Why Emirates NBD Credit Cards Dominate the UAE Market

“Did you know 67% of UAE residents use credit cards for daily expenses? Picking the right one could save you AED 10,000+ annually!”

The UAE credit card market is one of the most dynamic in the world, with banks offering competitive deals, rewards, and exclusive benefits to attract customers. Among these, Emirates NBD stands out as a leader, offering a range of feature-rich credit cards that cater to every financial need, whether it’s travel, shopping, dining, or cashback rewards. With its strong reputation, Emirates NBD has built a loyal customer base that trusts its products for daily transactions, luxury spending, and financial flexibility.

Why Emirates NBD Credit Cards Are Preferred in the UAE

1. Custom-Tailored Rewards & Cashback Benefits

One of the key reasons Emirates NBD credit cards are so popular is their customized rewards programs. Unlike standard credit cards that offer generic points, Emirates NBD cards provide targeted benefits such as:

 

• • Cashback on groceries, fuel, and online shopping

• • Bonus travel miles for frequent flyers

• • Special discounts on dining, luxury shopping, and entertainment

For instance, the Emirates NBD LuLu Credit Card is designed specifically for families and grocery shoppers, offering 10% cashback at LuLu Hypermarkets. Similarly, the Skywards Credit Card helps frequent travelers earn bonus miles for flights and hotel stays.

Example: A Dubai-based business executive used the Emirates NBD Skywards Credit Card for just six months and earned enough Skywards Miles to get a free flight upgrade to business class!

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2. Exclusive Travel Benefits for Frequent Flyers

With millions of UAE residents traveling frequently, a credit card that offers luxury travel perks is a must-have. Emirates NBD credit cards provide:

 

• • Free airport lounge access to 1,200+ lounges worldwide

• • Complimentary travel insurance covering flight delays and medical emergencies

• • Discounted business class upgrades on Emirates Airlines

The Skywards Credit Card is particularly popular because it accelerates Skywards Mile earnings, allowing users to redeem free flights, hotel stays, and travel experiences faster than regular cards.

Example: A travel vlogger based in Dubai uses her Skywards Credit Card to earn thousands of miles every month, allowing her to book international trips at a fraction of the cost.

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3. No or Low Annual Fees for Maximum Savings

One major advantage of Emirates NBD credit cards is their low to zero annual fee structure. Many premium credit cards charge high annual fees, making them expensive for long-term use. However, Emirates NBD offers:

 

• • Completely free credit cards (Titanium Credit Card, LuLu Credit Card)

• • Annual fee waivers for customers who meet minimum spending requirements

The Titanium Credit Card is especially attractive because it provides lifestyle discounts, travel perks, and cashback options without any annual charges.

Example: Omar, a young professional in Abu Dhabi, chose the Emirates NBD Titanium Credit Card because it offers great rewards while being completely free to use!

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4. Cutting-Edge Digital Banking & Security Features

Emirates NBD is a pioneer in digital banking, offering:

 

• • A top-rated mobile banking app for instant credit card management

• • AI-powered fraud detection systems to protect against cybercrime

• • Easy installment plans for large purchases with 0% interest

With these features, cardholders can monitor spending, pay bills, track rewards, and even freeze their cards instantly in case of suspicious transactions.

Example: Sarah, a UAE expat, lost her wallet but was able to freeze her Emirates NBD credit card instantly using the mobile app, preventing any unauthorized transactions.

Top 5 Best Emirates NBD Credit Cards in UAE (2025)

1. Emirates NBD Skywards Credit Card – Best for Frequent Flyers

If you travel often—whether for business, leisure, or visiting family—then the Emirates NBD Skywards Credit Card is a must-have. This card is designed for frequent flyers who want to maximize their travel rewards while enjoying luxury travel benefits like airport lounge access, free travel insurance, and flight discounts.

Key Benefits of Emirates NBD Skywards Credit Card

Earn Skywards Miles on Every Spend:

 

• • Earn 1 Skywards Mile per AED 4 spent internationally.

