Guide to the Emaar Credit Card by Emirates NBD
The Emaar Credit Card by Emirates NBD is a premium financial product designed to enhance the lifestyle of frequent shoppers, travelers, and those who seek exclusive benefits. Backed by one of the UAE’s leading banks and Emaar, a real estate giant, this card offers a range of rewards, including Emaar Reward Points, discounts, travel perks, and more.
This guide explores every aspect of the Emaar Credit Card, detailing its benefits, eligibility, fees, and how to maximize its advantages.
Emaar Credit Card Overview
The Emaar Credit Card by Emirates NBD is a co-branded credit card that allows users to earn and redeem Emaar Reward Points on various transactions, especially for spending at Emaar Malls, Emaar Hotels, and partner outlets.
Key Features of the Emaar Credit Card
| Feature | Details |
|---|---|
| Issuer | Emirates NBD |
| Reward Program | Emaar Reward Points |
| Annual Fee | Varies by card type |
| Interest Rate | Competitive rates |
| Minimum Salary Requirement | AED 8,000 – AED 25,000 (varies by variant) |
| Cashback & Discounts | Travel, shopping, and lifestyle benefits |
| Airport Lounge Access | Available for premium cardholders |
| Eligibility | UAE residents meeting salary criteria |
Types of Emaar Credit Cards by Emirates NBD
Emirates NBD offers multiple variants of the Emaar Credit Card, each catering to different customer segments.
1. Emaar Platinum Credit Card
This is a high-end variant designed for frequent travelers and high spenders.
Features & Benefits
| Card Variants | Available in multiple tiers (Standard, Platinum, Signature, Infinite) |
| Annual Fee | Varies by card tier (Some tiers may have a free-for-life option) |
| Emaar Reward Points | Earn points on Emaar purchases, dining, retail, and everyday spending |
| Exclusive Discounts | Discounts at Emaar hotels, restaurants, shopping malls, and attractions |
| Airport Lounge Access | Complimentary access to select lounges worldwide |
| Travel & Lifestyle Perks | Travel insurance, concierge services, and discounts on bookings |
| Flexible Repayments | Easy installment plans for large purchases |
| Contactless Payments | Enabled for Apple Pay, Google Pay, and Samsung Pay |
This credit card is an ideal choice for shoppers, travelers, and luxury seekers who frequently spend at Emaar properties and partner brands.
Benefits of the Emaar Credit Card
The Emaar Credit Card offers a range of exclusive perks designed to enhance the lifestyle of its users.
1. Earn & Redeem Emaar Reward Points
The Emaar Reward Points program allows cardholders to accumulate points on their purchases and redeem them at participating Emaar outlets.
| Transaction Type | Reward Points Earned |
|---|---|
| Emaar Hotels, Dining, Shopping | High reward points per AED spent |
| International Spending | Moderate reward points per AED spent |
| Local Retail & Grocery | Standard reward points per AED spent |
These points can be redeemed for:
- Hotel stays at Emaar properties
- Shopping at Emaar Malls
- Dining at Emaar restaurants
- Entertainment experiences like Dubai Opera & VR Park
2. Travel Benefits
The Emaar Credit Card includes premium travel benefits:
- Free access to airport lounges worldwide
- Travel insurance covering flight delays, medical emergencies, and lost baggage
- Special discounts on airline bookings, car rentals, and luxury stays
3. Dining & Shopping Discounts
Cardholders get:
- Exclusive discounts at Emaar restaurants
- Savings on luxury shopping at Emaar Malls
- VIP access to special events and seasonal sales
4. Free Movie Tickets & Entertainment Perks
Some card variants offer:
- Buy-one-get-one-free movie tickets at select cinemas
- Discounted tickets for Emaar attractions such as VR Park, KidZania, and Dubai Aquarium
5. Lifestyle & Concierge Services
- 24/7 concierge service for travel bookings, dining reservations, and event tickets
- Golf privileges at select courses
- Luxury car rental discounts
6. Easy Payment Plans
- Convert large purchases into 0% interest installment plans
- Flexible repayment options available
Eligibility & Requirements for the Emaar Credit Card
Before applying, ensure that you meet the eligibility requirements set by Emirates NBD.
