The following is the list of Emirates NBD Cards which are currently eligible to earn Plus Points:

The Bank has the right to include / exclude any card into / from Plus Points at any time with/without prior notice to the Cardholder.

• Emirates NBD VISA Infinite Credit Card
• Emirates NBD VISA Platinum Credit Card
• Emirates NBD MasterCard Titanium Credit Card
• Emirates NBD MasterCard / VISA Gold Credit Card
• Emirates NBD MasterCard / VISA Silver Credit Card
• Emirates NBD Go4it Gold Credit Card
• Emirates NBD Go4it Platinum Credit Card
• Emirates NBD DIC Credit Card Exclusions:
  1. Cards issued as Corporate Cards
  2. Cards issued under promotions which exclude rewards earning.
• Emirates NBD MasterCredit Webshopper Credit Card

• In order to benefit from Plus Points, the Emirates NBD Card must be valid and in good standing as per the criteria and standards applied by the Bank from time to time. The Cardholder's acceptance of the terms and conditions outlined hereinafter shall be deemed satisfied upon redemption of his/her Plus Points.

• The Points earned by the Supplementary Cardholder will accrue to the account of the Primary Cardholder.

• Participation in the Program is automatic and free on subscribing to the Emirates NBD Card.
• Enrollment Date shall mean the Card Account set up date by Emirates NBD for new Cardholders and for existing cardholders, the date the program commences, as decided and communicated by Emirates NBD.
• Enrollment Year shall mean the year of the Enrollment Date.

• Plus Points will be awarded from the date the card is activated whenever the Emirates NBD Card is used for all domestic and international retail spends.
• Plus Points awarded to the Cardholder will be shown in the Cardholder's monthly statement, and will be redeemable in such manner as set out in the PLUS Points brochure, which will be dispatched to the Cardholder upon his/her request.
• Cardholders cannot accrue Plus Points for any transactions on the Emirates NBD Card prior to his/her Enrollment Date.
• The rate of earning Plus Points is as defined in the Plus Points Brochure and/ or updated on the website and/ or communicated from time to time. The Bank reserves the right, to be exercised at any time and without any prior notice to the Cardholder, to change the ratio between (a) Plus Point to be awarded; and (b) the specified amount charged to the Cardholder's Emirates NBD Card.
• All transactions charged to a Cardholder's Emirates NBD Cards are eligible for Plus Points except for the following: a) Annual fee of the Cardholder's Emirates NBD Cards; b) Cash Advances; c) Finance charges; d) Late payment charges; e) traveler's cheques, balance transfer and other unauthorized charges, etc; f) foreign currency purchases g) Credit Shield / any other insurance programs or products that the Bank may choose to offer; or
  h) Transactions that the Bank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent (i) Dial a Cheque and Installment Plan facilities offered by the Bank.
  (j) Transactions made to top up a RTA NOL Card e-purse through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs , ATMs and Branches (Go4it Cards excluded).
• The Bank may, at its sole discretion and without prior notice to the Cardholder, add to, or remove from, the above list of eligible charges and transactions. The Bank's decision as to what constitutes an eligible charge shall be final and conclusive. The Bank may also apply caps and/or reduced Plus Points to certain categories of spending, i.e. Utility Bill Payment etc.
• The following earning caps will apply on Plus Points earning in each month:
  • Silver / DIC / Gold / Titanium Card - 1,000 Plus Points
  • Go4it Gold Card – 2,000 Plus Points
  • Platinum Card - 2,000 Plus Points
  • Go4it Platinum Card – 3,000 Plus Points
  • Infinite Card - 3,000 Plus Points

  The Bank has the right to modify these caps at any point in time with / without prior notice to the Cardholder.

• Plus Points will stop accruing if the Cardholder fails to pay the Minimum Amount Due on the Card Account on 2 consecutive Payment Due Dates.
• In the event the Card is voluntarily closed by the Cardholder, Plus Points accumulated on his/her Card have to be redeemed within 30 days of card closure otherwise these will automatically lapse. In the event the Card is cancelled by the Bank for any other reason, all the Plus Points accumulated will stand forfeited. If the Card is blocked or suspended by the Bank for any reason whatsoever, then the Plus Points accumulated shall stand forfeited but may be reinstated at the discretion of the Bank if use of the Card is reinstated.
• Adjustments will be made to the Plus Points balance if there are any credits, including those arising from returned goods or services or billing disputes. If a disputed transaction is resolved in favour of the Cardholder or where a transaction is reversed, proportionate Plus Points will also be reversed and credited/ debited to the Cardholder. On redemption, Plus Points would automatically be subtracted from the Points accumulated in the Cardholder's account.
• The Bank's decision on computation of Plus Points will be final, conclusive and binding on the Cardholder.

