?
It is important to make at least the minimum payment. Failure to make the minimum monthly payment on time will result in a late payment fee as well as finance charges.
- What is Payment Hierarchy and what order payments are made to my Emirates NBD Credit Card?
Payment hierarchy is an allocation of payment on your Credit Card account. It means that when you make a payment towards your Credit Card, the payment hierarchy tells the bank which component of your Card outstanding (fees, interest, principal amount, installment plans etc.) is to be paid first.
- What are the options available to view my Credit Card balance and my statement?
You may access your Credit Card balance and transaction details through the following options:
- Call Center IVR
- Emirates NBD Online Banking
- Emirates NBD Mobile Banking
- By sending SMS to 4455
Simply key in : MCSXXXXX (MCS stands for Mini Card Statement and the LAST 5 digits of your credit card number) (to avail this facility customer needs to subscribe to SMS banking)
- How do I request for a new / replacement card?
For a new Credit Card application, you may visit any of our nearest branches or alternatively you may schedule an appointment by sharing your contact information through our website, online banking or through our call center.
You may request for a replacement card through our 24/7 dedicated call center on 600 54 0000 or through our mobile banking app.
- How can I reset my Credit Card PIN?
In order to reset your Credit card PIN, please call at our 24/7 call center on 600 54 0000 and follow the steps given below:
- Select language
- Select 2 for PIN set
- Select 3 for setting a new PIN
- Enter your 16 digit Card number
- Enter your expiry date
- Enter CVV number
- Authentication code will be sent to your registered mobile number as an SMS
- Enter the authentication code
- Enter your new PIN
- Re-enter your new PIN and your PIN is set successfully
- How can I dispute a transaction on my Credit Card statement?
In an event that you wish to dispute a transaction charged on the card account, the dispute is to be reported to the Bank in writing no later than 30 days from the date of the relevant Statement of Account.
Please click here to fill the cardholder dispute form and send it with all the supporting documentation that the Bank requires as pertinent to the disputed transaction charge and the circumstances thereof to carddispute@emiratesnbd.com
- How do I increase/decrease my Credit Card limit?
In order to place a request for credit limit increase, please visit any of your nearest Emirates NBD branches. However if you wish to decrease the Credit limit on your Card, please call at our 24/7 call center 600 54 0000
- How can I request for a supplementary Credit Card?
You may request for a Supplementary Credit Card by applying through Online Banking, Mobile Banking, by calling at our 24/7 call center 600 54 0000 or by visiting any of our nearest Emirates NBD branches.
- How do I pay my Credit Card while I am overseas?
You may use any of the following means to make payments towards your Credit Card while you are overseas:
- Through your Online Banking account
- Through your Mobile Banking application
- By calling at our 24/7 call center 600 54 0000
- By initiating a telegraphic transfer
- By asking your relative / friends to make the payment on your behalf through our Cash Deposit Machines
- How do I change the Direct Debit payment percentage on my Credit Card?
You may place a request to change the Direct Debit payment / percentage instructions by calling at our 24/7 call center 600 54 0000.
- My Credit Card is about to expire. Do I need to contact the bank?
Your Credit Card is auto-renewed at least 30 to 45 days prior to the expiry of your existing card. In the event ,you do not receive your renewed Card, please call at our 24/7 call center 600 54 0000
- When and how is the Annual Membership fees charged on my Credit Card?
The annual membership fee is charged on your Credit Card on the Card anniversary date.
- How do I request for a duplicate Credit Card statement?
You may access your Credit Card statements through your online banking account or by calling at our 24/7 call center 600 54 0000
- What are late payment fees on my Credit Card?
A late payment fee is levied on the Card account if the minimum payment due is not received on or before the payment due date.
- I have closed my Credit Card, do I need to return the primary and supplementary Card to the bank?
If you wish to close your Credit Card, please ensure you have cleared the total Card outstanding and place a request to cancel the Card by calling at our 24/7 call center 600 54 0000. Once you receive the card closure confirmation, you may proceed to shred and destroy the card.
- What is a regular Installment Payment Plan on Credit Cards?
A regular Installment Payment Plan gives you flexibility to convert any retail purchase above AED 750 at a very low interest rate, with a repayment option from 3 to 36 months installments.
