Emirates NBD is one of the leading banking institutions in the UAE, offering a range of credit cards with various benefits. If you’re a cardholder and planning to use your Emirates NBD credit card in Pakistan, there are several factors to consider, such as international transaction fees, ATM withdrawals, merchant acceptability, and more. In this comprehensive guide, we will explore every aspect of using an Emirates NBD credit card in Pakistan to ensure a seamless experience.
Understanding Emirates NBD Credit Cards and International Usage
What is an Emirates NBD Credit Card?
Emirates NBD offers a variety of credit cards catering to different customer needs. These cards come with benefits such as cashback, travel rewards, lifestyle privileges, and exclusive offers on dining and shopping.
Is Emirates NBD Credit Card Internationally Accepted?
Yes, Emirates NBD credit cards are internationally accepted as they operate on global payment networks like Visa, Mastercard, and American Express. These networks enable seamless transactions across multiple countries, including Pakistan.
Do Emirates NBD Credit Cards Work in Pakistan?
Yes, Emirates NBD credit cards work in Pakistan for online purchases, POS transactions, and ATM withdrawals. However, there are several conditions to consider, including transaction fees, currency exchange rates, and security measures.
Where Can You Use Emirates NBD Credit Card in Pakistan?
1. Online Transactions in Pakistan
You can use your Emirates NBD credit card for online shopping on Pakistani e-commerce platforms such as:
- Daraz.pk – Pakistan’s largest online marketplace
- Foodpanda – Food delivery services
- PakWheels – Car listings and purchases
- Travel and airline bookings – PIA, Airblue, Serene Air
Most online platforms accept Visa and Mastercard, making Emirates NBD credit cards a convenient payment option.
2. Retail and POS Payments
Many retail outlets and stores in Pakistan accept international credit cards, particularly those affiliated with Visa or Mastercard. These include:
- Shopping malls
- Grocery stores (Carrefour, Imtiaz Supermarket)
- Electronics retailers (Samsung, Huawei, Apple)
- Restaurants and hotels
3. ATM Withdrawals in Pakistan
Emirates NBD credit cardholders can withdraw cash from ATMs in Pakistan. Major banks such as HBL, UBL, MCB, and Standard Chartered support international card withdrawals. However, be mindful of withdrawal limits and foreign transaction fees.
Charges and Fees for Using Emirates NBD Credit Card in Pakistan
| Fee Type | Approximate Cost | Details |
|---|---|---|
| Foreign Transaction Fee | 2.5% – 3.5% | Charged on non-UAE transactions |
| ATM Withdrawal Fee | AED 20 – AED 25 | Fixed fee per withdrawal |
| Currency Conversion | Bank Exchange Rate | Based on daily forex rates |
| Late Payment Fee | AED 230 – AED 300 | Charged if minimum payment is missed |
These charges may vary depending on the type of credit card and Emirates NBD’s policies.
Currency Exchange and Conversion Fees
When using an Emirates NBD credit card in Pakistan, transactions are processed in Pakistani Rupees (PKR) but are converted to UAE Dirhams (AED). The bank applies its own exchange rate along with a currency conversion fee, which typically ranges from 2.5% to 3.5% of the total transaction amount.
For instance, if you spend PKR 10,000, you may be charged an additional PKR 250 – 350 as a conversion fee.
Understanding Credit Card Limits and Spending in Pakistan
1. Credit Card Spending Limits in Pakistan
Each Emirates NBD credit card comes with a pre-approved credit limit, which determines how much you can spend. Spending in Pakistan will be deducted from this limit in AED (United Arab Emirates Dirham) after currency conversion.
- Standard Cards: AED 5,000 – AED 50,000 limit
- Premium Cards (Platinum, Signature, Infinite): AED 50,000 – AED 500,000+
- Business & Corporate Cards: Customized limits
If you exceed your limit, Emirates NBD may decline transactions or charge an over-limit fee.
