• What is a Debit Card and how will it benefit me?

  Your Emirates NBD Debit Card is a card issued by Emirates NBD which allows you instant access to funds in your account and/or any agreed overdraft facility on your account, saving you the need to withdraw cash. Your card will help you manage your finances and monitor your spending, as all transactions made with your card will appear on your bank account statement(s).

• What is the difference between a Debit Card and a Credit Card?

  A debit card is a "buy now, pay now" option, while a credit card is a "buy now, pay later option". Therefore, when you use your Emirates NBD Debit Card, there will be no monthly repayments and hence no interest will be charged.

• What do I need to do before I use my Debit Card for the first time?

  You should activate your Debt Card and generate your card PIN before first use. Please refer to the section "Activating your Debit Card". After successful activation, you are ready to start using your card at supermarkets, restaurants and other establishments around the world.

• Will I get a new PIN with my Debit Card?

  For added security the bank will not be sending you a pre-assigned PIN. You have to set your Debit Card PIN while activating your card either over the phone, by calling us on +971 600 54 0000, or by visiting any Emirates NBD ATM.

• Is it mandatory for me as a customer to have a mobile number whilst using my Debit Card?

  It is mandatory for you to have a mobile number whilst using your Debit Card to ensure that we provide any important updates to you instantly including transaction alerts. Also, the "Authentication code" required for Debit Card activation, PIN reset and to complete Online purchases & payments with your Debit Card will be sent to your mobile number registered with the Bank. Please ensure that you update your mobile number in the bank's records at all times.

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• What is a Debit Card and how will it benefit me?

  Your Emirates NBD Debit Card is a card issued by Emirates NBD which allows you instant access to funds in your account and/or any agreed overdraft facility on your account, saving you the need to withdraw cash. Your card will help you manage your finances and monitor your spending, as all transactions made with your card will appear on your bank account statement(s).

• What is the difference between a Debit Card and a Credit Card?

  A debit card is a "buy now, pay now" option, while a credit card is a "buy now, pay later option". Therefore, when you use your Emirates NBD Debit Card, there will be no monthly repayments and hence no interest will be charged.

• What do I need to do before I use my Debit Card for the first time?

  You should activate your Debt Card and generate your card PIN before first use. Please refer to the section "Activating your Debit Card". After successful activation, you are ready to start using your card at supermarkets, restaurants and other establishments around the world.

• Will I get a new PIN with my Debit Card?

  For added security the bank will not be sending you a pre-assigned PIN. You have to set your Debit Card PIN while activating your card either over the phone, by calling us on +971 600 54 0000, or by visiting any Emirates NBD ATM.

• Is it mandatory for me as a customer to have a mobile number whilst using my Debit Card?

  It is mandatory for you to have a mobile number whilst using your Debit Card to ensure that we provide any important updates to you instantly including transaction alerts. Also, the "Authentication code" required for Debit Card activation, PIN reset and to complete Online purchases & payments with your Debit Card will be sent to your mobile number registered with the Bank. Please ensure that you update your mobile number in the bank's records at all times.

• What is the "AUTHENTICATION CODE" for a Debit Card?

  The "AUTHENTICATION CODE" for a Debit Card is a unique four-digit number that will be sent by SMS to your mobile number registered with the bank in case of:

  • Activation of new Debit Card
  • Activation of replaced Debit Card
  • Reset of PIN
  • Online purchases & payments with your Debit Card

   

• Is there any validity for the Debit Card "Authentication Code" and can I use it more than once?

  The "Authentication Code" sent for Activation of new/ replaced Debit Card or reset of PIN will be valid for 30 days from the date the SMS is sent to you, and can be used only once. The Authentication Code sent for online transactions is valid for 5 minutes from the time it is sent to you.

• What should I do if I do not receive an "Authentication Code", delete it by mistake or if it expires for my Debit Card?

  Simply call +971 600 54 0000 and follow the prompts to generate another Authentication Code for your Debit Card. In case of online transactions, you can click on the "Resend Authentication Code" link on the pop up on the merchant page. If the authentication code has expired, the merchant page on which you are transacting would in most cases have expired in 5 minutes too. In such a case, you will need to trigger the transaction again and a new Authentication Code will be sent to you.

• Can I use my old PIN number for my renewed Debit Card or do I have to create a new PIN?

  To activate your renewed Debit Card, you will have to create a new PIN. However, your old Debit Card PIN will be required to set the new PIN for your renewed Debit Card. Please refer to the detailed instructions on the reverse of the card mailer sent with your renewed Debit Card, or call us on +971 600 54 0000.

• Will my renewed Debit Card have the same number as my existing card?

  You will get a Debit Card with a new card number.

• What will happen to my existing Debit Card after I receive my replacement/renewal card?

  Your existing Debit Card will be automatically deactivated upon successful activation of the new card. Please make sure to destroy your old Debit Card by cutting it diagonally before disposal

• Are there any limits on the use of my Debit Card?

  Your Debit Card enables you to use up to the "Daily Purchase Limit" and "Daily ATM Limit" mentioned on your card mailer, as long as you have sufficient funds in your account or you are within your agreed overdraft facility. However, you can change the Daily Purchase Limit by calling us on +971 600 54 0000 or visiting your nearest Emirates NBD branch (Terms and conditions apply).

• Will my Debit Card purchases appear on my account statement?

  When you make purchases with your Debit Card, the transactions will appear on your account statement, along with deposits, processed cheques, ATM withdrawals and other transactions. Having all your transactions in one statement will help you manage your account balances better.

• Will I be charged extra for using my Debit Card abroad?

