| Webshopper Credit Card Benefits: | Additional Benefits: | Exclusive Discounts and Deals: |
|---|---|---|
| 1. Exclusively for Online Shopping: Tailored specifically for online purchases, ensuring maximum security and peace of mind for online transactions. | Additionally, cardholders can benefit from exclusive discounts and deals at over 2,000 UAE merchants when using ENBD Debit Cards and Credit Cards through the More app. | |
| 2. Earn Plus Points: Accumulate Plus Points for every AED 200 spent on online purchases. | ||
| 3. Secure Online Transactions: Designed for secure online transactions with printed card numbers, enhancing security. Cannot be used for physical transactions at merchants or ATMs. | ||
| 4. Credit Shield Pro: Benefit from enhanced life security features such as monthly fee coverage, decease cover, hospitalization pay-out, and job loss cover. | ||
| 5. Easy Installment Plans: Enjoy the flexibility to pay back purchases in small amounts over 3, 6, 12, or 24 months with 0% interest. | ||
| 6. 24-hour Assistance: Access round-the-clock support for any issues or queries related to the credit card. | ||
| 7. DoubleSecure Protection: Partnered with Visa and MasterCard for additional security measures, ensuring confident and safe online shopping experiences. | ||
| 8. Flexible Payment Options: Convenient payment options including standing instructions, online/mobile banking, or cash/cheque payments. | ||
| 9. Interest-Free Days: Pay your outstanding balance in full by the due date every month and enjoy up to 55 interest-free days. | ||
| 10. Online Access: Monitor card balances, make transactions, and payments from anywhere with award-winning online banking and mobile banking platforms. | ||
| 11. Free 24/7 Roadside Assistance: Avail free roadside assistance for recovery, towing, fuel delivery, and battery boost, providing peace of mind while on the road. | ||
| 12. SMS Alerts: Receive SMS alerts for every transaction made on the card to identify any unauthorized use promptly. |
| Webshopper Credit Card | |
| Joining Fees | |
| Annual Fees | 52.5 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
| Key Features |
|---|
| Job Loss Cover |
| Exclusive Offer: No Annual Fees |
| Earn RED Points |
|---|
| Earn RED Points on all spends |
| 2x points on all international spends |
| 5x points on all dining spends |
| 10x points on sports goods stores |
| Special Offers |
|---|
| Activate and Spend Offer |
| Spend AED 2,000 within 30 days to receive a Manchester United Home Jersey |
| Spend AED 6,000 in 3 months for a Manchester United RED Box |
| Monthly, Quarterly, and Yearly Rewards |
| Red Deals |
|---|
| Exclusive Restaurant Discounts |
| Discounts on visits to The Theatre of Dreams |
| Discounts on restaurants and experiences |
| Contactless Payments |
|---|
| Secure, cashless payments using compatible phone or wearable |
| Airport Lounge Access |
|---|
| Complimentary lounge access to over 10 regional airports |
| Credit Shield Pro |
|---|
| Enhanced life security benefits |
| Coverage for hospitalization and job loss |
| Easy Installment Plans |
|---|
| Pay back in 3, 6, 12, or 24 months with 0% interest |
| More Advantages |
|---|
| Security & insurance benefits |
| Flexible payment options |
| Interest-free days |
| Online access |
| SMS alerts |
| Exclusive Mastercard discounts and offers |
| Manchester United Credit Card | |
| Joining Fees | |
| Annual Fees | 262.5 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
The Go4it Gold Credit Card by Emirates NBD offers a range of benefits tailored to provide convenience and rewards for cardholders.