- How can I apply for an Installment Payment Plan on my Credit Card?
You can instantly avail an Installment Payment Plan through any one of our convenient channels – Online Banking or Mobile Banking.
Online and Mobile Banking
- Click on Installment Payment Plan under Cards
- *You can also opt for higher tenors at a nominal monthly interest rate.
- 3 Months
- 6 Months
- 12 Months
- Your transaction will be converted instantly
Point of Sale
- Pay using your Emirates NBD Credit Card
- Ask for the 0% Installment Payment Plan at the payment counter
- Your transaction will be converted instantly
- What is the timeframe to process an Installment Payment Plan request on Credit Cards?
To convert your retail purchases to Installment Payment Plan, simply log in to our Online or Mobile Banking, choose a plan that best suits your needs and your transaction will be converted instantly.
- Are there any conditions to avail an Installment Payment Plan on my Credit Card?
Please click here to view a detailed list of Terms and Conditions.
- Are there any fees to apply for an Installment Payment Plan on my Credit Card?
Fees are applicable and determined by the Bank for that particular period. It will be specified, and you will be notified at the time of application. However, you can click here to view a generic schedule of charges.
- Can I foreclose, prepay or cancel my existing Installment Payment Plan on my credit card and will I be charged?
You can avail the option of prepaying the Total Credit Card Installment Payment Plan (CCIP) Installment Price in one lump sum prepayment. However, there will be a CCIP Foreclosure/Cancellation Fee (determined by the bank for that period) to process such requests, which will also include cancellation requests on the account of refund or void transactions.
- What is the timeframe to process an existing Installment Payment Plan foreclosure, prepayment or cancellation request on my credit card?
Installment Payment Plan foreclosure takes a minimum of 2 working days from the time of request.
- Are there any fees to foreclose, prepay or cancelling my existing Installment Payment Plan on my Credit Card?
The Card member will be allowed the option of prepaying the Total Credit Card Installment Payment Plan (CCIP) Installment Price in one lump sum prepayment. There will be a CCIP Foreclosure/Cancellation Fee (determined by the bank for that period) to process such requests.
There will be a CCIP Cancellation Fee (determined by the bank from time to time) to process a cancellation request on account of refund/void transactions.
- What are the tenure options available for an Installment Plan on my Credit Card?
Installment Payment Plan gives flexibility to convert any retail purchase above AED 750 at a very low interest rate with a repayment option from 3 to 36 months Installments.
- Will I be eligible for reward points/miles/redemptions for transactions converted to Installment Plan(s) on my Credit Card?
Installment Payment Plan transactions earn Reward Points.
- Can a secondary cardholder apply for an Installment Plan?
Only a primary Cardholder can apply/request for an Installment Payment Plan.
- Can I convert all my retail purchase transactions on my Credit Card into Installment Plans?
Installment Payment Plan gives you the flexibility to convert any retail purchase above AED 750, at a very low interest rate with a repayment option from 3 to 36 months Installments.
- Once I convert a transaction into an Installment Payment Plan on my credit card, will my available balance increase corresponding to transaction amount placed in Installments?
The Transaction amount placed in Installments will be part of your Total Outstanding amount. Installment Payment Plan provides flexibility of repaying the billed amount in Installments, instead of full.
- Are there select merchants with whom I can avail Installment Plans on my credit card?
Installment Payment Plan gives you the flexibility to convert any retail purchase above AED 750 with any of the merchants at a very low interest rate, with a repayment option from 3 to 36 months Installments.
- How is the monthly amount paid/calculated when I have an Installment Payment Plan active on my Credit Card?
The amount to be paid every month "Equated Monthly Installment (EMI)" will be computed by dividing the Total CCIP Price by the CCIP Term. The Total CCIP Price is arrived by adding the Retail purchase Price of the goods or services and the interest charges for the CCIP Term (if applicable).
CCIP Monthly Installments shall be billed to you, starting from the following statement date, after the date of retail purchase and every month thereafter until the Total CCIP Price is billed in full.
- How is the interest /payment due calculated when I convert my transaction(s) into Installment Payment Plan(s) on my credit card?
