Emirates NBD Credit Cards, UAE
When it comes to credit cards in the UAE, Emirates NBD stands out as a pioneer. Since the merger of Emirates Bank International and National Bank of Dubai in 2007, the bank has grown into one of the region’s most trusted financial institutions. Today, Emirates NBD credit cards are not just pieces of plastic for payments — they are gateways to lifestyle privileges, global travel benefits, and financial flexibility. Whether you’re a frequent flyer, a family-oriented shopper, or a football fan, there’s an Emirates NBD credit card tailored to your lifestyle.
Why Emirates NBD Credit Cards Dominate the UAE Market
The UAE banking industry is highly competitive, with global players like HSBC and Citibank competing against local giants such as FAB and ADCB. Yet Emirates NBD has carved a niche with cards that combine zero annual fee options, reward-rich co-branded partnerships, and premium lifestyle perks. From earning Skywards Miles with Emirates Airlines to enjoying cashback at LuLu Hypermarkets and Upoints at Emaar properties, Emirates NBD credit cards are deeply integrated into the UAE’s cultural and economic ecosystem.
Unlike generic credit offerings, Emirates NBD cards embed themselves into everyday life in Dubai and beyond — think of paying for groceries at LuLu, topping up your Nol card with the Go4it card, or getting complimentary valet parking at Yas Mall in Abu Dhabi.
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Popular Emirates NBD Credit Cards in 2025
1. Emirates NBD Lulu 247 Titanium Credit Card
Perfect for value-conscious families, this free-for-life card offers:
- 3.5% cashback at LuLu stores and online
- Buy 1 Get 1 free movie tickets at VOX Cinemas
- Free airport lounge access across 10+ regional airports
- Discounts on flights and hotels via Cleartrip
👉 Best for: Everyday shoppers who regularly visit LuLu Hypermarkets and want straightforward cashback rewards.
2. Emirates NBD Duo Credit Card
Unique for offering two cards in one (a Diners Club and a Mastercard), the Duo is built for frequent travelers and Abu Dhabi residents:
- Unlimited airport lounge access worldwide
- Complimentary golf at leading UAE courses like Trump International and Abu Dhabi Golf Club
- 5% cashback on groceries, fuel, education, and utilities
- Concierge and valet parking services
👉 Best for: Frequent travelers and premium lifestyle seekers, especially those living in Abu Dhabi.
3. Emirates NBD Manchester United Credit Card
For passionate football fans, this card blends sport and lifestyle perks:
- Welcome gift: Official Manchester United jersey & Red Box memorabilia
- 10x RED Points at sports stores, 5x on dining, and 2x on international spends
- Complimentary lounge access at regional airports
- Discounts at over 100 golf courses globally
👉 Best for: Manchester United supporters who want exclusive memorabilia and lifestyle privileges.
4. Emirates NBD Skywards Signature Credit Card
The ultimate travel card for Emirates Airlines loyalists:
- Up to 40,000 bonus Skywards Miles as a welcome gift
- Earn up to 1.5 Miles per USD 1 spent
- Unlimited worldwide lounge access
- Complimentary chauffeur rides and golf course access
- Extended travel insurance and purchase protection
👉 Best for: Frequent flyers looking to maximize Skywards Miles and travel perks.
5. Emirates NBD Etihad Guest Visa Inspire Credit Card
A rival to the Skywards card, but for Etihad loyalists:
- Up to 60,000 Etihad Guest Miles welcome bonus
- Complimentary Etihad Silver Tier status
- Buy 1 Get 1 Vox cinema offers
- Complimentary valet parking and golf privileges
- Global concierge and travel protection
👉 Best for: Etihad frequent travelers and Abu Dhabi residents seeking airline-specific rewards.
6. Emirates NBD U By Emaar Family Card
A lifestyle-driven card for Dubai residents who frequent Emaar properties:
- Buy 1 Get 1 free tickets at Reel Cinemas
- 20% off dining and spa treatments at Emaar Hospitality venues
- Silver U by Emaar status with accelerated Upoints earnings
- Discounts at 14+ UAE golf courses
👉 Best for: Families and lifestyle enthusiasts who often dine, shop, and entertain within Emaar destinations like Dubai Mall and Downtown Dubai.
7. Emirates NBD Go4it Gold Credit Card
This one merges daily commuting with lifestyle benefits:
- Functions as both an RTA Nol Card and a credit card
- Free Dubai Ferry rides
- Bonus Plus Points on weekends and RTA spends
- Complimentary life insurance and travel assistance
👉 Best for: Dubai commuters who want integrated transport and lifestyle benefits.
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Emirates NBD Credit Card Features That Stand Out
- Travel & Air Miles: Skywards Miles (Emirates) and Etihad Guest Miles for international travelers.
- Shopping Rewards: Cashback and loyalty points with LuLu, Noon, Namshi, and Emaar.
- Lifestyle Privileges: Golf, valet parking, luxury dining, cinema offers, and spa discounts.
- Financial Flexibility: 0% balance transfers, easy installment plans, and purchase protection.
- Exclusive Partnerships: Collaborations with brands like VOX Cinemas, Careem, Avis, and The Entertainer.
These benefits aren’t just perks — they reflect the UAE lifestyle where travel, shopping, and leisure experiences are deeply connected to banking products.
Things to Consider Before Applying
- Minimum Salary Requirement: Ranges from AED 5,000 to AED 15,000 depending on the card.
- Annual Fees: Some are free-for-life, while premium cards may cost AED 250–735 annually.
- Spending Criteria: Certain offers (like cinema tickets or golf access) require minimum spends.
- Foreign Transaction Fees: Typically around 1.99% on non-AED transactions.
Being aware of these helps you pick the right card for your lifestyle and avoid hidden costs.
Emirates NBD Credit Cards – FAQs
1. Which is the best Emirates NBD credit card for travel?
The Skywards Signature Credit Card is ideal for Emirates Airlines passengers, while the Etihad Guest Visa Inspire suits Etihad loyalists. Both offer airport lounge access, miles, and travel insurance.
2. Can I get an Emirates NBD credit card with no annual fee?
Yes, several cards like the Lulu 247 Titanium and U By Emaar Family Card are free-for-life.
3. Do Emirates NBD credit cards offer cashback?
Absolutely. Cashback is available with the Lulu 247, Go4it Gold, and other co-branded cards, alongside points-based rewards.
4. Are Emirates NBD credit cards good for shopping online?
Yes, especially cards tied to Noon, Namshi, Sivvi, and LuLu, which give high cashback or rewards on e-commerce transactions.
5. What’s the minimum salary required for an Emirates NBD credit card?
Most entry-level cards require AED 5,000 per month, while premium travel cards require AED 12,000–15,000 per month.
6. Do Emirates NBD cards include travel insurance?
Yes, premium cards like the Skywards Signature and Etihad Guest Inspire include comprehensive travel insurance and purchase protection.
Final Word
Emirates NBD credit cards go beyond being financial tools — they are lifestyle enablers in the UAE. From shopping rewards at iconic retail destinations like LuLu and Emaar to premium Skywards Miles for Emirates flyers, these cards reflect the diversity of life in Dubai and Abu Dhabi.
For more guides on banking, travel, and lifestyle in the UAE, explore TheDubaiWeb.com — your trusted source for navigating Dubai’s fast-evolving financial and cultural landscape.
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