| Benefit | Description |
|---|---|
| Earn Plus Points | Accumulate Plus Points with every spending, with higher points awarded for weekend and RTA transactions. Plus Points can be redeemed for various rewards including frequent flyer miles or cashback. |
| Free Rides on Dubai Ferry | Enjoy complimentary rides on the Dubai Ferry, allowing cardholders to experience the iconic landmarks and scenic views of Dubai. |
| Free Life Insurance | Cardholders receive free life insurance coverage, offering financial protection for themselves and their loved ones. |
| RTA Integration | The card can be used as an RTA Nol Card for seamless transit payments on the Dubai Metro, RTA parking meters, buses, and water bus stations. Cardholders are also eligible for an RTA monthly pass. |
| Contactless Payments | Make secure and convenient cashless payments using compatible phones or wearables, enhancing transaction speed and security. |
| Credit Shield Pro | Enhanced insurance coverage including decease, hospitalization, and job loss benefits provide additional security and peace of mind for cardholders. |
| Easy Installment Plans | Enjoy the flexibility to pay back purchases in small amounts over time, with 0% interest installment plans available for electronics, jewelry, home décor, travel, and entertainment tickets. |
| Auto Salik Top-Up | Activate the Salik auto top-up feature for hassle-free account management, ensuring uninterrupted access to toll roads in Dubai. |
| Utility Bill Payments | Conveniently settle utility bills online, including payments for Etisalat, DEWA, and Empost, saving time and effort. |
| Avis Car Rental Discounts | Enjoy exclusive discounts on car rentals globally with Avis, providing cost-effective transportation options during travels. |
| Medical & Travel Assistance | Comprehensive assistance services including medical advice, monitoring, and emergency support ensure cardholders are protected during their travels. |
| SMS Alerts | Receive real-time SMS alerts for every transaction made on the card, enabling prompt identification of unauthorized use. |
| 24-Hour Assistance | Access round-the-clock support for quick resolution of issues or queries, ensuring cardholders are always assisted when needed. |
| Online Access | Monitor card balances, make transactions, and payments conveniently from anywhere using the award-winning Online Banking and Mobile Banking platforms. |
| DoubleSecure Protection | Additional security for transactions with Emirates NBD DoubleSecure, providing a one-time authentication code for added peace of mind. |
| Visa Luxury Hotel Collection | Access exclusive benefits and privileges at prestigious hotels worldwide, enhancing the travel experience with VIP treatment. |
| Extended Warranty | Enjoy extended warranty coverage for purchases made with the Visa Infinite card, providing additional protection beyond the manufacturer’s warranty period. |
| Purchase Protection | Cardholders benefit from purchase protection against theft or accidental damages, ensuring eligible purchases are repaired, replaced, or refunded. |
| Buy 1 Get 1 Free with The Entertainer | Access exclusive buy 1 get 1 offers across the Middle East with Visa and The Entertainer, providing savings on various attractions and merchants. |
| Go4it Gold Credit Card | |
| Joining Fees | |
| Annual Fees | 103.95 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
The Go4it Platinum Credit Card offered by Emirates NBD provides a host of benefits tailored to enhance your convenience and lifestyle. Here’s an overview of its key features:
| Benefit | Description |
| Annual Fees | No Annual Fees (Exclusive current offer) |
| Complimentary Life Insurance | Enjoy complimentary life insurance coverage, providing financial protection for you and your loved ones. |
| Earn Plus Points on Spends | – Earn 5 points for every AED 200 spent on weekends | Earn 4 points for every AED 200 spent on RTA transactions | Earn 1 point for every AED 200 spent on weekdays | Instant Plus points redemptions at key merchant outlets | Convert Points to Frequent Flyer Miles or cash back |
| Access Gold Class on Dubai Metro | Enjoy access to Gold Class on the Dubai Metro for a premium commuting experience. |
| Use as RTA Nol Card and Credit Card | Use the card as an RTA Nol Card for seamless transit payments and as a credit card for other transactions. |
| Access to Gold Class and fare payment of Gold Class from Nol Tag ID | Access Gold Class and fare payment of Gold Class from Nol Tag ID, ensuring convenient and hassle-free travel. |
| Fare payments at RTA Parking Meters, RTA Bus and Water Bus | Easily pay for RTA services including parking meters, buses, and water buses using your credit card. |
| Eligibility for RTA Monthly Pass/Product | Become eligible for an RTA monthly pass or product, enhancing your transit experience in Dubai. |
| Free rides on Dubai Ferry | Enjoy complimentary rides on the Dubai Ferry, providing a unique way to experience the city’s landmarks and scenic views. |
| Contactless Payments | Make secure and convenient cashless payments using compatible devices, enhancing transaction speed and security. |
| Buy one ticket and get one free at Reel Cinemas | Enjoy a special offer of buy one ticket and get one free at Reel Cinemas, adding value to your entertainment experiences. |
| 20% off on Entertainment at Emaar Entertainment Group | Receive a 20% discount on entertainment activities at Emaar Entertainment Group, saving on leisure expenses. |
| Easy Installment Plans with 0% Interest | Enjoy the flexibility to pay back purchases in installments with 0% interest, making large purchases more manageable. |
| Credit Shield Pro | – Monthly fee coverage of outstanding balance | Decease cover per cardholder | Hospitalization pay-out per day | Job loss cover for up to 12 months or until re-employment |