When a Card member makes a retail purchase(s) under the CCIP, the Monthly Minimum Due on the statement will be the sum of the CCIP Monthly Installment(s) plus all other outstanding transactions multiplied by the required payment percentage determined by Emirates NBD and notified to the Card member, plus any excess amounts over the credit limit and all past due amounts, if any.
- Can I reduce or increase the tenure of an existing Installment Payment Plan on my credit card?
The flexibility of reducing or increasing the tenure of an existing Installment Payment Plan is not available.
- What happens if I miss a payment on my credit card with an Installment plan?
If you pay less than the Monthly Minimum Due on the due date specified in the card member's Credit Card monthly statement then charges as per the existing Emirates NBD Credit Card Terms and Conditions governing the issue will apply. If in the case you are unable to make the payment, any existing CCIP transactions will be converted to a revolving interest bearing transaction.
- What happens if I close my credit card while an Installment Payment Plan exists?
If the card is closed while a transaction is still under CCIP, the CCIP will cease to exist and the unbilled amount of the CCIP will be billed to you. The entire outstanding amount shall immediately become due and payable by you, and the Bank shall have the right to demand an immediate payment at its discretion.
- What happens if a transaction converted to Installment Payment Plan is refunded or void on my credit card?
There will be a CCIP Cancellation Fee (determined by the bank for that period) to process a cancellation request on account of refund/void transactions. As this will vary you can click here to view a generic schedule of charges.
- Which of the Cards does "Lifestyle Protector Insurance" cover?
"Lifestyle Protector Insurance" covers all Platinum, Titanium, Infinite, Silver, and Gold credit cards.
- What coverage does "Lifestyle Protector Insurance" provide?
"Lifestyle Protector Insurance", is a unique protection plan that the primary credit card holder can opt for on his Emirates NBD credit card, to cover the family's regular expenses in case of death due to accident or permanent total disablement of the primary card holder.
- To avail a "Lifestyle Protector Insurance" cover, what is the minimum and maximum age criteria?
"Lifestyle Protector Insurance" Cover is applicable for all UAE residents from the age of 18 up until 65 years.
- Can a supplementary card holder purchase the "Lifestyle Protector Insurance" cover?
Only primary card holders are eligible for the "Lifestyle Protector Insurance" cover.
- What type of regular expenses are covered by the "Lifestyle Protector Insurance" cover?
"Lifestyle Protector Insurance" covers regular expenses like Utility bills, House Rent, School fees, Grocery bills, shipping of personal belongings, Repatriation expenses, as per limits defined in the policy.
- Under the "Lifestyle Protector Insurance" cover, what are the type of plans offered, and what is their maximum limit?
There are two plans that are offered under the "Lifestyle Protector Insurance" cover.
- Platinum & Infinite
- Silver/ Gold /Titanium
Under the Platinum & Infinite plan, Accidental Death and Permanent Disability coverage is offered to a maximum up to AED 250,000 and under the Silver/ Gold / Titanium coverage is offered up to AED 150,000 or 12 times the average of last three statements current balance (whichever is lower) for both the plans.
For the other benefits under Platinum & Infinite plan – the maximum limit is AED 78,700 and under Silver/ Gold / Titanium the maximum limit is AED 33,250.
- What is the mode of payment for the "Lifestyle Protector Insurance" premium? When will the insurance cover commence?
The premium payment will be on a monthly basis; 0.99% of the current balance at billing frequency of the credit card. For e.g. in case the outstanding is AED 1000, the premium charged will be AED 9.90 only. In the event the outstanding balance is zero then no premium applies.
The cover will commence once the premium has been debited from his/her credit card and the customer is enrolled in the plan.
- Are there any documents to be provided or sighed for enrollment for the "Lifestyle Protector Insurance" cover?
At the time of enrollment for "Lifestyle Protector Insurance" cover, you are not required to provide any documents for enrollment. Go4it Cardholders & Manchester United credit card are provided the cover by default on the credit card. For other products, customers can be enrolled over the phone.
- Under the "Lifestyle Protector Insurance" cover, can the insured cancel his policy? Will the premium be refunded?
Under the "Lifestyle Protector Insurance", the insured can cancel his policy by calling Emirates NBD call center. There is no refund facility available for the customer if he cancels his current or previous month's premium. Once the customer opts out he/she will not be able to enroll in the insurance plan at all.
