Emirated NBD

Emirates NBD

Emirates NBD is one of the leading banks in the UAE, offering a wide range of financial products and services to individuals, businesses, and corporations. Known for its innovative banking solutions and exceptional customer service, Emirates NBD provides services including personal banking, corporate banking, wealth management, loans, and credit cards. With a strong presence across the UAE and a growing international footprint, Emirates NBD continues to set the benchmark for digital transformation in the banking sector. The bank’s commitment to excellence has made it a trusted financial partner for millions of customers.

Overview of Emirates NBD:-

Established in 2007 after the merger of Emirates Bank International and National Bank of Dubai, Emirates NBD has consistently set benchmarks in banking innovation and service excellence. With a strong regional presence and international reach, the bank operates over 900 ATMs and 100 branches across the UAE, serving millions of customers.

  • Headquarters: Dubai, UAE
  • SWIFT Code: EBILAEAD (General Swift Code for UAE Branches)

Emirates NBD Online Banking:-

Emirates NBD’s Online Banking platform is a secure and highly accessible solution for customers to manage their banking needs without needing to visit a branch. It allows customers to access and control their accounts, transfer funds, pay bills, apply for financial products, and more—all from the comfort of their home or on the go.

Key Benefits of Online Banking:

  • 24/7 Access: Access your accounts and conduct transactions any time of day or night.
  • Secure Transactions: Built-in encryption, two-factor authentication, and fraud protection ensure your banking experience is safe.
  • Convenience: Complete banking tasks without needing to visit a branch or ATM.
  • User-Friendly Interface: Easy-to-use design for both desktop and mobile devices.
  • Multi-Device Support: Available on computers, tablets, and mobiles.

Key Features of Emirates NBD Online Banking:-

Account Management

    • View Account Balances: Instantly check the balances of all your Emirates NBD accounts, whether they are savings, current, or fixed deposit accounts.
    • Transaction History: Access detailed transaction history, which can be filtered by date or type, and download statements for financial record-keeping.
    • Account Statements: Request, download, or print account statements for various periods.

Funds Transfer

    • Domestic Transfers: Transfer funds between your Emirates NBD accounts or to any other Emirates NBD account. Transfers can be scheduled for immediate or future dates.
    • International Transfers: Transfer money abroad securely using SWIFT or via the bank’s remittance services to over 100 countries. You can check exchange rates in real-time and ensure the best deals on foreign transactions.
    • Recurring Transfers: Set up regular, automatic transfers to other bank accounts or recurring bill payments (e.g., rent or subscription services).

Bill Payments

  •       Utility Bill Payments: Pay electricity, water, telecom, and other utility bills directly through the Online Banking portal.
    • Credit Card Payments: Easily pay off your Emirates NBD credit card balance or any other credit card you’ve linked to your account.
    • Top-up Payments: Top up your Nol Cards (for Dubai Metro) or mobile phone balance, among other service providers.

Credit Cards & Loan Management

    • Credit Card Management: Monitor your credit card usage, check available credit, and pay bills. You can also request credit limit increases and apply for additional cards online.
    • Personal Loan & Home Loan Application: Apply for personal loans, home loans, or auto loans through the online platform by submitting required documents and tracking the status of your application.

Fixed Deposits & Investment Management

    • Investment Services: Manage and invest in a range of mutual funds, stocks, and fixed income instruments.
    • Fixed Deposit Creation: Easily create fixed deposits directly from the Online Banking platform, choose your tenure, and manage your investments in one place.

Security Features

    • Two-Factor Authentication (2FA): Each time you log in or authorize transactions, you will need to confirm your identity via a second factor, such as an SMS OTP (One-Time Password) or Smart Pass.
    • Smart Pass: This is an additional layer of security that requires authentication for financial transactions made through the Online Banking platform.
    • Transaction Notifications: Receive instant notifications via email or SMS for any transaction activity.
Customer Support
    • Chat with Eva: Eva, Emirates NBD’s AI-powered chatbot, is available 24/7 to answer queries related to your banking, account inquiries, and transactions.
    • Help Center: Access a comprehensive help center that provides answers to frequently asked questions, guides, and troubleshooting information.
    • Live Chat: Speak directly to a customer service agent for real-time assistance.