| Additional Benefits | – Emirates NBD Utility Bills and Auto Salik Top-up | Visa Airport Dining Discount | Avis Car Rental | Medical & Travel Assistance | Global Customer Assistance Service | Buy 1 get 1 free with The Entertainer | Bicester Village Shopping Collection | Interest-free days | Flexible Payment Options | Instant Cash Withdrawal | SMS Alerts | 24-hour Assistance | Online Access | DoubleSecure Protection | Multi-trip Travel Insurance | Purchase Protection | Extended Warranty | Fraudulent Card Misuse Protection | Visa Luxury Hotel Collection |
| Go4it Platinum Credit Card | |
| Joining Fees | |
| Annual Fees | 208.95 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
| Benefit | Description |
|---|---|
| Earn Plus Points | Accumulate Plus Points on various categories including grocery, electronics, utilities, education, and fuel. Earn 5% rewards on these categories and 0.5% rewards on other spends. |
| Complimentary Golf Access | Enjoy complimentary access to top golf courses across the UAE, providing you with the opportunity to indulge in your favorite sport without additional fees. |
| Buy 1 Get 1 Movie Tickets | Take advantage of the buy 1 get 1 offer on movie tickets at Royal Cinemas, allowing you to enjoy your favorite films with a friend or family member. |
| Unlimited Airport Lounge Access | Gain access to premium lounges worldwide with both your Diners Club and Mastercard cards, offering comfort and convenience during your travels. |
| Concierge Services | Benefit from concierge services to assist you with various tasks and errands, saving you time and effort. |
| Valet Parking | Enjoy 4 complimentary valet parking services per month for one hour each at selected locations in Abu Dhabi, providing added convenience when you’re out and about. |
| Purchase Protection | Shop with confidence knowing that your purchases are covered against theft or accidental damages with Mastercard’s Purchase Protection program. |
| DoubleSecure Protection | Ensure secure transactions with Emirates NBD DoubleSecure, offering additional security measures for online payments. |
| Flexible Payment Options | Manage your credit card dues conveniently with various payment options including standing instructions, online/mobile banking platforms, and cash or cheque payments. |
| Online Access | Access your card account from anywhere across the world through Emirates NBD’s award-winning Online Banking and Mobile Banking platforms, allowing you to monitor balances and make transactions with ease. |
| Exclusive Deals with More App | Download the More app to access exclusive discounts at over 2,000 UAE merchants when using your Emirates NBD Debit Cards and Credit Cards. |
| Additional Benefits | Enjoy additional benefits such as Emirates NBD Utility Bills and Auto Salik Top-up, Visa Airport Dining Discount, Avis Car Rental, Medical & Travel Assistance, Global Customer Assistance Service, Buy 1 get 1 free with The Entertainer, Bicester Village Shopping Collection, Interest-free days, Flexible Payment Options, Instant Cash Withdrawal, SMS Alerts, 24-hour Assistance, DoubleSecure Protection, Multi-trip Travel Insurance, Purchase Protection, Extended Warranty, Fraudulent Card Misuse Protection, Visa Luxury Hotel Collection. |
| Duo Credit Card | |
| Joining Fees | |
| Annual Fees | 840 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
“The Emirates NBD Diners Club Credit Card offers a range of benefits tailored to enhance your travel and lifestyle experiences:
| Benefits | Description |
| Earn Plus Points on Spends | Earn Plus Points on various categories of spending, including 5% on Duty Free, 2.5% on dining, and 0.5% on all other spends, with the flexibility of instant points redemption. |
| Complimentary Airport Lounge Access | Enjoy unlimited access to over 1,000 premium lounges worldwide, providing comfort and relaxation during your travels. |
| Dining Discounts | Receive up to 30% discount at over 2,000 restaurants across the UAE, allowing you to indulge in culinary experiences while saving money. |
| Global Privileges | Benefit from exclusive savings on travel, dining, entertainment, and more worldwide, making your journeys memorable and rewarding. |
| Free Insurance Cover | Enjoy complimentary travel insurance for trips less than 180 days, providing you with peace of mind during your travels. |
| Interest-Free Days | Pay your outstanding balance in full by the due date every month and enjoy up to 55 interest-free days, helping you manage your finances effectively. |
| Flexible Payment Options | Choose from various flexible payment options to manage your credit card dues, including online banking, standing instructions, and more. |
| Instant Cash Withdrawal | Access instant cash from over 180,000 ATMs worldwide, providing you with financial flexibility wherever you go. |
| SMS Alerts | Stay informed about your card activity with SMS alerts for every transaction, enabling you to promptly identify any unauthorized use. |
| Utility Bill Payments | Conveniently pay your utility bills online, including services like Etisalat, DEWA, and Empost, saving you time and hassle. |
| Online Access | Access your card account from anywhere across the world, allowing you to monitor balances, make transactions, and payments conveniently. |
| Free 24/7 Roadside Assistance | Benefit from free 24/7 roadside assistance, including recovery, towing, fuel delivery, and battery boost, ensuring peace of mind while on the road. |
| Auto Salik Top-Up | Simplify your Salik account management with the auto top-up feature, ensuring seamless travel experiences on the roads of Dubai. |
| DoubleSecure Protection | Enjoy additional security on your transactions with Emirates NBD DoubleSecure, providing you with confidence and peace of mind while shopping. |
| More App | Download the More app to access exclusive discounts at over 2,000 UAE merchants when using your Emirates NBD Debit Cards and Credit Cards, ensuring you never miss a deal. |
| Diners Club Credit Card | |
| Joining Fees | |
| Annual Fees | 420 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
“The Mastercard Titanium Credit Card offers a range of benefits tailored to your lifestyle:
1. **Rewards:** Earn up to 1 Plus Point for every AED 100 spent, with varying points for different spending categories.