Who Can Apply?
- UAE residents with a valid Emirates ID
- Minimum age 21 years
- Minimum monthly salary: Varies by card type (typically AED 5,000 – AED 25,000)
- Good credit score required for approval
Documents Needed
- Emirates ID (for UAE nationals & residents)
- Passport & visa copy (for expatriates)
- Salary certificate or proof of income
- Bank statements (last 3-6 months)
Fees & Charges of the Emaar Credit Card
It’s essential to understand the cost of owning the Emaar Credit Card to make an informed decision.
Annual Fees & Interest Rates
| Card Tier | Annual Fee | Interest Rate |
|---|---|---|
| Standard | AED 250 – AED 500 | ~3.25% per month |
| Platinum | AED 750 – AED 1,000 | ~2.99% per month |
| Signature | AED 1,500 – AED 2,000 | ~2.75% per month |
| Infinite | Free-for-life (if eligible) | ~2.49% per month |
Other Charges:
- Cash advance fee: 3% of the transaction amount
- Foreign transaction fee: 2%–3.5% per transaction
- Late payment fee: AED 200–AED 300
- Card replacement fee: AED 100
How to Apply for the Emaar Credit Card
Applying for the Emaar Credit Card by Emirates NBD is simple and can be done online or in person.
1. Apply Online
- Visit the Emirates NBD website
- Fill in your personal and financial details
- Submit the required documents
- Wait for approval (usually within 5–7 working days)
2. Apply In-Person
- Visit an Emirates NBD branch
- Meet with a credit card representative
- Provide the required documents
- Complete the application process
3. Apply via Mobile Banking
- Log into the Emirates NBD mobile app
- Select the Emaar Credit Card option
- Upload your documents
- Submit your request
Tips to Maximize Your Emaar Credit Card Benefits
Here are some ways to make the most of your Emaar Credit Card:
1. Use the Card for Emaar Purchases
Since the card offers higher rewards at Emaar properties, make it your primary card for shopping, dining, and entertainment at Emaar establishments.
2. Take Advantage of Travel Perks
- Always check for free airport lounge access before traveling
- Use the card for flight and hotel bookings to earn extra rewards
3. Convert Large Purchases into Installments
To avoid financial strain, convert big-ticket purchases into 0% interest installment plans.
4. Track Reward Points & Redeem Strategically
- Monitor your Emaar Reward Points via the Emirates NBD mobile app
- Redeem points during seasonal promotions for better value
5. Set Up Auto Payments to Avoid Late Fees
Automate your monthly bill payments to avoid interest charges and maintain a good credit score.
Conclusion
The Emaar Credit Card by Emirates NBD is a powerful financial tool designed for UAE residents who frequently shop, dine, and travel. With its reward points system, lifestyle perks, and travel benefits, this card is perfect for those who want a premium experience while enjoying discounts and cashback offers.
If you’re eligible, applying for the Emaar Credit Card can enhance your spending power while offering exclusive access to Emaar properties and partner brands.
🔹 Interested in applying? Visit Emirates NBD today!
Frequently Asked Questions (FAQs)
1. What are the main benefits of the Emaar Credit Card?
The card offers Emaar Reward Points, discounts on shopping and dining, free airport lounge access, travel insurance, and easy installment plans.
2. Is the Emaar Credit Card free for life?
Some variants, like the Infinite Card, may offer a free-for-life option if you meet certain spending requirements.
3. Can I redeem Emaar Reward Points for cash?
No, but you can use them for hotel stays, dining, shopping, and entertainment at Emaar outlets.
4. What is the minimum salary requirement for the Emaar Credit Card?
The minimum salary varies by tier, typically ranging from AED 5,000 to AED 25,000 per month.
5. How long does it take to get approved for the card?
Approval usually takes 5–7 working days, depending on your documents and financial profile.
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