• • Earn 1 Skywards Mile per AED 8 spent locally in the UAE.

• • Bonus miles for purchases made with Emirates Airlines.

Complimentary Airport Lounge Access:

 

• • Enjoy 4 free lounge visits per year at over 1,200 airports worldwide.

• • Upgrade to unlimited access with a small fee.

Free Travel Insurance & Protection:

 

• • Coverage for flight delays, baggage loss, and medical emergencies.

• • Includes accidental death insurance during travel.

Zero Interest on Balance Transfers for 6 Months:

 

• • Transfer outstanding balances from other cards to save on interest.

• • Helps in debt consolidation and financial planning.

Up to 30% Discounts on Hotels, Dining, and Travel Packages

 

• • Enjoy exclusive discounts on Emirates Airlines, hotels, and restaurants.

Who Should Get This Card?

 

• • Frequent travelers who regularly fly with Emirates.

• • Business professionals who travel for work.

• • Luxury travelers who want VIP travel experiences.

Real-Life Example:

Ahmed, a Dubai-based consultant, earned 50,000 Skywards Miles in just 3 months by using this card for everyday expenses. He used his miles to upgrade his Dubai-to-London flight from economy to business class—absolutely free!

Pro Tip: If you travel more than 5 times a year, this card will save you thousands of dirhams on flights, upgrades, and lounge access!

Apply for Emirates NBD Skywards Credit Card 

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2. Emirates NBD LuLu Credit Card – Best for Grocery & Fuel Cashback

For families and budget-conscious shoppers, the Emirates NBD LuLu Credit Card is one of the best cashback credit cards in the UAE. This card is tailor-made for people who spend heavily on groceries, fuel, and everyday shopping.

Key Benefits of Emirates NBD LuLu Credit Card

10% Cashback at LuLu Hypermarkets

 

• • Get up to 10% cashback on all purchases at LuLu Hypermarket.

• • Cashback is automatically credited every month—no need to redeem manually!

5% Cashback on Fuel Spends

 

• • Save 5% on every fuel purchase at ENOC/EPPCO stations in the UAE.

• • No complicated conditions—just swipe and save!

0% Interest on Big Purchases

 

• • Convert large purchases into easy installment plans with zero interest.

No Annual Fee for the First Year

 

• • Get this card completely free for the first year.

• • The fee is waived in the following years if you meet minimum spending requirements.

Exclusive Discounts on Electronics & Appliances

 

• • Enjoy special offers at LuLu stores on gadgets, home appliances, and tech products.

Who Should Get This Card?

 

• • Families who do most of their shopping at LuLu Hypermarket.

• • Drivers & daily commuters who spend a lot on fuel.

• • Budget-conscious shoppers looking for easy cashback on daily expenses.

Real-Life Example:

Fatima, a mother of three, saves AED 600 per month on groceries and fuel using the Emirates NBD LuLu Credit Card. Over a year, she saves more than AED 7,000, which she uses for family vacations!

Pro Tip: Pair this card with the Skywards Credit Card to get the best of both worlds—cashback on daily expenses and travel perks!

Apply for Emirates NBD LuLu Credit Card 

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3. Emirates NBD Titanium Credit Card – Best No-Annual-Fee Card

If you want a zero-fee credit card with maximum flexibility, the Emirates NBD Titanium Credit Card is the best choice. It offers lifestyle perks, cashback, and travel discounts—all without an annual fee.

Key Benefits of Emirates NBD Titanium Credit Card

No Annual Fee—Ever!

 

• • Unlike most credit cards, this one has no annual fee, no matter how much you spend.

Discounts on Dining & Shopping

 

• • Up to 30% discount at 2,000+ restaurants & retail stores in the UAE.

• • Exclusive deals on fashion, entertainment, and leisure activities.

Travel Discounts & Free Airport Lounge Access

 

• • Complimentary lounge access at select airports.

• • Discounted flight tickets and hotel stays.

Easy Installment Plans at 0% Interest

 

• • Convert purchases into monthly installments with no extra charges.

