The Credit Card that is your dependable and trustworthy business partner has been designed specifically for entrepreneurial,
effective business decision-makers

Travel
Rewards
Financial
Benefits
Lifestyle
Benefits
Business &
Personal Protection

Earn spectacular rewards that let you enjoy travel privileges and holiday perks.

The Emirates Business Rewards Programme

Your Emirates NBD Business Credit Card brings you a valuable travel rewards programme, created in partnership with Emirates Business Rewards. Emirates Business Rewards is a programme designed to help you manage your business travel online at emirates.com and to reward your business for flying Emirates. You earn Business Rewards Miles for each flight booked via the programme, while you and your employees still earn Skywards Miles, giving you even greater earning opportunities when you fly Emirates.

You will also earn Business Rewards Miles for every purchase you or your employees make using the Emirates NBD Business Credit Card. Business Rewards Miles can be exchanged for award flights with Emirates for you or your employees.
Earning Business Rewards Miles

Your company will earn 1 Business Rewards Mile for every US$1 spent using your Emirates NBD Business Credit Card. Supplementary cards issued to your employees will earn miles at the same rate and these will also be accrued in your Business Rewards Account. Business Rewards Miles earned with the Emirates NBD Business Credit Card are in addition to the Business Rewards Miles earned directly from Emirates.
Enrolment in the Business Rewards Programme

Your company will be automatically enrolled in the Business Rewards Programme and you will start earning Business Rewards Miles from the moment you start spending on your card. Emirates will send you an email confirming your enrolment in the programme. You will then be directed to emirates.com where you can access your company's account and invite any of your employees to join the Emirates Business Rewards Programme.

In case you submitted your existing Business Rewards account details at the time of application, the same details will be used for your Emirates Business Credit Card, making it convenient for you to retain the Business Rewards Miles earned in the existing account.
Booking Business Rewards Travel

Booking Business Rewards Travel on www.emirates.ae is just as easy. The Business Rewards Account Administrator can make bookings on behalf of all your business travelers, or nominate an administrator to make bookings on behalf of your company.

For full details of the Business Rewards Programme, to view your miles balance or to redeem your miles, please visit www.emirates.ae and click Business Rewards.
How to redeem and check your Business Rewards

Your Business Rewards Miles earned on your Emirates NBD Business Credit Card can be checked online. Just log on to www.emirates.ae and login through the Business Rewards link on the homepage.

Remember, you will need your existing Skywards account number and password to log on even into Business Rewards account. This is because your Business Rewards account is linked to the original Skywards account.

Enjoy unmatched financial perks and benefits, so you can get the most out of your cards.

The Emirates NBD Instalment Plan
With the Emirates NBD Instalment Plan you can buy now and pay conveniently in monthly instalments at a low monthly interest rate, making it easier for you to manage those large, unexpected expenses.
- It's Simple - no forms, no faxes; just a phone call, after you have made your purchase on your Emirates NBD Business Credit Card
- It's Flexible - choose your preferred instalment term - 3, 6, 12, 24 and 36 months
- It's Economical - low monthly interest rate
To convert your purchases to the Instalment Plan, just call us on 600 54 0000 within 50 days of making your purchase and choose a plan that best suits your needs.
Consolidated monthly statement

Keep track of all your business expenses, including those of your employees, with one simple consolidated monthly statement.
Online banking

Enjoy online access to your card account from anywhere in the world through the BankNet or CardNet system. You can monitor your card balances and transactions, and also make payments from your Emirates NBD account. If you have an account with Emirates NBD and can access online banking, just link your credit card to your existing relationship. Otherwise, you can access CardNet after registering for the service by visiting Cardnet.
Supplementary cards

You can give supplementary cards to your employees, free of charge. What's more you can set the credit limit assigned to each card, giving you complete control.
SMS alerts

Get additional security with free SMS alerts for every transaction made on your and the supplementary cards issued. You are automatically enrolled for this service at no cost.
Instant cash

Your card gives you instant access to cash at over 810,000 ATMs worldwide. You can also obtain cash over the counter at any bank branch around the world that displays the Visa symbol. You can withdraw up to 50% of your credit limit as cash. A cash advance fee will be charged.
Utility bill payment

Use your card to conveniently pay your Etisalat, DEWA, and Empost bills through the online payment facility. For more information, please call 600 54 0000.