2. **Complimentary Lounge Access:** Enjoy complimentary access to over 10 VIP lounges in various regional airports, providing a comfortable and relaxing experience while you wait for your flights.
3. **Buy 1 Get 1 Free Offers:** Take advantage of exclusive buy 1 get 1 free offers across hundreds of brands and outlets throughout the Middle East & Africa region.
4. **Job Loss Cover:** Gain peace of mind with job loss cover for up to 12 months, offering financial protection during uncertain times.
5. **Credit Shield Pro:** Secure your life with enhanced insurance benefits, including coverage for decease, hospitalization, and job loss, providing financial support when you need it most.
6. **Contactless Payments:** Make secure, cashless payments using your compatible phone or wearable, ensuring convenience and safety in your transactions.
7. **Utility Bill Payments:** Conveniently pay your utility bills online, including services like Etisalat, DEWA, and Empost, saving you time and hassle.
8. **Exclusive Discounts:** Access a wide range of exclusive offers and deals on travel, lifestyle, shopping, and more through Mastercard discounts and experiences.
9. **Avis Car Rental Benefits:** Enjoy exclusive benefits with Avis car rentals, including discounts on rentals, complimentary upgrades, and premium chauffeur drive services.
10. **Lingokids Discount:** Join the learning adventure with your kids and receive special discounts on Lingokids subscriptions with your eligible Mastercard.
11. **DoubleSecure Protection:** Benefit from additional security on your transactions through Emirates NBD DoubleSecure, ensuring you shop with confidence.
12. **24-hour Assistance:** Receive round-the-clock support whenever you need it, ensuring assistance is available whenever you require it.
13. **Flexible Payment Options:** Choose from various flexible payment options to manage your credit card dues, including online banking, standing instructions, and more.
14. **Interest-Free Days:** Pay your outstanding balance in full by the due date every month and enjoy up to 55 interest-free days, helping you manage your finances effectively.
15. **SMS Alerts:** Stay informed about your card activity with SMS alerts for every transaction, enabling you to promptly identify any unauthorized use.
16. **Discounted Rides with Careem:** Get discounted rides with Careem, offering 20% off on 3 rides every month when you use the promo code MASTERCARD.
17. **More App:** Download the More app to access exclusive discounts at over 2,000 UAE merchants when using your ENBD Debit Cards and Credit Cards, ensuring you never miss a deal.”
1. **Reward Points:**
– Earn up to 3.5% back as LuLu Points on daily spends.
– Enjoy 3.5% points on LuLu in-store and online spends, 2% on fuel spends, 1% on utility bill payments, and 0.35% on other spends.
2. **Welcome Offer:**
– Avail 0% interest on balance transfers with no processing fees as a welcome offer.
3. **Exclusive Privileges:**
– Access exclusive privileges and offers at LuLu stores.
– Enjoy priority checkout, early access to sales and promotions, free shipping on LuLu online, and other discounts as a card member.
– Complimentary lounge access to over 10 regional airports for added convenience.
4. **Financial Flexibility:**
– Benefit from a competitive interest rate of 3.25% per month, with a minimum payment requirement of 5% of the outstanding balance or AED 100, whichever is higher.
– Take advantage of easy installment plans for convenient repayment of purchases.
5. **Additional Services:**
– Make secure, contactless payments using your compatible phone or wearable device.
– Access instant cash withdrawal from over 180,000 ATMs worldwide.
– Enjoy up to 55 interest-free days by paying the outstanding balance in full by the due date every month.
– Stay informed about your card transactions with SMS alerts for every transaction made on your card.
