Emirates NBD
Make your credit card as unique as you! This first-of-its-kind card allows you to choose the benefits that matter the most to you
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 1.5 Plus Points for every 100 AED spend on retail. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends.
SourceUp to 0.40%
Spend tier
Published reward rule
Rate
0.40%
Cap
No cap listed
Earn 1.5 Plus Points for every 100 AED spend on retail. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends.
SourceUp to 0.40%
Spend tier
Published reward rule
Rate
0.40%
Cap
No cap listed
Earn 1.5 Plus Points for every 100 AED spend on retail. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends.
SourceUp to 0.40%
Spend tier
Published reward rule
Rate
0.40%
Cap
No cap listed
Earn 1.5 Plus Points for every 100 AED spend on retail. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends.
SourceUp to 0.40%
Spend tier
Published reward rule
Rate
0.40%
Cap
No cap listed
Earn 1.5 Plus Points for every 100 AED spend on retail. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends.
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 insurance coverage with 0.99% monthly fee of Card's outstanding balance. Up to AED 300,000 decease cover per cardholder. AED 100 payout per day in case of hospitalization. Up to AED 60,000 job loss cover for up to 12 months or until re-employment.
Stored as 0.99% · Default
Introducing the Visa Flexi Credit Card – this first-of-its-kind card allows you to choose the benefits that matter the most to you. Get rewarded for all your retail spends with 1.5% rewards, complimentary access to 900+ airport lounges, and personalize your benefits by choosing from a variety of Travel, Lifestyle and Entertainment options.
Stored as 1.50% · Default
Shop at participating merchants and pay back in 3, 6, 12 or 24 months with 0% interest on electronics, jewelry, home décor, travel and entertainment tickets
Stored as 0.00% · Travel General
Airport Lounge Access
Lounge Access
Complimentary access to 900+ airport lounges worldwide
Conditions: Customizable benefit - must be selected as one of 3 travel benefits
Global Blue
Shopping
Exclusive member benefits on hassle-free tax refunds
Conditions: Customizable travel benefit option
Airport Transfers
Transportation
Complimentary transfers to the airport & back
Conditions: Customizable travel benefit option
Flight Delay Lounge
Lounge Access
Access to special lounges in case of flight delays
Conditions: Customizable travel benefit option
Medical & Travel Assistance
Insurance
Free insurance cover for trips less than 180 days. Emergency medical and legal referral service.
Avis Car Rental Discounts
Car Rental
Discounts on Avis Car Rental and Chauffeur Services
eSIM Global Data Roaming
Telecom
Complimentary 3GB eSim global data roaming
Conditions: Customizable travel benefit option
BookingBash Travel Offers
Travel Booking
Special travel booking offers through BookingBash
Cleartrip Travel Discount
Travel Booking
Discounts on travel bookings through Cleartrip
Careem Discounts
Transportation
Discounts on rides, food deliveries and groceries
Conditions: Customizable lifestyle benefit option
SupperClub Premium Dining
Dining
12 months Signature Premium Dining membership
Conditions: Customizable lifestyle benefit option
Golf Privileges
Sports
Complimentary rounds of golf in the UAE
Conditions: Customizable lifestyle benefit option
Concierge Service
Concierge
Complimentary assistance for all your needs
Conditions: Customizable lifestyle benefit option
The Entertainer Buy 1 Get 1 Free
Dining Shopping
Buy 1 get 1 free offers through The Entertainer app
24/7 Roadside Assistance
Assistance
24/7 roadside assistance service
Plus Points Rewards
Rewards Program
Earn 1.5 Plus Points for every 100 AED spend on retail. 0.4% Points for supermarkets, groceries, insurance and car dealership spends. 0.2% Points for fuel, utility bill payments, real estate and education spends.
Conditions: Plus Points earning cap per statement is applicable.
Auto Salik Top-up
Payment Service
Automatic Salik toll payment top-up service
Contactless Payments
Payment Technology
Support for Apple Pay, Samsung Pay, Google Pay, and Garmin Pay for secure contactless payments
Customizable Benefits Program
Lifestyle
Choose and customize your benefits. Add up 6 benefits on top of the existing advantages: Choose 3 out of 5 Travel benefits, Select 2 out of 4 Lifestyle perks, Pick 1 out of 3 Entertainment treats.
Conditions: Must select benefits through portal at myvisacardportal.com/enbd
Anghami Music Streaming
Entertainment
6 months complimentary subscription
Conditions: Customizable entertainment benefit option
VOX Cinemas Discounts
Entertainment
Discounts on THEATRE and 4DX movie experiences
Conditions: Customizable entertainment benefit option
STARZPLAY Streaming
Entertainment
3 months free entertainment and sports subscription
Conditions: Customizable entertainment benefit option
0% Installment Plans
Financing
Shop at participating merchants and pay back in 3, 6, 12 or 24 months with 0% interest on electronics, jewelry, home décor, travel and entertainment tickets
Credit Shield Pro Insurance
Insurance
Enhanced insurance coverage with 0.99% monthly fee of Card's outstanding balance. Up to AED 300,000 decease cover per cardholder. AED 100 payout per day in case of hospitalization. Up to AED 60,000 job loss cover for up to 12 months or until re-employment.
Conditions: 0.99% monthly fee of Card's outstanding balance
Extended Warranty
Insurance
Extended warranty protection on purchases made with the card
Purchase Protection
Insurance
Free insurance for big ticket purchases
No verified active promotions yet.
Ready when you are
Add your cards, run a checkout you would actually make, and see what changes. If Tilla does not earn its keep, walk away. There is nothing to cancel.
Your wallet, optimised
Cards, offers, and perks in one place
→ Best card for every checkout, cap-aware
→ Salary-transfer bonuses worth switching for
→ Perks that replace memberships you already pay for