- Under the "Lifestyle Protector Insurance" cover, what should the customer do in the event of a claim?
Under the "Lifestyle Protector Insurance" cover the customer can call the RSA claims number on 04 3029906 In the event of a claim.
- What are the documents to be submitted at the time of claim, under the "Lifestyle Protector Insurance" cover?
The documents to be submitted at the time of the claim, under the "Lifestyle Protector Insurance" cover, are as follows:
- Fully filled and signed claim form
- Police report
- Death certificate
- Permanent disability certificate/ Medical reports
- Passport and Resident visa copy
- For the rent, grocery bills, shipping , school fees, repatriation, utility bills relevant invoices, bills, documents to be provided
- In-case the beneficiary is not a UAE resident, beneficiary to provide attested documents/ identification to prove identity.
- What is a 'Loan on Card' facility on my Credit Card?
Loan on Card (LOC) program allows you to get a portion of your available Credit Card limit as cash. The amount availed will be transferred to your bank account or issued as a manager's cheque.
- Who can apply for a 'Loan on Card' option?
This program is available for all Primary Emirates NBD Credit Card holders based on your eligibility and available credit card limit.
- What is the maximum 'Loan on Card' that I can avail?
You can avail a maximum of up to 90% of your available Credit Card limit. The amount varies based on your eligibility and available Credit Card limit.
- What are the tenure options available for 'Loan on Card' facility on a Credit Card?
You can choose to repay your Loan on Card amounts for 12, 18, 24, 36, or 48 months.
- What is the applicable interest rate to avail 'Loan on Card' facility?
Loan on Card interest is a flat monthly interest rate determined by Emirates NBD and shall be charged on the loan amount. The interest rates are subject to changes on periodic basis and is also based on card usage and overall performance.
- How do I apply for the 'Loan on Card' facility?
You can avail this facility through our digital channels using 4 simple steps:
Online Banking:
- Login to your Online Banking
- Go to My Finances > Cards and select your Credit Card
- Click on the Loan on Card option
- Select the Amount, Tenor and Account to which your funds should be deposited.
Mobile Banking:
- Login to your Emirates NBD app
- Select your Credit Card on the dashboard
- Choose the Loan on Card option
- Select the Amount, Tenor and Account to which your funds should be deposited.
- What is the timeframe to process a
Upon request, your Loan on Card option will be processed & reflected instantly on your account and Credit Card statement.
- Can Supplementary Cardholders apply for 'Loan on Card' facility?
This facility is available for Primary Cardholders only.
- Are there any fees charged for the 'Loan on Card' facility?
Any applicable fees on the 'Loan on Card' facility is determined by Emirates NBD and will be charged on the plan. Fees are subject to changes on periodic basis. Please click here for more information.
- Will I be eligible for reward points when I apply for the 'Loan on Card' facility?
Currently, there are no reward points associated with the 'Loan on Card' facility.
- Once I avail the 'Loan on Card' facility, will my available balance increase corresponding to the payments I make towards my installments?
Loan on Card option is given based on your available Credit Card limit. On repayment of your monthly installments, the amount repaid will become your new available Credit Card limit.
- How is the monthly EMI calculated with the 'Loan on Card' option?
Your total loan payable amount shall be computed by adding the principal amount of the loan, interest during the selected tenor, and the one time processing fee as applicable. Your monthly EMI will consist of the principal and interest repayment amount, however only your first EMI will include any processing fee is applicable"
- Can I cancel my existing 'Loan on Card' plan on my Credit Card, and if yes, will I be charged?
You can choose to prepay or foreclose your existing Loan on Card facility by contacting our call center on 600540000. A foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applicable.
- What will happen to the 'Loan on Card' plan if I prepay the loan amount?
Your Loan on Card plan will remain active. If the prepayment is done with an intention to cancel the plan, you are required to contact our call center at 600540000 and request for a cancellation. Upon cancellation, the prepayment will be adjusted towards the Loan on Card outstanding and a foreclosure fee of 1% of the principal outstanding plus 5% VAT will be applied.
- What happens if I fail payments towards my existing 'Loan on Card' plan?
