The journey to getting a credit card is not an easy one. It requires lots of research to find the right kind of credit card for you and then jumping through a bunch of hoops to finally get it. To make this journey easy for you we suggest Emirates NBD credit card and don’t worry we have done the research for you.
Why choose Emirates NBD Bank in the first place?
Emirates NBD Bank may have been founded in 2007, but it is rooted in history and its predecessors have been operating in UAE and the greater Middle East for the better part of the century now. It is not only a government-owned bank but one of the largest in the region.
As such its service history is impeccable and it has branches not only in the Middle East but also in countries like Turkey, the UK, Germany, Singapore, and many more. But most importantly its credit card offers are well-rounded and well-balanced for people from all walks of life.
Benefits of using Emirates NBD credit card
It is the benefits that Emirates NBD bank provides its credit card users that give it a leg over its competitors and here are some of these benefits that you will receive when using Emirates NBD credit card.
Reward and Loyalty Program
Emirates NBD has one of the best reward and loyalty programs out there. Every Dirham you spend using your credit card adds miles and points to your account and there is no limit to the number of places you can use these points and miles. In case you don’t want to use them, there is always the cashback option.
Pay your Utility Bills
Your Emirates NBD credit card comes with the NBD app and online banking services. Using this card, you can pay for DEWA, SEWA, and FEWA in a matter of minutes. You can even top up your Salik account using the Emirates NBD card.
Fraud Protection
Emirates NBD has state-of-the-art security measures in place to protect you against any fraudulent activities and unauthorized transactions. In case you lose your credit card, it can be canceled at a moment’s notice and lastly, you are card comes with extended insurance against fraudulent activities.
The Perfect Travel Partner
It goes without saying but Emirates NBD credit card is accepted worldwide. Moreover, with your card, you can avail of discounts from outlets partnered with the bank. You can even get free concierge service, complimentary access to airport lounges around the world and did we mention golf privileges?
*Some of these services are dependent on the type of credit card you have.
Types of Emirates NBD credit cards
When it comes to choosing the right credit card, Emirates NBD has 25 options to choose from. However, they can be divided into four broad categories, and from these categories, you can choose the Emirate NBD credit card that best fits your lifestyle.
Infinite Credit Cards
These are the highest-tier that Emirates NBD credit card has to offer and are targeted towards individuals with substantial net worth. The annual fee on these cards may be high for an average individual but the perks, the personalized service, and the higher credit limit make up for it.
Annual Fee: Around AED 1500 depending on the card, you choose.
Signature Credit Cards
Signature credit cards are not far behind Infinite credit cards in terms of the services they provide. They are a perfect fit for those who enjoy the finer things in life and like to travel and shop a lot. The annual fee on these cards may not be as high as infinite credit cards but it is still substantial.
Annual Fee: Around AED 735 depending on the card, you choose.
Platinum Credit Cards
Platinum credit cards are perfect for an everyday Joe. They are balanced for everyday use and travel and offer great rewards and perks for both. The annual fee is not so high, so everyone can afford them, and depending on your need you can choose from different types of platinum cards.
Annual Fee: From AED 0 to AED 525 depending on the card you choose.
Titanium and Gold Credit Cards
Titanium and other specialty cards like these are there for people who are still making their way through the world and have specific requirements that need to be catered to. These Emirates NBD credit cards have no annual fee and are perfect for students and young professionals who are just starting in life.
Annual Fee: No annual or joining fee.
Eligibility criteria for Emirates NBD credit card
The eligibility criteria to get the credit card are as follows.
- You need to be at least 21 years old to apply for a credit card.
- Both expats working in UAE and UAE nationals can apply for a credit card.
- You need to have a minimum salary of AED 5000 to apply for a credit card.
*Salary requirements can change depending on the type of credit card you are getting.
Documentation required for getting an Emirates NBD credit card
To get a credit card from Emirates NBD you need to have the following documents.
- Proof of Identity: A copy of passport and Emirates ID for the residents along with originals for verification. For expats, a copy of their passport and visa along with the originals is required.
- Proof of Income: You need to show the latest salary certificate along with a bank statement for the last 3 to 6 months.
- For business owners and self-employed: A copy of a trade license is required.
- Proof of address: The utility bill may be required as proof of address.
- Additional requirements: In some instances, the bank may require additional guarantees like a fixed deposit or a security check.
Conclusion
When utilized properly a credit card provides a lot of perks and can come in very handy when in a pinch. But it only works when you choose the right kind of credit card and with the Emirates NBD credit card you cannot go wrong as the bank not only takes your needs into account but also provides excellent customer service
