Emirates NBD Credit Cards

Minimum Salary
0,00 د.إ

Description

Emirates NBD (ENBD) offers a comprehensive range of conventional credit cards—including travel co-branded, cashback, lifestyle, and business cards—each with consistent finance charges, transparent fee schedules, defined eligibility criteria, and clear documentation requirements. Matching your spend profile and annual income to the appropriate card maximizes rewards and minimizes costs.

Features

Card Summary Table

Card Variant	Min. Income (AED)	Annual Fee (AED)†	Finance Charge (Retail/month)	Welcome / Bonus Offer	Min. Spend Criteria
U by Emaar Infinite	20,000	1,575	3.25%	20,000 bonus points on AED 5,000 spend in 60 days	AED 5,000 in 60 days
dnata World / Platinum	15,000 / 10,000	1,048.95 / 525	3.25%	AED 750 travel credits on AED 7,500 spend in 60 days	AED 7,500 in 60 days
Skywards Infinite / Signature	15,000 / 12,000	1,575 / 735	3.25%	15,000 / 7,500 bonus miles on issuance	N/A
Marriott Bonvoy World	15,000	1,575	3.25%	30,000 bonus points on AED 3,000 spend	AED 3,000 in 60 days
Go4it Gold / Platinum	5,000 / 10,000	103.95 / 208.95	3.25%	Double points on Go4it categories	N/A
LuLu 247 Platinum / Titanium	15,000 / 5,000	262.50 / 0	3.25%	5% / 3% cashback at LuLu Hypermarkets	N/A
Webshopper Cards	5,000	52.50	3.25%	0% profit balance transfers for 3 months	N/A
Business Rewards	8,000	1,050	3.25%	1.25% cashback on fuel; 1% on other spends	N/A
Titanium / Diners Club	10,000	420	3.25%	2% cashback on dining	N/A

† All annual fees inclusive of 5% VAT.

Finance Charges & Interest-Related Fees

Retail Purchases:25% per month
Cash Advances:15% or AED 103.95 (whichever is higher)
Balance Transfers / 0% Installments: 0% profit for up to 3 months; AED 51.45 processing fee per transaction for 0% plans; 0.29%–1.99% flat monthly rates for longer tenors; 1.05% cancellation fee on outstanding balance of plan
Foreign Currency Transactions:99% of transaction value (including AED transactions on overseas-based websites)
Grace Period: Up to 55 days interest-free when full statement balance is paid by due date
Minimum Payment: 5% of statement balance or AED 100 (whichever is higher)
Late Payment Fee: AED 241.50 per month
Over-Limit Fee: AED 292.95 per month

Detailed Schedule of Fees

Fee Type	Amount
Annual Fee (principal card)	See Card Summary table
Supplementary Card	Free
Replacement Card	Go4it/Affinity: AED 21; Others: AED 52.50
Paper Statement	AED 5.25 per month
Duplicate Statement	AED 15.75 (≤3 mo) / AED 47.25 (>3 mo) per month
Sales Voucher Copy	AED 10.50
PIN Issuance / Replacement	Free
Cash Advance Fee	3.15% or AED 103.95
Balance Transfer Fee	AED 0 (3 mo) / 1.05% for 12 mo
EPP Processing Fee	AED 51.45 per transaction
Over-Limit Fee	AED 292.95 per month
Late Payment Fee	AED 241.50 per month
Foreign Transaction Fee	1.99%
International Delivery Charge	AED 157.50
Liability Letter	AED 52.50
Cheque / Direct Debit Return Fee	AED 105
Paper Statement Request	AED 5.25

Eligibility Criteria

Age: 21–65 years
Residency: Valid UAE residency visa & Emirates ID
Income: Minimum monthly salary of AED 5,000–20,000, depending on card tier
Employment: Salaried with salary transfer to ENBD or self-employed with audit-verified income
Credit Profile: Clean Al Etihad Credit Bureau record; no defaults

Documents Required

Passport copy with valid UAE residency visa page
Emirates ID (front and back)
Latest salary certificate or employment contract (for salaried)
Last 3 months’ bank statements
Salary transfer mandate (for payroll cards) or audited financials (self-employed)
Completed ENBD credit card application form

Additional Info

Travel Co-Branded Cards

U by Emaar Infinite: 20,000 Emaar points on AED 5,000 spend; VIP hotel privileges
dnata World / Platinum: AED 750 travel credits; complimentary lounge visits
Skywards Infinite / Signature: Bonus Etihad miles; lounge access; tier fast-track
Marriott Bonvoy World: 30,000 bonus points; elite night credits; hotel upgrades

Lifestyle & Cashback Cards

Go4it: Accelerated points in Go4it partner categories (dining, travel, shopping)
LuLu 247: Up to 5% cashback at LuLu; 1% on other spends
Webshopper: 0% profit balance transfers; flexible repayment
Business Rewards:25% cashback on fuel; 1% on all other business expenses