Emirates NBD credit cards
Emirates NBD Bank P.J.S.C is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: interest on purchases and cash 3.69% a month (44.28% a year) on most cards; 3.25% (39%) on Infinite tier cards and for UAE nationals.
Emirates NBD Bank P.J.S.C is on the Central Bank of the UAE’s register as a national bank licensed for conventional retail banking in Dubai.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a Emirates NBD credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Interest on purchases and cash | 3.69% a month (44.28% a year) on most cards; 3.25% (39%) on Infinite, World Elite and some other premium cards, and on every card for UAE nationals |
| Annual fee | Free to AED 8,000 a year depending on the card |
| Minimum payment | 5% of the total payment due or AED 100, whichever is higher, plus instalments, insurance, overdue and over-limit amounts |
| Late payment fee | AED 241.50 a month |
| Over-limit fee | AED 292.95 a month |
| Cash advance fee | 3.15% or AED 103.95, whichever is higher; cash limit 50% of the credit limit |
| Foreign currency fee | 1.99%, plus a network fee of about 1.15%; 1.99% on AED payments abroad |
| Instalment plans and balance transfers | 0.29% to 1.99% flat a month (0.53% to 3.46% reducing); AED 51.45 per 0% instalment plan; 1.05% to close early |
| Card replacement | AED 21 (AED 52.50 on Go4it cards) |
| Liability or no liability letter | AED 52.50 |
The figures come from Key Facts Statement, Credit Cards (Effective 1 March 2026) and Credit Card Services and Price Guide (February 2026).23
Emirates NBD adds 0.5% a month to its rate if your account is past due at least twice in six months.3 Its key facts statement shows that an AED 2,000 balance at 44.28% a year, paid off with minimum payments, takes 36 months and about AED 1,500 in interest.2
What salary do you need for a Emirates NBD card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.4 Emirates NBD publishes these minimums:5
| Card | Minimum monthly salary |
|---|---|
| Mastercard Platinum Credit Card | AED 12,000 |
How do you complain to Emirates NBD?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules Emirates NBD must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.6 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
6
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2Emirates NBD, Key Facts Statement, Credit Cards, Effective 1 March 2026. Last checked 12 Nov 2026. Source document: Key Facts Statement, Credit Cards
3Emirates NBD, Credit Card Services and Price Guide, February 2026. Last checked 12 Nov 2026. Source document: Credit Card Services and Price Guide
4Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
5Emirates NBD, Mastercard Platinum Credit Card. Last checked 12 Nov 2026. Source document: Mastercard Platinum Credit Card
6Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published