6. **Special Offers:**
– Get discounts on Lingokids subscriptions for your kids’ learning adventure.
– Enjoy discounts on Uber rides within the UAE when booking with your Mastercard.
7. **Convenience and Security:**
– Access your card account online from anywhere in the world using award-winning Online Banking and Mobile Banking platforms.
– Conveniently pay your utility bills, including Etisalat, DEWA, and Empost bills, online from the comfort of your home.
– Benefit from 24-hour assistance for any queries related to your card, 365 days a year.
8. **Exclusive Deals with the More App:**
– Download the More app to enjoy exclusive discounts at over 2,000 UAE merchants when using ENBD Debit Cards and Credit Cards.
These features make the Lulu 24/7 Titanium Credit Card a valuable choice, offering a blend of rewards, privileges, and financial convenience tailored to your lifestyle and shopping preferences.
| Lulu 24/7 Titanium Credit Card | |
| Joining Fees | |
| Annual Fees | Free |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
1. **Distinctively Rewarding Features:**
– Earn Upoints on your spends, with 1% for all transactions.
– Get 5X extra points on spends within Emaar properties.
– Receive 25% base Upoints for spends in grocery and supermarkets.
– Earn 10% base Upoints for spends in fuel, government services, and telecommunication payments.
– Enjoy 5% Upoints back on spends in Emaar malls, dining, and stays at Emaar Hospitality Group hotels and restaurants.
2. **Exclusive Entertainment Benefits:**
– Avail buy 1 get 1 free on movie tickets at Reel Cinemas, enhancing your cinema experience.
– Enjoy up to 30% discount on entertainment at Emaar Entertainment Group venues, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.
3. **Additional Privileges:**
– Benefit from a competitive interest rate of 3.25% per month, with a minimum payment requirement of 5% of the outstanding balance or AED 100, whichever is higher.
4. **Promotional Offers:**
– Earn 5% back as Upoints on all your shopping and dining spends, with the flexibility to redeem them instantly at over 1500+ stores across your favorite brands.
– Get 5% back as Upoints when you stay at Emaar Hotels, including Address, Rove, and Vida properties, along with a 10% discount on spas at Emaar Hospitality Group.
5. **Convenience and Security:**
– Make secure, contactless payments using your compatible phone or wearable device.
– Benefit from the DoubleSecure protection feature, ensuring additional security for all your transactions.
– Enjoy flexible payment options, including standing instructions, online/mobile banking platforms, and cash or cheque payments.
– Access instant cash withdrawal from over 180,000 ATMs worldwide, providing financial flexibility when needed.
– Receive up to 55 interest-free days by paying your outstanding balance in full by the due date every month.
6. **Additional Services:**
– Access your card account online from anywhere in the world using award-winning Online Banking and Mobile Banking platforms.
– Stay informed about your card transactions with SMS alerts for every transaction made on your card.
– Conveniently pay your utility bills, including Etisalat, DEWA, and Empost bills, online from the comfort of your home.
– Benefit from 24-hour assistance by calling +971 600 54 0000 for any queries related to your card, 365 days a year.
7. **Exclusive Deals with the More App:**
– Download the More app to enjoy exclusive discounts at over 2,000 UAE merchants when using ENBD Debit Cards and Credit Cards, ensuring you never miss out on great deals.
These features make the U By Emaar Family Credit Card a rewarding choice, offering a blend of entertainment perks, lifestyle benefits, and financial flexibility tailored to your family’s needs.
| U By Emaar Family Credit Card | |
| Joining Fees | |
| Annual Fees | Free For Life |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
1. **Welcome Bonus and Rewarding Points System:**
– Receive 2500 Upoints as a welcome bonus upon card activation.
– Earn up to 6.25% back on your spends, with 1.25% back as Upoints on all purchases and 5X points for all Emaar spends.
2. **Complimentary Airport Lounge Access:**
– Enjoy complimentary access to over 850 premium airport lounges globally, enhancing your travel experience.
3. **Distinctive Rewards Program:**
– Earn 1.25% back as Upoints on all spends and 5X points for all Emaar spends, providing enriching experiences every day.
– Get 6.25% back on spends at Emaar properties, including Dubai Mall, Marina Mall, and Emaar Communities.
4. **Key Benefits and Highlights:**
– Redeem Upoints instantly at over 2500+ stores across your favorite brands.
– Receive U By Emaar Gold Status, unlocking exclusive privileges such as 15% off on F&B and Spas at Emaar Hospitality Group Hotels.
– Enjoy complimentary room upgrades on hotel stays and up to 30% discount on entertainment at Emaar Entertainment Group.