  As you will be using your Debit Card in a currency other than UAE Dirhams (AED), the transaction amount will be converted to AED on the day it is debited to your account. The exchange rate used is determined by Visa. Please note that there is a currency conversion fee for all foreign transactions. Overseas ATM cash withdrawals will also incur an international ATM withdrawal fee, which will be detailed separately on your statement. The fees are set out in our "Schedule of Charges" and can be found by clicking here

• What happens if I key in an incorrect PIN at merchant terminals or ATMs for my Debit Card? Will the merchant terminal/ATM capture my card?

  As a security measure to protect your Debit Card from misuse, your card will be temporarily unusable and may even be captured by the ATM if you enter a wrong PIN multiple times. You will have to call us on +971 600 54 0000 to reset your PIN / unblock your card.

• What should I do if I cannot remember my Debit Card PIN?

  You need to call us on +971 600 54 0000 and a call center agent will guide you through the steps needed to reset your PIN for your Debit Card. It is very important to completely verify yourself as the card holder on the phone or the call center agent will not be able to assist you.

• What happens if my Debit Card is lost, stolen or misused?

  Please call us immediately on +971 600 54 0000 if you discover that your Debit Card has been lost, stolen or misused.

• Am I eligible for the Priceless RED Experiences if I avail a Manchester United Platinum Debit card?

  You are eligible for the RED experiences if you avail a Manchester United Platinum Debit Card. This is the only Debit Card in the UAE that gives you an opportunity to win Priceless RED Experiences.

• What are RED Deals with the Manchester United Platinum Debit card?

  RED Deals constitute of the following benefits

  • 10% discount on total bill at Red Cafe, Old Trafford
  • 20% discount on Man Utd Stadium and Museum Tour
  • 10% discount on Official Manchester United Membership

   

• What is the daily purchase and cash withdrawal limits on the Manchester United Platinum card?

  For security reasons the use of your card is subject to certain daily limits as follows:

  • Daily limits of AED 75,000 for purchases
  • Daily limits of AED 25,000 for cash withdrawals

   

• Can I increase / Decrease the daily purchase and cash withdrawal limits on my Manchester United Platinum Debit card?

  You may change daily purchase limits on your card at any time through our Mobile Banking app available under the Debit Cards menu by calling us +971 600 54 0000 or by visiting the branch.

• What is the timeframe to increase the daily purchase and cash withdrawal limits on my Manchester United Platinum Debit card?

  Once we receive your request, both daily purchase and cash withdrawal limits will be processed instantly.

• Do I earn any reward points on using my Manchester United Platinum Debit card?

  Currently there are no rewards on Manchester United Platinum Debit card.

• Do I have to enroll for the Bon Appétit offer with my Manchester United Platinum Debit card?

  You only have to present your card at the time of payment at participating restaurants.

• Under what conditions does Emirates NBD provide Zero liability against unauthorized or fraudulent use of my Manchester United Platinum Debit card?

  You are covered for unauthorized use of your lost/ stolen Debit Card for retail transactions, from the time you notify the loss in writing to Emirates NBD.

  Please Note:

  • Not valid for PIN based transactions - both ATM withdrawals as well as retail transactions on Chip and PIN terminals.
  • Loss of card should be reported by calling the Emirates NBD Helpline on +971 600 54 0000 and should be followed up with a written notification

  Cardholder will be liable for all transactions made on the card prior to reporting loss in writing to Emirates NBD

• In what situations can I avail the Emergency cash and card replacement facility? Who do I contact to avail the same with my Manchester United Platinum Debit card?

  In case of an emergency, you can get up to USD 2,000 as an emergency cash advance anywhere in the world. You can also request an emergency card replacement, should you lose your card while travelling. Simply call the Visa 24-Hour Alarm Centre on 8000 021, wait for the prompt, and then enter 866 654 0112 (UAE) or +1 303 967 1096 (international).

• In what situations can I avail the Emergency medical and legal referral facility? Who do I contact to avail the same with my Manchester United Platinum Debit card?

  Your Manchester United Platinum Debit Card entitles you to emergency medical and legal assistance anywhere in the world. You also have 24-hour enquiry services, travel information and other services from interpreters to technicians. To make use of this service, please ensure you purchase your travel using your Emirates NBD Visa Debit Card. For medical and legal referral services, call the Visa 24-Hour Alarm Centre on +44 (0) 20 8762 8373.

• What is Purchase Protection provided with my Manchester United Platinum Debit card? Who do I contact to submit my claim?

  Pay with your Manchester United Platinum Debit Card and you are eligible for a refund up to USD 20,000 per year should your purchases be accidentally broken, stolen, or damaged within a period of 90 days from date of purchase. For further information, or to submit your claim, please call 8000 441 3487.

• What is the Extended Warranty facility provided with my Manchester United Platinum Debit card? Who do I contact for the same?

  Purchase household appliances on your Manchester United Platinum Debit Card and your manufacturer's or retailer's warranty will be automatically doubled up to a maximum of 24 months. There is a maximum of USD 5,000 in any one year. For further information, please call 8000 441 3487.

• What are the channels or options to increase the daily purchase and cash withdrawal limits on my Manchester United Platinum Debit card?

  You can change the daily purchase and cash withdrawals limits on your Manchester United Platinum Debit Card either by calling 600 54 0000 or by visiting any Emirates NBD branch.

• Who do I contact in case of issues related to Air tickets and holiday package discounts with my Manchester United Platinum Debit card?

  You can simply call +971 4 404 5979 to book your holiday. For any queries related to your Manchester United Platinum Debit card, simply call +971 600 54 0000, 24 hours a day, 365 days a year.

• 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.