• Plus Points will be awarded from the date the card is activated whenever the Emirates NBD Card is used for all domestic and international retail spends.
• Plus Points awarded to the Cardholder will be shown in the Cardholder's monthly statement, and will be redeemable in such manner as set out in the PLUS Points brochure, which will be dispatched to the Cardholder upon his/her request.
• Cardholders cannot accrue Plus Points for any transactions on the Emirates NBD Card prior to his/her Enrollment Date.
• The rate of earning Plus Points is as defined in the Plus Points Brochure and/ or updated on the website and/ or communicated from time to time. The Bank reserves the right, to be exercised at any time and without any prior notice to the Cardholder, to change the ratio between (a) Plus Point to be awarded; and (b) the specified amount charged to the Cardholder's Emirates NBD Card.
• All transactions charged to a Cardholder's Emirates NBD Cards are eligible for Plus Points except for the following: a) Annual fee of the Cardholder's Emirates NBD Cards; b) Cash Advances; c) Finance charges; d) Late payment charges; e) traveler's cheques, balance transfer and other unauthorized charges, etc; f) foreign currency purchases g) Credit Shield / any other insurance programs or products that the Bank may choose to offer; or
  h) Transactions that the Bank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent (i) Dial a Cheque and Installment Plan facilities offered by the Bank.
  (j) Transactions made to top up a RTA NOL Card e-purse through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs , ATMs and Branches (Go4it Cards excluded).
• The Bank may, at its sole discretion and without prior notice to the Cardholder, add to, or remove from, the above list of eligible charges and transactions. The Bank's decision as to what constitutes an eligible charge shall be final and conclusive. The Bank may also apply caps and/or reduced Plus Points to certain categories of spending, i.e. Utility Bill Payment etc.
• The following earning caps will apply on Plus Points earning in each month: Silver/ DIC/ Gold Cards- 1,000 Plus Points, Platinum Card - 2,000 Plus Points and Infinite Card - 3,000 Plus Points. The Bank has the right to modify these caps at any point in time with / without prior notice to the Cardholder.
• Plus Points will stop accruing if the Cardholder fails to pay the Minimum Amount Due on the Card Account on 2 consecutive Payment Due Dates.
• In the event the Card is voluntarily closed by the Cardholder, Plus Points accumulated on his/her Card have to be redeemed within 30 days of card closure otherwise these will automatically lapse. In the event the Card is cancelled by the Bank for any other reason, all the Plus Points accumulated will stand forfeited. If the Card is blocked or suspended by the Bank for any reason whatsoever, then the Plus Points accumulated shall stand forfeited but may be reinstated at the discretion of the Bank if use of the Card is reinstated.
• Adjustments will be made to the Plus Points balance if there are any credits, including those arising from returned goods or services or billing disputes. If a disputed transaction is resolved in favour of the Cardholder or where a transaction is reversed, proportionate Plus Points will also be reversed and credited/ debited to the Cardholder. On redemption, Plus Points would automatically be subtracted from the Points accumulated in the Cardholder's account.
• The Bank's decision on computation of Plus Points will be final, conclusive and binding on the Cardholder.

• The Bank reserves the right to disqualify any Cardholder from further participation in the Plus Points Programme, if in the Bank's sole judgment, that Cardholder has in any way violated these terms and conditions and/or the terms & conditions of his/her Emirates NBD Card Agreement. Suspension and disqualification may result, at the Bank's sole discretion, to the cancellation and nullification of all Plus Points earned by the Cardholder.
• The Bank is entitled, at any time and without any prior notice or liability to the Cardholder in any manner whatsoever, to terminate the Plus Points Programme and/or cancel and/or vary its benefits or features, and/or vary, add to or delete any of the terms and conditions outlined herein, and/or withdraw or change the participants of the Plus Points Programme, and/or modify or limit the value of Plus Points and/or the manner of their redemption even though any of such acts may diminish the value of the Plus Points already accumulated.
• Fraud and abuse relating to earning and redemption of Plus Points will result in forfeiture of the Plus Points as well as termination of the Card.
• Information supplied by a Cardholder on redemption of rewards may be used by the Bank for administrative and/or marketing purposes.
• The Program does not in any way amend the Emirates NBD Card Terms and Conditions between the Bank and the Cardholder, and any term referenced but not defined herein may be interpreted in accordance with the said Terms and Conditions.
• The Bank acts in good faith in response to any oral or electronic instruction or inquiry by the Cardholder in respect of any matter in relation to this Program and fulfillment of any reward. The Cardholder will not be entitled to claim or allege any loss, damage, liability, expense etc. attributable directly or indirectly to any such good faith action of the Bank and the Cardholder shall indemnify and hold the Bank harmless in respect thereof.