– Benefit from Buy 1 Get 1 free on movie tickets at Reel Cinemas and complimentary soft drinks and popcorn with a minimum average monthly spend of AED 3,000.
5. **Promotional Offers:**
– Avail 6.25% back on all your shopping & dining spends at Dubai Mall, Dubai Marina, and Dubai Hills.
– Enjoy 6.25% back when you stay at Emaar Hotels, including Address, Rove, and Vida properties.
– Get up to 15% off on F&B at the Emaar Hospitality Group, along with a complimentary room upgrade on hotel stays.
6. **Contactless Payments and Easy Installment Plans:**
– Make secure, cashless payments using your compatible phone or wearable device.
– Benefit from easy installment plans with 0% interest on purchases made at participating merchants.
7. **Complimentary Lounge Access Worldwide via LoungeKey:**
– Indulge in over 1,000 comfortable premium lounges in more than 300 cities worldwide.
– Supplementary cardholders can also enjoy unlimited complimentary visits.
8. **Credit Shield Pro and Additional Insurance Benefits:**
– Secure your life with enhanced benefits, including decease cover, hospitalization payouts, and job loss cover.
– Enjoy additional insurance coverage for various eventualities, such as accidental death, permanent disability, critical illness, and natural death.
9. **Exclusive Discounts and Offers:**
– Access exclusive discounts on airport dining, Avis car rentals, and accommodations through partner platforms like Agoda.
– Enjoy additional benefits like medical and travel assistance, global customer assistance services, and digital concierge services.
10. **Convenience and Security Features:**
– Benefit from flexible payment options, interest-free days, SMS alerts for transaction monitoring, and instant cash withdrawal from ATMs worldwide.
– Access your card account online anytime and anywhere for seamless management of balances, transactions, and payments.
11. **Free 24/7 Roadside Assistance:**
– Enjoy free roadside assistance, including recovery, towing, fuel delivery, and battery boost, ensuring peace of mind during travels.
12. **Exclusive Deals with the More App:**
– Download the More app to unlock exclusive discounts at over 2,000 UAE merchants when using ENBD Debit Cards and Credit Cards.
These benefits make the U By Emaar Signature Credit Card a distinctive choice, offering a blend of luxury, rewards, and convenience tailored to your lifestyle.
| U By Emaar Signature Credit Card | |
| Joining Fees | AED 525 |
| Annual Fees | 262.5 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.25% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.25% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
1. **Rewarding Plus Points Program:**
– Earn up to 1.5 Plus Points for every AED 100 spent on your card.
– Enjoy the flexibility to redeem points for a variety of rewards tailored to your preferences.
– Benefit from bonus points on specific categories like supermarkets, groceries, insurance, and fuel, maximizing your rewards potential.
2. **Delightful Dining Experiences with Bon Appétit:**
– Enjoy up to 30% discount at over 2,000 restaurants across the UAE.
– Indulge in a diverse range of culinary offerings, from fine dining establishments to casual eateries.
– Enhance your dining experiences while saving money with this fantastic benefit.
3. **Financial Well-being and Peace of Mind:**
– Avail the exclusive current offer of No Annual Fees, making it cost-effective to own and use the card.
– Enjoy free insurance for significant purchases, providing added security and peace of mind.
– Manage your finances effectively with a competitive interest rate and flexible payment options.
4. **Additional Visa Benefits:**
– Access exclusive Buy 1 Get 1 free offers with The Entertainer across the Middle East, saving on excursions and attractions.
– Make secure, cashless payments using your compatible phone or wearable device with contactless payments.
– Protect your financial well-being with Credit Shield Pro, offering enhanced insurance benefits, including decease cover, hospitalization payouts, and job loss cover.
5. **Travel and Lifestyle Perks:**
– Access exclusive discounts on airport dining globally with DragonPass, covering over 200+ airport restaurants.
– Enjoy up to 35% discount on standard rates and up to 30% discount on international leisure rates at Avis car rentals worldwide.
– Benefit from up to 60% off the recommended retail price on luxury brand outlet villages with Bicester Village Shopping Collection.
6. **Global Assistance Services:**
– Receive medical and travel assistance services, including telephone medical advice, medical service provider referral, and legal referral.
– Access Visa’s global customer assistance services for personal support and emergency card-related services while traveling.
7. **Convenience and Security Features:**
– Enjoy hassle-free utility bill payments and instant cash withdrawals from over 180,000 ATMs worldwide.
– Benefit from interest-free days, flexible payment options, and SMS alerts for transaction monitoring.