A monthly installment has to be paid towards your Loan on Card plan. However, if you fail to repay your installments for two consecutive months, your plan will automatically be foreclosed. Your entire outstanding balance from the Loan on Card plan will immediately be due for payment in full. The remaining outstanding balance will then attract our regular finance charges.
- What happens if I close my credit card while a 'Loan on Card' plan exists?
When your Credit Card cancellation is processed, all active plans on the Card will automatically be closed, a foreclosure fee and remaining outstanding balance will be due for payment in full.
- What is the LoungeKey Program?
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.
- How do I avail the LoungeKey program's lounge access benefits?
To enjoy the benefits of this program, it is mandatory to complete a one-time registration.
- If you are a Visa Infinite Cardholder, visit www.loungekey.com/visainfinite
- If you are a Visa Signature Cardholder, visit www.loungekey.com/visasignature
- If you are an Emirates NBD Premium Credit Cardholder (Dnata World Card, SPG Card), visit https://airport.mastercard.com/en
Once registered you can discover more about the lounges available to you. Simply search using the lounge finder facility.
- Does the supplementary cardholder also need to register at LoungeKey?
Yes, both primary and supplementary cardholders need to register to enjoy the benefits of this program.
- I have replaced my credit card. Do I need to register the new card again for the LoungeKey service?
Yes, in the event that you have been issued a new card for any reason (i.e. replacement etc.) and the card number is different, you have to register the new card number to LoungeKey, to ensure that you will continue to enjoy the same benefits. The same applies for supplementary cardmembers (if applicable).
- How many free visits do I get on my Credit Card with the LoungeKey service?
Please refer to the below for free visits based on the type of card:
- Visa Infinite - Unlimited
- Skywards Infinite - Unlimited
- Visa Signature - Unlimited
- Dnata World - Unlimited
- SPG Card - Unlmited
- Are there any additional charges for guests when availing the LoungeKey service?
Additional charges apply for guests and varies from card to card. Please refer to the list
- Generic Platinum - $27 per guest
- Visa Infinite - 1 guest free, additional guest will be $27 per guest
- Skywards Infinite - 1 guest free, additional guest will be $27 per guest
- Visa Signature - $27 per guest
- Dnata World - $27 per guest
- SPG Card - $27 per guest
- Why do I have a LoungeKey fee charge billed on my credit card?
Please check the following to verfiy if the charge for LoungeKey billed to your Credit Card holds valid or not
- Have you registered for LoungeKey facility?
- Was the Lounge part of the LoungeKey program?
- If you are a Platinum Credit Cardholder, have you exceeded the 3 visits in a calendar year?
- If you are a Signature / Dnata World / SPG / Platinum Cardholder, were you accompanied by a guest of children above 2 years of age?
- What do I have to do to enter any participating lounge as part of the LoungeKey service?
You have to identify yourself as a LoungeKey member and present your card to the Lounge staff. Your card will be swiped to register the visit.
In an unlikely event that the receptionist / lounge staff isn't familiar with LoungeKey, you may double-check at the mobile app and show them the listing.
- How can I use the LoungeKey mobile app?
You can download the app from Android market or Apple store. Use the account login and password which was set up during the registration.
- Can the lounge staff inform me about my free access entitlement and the pricing policy that applies for the LoungeKey?
As the Lounge staff is serving millions of customers, from thousands of banks around the world it becomes diffcult for them to inform customers on an indivisual basis. The most reliable way to be informed about your visit entitlement and the lounges T&Cs (i.e. opening hours, children admission etc.) is via the website and the mobile app. We would highly recommend you check the details of the lounge prior to travelling, as lounge staff do not have access to pricing information and will therefore be unable to confirm potential charges that might apply.
- What is Protect Plus insurance on my credit card?
Protect Plus is an enhanced insurance benefit available on your Emirates NBD Credit Card which offers protection to you and your family from the liability of paying the outstanding amount on your Credit Card in case of unforeseen eventualities. Additionally, Protect Plus also pays cash benefits to the family of the Cardholder in the event of Accidental Death or Hospitalization.
- What eventualities does Protect Plus insurance cover through my credit card?