How to Access Emirates NBD Online Banking:-

  1. Online Banking for Desktop (Web Portal)

  • Step 1: Go to the Emirates NBD Website www.emiratesnbd.com.
  • Step 2: Click on the “Login to Online Banking” option at the top right of the homepage.
  • Step 3: Enter your User ID and Password to log in to your account.
  • Step 4: You will be prompted to authenticate using Smart Pass or an OTP sent to your mobile number.
  • Step 5: Once authenticated, you will have full access to your accounts and banking services.
  1. Mobile Banking (Smartphone & Tablet App)

Emirates NBD offers an easy-to-use mobile banking app for both iOS and Android devices.

  • Step 1: Download the Emirates NBD Mobile Banking app from the Apple App Store or Google Play Store.
  • Step 2: Open the app and log in using your Online Banking credentials or set up biometric login (fingerprint or facial recognition).
  • Step 3: Use the app to perform transactions such as transfers, payments, account management, and more.

Emirates NBD Credit Card: Everything You Want To Know

This comprehensive guide covers everything you need to know about Emirates NBD credit cards — from activation and usage to key benefits like rewards programs, cashback, travel perks, security features, and fees. Whether you’re a new cardholder or looking to maximize your current credit card, this guide will help you navigate the process.

Emirates NBD credit card

Types of Emirates NBD Credit Cards:-

Emirates NBD offers a diverse range of credit cards tailored for various needs. These cards come with different features and benefits, allowing you to choose one that best suits your spending habits.

1. Emirates NBD Rewards Cards

  • Emirates NBD Skywards Infinite Credit Card: A premium card offering Emirates Skywards Miles, perfect for frequent travelers. You can earn miles with every purchase and redeem them for flights, upgrades, and more with Emirates.
  • Emirates NBD Rewards Credit Card: This card offers reward points on every purchase, which can be redeemed for a wide variety of products, services, and experiences.

2. Emirates NBD Cashback Cards

  • Emirates NBD Cashback Credit Card: Ideal for those who prefer instant cashback on their spending. This card provides cashback on everyday purchases like groceries, dining, and utilities.

3. Emirates NBD Platinum and Signature Cards

  • Emirates NBD Platinum Credit Card: Offers premium benefits like travel insurance, access to luxury lounges, and higher credit limits.
  • Emirates NBD Signature Credit Card: Designed for those who seek luxury benefits, including concierge services, access to exclusive events, and greater spending power.

How Emirates NBD Credit Cards Work

An Emirates NBD credit card allows you to make purchases, pay bills, and withdraw cash up to your credit limit. Here’s how the credit card works:

  • Credit Limit: Based on your financial profile, income, and the type of card you apply for, Emirates NBD will assign a credit limit to your card. This limit is the maximum amount you can spend or borrow. Cash limits (for ATM withdrawals) are typically set at a percentage of the total credit limit (around 30%-50%).
  • Billing Cycle: Each month, your credit card will have a billing cycle. At the end of the cycle, you’ll receive a statement showing the minimum payment due and the total amount due. If you pay the total amount due by the due date, no interest will be charged. Otherwise, interest will apply.
  • Payment Options: You can make partial payments (minimum due), full payments, or set up auto-pay for automatic monthly payments from your linked bank account.

How to Activate Your Emirates NBD Credit Card

Once you receive your Emirates NBD credit card, you’ll need to activate it before you can start using it. The activation process is simple and can be done through several methods.

1. Activate via Emirates NBD Mobile Banking App

  1. Download and Open the Emirates NBD mobile app from the Google Play Store or Apple App Store.
  2. Log In using your user ID and PIN.
  3. Go to the Credit Cards section.
  4. Select Activate New Card.
  5. Enter the CVV number (found on the back of your card) and follow the on-screen instructions.
  6. Your card will be activated instantly.

2. Activate via Emirates NBD Customer Support

You can also activate your card by calling Emirates NBD customer service. After verifying your identity, they will activate your card on your behalf.

3. Activate via ATM

  • Visit any Emirates NBD ATM.
  • Insert your new card and follow the on-screen instructions.
  • Enter your PIN to activate your card.

Credit Card Cash Limits:-

Each Emirates NBD credit card has a specific cash withdrawal limit, which determines the maximum amount you can withdraw from an ATM or through other means.

1. Cash Withdrawal Limits

  • Standard Credit Cards: For basic credit cards, the cash withdrawal limit is typically set to 30-50% of your credit limit. For example, if your credit limit is AED 10,000, you can withdraw up to AED 3,000 to AED 5,000 in cash.
  • Premium Credit Cards: Higher-tier cards like the Emirates NBD Signature or Skywards Infinite Credit Cards may offer higher cash withdrawal limits — up to 50% or more of the credit limit, which can go as high as AED 50,000 or more for some premium cardholders.