– Protect your purchases against theft or accidental damages with Visa’s Purchase Protection program.
8. **Extended Warranty and DoubleSecure Protection:**
– Double the repair period of your purchases with Visa’s extended warranty, offering extra protection.
– Ensure secure transactions with Emirates NBD DoubleSecure, providing additional security through one-time authentication codes.
9. **Exclusive Deals with the More App:**
– Download the More app to unlock exclusive discounts at over 2,000 UAE merchants when using ENBD Debit Cards and Credit Cards.
– Enjoy significant savings and rewards on your purchases, enhancing your shopping experiences and lifestyle.
| Visa Platinum Credit Card | |
| Joining Fees | |
| Annual Fees | Free |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
1. **Rewarding Plus Points Program:**
– Earn up to 1.5 Plus Points for every AED 100 spent on your card.
– Accumulate points quickly to redeem for a variety of rewards, including travel, merchandise, gift cards, and more.
– Plus Points earning cap per statement ensures you maximize your rewards potential.
2. **Luxurious Airport Lounge Access:**
– Enjoy unlimited complimentary access to over 25 regional and international lounges.
– Relax in comfort before your flight with complimentary refreshments, snacks, and business facilities.
– Escape the crowds and chaos of busy airports while waiting for your flight.
3. **Delightful Dining Experiences with Bon Appétit:**
– Indulge in culinary delights with up to 30% off at over 2,000 restaurants across the UAE.
– Experience a wide range of cuisines, from fine dining to casual eateries, at exclusive discounted rates.
– Enhance your dining experiences while saving money with this fantastic benefit.
4. **Financial Well-being and Peace of Mind:**
– Benefit from exclusive current offers, including no annual fees, making it cost-effective to own and use the card.
– Enjoy job loss cover of up to AED 60,000 for up to 12 months, providing financial security during unforeseen circumstances.
– With a competitive interest rate and flexible payment options, manage your finances with ease and confidence.
5. **Additional Mastercard Benefits:**
– Access exclusive discounts on travel bookings with Cleartrip, making your vacations more affordable and enjoyable.
– Protect your financial well-being with Credit Shield Pro, offering enhanced insurance benefits, including decease cover, hospitalization payouts, and job loss cover.
– Unlock savings and perks with discounts on Lingokids subscriptions, MyUS premium shipping, Avis car rentals, Bicester Village shopping offers, Farfetch fashion marketplace, and more.
6. **Convenience and Security Features:**
– Enjoy the convenience of contactless payments, auto Salik top-up for seamless driving, and utility bill payments from anywhere.
– Benefit from interest-free days, flexible payment options, instant cash withdrawal, and SMS alerts for transaction monitoring, ensuring you stay in control of your finances.
– Access 24-hour assistance and online account management for added convenience, along with DoubleSecure protection for secure transactions.
7. **Exclusive Deals with the More App:**
– Download the More app to unlock exclusive discounts at over 2,000 UAE merchants when using ENBD Debit Cards and Credit Cards.
– Enjoy significant savings and rewards on your purchases, enhancing your shopping experiences and lifestyle.
| Mastercard Platinum Credit Card | |
| Joining Fees | |
| Annual Fees | Free |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
1. **Visa Flexi Credit Card Benefits:**
– Plus Points:
– 1.5% rewards on all retail spends
– VOX Cinemas:
– Exclusive discounts on 4DX & Theatre by Rhodes
– Bon Appétit:
– Up to 30% discount at over 2,000 restaurants across UAE
2. **Visa Flexi Credit Card At a Glance:**
– **Benefits:**
– Minimum salary: AED 12,000
– Free insurance for big-ticket purchases
– Exclusive current offer: No Annual Fees
– **Key Benefits and Highlights:**
– Plus Points:
– 1.5 Points for every AED 100 spend
– Interest rate of 3.25% per month
– Interest-free period up to 55 days on retail purchases
– Customizable benefits:
– Choose from a range of boutique and premium benefits
– Options include airport lounge access, Anghami membership, luggage delivery, airport spa & dining offers, movie discounts, concierge services, airport transfers, global WiFi, Bidroom membership, golf privileges, flight delay lounge access, VAT reclaim, Careem discounts, medical assistance, and more.
3. **Credit Shield Pro:**
– Monthly fee: 0.99% of the outstanding balance
– Decease cover: Up to AED 300,000 per cardholder
– Hospitalization payout: AED 100 per day
– Job loss cover: Up to AED 60,000 for up to 12 months
4. **Easy Installment Plans:**
– Shop and pay back in small amounts with 0% interest.
