Guide to Emirates NBD Supplementary Credit Card. Emirates NBD is one of the leading banks in the UAE, offering a wide range of financial products and services. Among their most popular offerings is the Emirates NBD Supplementary Credit Card, which provides additional benefits for cardholders, making it a great option for those who want to maximize the advantages of their credit card usage.
In this guide, we will explore everything you need to know about the Emirates NBD Supplementary Credit Card, from its features and eligibility requirements to how you can apply for one. By the end of this article, you’ll have a clear understanding of how this card can benefit you and your family.
What is an Emirates NBD Supplementary Credit Card?
A supplementary credit card is a credit card that is linked to the primary cardholder’s account but issued to an additional person, typically a family member. This means that both the primary cardholder and the supplementary cardholder can access the same credit limit, although the supplementary cardholder will have their own card for personal use. The Emirates NBD Supplementary Credit Card comes with several unique benefits that extend the advantages of the primary cardholder’s account to other family members, allowing them to enjoy similar rewards and privileges.
Key Features of Emirates NBD Supplementary Credit Card
- Multiple Cardholders: With the Emirates NBD Supplementary Credit Card, you can issue additional cards to family members, allowing them to enjoy the benefits of your credit card.
- Shared Credit Limit: The supplementary cardholder shares the credit limit with the primary cardholder. However, purchases made on the supplementary card will count towards the primary cardholder’s credit limit.
- No Additional Fees: The Emirates NBD Supplementary Credit Card can be issued to eligible family members at no extra cost, allowing you to share your credit card without any additional charges.
- Rewards Program: Like the primary cardholder, supplementary cardholders also earn rewards points on their purchases. These points can be redeemed for various rewards such as flight miles, shopping vouchers, or even cash back.
- Exclusive Offers and Discounts: Both the primary cardholder and the supplementary cardholder have access to exclusive discounts and offers with various merchants, including dining, shopping, and travel.
Eligibility for Emirates NBD Supplementary Credit Card
The Emirates NBD Supplementary Credit Card is a great option for families who want to share the benefits of a credit card. However, there are certain eligibility requirements that must be met in order to be approved for a supplementary card.
Primary Cardholder Requirements
Before applying for a supplementary credit card, the primary cardholder must meet the following conditions:
- Emirates NBD Credit Cardholder: The primary cardholder must already have an active Emirates NBD credit card, such as the Emirates NBD Platinum or Emirates NBD Skywards card.
- Minimum Age: The primary cardholder must be at least 21 years old.
- Satisfactory Credit History: The primary cardholder should have a good credit history and be in good standing with the bank to ensure eligibility for a supplementary card.
Supplementary Cardholder Requirements
The supplementary cardholder must also meet certain eligibility criteria, including:
- Family Member: The supplementary cardholder must be a family member of the primary cardholder, typically a spouse, parent, or child.
- Age Requirement: The supplementary cardholder must be at least 18 years old.

Benefits of Emirates NBD Supplementary Credit Card
The Emirates NBD Supplementary Credit Card comes with a wide range of benefits that make it an attractive option for families who want to maximize their credit card rewards and privileges. Here are some of the key benefits:
1. Shared Rewards and Points
One of the biggest advantages of the Emirates NBD Supplementary Credit Card is that both the primary cardholder and the supplementary cardholder can earn rewards points on their purchases. These points can be accumulated and redeemed for a wide variety of rewards, including:
- Flight Miles: Earn Skywards Miles on every purchase, which can be redeemed for free flights or upgrades with Emirates.
- Shopping Vouchers: Redeem points for shopping vouchers with top retailers, helping you save on your favorite brands.
- Cashback: Choose to redeem your points for cashback that can be credited to your account.
2. Exclusive Access to Offers and Discounts
Both the primary and supplementary cardholders enjoy exclusive offers and discounts with a variety of merchants. From dining offers to discounted shopping deals, the Emirates NBD Supplementary Credit Card makes it easy to save while enjoying premium services.
3. Complimentary Lounge Access
Many Emirates NBD credit cards offer complimentary access to airport lounges around the world. As a supplementary cardholder, you also have access to these lounges when traveling with the primary cardholder. This provides a comfortable and relaxing environment before your flight.
4. Enhanced Travel Benefits
If the primary cardholder has a travel-related credit card, the Emirates NBD Supplementary Credit Card will offer similar travel benefits for supplementary cardholders. This may include travel insurance, concierge services, and exclusive hotel deals.
5. Convenient Spending for Family Members
By issuing a supplementary credit card to family members, the primary cardholder can track and manage family spending. This is especially useful when managing household expenses and ensuring that everyone is making purchases within budget.
How to Apply for Emirates NBD Supplementary Credit Card
Applying for an Emirates NBD Supplementary Credit Card is a straightforward process. Here’s how you can do it:
Step 1: Check Eligibility
Make sure that you meet the eligibility requirements as outlined above, including being the primary cardholder of an active Emirates NBD credit card.
Step 2: Visit Emirates NBD Branch or Website
You can apply for the Emirates NBD Supplementary Credit Card by visiting an Emirates NBD branch near you or by applying online through the Emirates NBD website. The online application process is quick and simple.
Step 3: Submit Documents
As part of the application process, you will need to provide documents for both the primary and supplementary cardholders, such as identification documents, proof of address, and family relationship proof (if required).
Step 4: Wait for Approval
Once you submit your application, Emirates NBD will review your details. If everything is in order, your supplementary credit card will be approved and delivered to your address.
Key Considerations When Using Emirates NBD Supplementary Credit Card
While the Emirates NBD Supplementary Credit Card offers a range of benefits, there are a few things you should keep in mind when using it:
- Shared Credit Limit: Since both the primary and supplementary cardholders share the same credit limit, it’s important to manage spending carefully to avoid exceeding the limit.
- Fees and Charges: While there are no additional fees for the supplementary card, it’s important to be aware of any fees associated with the primary credit card, such as annual fees or late payment fees.
- Monitoring Spending: Both the primary and supplementary cardholders can monitor spending through the Emirates NBD mobile app or online banking. This helps ensure that all expenses are within budget and that the primary cardholder can keep track of transactions.
FAQs About Emirates NBD Supplementary Credit Card
1. Can I apply for a supplementary credit card if I don’t have an Emirates NBD primary card?
No, you must first have an active Emirates NBD primary credit card before applying for a supplementary card.
2. Are there any annual fees for the Emirates NBD Supplementary Credit Card?
No, there are no additional annual fees for supplementary credit cards. The supplementary cardholder enjoys the same benefits as the primary cardholder without any extra charges.
3. How many supplementary cards can I issue?
The number of supplementary cards you can issue depends on your primary card’s terms and conditions. Typically, you can issue multiple cards to your family members.
4. Can I use the supplementary card abroad?
Yes, the Emirates NBD Supplementary Credit Card can be used internationally, allowing you to enjoy benefits such as lounge access and travel rewards.
5. Can supplementary cardholders access the rewards points?
Yes, both the primary cardholder and the supplementary cardholder can earn and redeem rewards points, making it easy for the whole family to benefit from the card.
Conclusion
The Emirates NBD Supplementary Credit Card is an excellent way to extend the benefits of your primary card to your family members, making it easier to manage household expenses and enjoy rewards, discounts, and travel privileges together. Whether you’re looking to share your credit limit with a spouse, parent, or child, the Emirates NBD Supplementary Credit Card offers a convenient, cost-effective way to maximize the advantages of your credit card.
By understanding the features, benefits, and application process, you can make the most of the Emirates NBD Supplementary Credit Card and unlock new opportunities for savings and rewards.