What is the best Emirates NBD credit card in the UAE?

The best Emirates NBD card depends on your spend. For Carrefour and Al Futtaim shoppers, ENBD SHARE Signature (free for life, AED 8,000 salary) earns 6% back. For Skywards Miles earners, ENBD Skywards Infinite is the premium pick. For cashback, the Liv Cashback family (Liv is ENBD's digital bank) offers the best free-for-life entry from AED 5,000.

What is the Emirates NBD Skywards credit card?

Emirates NBD offers a family of Emirates Skywards co-branded cards earning Skywards Miles on every spend. The Skywards Signature and Skywards Infinite tiers include miles bonuses on Emirates flights, premium travel cover, and (on Infinite) unlimited lounge access. Minimum salary ranges from AED 12,000 (Signature) to AED 25,000+ (Infinite).

Which Emirates NBD credit cards are free for life?

ENBD SHARE Platinum and SHARE Signature are free-for-life with no annual or joining fee. Among Liv (Emirates NBD's digital bank) cards, Liv Cashback is also free-for-life from AED 5,000 salary. Free-for-life means no annual fee for the life of the card, with no minimum spend required to retain the fee waiver.

What is the Emirates NBD Platinum credit card?

Emirates NBD Platinum is a mid-tier card with airport lounge access selected through the LoungeKey programme, multi-currency wallet, and standard rewards. Minimum salary is typically AED 8,000-12,000 depending on the variant (e.g. ENBD Platinum, ENBD Titanium, ENBD U by Emaar Signature).

What is the Emirates NBD U by Emaar Duo credit card?

ENBD U by Emaar Duo is a dual-card combo (debit + credit) tied to the Emaar ecosystem. It earns Upoints on Emaar spend (Dubai Mall, Marina Mall, Emaar Hospitality) and converts to dirham-equivalent value. Minimum salary varies by tier.

Does Emirates NBD offer business credit cards?

Yes. Emirates NBD offers a range of business credit cards including Business Platinum, Business Signature, and Business Infinite — designed for SMEs with expense management features, employee cards, and tailored rewards. Minimum monthly company turnover requirements apply.

How do I apply for an Emirates NBD credit card online?

You can apply through the Emirates NBD website (emiratesnbd.com), the ENBD mobile app, or via the Liv app for Liv cards. Required documents typically include Emirates ID, residence visa, salary certificate or 3-6 months of bank statements, and proof of address.

What is the interest rate on Emirates NBD credit cards?

ENBD credit card interest rates are capped at 3.45% per month (the UAE Central Bank limit). The standard finance charge published in ENBD's Schedule of Fees is typically around 3.25% per month for UAE Nationals. Refer to your card's specific Schedule of Fees on emiratesnbd.com for the current rate.

Emirates NBD

Emirates NBD (ENBD), a flagship bank in the UAE, exemplifies robust financial services with a commitment to innovation and sustainability. Established through a merger in 2007, ENBD has evolved into a comprehensive provider of retail, corporate, and investment banking services. The bank offers a diversified portfolio, including wealth management, private banking, and digital solutions, emphasizing cutting-edge technology and customer-centric approaches. As a pivotal player in the UAE's banking sector, ENBD significantly contributes to economic growth, supporting national strategies with its proactive involvement in digital transformation and green finance initiatives. Emirates NBD's strategic vision positions it as a key facilitator of financial stability and progress in both local and global contexts.

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