5. **More advantages exclusively for you:**
– Buy 1 get 1 free offers with The Entertainer app
– Exclusive discounts on excursions and attractions across the Middle East
– Access to over 5,000 discounts on key travel destinations
6. **Additional Features:**
– Contactless Payments
– Utility bill payments
– 24-hour assistance
– DoubleSecure protection for transactions
– Flexible payment options
– Instant cash withdrawal from ATMs worldwide
– Online account access
– SMS alerts for transaction monitoring
– Extended warranty on purchases
– Purchase Protection against theft or accidental damages
– Medical & travel assistance for peace of mind
– Auto Salik top-up for hassle-free driving
7. **Emirates NBD More Deals:**
– Download the More app for discounts at over 2,000 UAE merchants with Emirates NBD Debit Cards and Credit Cards.
| Joining Fees | |
| Annual Fees | 735 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.25% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.25% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
AIR1. **Lulu 247 Platinum Credit Card Benefits:**
– Up to 7% back on your spends
– Welcome offer:
– Enjoy movie benefits on your card!
2. **Lulu 247 Platinum Credit Card Shop as Usual. Get More than Usual:**
– Earn up to 7% back as LuLu Points on your daily spends with no minimum spend requirement
3. **Rewards:**
– Up to 7% back as LuLu Points on daily spends
– Welcome offer:
– Up to 500 welcome Bonus Points
– Enjoy movie benefits on your card!
– Buy 1 get 1 free on movies
4. **Lulu 247 Platinum Credit Card At a Glance:**
– **Benefits:**
– Minimum salary: AED 12,000
– Joining fees: AED 525
– Annual fees: AED 262.50
– **Key Benefits and Highlights:**
– Earn LuLu Points on spends:
– 7% on LuLu in-store and online spends
– 4% on fuel spends
– 2% on utility bill payments
– 0.7% on other spends
– Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees
– Easily redeem LuLu Points at over 70 LuLu stores
– Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online, and other discounts
– Complimentary airport lounge access via LoungeKey
– Buy 1 get 1 free on movies
– Unlimited complimentary lounge access to over 25 regional and international airports
– Concierge services to take care of your time-consuming errands
– Valet Parking at selected locations in Abu Dhabi
– Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher
5. **Benefits of Your Lulu 247 Platinum Card:**
– Welcome offer:
– Up to 500 LuLu Points
– 0% interest on balance transfer with no processing fee
– Member benefits:
– Special offers at LuLu
– Priority checkout at LuLu stores
– Early access to major sales and promotions
6. **Additional Features:**
1. Contactless Payments
2. Credit Shield Pro
3. Airport lounge access
4. Enjoy movie benefits on your card!
5. Easy installment plans
6. More advantages exclusively for you
7. **Mastercard Discounts Experiences & Offers:**
1. Valet parking
2. Concierge desk
3. Cleartrip travel discount
4. Discount on Uber rides
5. Bicester Village shopping offers
6. MyUS premium shipping
7. Purchase Protection
8. Lingokids discount
8. **Auto Salik Top-Up:**
– Drive easy with Salik auto top-up
9. **Utility Bills:**
– Pay all your utility bills within a few minutes
10. **Interest-free Days:**
– No interest, no worries
11. **Flexible Payment Options:**
– Make your monthly payments conveniently
12. **Instant Cash Withdrawal:**
– Instant cash from over 180,000 ATMs worldwide
13. **24-Hour Assistance:**
– Help when you need it
14. **Online Access:**
– Access your card account from anywhere across the world
15. **SMS Alerts:**
– Stay informed at all times
| Lulu 247 Platinum Credit Card | |
| Joining Fees | AED 525 |
| Annual Fees | 262.5 |
| Retail Purchase (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance (APR-Annualised Percentage Rate) |
3.49% |
| Cash Advance Fee | 3.15% or AED 103.95 or whichever is higher |
| Late Payment Fee | AED 241.50 per month |
| Over Limit Fee | AED 292.95 per month |
| Foreign currency transaction fee | 1.99% |
| Fee relating to settling Foreign currency transaction in UAE dirhams |
1.99% |
| Return Payment Fee | 105 |
| Credit Shield Pro Insurance | 1.04% per month of the Credit Card Outstanding |
| 0% Installment Plan | AED 51.45 per transaction |
| Installment Payment Plan/Balance Conversion/Loan on Card/ Balance Transfer/ALOC |
0.29% – 1.99% flat monthly interest rate (0.53% – 3.46% reducing monthly interest rate) |
| Installment Cancellation / Pre-closure Fee |
1.05% of Principal Outstanding |