Live your life to the fullest, with a range of exciting lifestyle privileges.

Unlimited Complimentary Lounge access
Live your life to the fullest, with a range of exciting lifestyle privileges. Airport lounge access
Relax either before boarding or shortly after disembarking. Enjoy unlimited access to over 500 premium airport lounges in more than 300 cities worldwide, irrespective of your airline or travel class. Simply present your Emirates NBD Skywards Infinite Credit Card at any participating LoungeKey Program airport lounge reception for immediate entrance.

To become a member of this select programme and access the lounges, simply visit LoungeKey website and follow the steps for a one-time registration: www.loungekey.com/enbdpremium
Please note:
- To enjoy the benefits of the programme, it is mandatory to complete a one-time registration.
- Cardholders holding more than one card would need to register each of their cards individually including supplementary and replaced cards.
- Cardholders enjoy unlimited complimentary visits for themselves.
- Guests will be charged at a flat rate of $27 per guest per visit, directly on the registered card.
- Access to the lounge is complimentary and unlimited to the cardholder only. Guests will be charged the respective Lounge access rates.
Golf Privileges
Free 24/7 Auto Assist

Getting help from Auto Assist is just a phone call away anytime anywhere in the UAE. If you require any of the following services: Lock out service, Towing Service, Fuel Delivery, Battery Boost and Flat tyre Service.

Call +971 4 273 2889 to avail of Auto Assist and present your Card to enjoy free assistance.
24 hour Assistance

Call 600 54 0000 for any queries related to your Card, 24 hours a day, 365 days a year.
Branches and ATM network

Enjoy access to a vast banking network with your Emirates NBD Business Credit Card, with over 100 hundred branches and 650 ATMs.
Worldwide acceptance

Your Emirates NBD Business Credit Card is accepted at over 30 million Visa establishments worldwide.
Complimentary Valet Parking Service
Enjoy upto 4 complimentary Valet Parking services of 1 hour* each at the following popular Shopping Malls in Dubai and Abu Dhabi

Dubai
- Ibn Batutta Mall (China Court and Tunisia Court)
- Wafi Mall (Main Entrance, near Carrefour and Plan B)
Abu Dhabi
- Khalidiya Mall (Main Entrance of the Mall)
- Yas Mall
- Ferrari World
- Yas Waterworld
Simply present your Emirates NBD Skywards Infinite Credit Card at the Valet Service location.

*Every additional Valet Service per hour will be charged at AED 30.
Valid only for Standard Valet Services. Not valid for VIP Valet Parking.
Services are provided through VALTRANS at all locations in Dubai, Royal Hospitality & Transportation Management Systems at Khalidiya Mall in Abu Dhabi.
Bon Appétit - An exclusive dining experience

Up to 30% at over 2,000 restaurants across the UAE , Middle East and Europe

Simply use your Emirates NBD Credit Card at any of the Bon Appetit partner restaurants to avail of fantastic discounts and exclusive dining experiences.

For the complete list of participating casual and fine dining restaurants, please Click here.
Discounts on air tickets and holiday packages

Get 5% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.

Call 04 316 65 75 to book your tickets and holiday packages.

Sunday to Thursday from (8:00AM - 5:30PM)
Saturday from (9:00AM – 5:30PM)

Benefit from complimentary Business insurance as well as Personal comprehensive travel insurance.

Travel insurance

Your Emirates NBD Business Credit Card gives you comprehensive travel insurance benefits, including personal accident cover up to AED 1,000,000. Charge your travel fare to your Emirates NBD Business Credit Card and get insurance cover across the world for any form of travel.