2. Fees and Interest on Cash Withdrawals

While cash withdrawals are possible, they often come with higher fees and interest rates compared to regular purchases. Typically, the following charges apply:

  • Cash Withdrawal Fee: 3% of the withdrawn amount (or a minimum fee of AED 100).
  • Cash Advance Interest: Interest is usually charged from the day of withdrawal, with rates as high as 3.5% per month.

Key Benefits and Features

1. Rewards Programs

  • Skywards Miles: For Emirates NBD Skywards credit cardholders, every dirham spent earns you Skywards Miles, which can be redeemed for flights, seat upgrades, hotel stays, and exclusive experiences with Emirates.
  • Rewards Points: With other cards like the Emirates NBD Rewards Credit Card, you earn reward points on every purchase, which can be redeemed for a variety of products, gift cards, and services.

2. Cashback

For those who prefer instant rewards, Emirates NBD Cashback Credit Cards offer cashback on various spending categories:

  • Up to 2% Cashback on groceries, utility bills, and dining.
  • 1% Cashback on all other purchases.

3. Travel Perks

  • Airport Lounge Access: Enjoy complimentary access to over 1,000 airport lounges worldwide, especially with the Signature and Platinum cards.
  • Travel Insurance: Complimentary travel insurance is included with select Emirates NBD credit cards, covering trip cancellations, lost luggage, and emergency medical assistance.

4. Exclusive Discounts

  • Dining: Get discounts at top restaurants, hotels, and cafes across the UAE and abroad.
  • Shopping: Enjoy exclusive offers at luxury brands and retailers.
  • Entertainment: Access discounts and special offers for movie tickets, concerts, and other events.

Fees, Interest Rates, and Charges

Understanding the fees associated with your Emirates NBD credit card is essential to avoid unexpected charges.

  • Annual Fees: The annual fee varies depending on the card type. Platinum and Signature cards typically have higher fees, while standard cards have more affordable fees.
  • Interest Rates:
    • Purchase Interest: Typically 2.99% to 3.5% per month (annualized rates of 35.88% to 42%).
    • Cash Advance Interest: Higher rates, usually around 3.5% per month.
  • Late Payment Fee: If you miss your payment, a fee of around AED 100 will be applied.
  • Overlimit Fee: Exceeding your credit limit could incur a AED 100
  • Cash Advance Fee: 3% of the withdrawn amount or a minimum fee of AED 100.

Mobile Wallet Integration and Digital Banking Services

Emirates NBD credit cards are designed for seamless integration with mobile wallets and digital banking platforms.

1. Mobile Wallets

  • Apple Pay: Add your Emirates NBD credit card to Apple Wallet for easy, secure payments using your iPhone or Apple Watch.
  • Google Pay: Use your Emirates NBD credit card with Google Pay for contactless payments at millions of locations worldwide.

2. Emirates NBD Digital Banking

  • Emirates NBD Mobile App: Manage your card, track spending, view statements, and make payments directly from your mobile phone.
  • Online Banking: The Emirates NBD online portal allows you to check your transactions, make payments, request credit limit increases, and more.

Security Features

Emirates NBD credit cards are equipped with advanced security features to protect against fraud and unauthorized transactions:

  • EMV Chip Technology: Provides enhanced security for in-person purchases by generating a unique transaction code for each purchase.
  • Two-Factor Authentication (2FA): For online transactions, you’ll be required to authenticate with an OTP (One-Time Password) sent to your phone or email.
  • Fraud Detection: Emirates NBD continuously monitors your account for suspicious activity and will alert you in case of any unusual transactions.
  • Virtual Card Numbers: For added security when shopping online, you can use a virtual card number, which can be generated through the mobile app.

Guide to Emirates NBD Loans: Application Process, Requirements, and More

This detailed guide will walk you through everything you need to know about Emirates NBD loans, including how to apply, the types of loans they offer, eligibility criteria, documentation required, and more. We’ll also explore the loan amounts available, interest rates, repayment options, and other important aspects to help you make an informed decision.

Types of Loans Offered by Emirates NBD

Emirates NBD offers various loan products tailored to different financial needs. The main loan categories include:

  1. Personal Loans

Emirates NBD’s Personal Loan is an unsecured loan, meaning it doesn’t require collateral. You can use it for any personal expenses, including vacations, education, emergencies, or buying household items.