Who Should Get This Card?

 

• • People who don’t want to pay an annual fee.

• • Students and young professionals looking for their first credit card.

• • Frequent shoppers and diners who want discounts.

Real-Life Example:

Omar, a university student in Dubai, wanted a credit card but didn’t want to pay fees. The Titanium Credit Card helped him save money on shopping, while building his credit score!

Pro Tip: Use this card for dining & entertainment, and pair it with the LuLu Card for cashback savings!

Apply for Emirates NBD Titanium Credit Card 

4. Emirates NBD Go4it Gold Card – Best for Cashback & Youth-Centric Perks

The Go4it Gold Card is perfect for young professionals, students, and those who enjoy entertainment, cashback, and lifestyle benefits. Designed for a modern, fast-paced lifestyle, this card offers discounts on cinemas, transportation, and shopping.

Key Benefits of Emirates NBD Go4it Gold Card

Up to 10% Cashback on Public Transport & RTA Payments

 

• • Save 10% on metro, tram, and bus fares in Dubai.

• • Enjoy discounts on Salik recharge and parking payments.

Free Movie Tickets & Dining Offers

 

• • Get buy-one-get-one-free (BOGO) movie tickets every month.

• • Up to 25% off on dining & fast food outlets.

Cashback on Online Shopping & Subscriptions

 

• • 5% cashback on Amazon, Netflix, Spotify, and Uber Eats.

• • 10% discount on food delivery apps & online stores.

Built-In NOL Card Functionality

 

• • The only credit card that doubles as an RTA NOL Card.

• • Tap to pay for metro, bus, tram, and parking—no need for a separate NOL card!

0% Interest for 6 Months on High-Value Purchases

 

• • Convert large purchases into easy EMIs with zero interest.

Who Should Get This Card?

 

• • Young professionals & students who use Dubai Metro & public transport daily.

• • Movie lovers & entertainment seekers who want free tickets.

• • Online shoppers & subscription users looking for cashback.

Real-Life Example:

Salman, a 24-year-old engineer in Dubai, uses this card for daily metro rides, Netflix, and online shopping. He saves AED 300+ every month, covering his gym membership for free!

Pro Tip: If you frequently use public transport or love movies, this is the best card for you!

Apply for Emirates NBD Go4it Gold Card 

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5. Emirates NBD U By Emaar Card – Best for Luxury Shopping & Lifestyle Perks

For those who love luxury shopping, fine dining, and VIP experiences, the U By Emaar Credit Card offers exclusive perks at Emaar properties, Dubai Mall, and premium hotels.

Key Benefits of Emirates NBD U By Emaar Card

Earn UPoints on Every Dirham Spent

 

• • Earn Up to 10 UPoints per AED 1 at Emaar hotels, restaurants, and Dubai Mall.

• • Redeem points for shopping, dining, and entertainment.

Exclusive Discounts at Emaar Malls & Hotels

 

• • Up to 50% off at Address Hotels, Armani Hotel, and Vida Hotels.

• • Special VIP shopping experiences at Dubai Mall.

Buy One Get One Free Offers on Dining & Leisure

 

• • BOGO deals at Burj Khalifa, Dubai Aquarium, and theme parks.

• • Free valet parking at Emaar properties.

Complimentary Airport Lounge Access & Travel Perks

 

• • Enjoy free access to 1,200+ airport lounges worldwide.

• • Discounts on flight bookings and car rentals.

Who Should Get This Card?

 

• • Luxury shoppers & VIP travelers who want exclusive perks.

• • People who frequently visit Dubai Mall, Address Hotels, and Emaar properties.

• • High-income professionals looking for a prestigious card with elite benefits.

Real-Life Example:

Mariam, a fashion blogger in Dubai, uses her U By Emaar Card to get free valet parking, BOGO deals, and massive discounts on luxury shopping. She saves AED 2,500+ per month, making luxury more affordable!

Pro Tip: Pair this with the Skywards Card to enjoy luxury benefits along with travel perks!