Personal accident
Accidental death	US$280,000
Permanent total disability due to accident (common carrier)	US$280,000
Travel insurance / Travel delay
Baggage loss (Common Carrier)	US$3,000
Baggage delay in excess of 6 hours	120 per hour up to max 12 hours
Flight delay in excess of 6 hours	75 per hour up to max 12 hours
Trip cancellation	Up to US$5,000
Emergency medical evacuation	US$500,000
Death repatriation	US$15,000
Legal fees	US$5,000
Loss of passport	US$750
Personal liability	US$75,000

For further assistance or to submit a claim, please call +971 (0) 2 408 0100.

Click here for Travel Insurance Terms and Conditions.

*Subject to Terms and Conditions of insurance policy.

Protect Plus Insurance
With Protect Plus Insurance, you can enjoy the spending power of your card with the assurance that, in the event of any unforeseen circumstances, your Emirates NBD credit card outstanding balance will be taken care of. Enjoy two months complimentary cover and pay a nominal rate on the Credit Card outstanding balances thereafter. Protect Plus covers the following:
- Job loss cover
- Loss of life
- Permanent total disability
- Critical illness
- Hospital cash benefit
You are automatically enrolled into Protect Plus. If, at any time, you wish to cancel Protect Plus, please call 600 54 0000.

In case of a Claim, you or your family needs to do the following:

Approach ADNIC for notifying any claims but not later than 30 days from the date of the event:
- By calling ADNIC contact center on 800 8040 (toll free)
- By E-mail on [email protected]
- By fax on (02) 4080 644
- Click here for Protect Plus Terms & Conditions

What are people asking?

What is Emirates NBD Business Banking?

Business Banking is another tier of banking facilities provided to our customers requiring greater financial services.
What are the benefits being offered with Emirates NBD Business Banking?

We have a full range of packages and accounts tailored for any size of businesses, together with debit or credit cards for you.
What are the types of Business Banking packages that I can avail?
We have below cited three different distinct business packages designed for your unique needs.
- Business Banking package
- Business Banking Plus package
- Business Banking Select package
What benefits do I get with Business Banking package?
Business banking package is for you If you maintain an average deposit of minimum AED 50,000. You get access to the below mentioned unique privileges with it.
- Accounts in AED and other major foreign currencies
- smartBUSINESS Online banking platform
- A dedicated customer service line exclusively for Business banking
Do I get charged If I fail to maintain the minimum average balance with Business Banking package?

Yes, you will be charges with AED 250 monthly, in case your minimum average balance falls below AED 50,000.

What is Emirates NBD Business Banking?

Business Banking is another tier of banking facilities provided to our customers requiring greater financial services.
What are the benefits being offered with Emirates NBD Business Banking?

We have a full range of packages and accounts tailored for any size of businesses, together with debit or credit cards for you.
What are the types of Business Banking packages that I can avail?
We have below cited three different distinct business packages designed for your unique needs.
- Business Banking package
- Business Banking Plus package
- Business Banking Select package
What benefits do I get with Business Banking package?
Business banking package is for you If you maintain an average deposit of minimum AED 50,000. You get access to the below mentioned unique privileges with it.
- Accounts in AED and other major foreign currencies
- smartBUSINESS Online banking platform
- A dedicated customer service line exclusively for Business banking
Do I get charged If I fail to maintain the minimum average balance with Business Banking package?

Yes, you will be charges with AED 250 monthly, in case your minimum average balance falls below AED 50,000.
What benefits do I get with Business Banking plus package?
Business banking package is for you If you maintain an average deposit of minimum AED 200,000. You get access to the below mentioned unique privileges with it.
- A dedicated relationship manager to assist you with your banking needs
- Competitive rates for foreign exchange and telegraphic transfers
- Exclusive rates on trade services, deposits and investments
- Unlimited free cheque books
- Free or discounted charges on every day transactions
- Exceptional rates for online transactions through smartBUSINESS
- Priority queue cards for teller transactions
Do I get charged If I fail to maintain the minimum average balance with my Business Banking Plus package?

