Emirates NBD offers a diverse range of credit cards in the UAE, targeting everyone from avid travellers to those seeking daily cashback. With many options, users can enjoy rewards such as Voyager or Skywards Miles, complimentary lounge access and enhanced lifestyle perks. Interest rates and credit limits vary across cards, with competitive offerings for top-tier options like World Elite or Infinite cards. Income and age requirements apply, generally favouring those with a stable salary or a substantial average bank balance.

신청 방법: 단계별 안내

• Check your eligibility (age and income criteria)
• Select the right card based on your lifestyle needs
• Gather required documents (Emirates ID, salary certificate, bank statements if self-employed)
• Submit your application through the secure Emirates NBD online portal or in-branch
• Wait for approval and receive your card at your specified address

주요 장점

Reward Programmes & Travel Benefits

Emirates NBD credit cards are noted for generous rewards schemes like miles, points or cashback on all eligible spending. Top-tier cards grant automatic elite hotel or airline statuses, and access to 900+ airport lounges worldwide. Many cards allow the conversion of all major purchases into flexible monthly instalments, making budgeting easier.

Flexibility and Lifestyle Perks

In addition to impressive travel features, cardholders enjoy exclusive discounts on shopping, dining and entertainment. Flexible plans such as 0% balance transfer or quick cash advances add more convenience for cardholders.

Considerable Disadvantages

Eligibility and Minimum Income Requirements

Not everyone qualifies, with stricter conditions for premium cards (like AED 5,000 or AED 50,000 average balance). Some cards also carry annual fees, though select variants may waive these for the first year or as a lifetime benefit.

Interest Rates & Charges

Interest rates can be relatively high if balances are carried over month to month. Extra perks may require higher spends, so low-volume users may not benefit as much from elite features.

평결: 누가 지원해야 할까?

Our Take

Emirates NBD credit cards are appealing for frequent travellers, savvy spenders and those who value premium perks. However, to maximise benefits, ensure your income meets requirements and you regularly use the card for eligible spends. For shoppers seeking flexible payment plans and unique local partnerships, Emirates NBD remains a leading choice for personal finance in the UAE.