Emirates NBD
The card that lives up to your lifestyle
Sources and verification
We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.
Rewards
Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.
Up to 0.40%
Spend tier
Published reward rule
Rate
0.40%
Cap
No cap listed
Earn up to 1.5 points for every 100 AED spent on retail. 0.4% points on supermarkets, grocery, insurance and car dealership spends. 0.2% points for fuel, utility, real estate and education spends. Plus Points earning cap per statement is applicable.
SourceThese are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.
Enhanced protection with 0.99% monthly fee of card's outstanding balance. Up to 300,000 AED decease cover per cardholder, 100 AED payout per day in case of hospitalization, up to 60,000 AED job loss cover for up to 12 months or until re-employment.
Stored as 0.99% · Default
Up to 10% discount when you book with Trip.com
Stored as 10.00% · Travel General
Up to 30% discount at over 2,000 restaurants across the UAE
Stored as 30.00% · Dining
0% interest Easy Payment Plans at select merchant outlets for 3, 6, 12 or 24 months. Buy electronics, jewelry, home décor, travel and entertainment tickets.
Stored as 0.00% · Travel General
Up to 40% discount at over 100 golf courses worldwide
Stored as 40.00% · Default
Access a world of privileges and special perks along with a range of carefully selected offers. Earn up to 1.5% Plus Points on retail spends, complimentary access to 900+ airport lounges, and up to 30% discount at over 2,000 restaurants across the UAE.
Stored as 1.50% · Default
Mastercard Travel Pass Airport Lounge Access
Lounge Access
Complimentary access to 900+ airport lounges worldwide with Mastercard Travel Pass
Conditions: Mastercard Travel Pass membership
Trip.com Travel Discount
Discount
Up to 10% discount when you book with Trip.com
Conditions: Book through Trip.com
Golf Privileges
Discount
Up to 40% discount at over 100 golf courses worldwide
Conditions: Available to cardholders
24/7 Roadside Assistance
Service
Round-the-clock roadside assistance
Conditions: Available to cardholders
Credit Shield Pro
Insurance
Enhanced protection with 0.99% monthly fee of card's outstanding balance. Up to 300,000 AED decease cover per cardholder, 100 AED payout per day in case of hospitalization, up to 60,000 AED job loss cover for up to 12 months or until re-employment.
Conditions: Opt-in required with 0.99% monthly fee on outstanding balance
Purchase Protection
Insurance
Protection for purchases made with the card
Conditions: Mastercard benefit
Plus Points Rewards
Rewards
Earn up to 1.5 points for every 100 AED spent on retail. 0.4% points on supermarkets, grocery, insurance and car dealership spends. 0.2% points for fuel, utility, real estate and education spends. Plus Points earning cap per statement is applicable.
Conditions: Spending on eligible categories
Utility Bill Payments
Service
Pay utility bills using the credit card
Conditions: Available to cardholders
Contactless Payments
Payment Feature
Make secure, cashless payments using compatible phone or wearable via Apple Pay, Samsung Pay, Google Pay, and Garmin Pay
Conditions: Compatible device required
Auto Salik Top-up
Service
Automatic top-up for Salik toll payments
Conditions: Set up required
Dining Discounts
Discount
Up to 30% discount at over 2,000 restaurants across the UAE
Conditions: Use card at participating restaurants
Interest-Free Days
Financial
Interest-free period on purchases
Conditions: Pay balance in full by due date
0% Easy Payment Plans
Installment
0% interest Easy Payment Plans at select merchant outlets for 3, 6, 12 or 24 months. Buy electronics, jewelry, home décor, travel and entertainment tickets.
Conditions: Purchase at participating merchants
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