Emirates NBD Review - Credit Cards| North Loop Official Blog
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16 Nov 2020

Emirates NBD Review - Credit Cards

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About Emirates NBD -

Emirates NBD is one of the largest banking groups in the Middle East in terms of assets. It currently has more than 9000 people employed representing 70 nationalities and is one of the largest employers in the UAE. It was initially formed as National Bank of Dubai and later merged with Emirates Bank International to form Emirates NBD. Today, the total assets of the bank are around AED 500 billion with operations across the globe such as Egypt, India, Saudi Arabia, Singapore, UK and the UAE.

Emirates NBD Credit Card types -

The Emirates NBD credit cards fall into three broad categories based on the type of benefits they offer. These include Lifestyle Emirates NBD credit cards, Travel Emirates NBD credit cards and the Rewards Emirates NBD credit cards. The credit cards available within these categories are as follows -

Lifestyle Emirates NBD credit cards -

Emirates NBD WebShopper credit card
Emirates NBD Manchester United credit card
Emirates NBD Go4it Gold credit card
Emirates NBD Go4it Platinum credit card

Travel Emirates NBD credit cards -

Emirates NBD dnata Platinum credit card
Emirates NBD World credit card
Emirates NBD Skywards Signature credit card
Emirates NBD Skywards Infinite credit card
Emirates NBD Marriott Bonvoy World Mastercard credit card

Reward Emirates NBD credit cards -

NBD Diners Club credit card
Emirates NBD Mastercard Titanium credit card
Emirates NBD Mastercard Platinum credit card
Emirates NBD Visa Platinum credit card
Emirates NBD Visa Infinite credit card
Emirates NBD Duo credit cards
Emirates NBD U By Emaar Infinite credit card
Emirates NBD LuLu 247 Mastercard Platinum credit card
Emirates NBD U By Emaar Signature credit card
Emirates NBD U By Emaar Family credit card
Emirates NBD LuLu 247 Mastercard Titanium credit card

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Emirates NBD credit card features -

Here are some of the Emirates NBD credit card features -

SMS alerts - You can get SMS alerts on every transaction made with your credit card so that you can identify any unauthorised use immediately.

No-Touch payment - It provides contactless payments that enable quick and secure payments while also protecting the card’s magnetic strip from damage due to everyday wear and tear.

24*7 support - Support facility is available all the time and can get availed through online chats or via phone.

Online banking - You can access your Emirates NBD credit card bank account statements online and even request for an increase in credit limit.

Instalment plans - Most of the Emirates NBD credit cards come with an easy instalment feature. That gives you the ability to pay monthly instalments for any large amount transactions at participating merchants at 0% interest for tenors of up to 12 months.

Purchase protection - Some of the Emirates NBD credit cards come with purchase protection. That means, for purchases over USD 100, you can get replacements or refunds for any stolen, lost or damaged eligible item purchased with the card.

Instant cash - You can get access to cash up to 50% of your credit card limit from any ATM around the globe.

Protect plus insurance - It provides coverage in case of any unforeseen circumstances, and covers loss of employment, death, permanent disability, and terminal illnesses.

Documents required to apply for Emirates NBD credit card -

The documents required to apply for the credit cards mentioned above are as follows -

Copy of Emirates ID (for UAE nationals)
Original passport and its copy
Latest salary certificate
Original bank statements for the last three months
A security cheque

The documents required to apply for Emirates NBD supplementary cards are as follows -

Original passport and its copy
The original Emirates NBD credit card

Emirates NBD credit card charges -

Several types of charges can get incurred on your credit cards. Some of the most common charges applicable on the Emirates NBD credit cards are as follows -

Late payment charge - For late payments, Emirates NBD credit card charge is AED 230.
Over limit charge - For over limit, Emirates NBD credit card charge is AED 279.
Card replacement charge - For replacement of the Go4it Emirates NBD credit card, the charge is AED 50. For all the other cards, it is AED 20.

Some other charges that get incurred include cheque return charges, paper statement charges, services currency transaction charges, and more. You can access the entire list of the Emirates NBD credit card charges on their website.

Conclusion -

Even though Emirates NBD may be an old name in the banking industry in Dubai, it has failed to impress its customers. The reasons for that maybe its slow services, poor customer support, and delayed money transfer facilities. The users also had some negative points to share about the Emirates NBD credit card facilities on online customer review platforms.

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This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended be advice. You must obtain professional advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax, investment or other professional advice from North Loop or its affiliates. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. All opinions expressed do not reflect the views of North Loop nor are endorsed by North Loop.