Protect Plus offers complete peace of mind to cardholder by covering the following eventualities:
- Job loss cover (Involuntary Loss of Employment)
- Total Disablement
- Critical illness
- Hospital Cash Benefit
- Accidental death benefit
- What payment benefits are covered under Protect Plus insurance through my credit card?
Protect Plus payment benefits against each coverage are as follows:
Protect Plus Coverage Benefits Job loss cover
(Involuntary Loss of employment)Protect Plus enables you to pay a monthly sum equal to 10% of your Credit Cards outstanding balance payment for 12 months. Subject to of AED 4000 per month. Flat Accidental Death benefit Protect Plus will payout up to AED 200,000 to designated beneficiary of the Credit Cardholder in case of Primary Cardholder's death due to an accident Death Protect Plus will pay out your Emirates NBD Credit Card Outstanding Balance payment up to AED 100,000 per primary Credit Card with aggregate maximum limit of AED 300,000 per Credit Cardholder Permanent Total Disability Credit Card outstanding balance payment up to AED 100,000 per primary credit card with aggregate maximum limit of AED300,000 per Credit Cardholder Critical Illness Credit Card outstanding balance payment up to AED 100,000 per primary credit card with aggregate maximum limit of AED 300,000 per Credit Cardholder Hospital Cash Benefit In the event of Hospitalization due to an accident exceeding a continuous period of 48 hours, Credit Cardholder is eligible for Cash Benefit of AED 100 every day for maximum of 30 days in a year. - What are the charges applicable to avail of Protect Plus through my credit card?
You are automatically enrolled into Protect Plus from the time of card activation. You enjoy complimentary cover for two months after which a nominal rate of 0.99% is charged on a monthly basis based on the outstanding balance on your card.
- Is the Protect Plus cover on my credit card valid worldwide
Yes, the coverage is valid worldwide except in respect of Involuntary Loss of employment (ILOE), Hospital Cash Benefit which are limited to the UAE.
- What should I do if I do not want to enroll into Protect Plus insurance with my credit card?
Please call us on 600 54 0000 within the first 2 of months activation to opt out of Protect Plus. However, once you opt out, you will not be eligible to enroll again.
- What is the age limit of Protect Plus cover with my credit card?
The minimum age is 18 years old and the maximum is 69 years for death and total disablement, and 59 years for Critical Illness and Involuntary Loss of Employment.
- Is the Protect Plus cover applicable for both Primary and Supplementary credit cardholders?
No, the cover is applicable only on Primary card holders. Supplementary cardholders are not covered.
- What are the ailments covered under Critical Illness with Protect Plus insurance through my credit card?
The following ailments are covered under Critical Illness:
- Stroke
- Kidney Failure (End Stage Renal Disease)
- Coronary Artery Bypass Surgery
- Cancer
- Major Organ Transplant
- Multiple Sclerosis
- Can I immediately avail benefits under job loss cover or Involuntary Loss of Employment (ILOE) with Protect Plus insurance through my credit card?
In case of job loss (Involuntary Loss of Employment) the benefits shall be paid only if the date of the event falls after 120 days from enrollment date of the offer. However, if you have had the policy cover for more than 120 days and then had to lose job, you can apply for a claim.
Please note that you need to be a permanent employee and has completed minimum of 6 months with the same employer in order to claim under this benefit.
- What are the major exclusions under ILOE cover with Protect Plus insurance through my credit card?
- Employment on a fixed term contract for less than 1 years or part time or temporary employment.
- Resignation or leaving by mutual agreement or voluntary unemployment or redundancy after voluntary breaks from employment in excess of normal holiday entitlement or termination on a temporary contract.
- Disability, sickness or accident or any other medical reason (mental and /or physical).
- Involuntary loss of employment which starts within 120 days of the commencement date.
- Where the primary cardholder was aware of pending unemployment on or before the commencement date.
- Where the unemployment is a normal seasonal parts of the employment or due to non-renewal of employment contract by the authorities.
- Where the primary cardholder has neither been terminated nor become redundant but his/her salary allowances are being withheld in part or full for any reason of employment contract.
- Unemployment due to any of the following :
- Misconduct
- Refusal to accept orders from the superiors
- Convicted of crime
- Dishonesty or Fraudulent Act.
- The period for which payment from the employer is received instead of working notice.