2. Daily ATM Withdrawal Limits
When withdrawing cash from Pakistani ATMs, limits may vary depending on:
- Your card type
- The bank operating the ATM
- Emirates NBD’s international withdrawal policies
Typical ATM withdrawal limits:
- Standard credit cards: AED 5,000 per day
- Platinum & Signature cards: AED 10,000 per day
- Corporate & business cards: Varies as per account agreement
Additionally, Pakistani banks may have their own withdrawal limits per transaction. For example, MCB and HBL ATMs typically allow PKR 25,000 to PKR 50,000 per transaction.
Emirates NBD Credit Card Benefits for Travelers in Pakistan
If you’re a UAE resident traveling to Pakistan, Emirates NBD credit cards offer benefits that can enhance your experience.
1. Travel Insurance Coverage
Some Emirates NBD credit cards include travel insurance, which covers:
- Medical emergencies
- Trip cancellations
- Flight delays
- Lost baggage
Check your credit card’s travel policy before traveling.
2. Airport Lounge Access in Pakistan
Certain premium Emirates NBD cards (Visa Infinite, Mastercard World Elite) offer complimentary access to airport lounges in Pakistan:
- Lahore Allama Iqbal International Airport (CIP Lounge)
- Islamabad International Airport (Serena Business Lounge)
- Karachi Jinnah International Airport (Lounge 77 & CIP Lounge)
3. Dining & Shopping Discounts in Pakistan
Some Emirates NBD credit cards provide exclusive discounts at restaurants and retail stores in Pakistan, especially for Visa Platinum, Signature, and Infinite cardholders.
4. Reward Points & Cashback
Cardholders can earn reward points on their spending, which can be redeemed for:
- Flight tickets (Emirates Skywards, Etihad Guest, Air Miles)
- Hotel stays (Booking.com, Agoda, Expedia)
- Cashback credits
Tip: Check the Emirates NBD rewards portal for ongoing offers.
Emergency Services for Emirates NBD Credit Cardholders in Pakistan
If you face issues using your Emirates NBD credit card in Pakistan, the bank provides 24/7 customer support and emergency assistance.
1. How to Contact Emirates NBD from Pakistan?
| Support Type | Contact Details |
|---|---|
| Customer Service (UAE) | +971 600 54 0000 |
| International Helpline | +971 4 316 0333 |
| Lost or Stolen Card Reporting | Emirates NBD Mobile App |
| WhatsApp Banking | Available via Emirates NBD App |
You can also report fraud or unauthorized transactions through their online banking portal.
2. Requesting a Temporary Credit Limit Increase
If you plan high-value purchases in Pakistan, you can request a temporary credit limit increase via:
- Emirates NBD mobile banking app
- Calling customer support
Approval depends on your credit history, current limit, and spending behavior.
3. Blocking & Replacing a Lost Card in Pakistan
In case of theft or loss, immediately report your lost card via the Emirates NBD app or call customer support. They will:
- Block your card to prevent unauthorized transactions
- Issue a replacement card (can be delivered to the UAE only)
For urgent needs, a temporary virtual card may be issued.
Comparing Emirates NBD Credit Cards for International Use
| Credit Card Type | Best For | Foreign Transaction Fee | Cashback & Rewards | Lounge Access | Annual Fee |
|---|---|---|---|---|---|
| Visa Platinum | Everyday spending | 2.75% | Rewards on shopping | Limited | AED 250 |
| Mastercard Titanium | Dining & travel | 2.99% | 5% cashback on dining | No | AED 350 |
| Visa Signature | Frequent travelers | 2.5% | Skywards Miles | Yes | AED 700 |
| Mastercard World Elite | High spenders | 2.5% | Premium rewards | Yes | AED 1,500 |
Precautions When Using Your Emirates NBD Credit Card in Pakistan
✅ Dos
✔ Always check exchange rates before making large purchases
✔ Use chip-enabled POS machines for added security
✔ Enable real-time transaction alerts for monitoring expenses
✔ Notify Emirates NBD before traveling to avoid transaction blocks
✔ Use secure internet connections for online transactions
❌ Don’ts
❌ Avoid using your card on untrusted websites
❌ Don’t withdraw small amounts frequently (to save on fees)
❌ Don’t ignore suspicious transactions—report them immediately
❌ Avoid using public WiFi when entering card details online
Security Measures When Using Emirates NBD Credit Card in Pakistan
1. Enabling International Transactions
Ensure your credit card is activated for international usage before traveling. You can enable or disable foreign transactions through:
- Emirates NBD Mobile App
- Online Banking Portal
- Customer Support
2. Fraud Protection and OTP Verification
To prevent unauthorized use, Emirates NBD uses OTP verification for online transactions. Make sure your registered phone number is active to receive verification codes.
