Emirates NBD Bank PJSC Promotion Terms and Conditions for “Credit Card Spends”

These terms and conditions (“Promotion Terms and Conditions”) govern the Emirates NBD Bank P.J.S.C. (“Bank” and “Emirates NBD”) Credit Card spends promotion.

The Promotion (as defined below) is subject to the Emirates NBD Credit Card Terms and Conditions available at (“ENBD CC Conditions”) and the Emirates NBD General Terms and Conditions for Accounts and Banking Services (“ENBD General Terms and Conditions”) and these Promotion Terms and Conditions.

If there is any conflict between the ENBD General Terms and Conditions and the ENBD CC Conditions, the ENBD CC Conditions shall prevail. If there is any conflict between the Promotion Terms and Conditions and the ENBD CC Conditions or the ENBD General Terms and Conditions, the Promotion Terms and Conditions shall prevail.


One hundred and fifty (150) Eligible Credit Cardholders with Eligible Spend Target (as decided by the Bank) on Travel Categories during the Promotion Period will stand a chance to win AED 10,000 as cashback subject to the Promotion Terms and Conditions (“Promotion”).

Promotion Period

1 May 2023 to 30 June 2023 (“Promotion Period”)

Eligible Credit Card

This Offer is open only to selected Emirates NBD Credit Cardholders who have been sent specific communication from the bank through SMS, direct mail or email or Call Centre (“Direct Communication”). Enrollment rights are reserved and solely determined by the bank. (Each an “Eligible Credit Card”).

Promotion Eligibility

Each Eligible Credit Cardholder who achieves the Eligible Spend(s) is qualified to participate in the Promotion.


  • Eligible Credit Cardholders, automatically enter the Promotion subject to achieving the AED spends value within the specified categories, as has been communicated by Emirates NBD.
  • The following are expressly excluded from qualification as Eligible Spends in respect of an Eligible Card and the corresponding Eligible Cardholder and, accordingly, do not apply to this Promotion: (i) Dial-A-Cheque, (ii) Loan on Card or any cash advances in any currency; (iii) domestic and international cash withdrawals; (iv) refunds by retailers or otherwise; and (v) any fees or charges payable to the Bank; and (vi) any cancellation or reversal of an Eligible Spend.
  • Each Eligible Credit Cardholder subject to the Promotion Terms and Conditions (“Promotion”). will receive a cashback of AED 10,000.
  • If the Bank has sufficient grounds to believe that an Eligible Cardholder has violated any laws or regulations applicable in the UAE, the Bank shall be entitled to rescind and cancel any Cashback otherwise earned by the Eligible Cardholder in accordance with these Promotion Terms and Conditions.
  • No Eligible Cardholder may earn more than AED 10,000 worth of cashback during the Promotion Period.
  • This Promotion is not valid in conjunction with any other promotion, campaign or offer of Emirates NBD.
  • All Eligible Cards and corresponding Eligible Spends must be valid, active, not in default and in full compliance of the terms and conditions applicable to them.

General Terms

  • The Bank reserves the right to change or cancel any or all these Promotion Terms and Conditions without prior notice in its sole and absolute discretion.
  • All decisions of the Bank relating to the Promotion, each of which is at the sole and absolute discretion of the Bank, shall be final and conclusive.
  • The Bank shall not be liable for any losses resulting from the fluctuation of foreign currency exchange whilst converting the Eligible Spends to AED.


AED means the United Arab Emirates dirham.

Cashback means an accrued amount earned on eligible transactions as set forth in this document, as decided by the Emirates NBD at its absolute discretion and which shall be credited to the Eligible Card on 30 September 2023.

One Hundred and Fifty (150) Eligible Credit Cardholders, with Eligible Spends during the Promotion Period will stand a chance to get AED 10,000 as statement credit.

Eligible Cardholder means each primary cardholder of an Eligible Card to whom the offer to participate in the Promotion has been communicated by Emirates NBD.

Eligible Spend means cumulative domestic or international transactions, at a point of sale or online of AED value within the specified categories as has been communicated by Emirates NBD.

Each foreign transaction (Non-AED) will be converted to AED at the prevailing exchange rates.

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