- Termination of employment due to voluntary retirement
- Company Failure where a contributing cause was a natural catastrophic peril
- Emiratization
- In the event that the Primary Cardholder no longer holds a valid UAE resident of Employment Visa.
- Would I be eligible for other benefits as soon as I enroll into the Protect Plus insurance plan through my credit card?
Other than job loss cover (ILOE), Hospital Cash and Critical Illness benefits, you can claim under all other benefits immediately upon enrolling into the offer.
- I already have medical Insurance. How will Hospital Cash benefit then be useful to me under the Protect Plus insurance cover through my credit card?
The benefits under Hospital Cash is payable to you over and above that you could claim using medical insurance.
- What are the major exclusions under Hospitalization benefit with Protect Plus insurance through my credit card?
- Hospitalization due to sickness
- Hospitalization due to pre-existing illness or sickness
- Any treatment not performed by a Physician or any treatment of a purely experimental nature
- Any routine or prescribed medical checkup pre examination
- Circumcision, cosmetic or aesthetic treatments of any description change of gender surgery, plastic surgery (unless such plastic surgery is necessary for the treatment of illness or accidental Bodily Injury as a direct result of the insured event and performed within 6 months of the same).
- Dental treatment or surgery of any kind unless necessitated by Accidental Bodily Injury.
- Removal of any material that was implanted in a former surgery before the Date of Cover Commencement.
- Any natural peril (including but not limited to avalanche, earthquake, volcanic eruptions or any kind of natural hazard).
- Participation in any hazardous activity or sports including but not limited to racing, scuba diving, aerial sports, bungee jumping and mountaineering or in any criminal or illegal activities.
- Nuclear Radiation, Nuclear Fission, Nuclear Fusion and/or Radioactive Contamination.
- Death or disability wholly or partly resulting from war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion. War zone and non-exhaustive list of countries (Iraq, Afghanistan...) excluded.
- Naval or Military operations (including duties of peace time) of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combating terrorists, rebel and the like.
- Passive and active war risk (including acts of terrorism).
- No benefits shall be payable under this policy where the disability in the opinion of the UAE concerned medical authorities is directly due to or arises directly or indirectly from infection by any Human Immunodeficiency Virus (HIV).
- What are the major exclusions under Death Cover due to any cause in Protect Plus insurance offered through my credit card?
- Active participation in a war or warlike operations or terrorism.
- Attempted suicide or self-inflicted injury whilst sane or insane. Suicide is covered for the cardholder if the inception date of the policy (protect Plus OR Credit Shield) is prior 01/01/2014. However if the inception date of the policy for a card holder is post 01/01/2016, then suicide is not covered for the first 12 months from the inception date of the policy.
- Any breach of the law by the cardholder or any assault provoked by him.
- Being under the influence of alcohol / drugs other than in accordance with the directions of a registered medical practitioner.
- Aviation, gliding of any other forms of flight other than as a fare paying passenger of a recognized airline or charter service.
- Only excluding professionals whilst participation in, or training for, any hazardous sport of competition or riding or driving in any form of race or competition.
- Only excluding professionals whilst involvement in any underwater activity.
- Mental illness or disease.
- Pregnancy, childbirth or abortion or any complications arising there from, within three calendar months of the expected date of confinement only for disability.
- How should I submit a claim to avail the Protect Plus insurance on my credit card?
For assistance in submitting a claim under this policy, please contact ADNIC
- ADNIC Contact Centre: 800 8040 (Toll Free)
- Fax: 02 4080644
- Email: consumerlinesclaims@adnic.ae
Upon receipt of claim notification, ADNIC would register the claim, allocate & advice a claim number and required documents to the customer For more details and Terms and Conditions on Protect Plus, Please visit emiratesnbd.com/cards.
- Can I use my Credit or Debit card abroad?
You can use your Credit or Debit Cards abroad to make purchases and to withdraw local currency from cash machines as and when you need it, and feel secure knowing that it's a safer option than carrying large amounts of cash or traveler's cheques.
- I would like to use my Credit or Debit card abroad. What are the important points that I should be aware of?