Apply for Emirates NBD U By Emaar Card 

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Comparison Table: Best Emirates NBD Credit Cards (2025)

Feature	Best for Travelers (Skywards Card)	Best for Everyday Savings (LuLu Card)	Best for Entertainment & Cashback (Go4it Gold)
Main Perk	Skywards Miles & Lounge Access	10% Cashback on Groceries	Free Movie Tickets & Transport Cashback
Annual Fee	AED 700 (Waived on High Spend)	Free for 1st Year	AED 300 (But Savings Cover It)
Who Should Get It?	Frequent Flyers & Business Travelers	Families & Budget Shoppers	Students, Metro Users, & Movie Lovers

6. How to Maximize Rewards & Benefits from Emirates NBD Credit Cards

 

• • Combine Multiple Cards: Use different Emirates NBD cards for travel, groceries, and entertainment to get the best rewards from each.

• • Use Smart Payment Strategies: Always pay the full bill on time to avoid interest charges while still earning cashback.

• • Take Advantage of Welcome Bonuses: New users often get bonus points, extra cashback, or free lounge access in the first few months.

• • Convert Large Purchases into 0% EMI Plans: Instead of paying upfront, use Emirates NBD’s easy installment plans to avoid financial strain.

• • Use Airport Lounge Benefits Wisely: Make sure you utilize free lounge visits before expiry.

13. Common Mistakes to Avoid When Using Emirates NBD Credit Cards

Using a credit card wisely is essential to avoid financial losses. These are common errors people commit, along with strategies for prevention.:

1. Paying Only the Minimum Amount Due

Many people only pay the minimum amount, thinking it’s enough. But this causes:
High-interest charges (up to 40% annually!).
Longer repayment periods, trapping you in debt.
Solution: Always pay your full balance before the due date to avoid unnecessary interest.

2. Not Checking for Hidden Fees & Charges

Some Emirates NBD cards come with an annual fee of AED 300–AED 700, and many users forget about these charges.
Solution: Choose a zero-annual-fee credit card to avoid extra costs.

3. Overspending Just to Earn Cashback & Rewards

Some users spend more than necessary just to earn cashback or reward points.
Example: Spending AED 5,000 just to get AED 100 cashback is not worth it if it’s an unnecessary expense.
Solution: Use the credit card only for essential expenses and avoid spending for rewards.

4. Withdrawing Cash Using a Credit Card

Using a credit card for cash withdrawals is extremely expensive:
3%-4% withdrawal fee applies.
High-interest rates start from day one.
Solution: Use your debit card for cash withdrawals instead of a credit card.

Want expert advice on choosing the best credit card?
Chat with our agent on WhatsApp now for free consultation! [WhatsApp Link]

11. How to Apply for an Emirates NBD Credit Card (Step-by-Step Guide)

Applying for an Emirates NBD credit card is quick and hassle-free, but to ensure fast approval, you must meet the eligibility criteria and provide the necessary documents.

Eligibility Criteria

Minimum Salary Requirement:

 

• • AED 5,000 for salaried employees.

• • AED 15,000 for self-employed individuals.

Age Requirement:

 

• • Applicants must be 21 years or older.

UAE Residency:

 

• • Available for UAE residents and expatriates.

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Required Documents for Emirates NBD Credit Card Application

The requirements for a credit card application include:

For Salaried Employees:

 

1. 1. Emirates ID & passport copy (with valid visa for expats).

1. 1. Salary certificate from your employer.

1. 1. Last 3-6 months’ bank statements.

For Self-Employed Individuals:

 

1. 1. Valid trade license of your business.

1. 1. Last 6 months’ personal & company bank statements.

1. 1. Emirates ID & passport copy.

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Step-by-Step Guide to Apply for Emirates NBD Credit Card

Step 1: Decide which credit card suits you best. Review benefits like cashback, travel perks, and fee waivers to choose the right card.

Step 2: Check if you meet the eligibility criteria. Make sure your salary and residency status qualify.

Step 3: Gather the required documents. Ensure all paperwork (salary certificate, bank statements, ID proof) is ready.