  • Loan Amount: You can borrow between AED 5,000 to AED 500,000.
  • Repayment Period: You can repay the loan over 12 to 48 months.
  • Interest Rates: The interest rates are competitive, typically starting from 3.25% per annum (on reducing balance).
  1. Car Loans

Emirates NBD offers Car Loans to help you finance the purchase of a new or used car.

  • Loan Amount: You can borrow up to 80% of the car’s value (new cars), or up to 70% for used cars.
  • Repayment Period: Flexible repayment terms ranging from 12 to 60 months.
  • Interest Rates: Rates start from 2.99% per annum (on reducing balance).
  1. Home Loans

Emirates NBD’s Home Loan product allows you to buy, build, or refinance a property in the UAE.

  • Loan Amount: You can borrow up to 80% of the property value for expats and up to 85% for UAE nationals.
  • Repayment Period: Home loans are available with a repayment period of up to 25 years.
  • Interest Rates: The interest rate starts from 3.24% per annum (on reducing balance).
  1. Loan Against Salary (Personal Loan on Salary Transfer)

If you’re employed in the UAE and your salary is transferred to an Emirates NBD account, you can apply for a Salary Transfer Loan.

  • Loan Amount: The loan amount varies depending on your salary, but you can borrow up to 20 times your monthly salary.
  • Repayment Period: Typically, the repayment term is between 12 and 48 months.
  • Interest Rates: Starting from 3.25% per annum (on reducing balance).

  1. Debt Consolidation Loans

If you have multiple outstanding loans or credit card debts, you can use Emirates NBD’s Debt Consolidation Loan to combine them into a single loan with a lower interest rate.

  • Loan Amount: Up to the value of your outstanding debts.
  • Repayment Period: Repayment terms range from 12 to 48 months.
  • Interest Rates: Competitive rates starting from 3.25% per annum.

How to Apply for an Emirates NBD Loan

Applying for an Emirates NBD loan is a straightforward process. You can apply through several channels:

  1. Online Application

Emirates NBD offers an easy-to-use online application process on their website. Here’s how to apply:

  1. Visit the Emirates NBD website: Go to the official website of Emirates NBD and navigate to the loan section.
  2. Choose the Loan Type: Select the type of loan you want to apply for (personal loan, car loan, home loan, etc.).
  3. Fill in the Application Form: Provide your personal details, employment information, income details, and the loan amount you require.
  4. Submit the Application: After filling in all the required information, submit your loan application. You’ll usually receive a response within a few business days.
  1. Apply Through the Emirates NBD Mobile Banking App

If you have an Emirates NBD account, you can apply for a loan via their mobile banking app. The process is similar to the online application, and you can track the status of your application directly from the app.

  1. Apply by Visiting an Emirates NBD Branch

If you prefer in-person assistance, you can visit any Emirates NBD branch. The bank’s staff will help you fill out the loan application form, provide guidance, and answer any questions you may have.

 

Eligibility Requirements

To qualify for an Emirates NBD loan, you need to meet certain eligibility criteria, which may vary slightly depending on the type of loan you are applying for.

  1. General Eligibility Criteria

  • Age: Applicants must be at least 21 years old but not older than 60 years at the time of loan maturity.
  • UAE Residency: You must be a UAE resident or a UAE national.
  • Income: Your monthly income should meet the bank’s minimum requirement. Typically, it is AED 5,000 or higher for personal loans, but it may vary for other loan types.
  • Employment Status: You should be employed with a stable job or self-employed with verifiable income sources. Some loans, such as the Salary Transfer Loan, require you to have your salary transferred to an Emirates NBD account.
  1. Specific Loan Eligibility
  • Personal Loan: A minimum monthly salary of AED 5,000.
  • Car Loan: A minimum monthly salary of AED 8,000 for new cars and AED 5,000 for used cars.
  • Home Loan: A minimum monthly salary of AED 15,000 for expatriates, and AED 10,000 for UAE nationals.
  • Debt Consolidation Loan: You must have at least two existing loans or credit card debts that you want to consolidate.