- Check your card to make sure it is valid. If your card is expiring before you travel and you have not received your renewal card, please call our helpline on +971 600 54 0000
- Keep a note of your card number and the Emirates NBD helpline number in a safe place separate from your physical card
- Keep your registered mobile number active even when you travel abroad to ensure you receive SMS alerts for every transaction on your card. We will continue to monitor your account for fraud and unusual transactions whilst you're abroad. We'll contact you if we detect unusual activity. If you keep your mobile phone with you, you'll be able to confirm genuine transactions as soon as we contact you.
- Register for e-statements to track your billing
- Set up Direct Debit to take care of any payments due while you're away.
- Don't share and disclose your PIN to anyone. Keep sales slips as proof of purchase for customs or in case of a dispute, and for reconciling your account when you get home
- What exchange rate is used when I use my Credit or Debit card abroad?
The exchange rate applied is set on a daily basis by VISA or MasterCard depending on the type of Emirates NBD card you have.
- What is Dynamic Currency Conversion and should I use it for my Credit or Debit card purchases when I travel?
Some retail merchants have Dynamic Currency Conversion built into their card acceptance system. This allows them to offer you a choice of paying the bill in UAE Dirhams or the local currency.
It is recommended to avoid Dynamic Currency Conversion and pay your bill in local currency as higher margin and charges are typically applied by the retailers if you opt to convert your transactions to UAE Dirhams.
By paying in local currency you can have clarity as to what rates and charges will be charged to your account. The exchange rate used will be that determined by VISA or MasterCard depending on the type of Emirates NBD card you have. Foreign Currency transaction fee as indicated in our schedule of fees & charges will be applicable for all non-AED transactions.
- Is it mandatory that I need to inform the bank if I am travelling outside UAE and intend to use my Credit or Debit card?
It is not mandatory to inform the bank if you are travelling outside UAE and intend to use your card. However, we strongly advise to keep your registered mobile number active even when you travel abroad to ensure you receive SMS alerts for every transaction on your card. We will continue to monitor your card for any unusual transactions whilst you're abroad. We'll contact you if we detect unusual activity. If you keep your mobile phone with you, you'll be able to confirm genuine transactions as soon as we contact you.
- I have lost my Credit or Debit card while travelling outside UAE. What should I do?
Contact us immediately on +971 4 600 54000 and block the card. You may place a request for a replacement card to be issued and shipped to you at your International location.
Required Documents
Find out the Required Documents for Credit Cards
- Credit Card Application
- Original Emirates ID and copy along with Passport Copy for Identification
- Latest Salary Certificate for Salaried Individual
- Trade License for Non-Individual
- Latest 3 Months Bank Statements (Mini ATM statement incase Bank Statements were not original)
- Security Cheque
Please Note:
- This document checklist contains the list of all the essential documents required to process your request.
- If any of the required documents as per the checklist are missing, the process of the application may be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Please ensure all documents are in order as per the checklist before visiting the branch, for quick processing and faster turnaround times.
- Credit Card Limit Increase
- Original Passport/Emirates ID Emirates along with the ID Copy and Passport Copy with Visa Page for Identification
- Salaried Individual banking with ENBD
- Latest Salary certificate (Not more than 1 month old)
- Pay slip in case of salary variance over 10%
- Non-Salaried banking with ENBD
- Latest Salary certificate (Not more than 1 month old)
- Pay slip in case of salary variance over 10%
- Latest 3 months original Bank statements
- Self-Employed
- Valid trade license
- MOA (Memorandum of Association)
- Latest 3 months Bank statement of the company (or if holding an individual account with another bank, latest 3 months bank statement will be required) incase if customer Non ENBD account hold
Please Note:
- This document checklist contains the list of all the essential documents required to process your request.
- If any of the required documents as per the checklist are missing, the process of the application may be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Please ensure all documents are in order as per the checklist before visiting the branch, for quick processing and faster turnaround times.
- Supplementary Credit Card Application
- EIDA/Passport of the Supplementary Applicant for Identification
- Original Credit Card of the primary cardholder for sighting
Please Note:
- This document checklist contains the list of all the essential documents required to process your request.
- If any of the required documents as per the checklist are missing, the process of the application may be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Please ensure all documents are in order as per the checklist before visiting the branch, for quick processing and faster turnaround times..
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