Step 4: Apply through our agent for instant assistance!
Click here to contact our agent on WhatsApp for faster approval & exclusive offers: [WhatsApp Link]

Step 5: Get approval & receive your card. Once approved, the bank will dispatch your credit card to your registered address within 5-7 business days.

Pro Tip: Applying through our agent ensures priority processing, faster approvals, and special discounts on annual fees & interest rates!

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12. Best Alternatives to Emirates NBD Credit Cards in UAE

If Emirates NBD credit cards don’t suit your needs, here are some of the best alternative credit cards from other top UAE banks:

Bank	Best Credit Card	Main Benefit	Annual Fee
ADCB	TouchPoints Platinum Card	High cashback on shopping & dining	AED 500
FAB	Infinite Travel Card	Best for travel & hotel discounts	AED 750
Mashreq	Cashback Credit Card	5% cashback on fuel & groceries	AED 0

Pro Tip: Compare fees, benefits, and cashback rates before choosing a credit card. Our agent can also help you compare & find the best deal!

Get expert advice now – Click here to chat with our agent on WhatsApp: [WhatsApp Link]

14. Final Verdict – Which Emirates NBD Credit Card Should You Choose?

Emirates NBD offers a wide range of credit cards for different needs. Whether you’re looking for cashback, travel perks, or luxury benefits, there’s a perfect card for you.

Still confused? Don’t worry! Instead of spending hours researching, let our expert help you find the best option in minutes!

Click below to chat with our agent on WhatsApp & get the best credit card deals in UAE!
[WhatsApp Link]

Apply today & enjoy exclusive discounts, faster approval, and extra benefits!

15. FAQs

Q: What’s the lowest income level necessary to qualify for an Emirates NBD credit card?

• A: The minimum salary requirement varies by card type. Generally, it starts at AED 5,000 for salaried employees and AED 15,000 for self-employed individuals.

Q: How long does it take to get an Emirates NBD credit card approved?

• A: The approval process typically takes 2 to 5 working days, but applying through an agent may speed up the process.

Q: Do Emirates NBD credit cards have an annual fee?

• A: Some cards have zero annual fees, while premium cards may charge AED 300 to AED 700 annually.

Q: Can I get an Emirates NBD credit card if I am self-employed?

• A: Yes, but you need to provide a valid trade license, company bank statements, and proof of income.  
   

Q: What is the best Emirates NBD credit card for frequent travelers?

• A: The Emirates NBD Skywards Card is best for travelers, offering Skywards miles, free airport lounge access, and travel insurance.

Q: Is there a cashback credit card option with Emirates NBD?

• A: Yes, the Emirates NBD LuLu Platinum Card and Go4it Gold Card offer cashback on groceries, fuel, and metro rides.

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• A: Yes, but it’s not recommended due to a 3%-4% cash advance fee and high interest rates starting from day one.

Q: What are the effects of failing to pay my credit card bill on time?

• A: A late payment fee applies, and interest will accrue, which can negatively impact your credit score. 
   

Q: How can I increase my credit limit with Emirates NBD?

• A: You can request a credit limit increase by providing updated salary proof and bank statements showing strong financial standing.   
   

Q: Where can I apply for an Emirates NBD credit card?

• A: You can apply through our WhatsApp agent for priority processing and exclusive offers. [WhatsApp Link]

Additional information gathered from search results:

• It is important to note that when referring to the minimum salary requirements, it may vary dependant on the chosen card. For example, some Emirates NBD cards may have a minimum salary requirement of AED 12,000.
• For self employed individuals, information from Emirates NBD states that there needs to be a average bank balance of at least AED 50,000 over the last 3 months.

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Important Pages

Before applying for a credit card or personal loan, review these crucial details:

Terms & Conditions – Get clarity on interest rates, annual fees, and hidden charges before signing up.
Privacy Policy – Understand how your personal and financial data is protected during the application process.
Disclaimer – Learn about potential risks, banking policies, and your financial responsibilities.

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