Documentation Required

The documentation required for an Emirates NBD loan application varies depending on the type of loan and your employment status. Here’s a general list of the documents needed for most loans:

  1. Personal Loans
  • Valid Passport Copy (for expatriates).
  • UAE National ID (for UAE nationals).
  • Emirates ID (for both nationals and expatriates).
  • Salary Certificate or Pay Slips (last 3 months).
  • Bank Statements (last 3 months).
  • Proof of Residence (utility bill or tenancy contract).
  1. Car Loans
  • Car Proforma Invoice (if purchasing a new car).
  • Vehicle Registration Card (for used cars).
  • Valid Passport Copy (for expatriates).
  • UAE National ID (for UAE nationals).
  • Salary Certificate or Pay Slips (last 3 months).
  • Bank Statements (last 3 months).
  • Proof of Residence (utility bill or tenancy contract).
  1. Home Loans
  • Property Documents (sale agreement, title deed, etc.).
  • Salary Certificate or Pay Slips (last 3 months).
  • Bank Statements (last 6 months).
  • Emirates ID.
  • Passport and Visa (for expatriates).
  1. Debt Consolidation Loans
  • Statements for Existing Loans or Credit Cards.
  • Salary Certificate or Pay Slips.
  • Emirates ID and Passport Copy.

Loan Amounts and Interest Rates

  1. Loan Amounts
  • Personal Loans: Loan amounts range from AED 5,000 to AED 500,000.
  • Car Loans: Emirates NBD typically finances up to 80% of the car value (new car) or 70% (used car).
  • Home Loans: Loan amounts can be up to 85% of the property value (for UAE nationals) or 80% for expatriates.
  • Debt Consolidation Loans: Loans can be taken for the total amount of your outstanding debts.
  1. Interest Rates
  • Personal Loans: Starting from 3.25% per annum (on a reducing balance).
  • Car Loans: Rates start from 2.99% per annum (on a reducing balance).
  • Home Loans: Starting at 3.24% per annum (on a reducing balance).
  • Debt Consolidation Loans: Rates are competitive, typically starting at 3.25% per annum.

Repayment Terms and Options

Emirates NBD provides flexible repayment options for their loans, allowing customers to choose the tenure that best fits their budget and repayment capacity.

  • Personal Loan: Repayment terms range from 12 to 48 months.
  • Car Loan: Repayment terms range from 12 to 60 months.
  • Home Loan: Up to 25 years repayment term.

Debt Consolidation Loan: Repayment terms of 12 to 48 months

Key Advantages of Emirates NBD Loans

  • Flexible Loan Amounts and Repayment Terms: Tailored to suit different financial needs and repayment capabilities.
  • Competitive Interest Rates: Attractive rates, especially for customers with a good credit history.
  • Fast Processing: Quick approval process and disbursement.
  • Access to Additional Services: Some loans come with benefits like travel insurance, free life insurance, and other perks.
  • Online & Mobile Application: Convenient loan application via online channels and mobile banking.

Emirates NBD Customer Care Contact Information

Emirates NBD provides various channels to contact their customer support team. You can reach them through phone, email, or visit any of their branches for in-person assistance.

  1. Phone Numbers

Emirates NBD offers dedicated customer service numbers for general inquiries, account support, and specific banking services.

  • General Inquiries and Support:
    • UAE Toll-Free Number: 800 100 180 (available 24/7)
    • International Phone Number: +971 4 316 0700 (for calls outside the UAE)
  • Credit Cards and Loans:
    • Credit Cards: 800 321 1111 (Toll-Free)
    • Loans & Mortgages: 800 100 180
  • Customer Support for Businesses:
    • Business Banking: 800 341 241
  • ATM and Debit Card Services:
    • Lost Card Reporting: 800 100 180
    • Debit Card Inquiries: 800 100 180
  1. Email Addresses

You can also reach Emirates NBD customer support by email. Email support is available for specific queries related to different banking services:

  • General Inquiries: info@emiratesnbd.com
  • Personal Banking: pbe@emiratesnbd.com
  • Credit Cards: creditcards@emiratesnbd.com
  • Loans and Mortgages: loans@emiratesnbd.com
  • Business Banking: business@emiratesnbd.com
  • Islamic Banking: islamicbanking@emiratesnbd.com

Note: For security reasons, it’s advised not to share sensitive personal details like account numbers or PINs via email.

  1. Social Media Channels

Emirates NBD is active on various social media platforms where you can reach out for customer support

  1. Emirates NBD Mobile App

If you’re an Emirates NBD customer, you can also reach support through the Emirates NBD Mobile Banking App, which offers features such as live chat support, inquiry forms, and the ability to raise service requests. This is one of the easiest and most convenient ways to get help directly from the bank.

For any questions or support, please don’t hesitate to contact us at Contact Us. We’d love to hear from you!