3. Credit Card Blocking in Case of Theft
If your card is lost or stolen, immediately contact Emirates NBD’s customer service to block the card and prevent fraudulent transactions.
Tips for Using Emirates NBD Credit Card in Pakistan
- Check Merchant Acceptance – Not all stores accept foreign credit cards, so confirm before making a purchase.
- Avoid High ATM Fees – Withdraw larger amounts instead of multiple small withdrawals to save on fees.
- Enable SMS Alerts – Keep track of all transactions by enabling mobile notifications.
- Use Secure Websites – When shopping online, only use trusted e-commerce platforms.
- Monitor Exchange Rates – Be aware of forex fluctuations to minimize extra costs.
Main Information: Emirates NBD Credit Card Usage in Pakistan
| Feature | Details |
|---|---|
| Accepted in Pakistan? | Yes, for online payments, retail shopping, and ATM withdrawals |
| International Fees? | 2.5% – 3.5% per transaction |
| ATM Withdrawal Limit? | Depends on bank and card type |
| Currency Used? | PKR (converted to AED) |
| Security Measures? | OTP, fraud protection, SMS alerts |
| Best Usage Tips? | Avoid frequent withdrawals, check merchant acceptance, enable SMS alerts |
Conclusion
Using an Emirates NBD credit card in Pakistan is convenient, but it comes with certain charges, currency exchange fees, and security measures to consider. Whether you’re shopping online, paying at retail stores, or withdrawing cash from ATMs, understanding these factors can help you manage costs effectively. Always stay updated on foreign transaction fees and exchange rates to make the most of your credit card usage.
For more details, visit Emirates NBD’s official website or contact customer support for the latest policies on international transactions.
Frequently Asked Questions
1. Can I use my Emirates NBD credit card in Pakistan for online shopping?
Yes, you can use your Emirates NBD credit card on major Pakistani e-commerce sites that accept Visa and Mastercard.
2. What is the foreign transaction fee for Emirates NBD credit cards in Pakistan?
The fee typically ranges between 2.5% to 3.5% of the total transaction amount.
3. Can I withdraw cash from an ATM in Pakistan using my Emirates NBD credit card?
Yes, you can withdraw cash from internationally linked ATMs, but additional charges apply.
4. Do I need to activate my card before using it in Pakistan?
Yes, international transactions need to be enabled via Emirates NBD mobile app or customer support.
5. What should I do if my Emirates NBD credit card gets lost in Pakistan?
Immediately contact Emirates NBD’s helpline to block your card and prevent unauthorized use.
If you’re wondering whether you can use your Emirates NBD credit card in Pakistan, the answer is yes! Emirates NBD credit cards, powered by Visa, Mastercard, and American Express, are widely accepted for online shopping, retail purchases, and ATM withdrawals in Pakistan. However, keep in mind foreign transaction fees (2.5% – 3.5%), currency conversion charges, and ATM withdrawal limits. To avoid any issues, ensure international transactions are enabled via the Emirates NBD mobile app.
For those considering alternative credit card options in the UAE, ADCB credit cards offer competitive benefits, including cashback, travel rewards, and exclusive discounts. If you’re looking for a detailed guide on ADCB credit cards, check out this comprehensive resource:
👉 ADCB Credit Card – Best Comprehensive Guide
By comparing Emirates NBD and ADCB credit cards, you can choose the best financial tool for international transactions.