Yes, you will be charges with AED 300 monthly, in case your minimum average balance falls below AED 200,000.
What benefits do I get with Business Banking Select package?
Business banking package is for you If you maintain an average deposit of minimum AED 500,000. You get access to the below mentioned unique privileges with it.
- Competitive rates for foreign exchange and telegraphic transfers
- Exclusive rates on trade services, deposits and investments
- Curated events to help your business
- Our maximum number of free or discounted charges on every day transactions
Do I get charged If I fail to maintain the minimum average balance with my Business Banking Select package?

Yes, you will be charges with AED 500 monthly, in case your minimum average balance falls below AED 500,000.
What are the types of Business accounts that I can opt for?
We have below cited three different distinct business accounts designed for your unique needs.
- Current account
- Fixed deposit account
- Call deposit account
What benefits do I get with a Business Current account?
Business Current account is an ideal for your everyday financial requirements. You get below mentioned benefits with it.
- Account in a range of major foreign currencies
- Cheque book
- Standing order and overdraft facility subject to bank's approval
- Bill payment facilities for a wide range of services
- An international debit card (exclusively for sole proprietorship and single signatory account)
What benefits do I get with a Fixed deposit account?
Fixed deposit account is for you If you maintain an average deposit of minimum AED 10,000 or equivalent in other major currencies. You get access to the below mentioned unique privileges with it.
- Market leading interest rates depending on the duration and currency of deposit
- Flexible terms ranging from 7 days to 5 years
- Overdraft facility subject to bank's approval
- Scheduled withdrawals
What benefits do I get with a Call deposit account?
Call deposit account is an ultimate and convenient choice for you that is available in a wide range of major currencies. You get below mentioned benefits with it.
- Attractive interest rates
- No fixed tenor, funds are easily accessible with 24 hours' notice
What are the benefits of a Business Credit card?
The Emirates NBD Business Credit card offers you a host of unique features mentioned below:
- Plus points
- Up to 75% of your credit limit for cash withdrawals
- Airport lounges access
- Business protector plan
- SMS alerts
- Monthly installment plans at low interest rates
- DHL shipping discount
- Mastercard buy 1 get 1 offer
- Hertz Gold plus rewards
- Discounted Careem rides
- Bon Appetit - up to 30% discount at over 2,000+ restaurants account middle east and Europe
- Live Well - up to 50% discount at over 500+ spas and wellness centers
- Up to 40% discounts at 100 gold courses worldwide
- Contactless payments
What are the benefits of a Business Debit card?
The Emirates NBD Business Debit card offers you a host of unique features mentioned below:
- Daily purchase limit of AED 75,000
- Daily withdrawal limit of AED 50,000
- Contactless payments
- SMS alerts
- Purchase protection
- Emergency replacement
- Zero liability
- Travel insurance
- Double Secure
- Global concierge services
- Access to over 850 Airport lounges worldwide
- Discounts at over 200 Airport restaurants worldwide
- Up to 25% discounts on Airport meet and assist services
- Visa luxury hotel collection
- Bon Appetit
- Avis car rental
What is the Smart Salary Payment solution offered by Emirates NBD Business banking?
We offer smart payment solutions to help you automate and streamline the payment process. This service delivers:
- Enhanced safety, security and ease of implementation
- Analysis of Online validation of the WPS file format
- Online updating of processing status on salaries
What is an Emirates NBD Salary prepay Credit card?
The Emirates NBD Salary Prepay Visa Card makes your salary payments convenient than ever, it supports your business with:
- PIN protected Visa Prepaid Card
- No employee account required
- No transaction charge for POS transactions
- Access to Emirates NBD ATMs and other local and international ATMs
- Dedicated 24x7 cardholder helpline service
- Simple VAT payments
- Dedicated Employer Helpdesk