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Emirates NBD International

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Business Credit Card

Welcome to the world of
Business Advantages
Apply Now

Business Credit Card

Welcome to the world of Business Advantages

Apply Now

Emirates NBD Business Credit Card is tailored to suit the requirements of every business owner and aimed at helping the cardholder manage the business efficiently. It offers a host of features such as 5% Plus Points, high cash limit of up to 75% and other value added benefits.

Business Benefits
Up to 5% Plus Points
MasterCard Benefits
Lifestyle Benefits

75% Cash Limit

Get instant access to up to 75% of your credit limit as cash with your Emirates NBD Business Credit Card. This service is available at over 1.9 million ATM worldwide, or over the counter at any bank branch around the world that displays the Visa or MasterCard symbols.

A cash advance fee (or foreign currency equivalent, where applicable), whichever is higher, will be charged.

Business Protector

Our unique Business Protector Plan covers your business expenses like utility bills, rent and salaries in case of an eventuality (Death or permanent total disability of primary card holder in case of accident)

The detailed list of benefits is given in the table below:

Insured Event	Emirates NBD Business Credit Card
Principal Sum Insured	24 times the average of last three statements current balance* up to maximum AED 250,000
Accidental Death / Permanent Total Disability	100% of the Principal Sum Insured
Utility Bills for Office/Business in case of Accidental Death or Permanent Total Disability due to Accident	AED 2,500 per month up to 3 months
Office Rent in case of Accidental Death or Permanent Total Disability due to Accident	AED 5,000 per month up to 3 months
Staff Salaries in case of Accidental Death or Permanent Total Disability due to Accident	Maximum AED 3,000 per staff per month up to a maximum of 3 staff for 3 months.
Repatriation of Remains	AED 5,000

The applicable premium is only 0.99% of your Credit Card Current Balance i.e. Premium of AED 9.9 per AED 1000 of your Current Balance. Apply today, to secure your loved ones’ tomorrow!

If you wish to opt out of this plan, kindly call us on 600 54 0000 for assistance.

The insurance cover is provided by Royal & Sun Alliance Insurance (Middle East) B.S.C.(c). ENBD only acts as a distributor of this product and has no liability to pay any claims.
For detailed terms & conditions, please click here .

For claims, please contact 04 3029903 or send an email to commercialclaims@ae.rsagroup.com.

*Current balance: Total outstanding balance on the credit card account payable to the Bank according to the banks records on the date the Statement of Account is issued.

Flexible Payment
Your Emirates NBD Business Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement. You can choose to pay 5%, 10%, 25%, 50% or 100% of your outstanding balance every month. Choose from the following options to make your card payments:
- Standing instruction to debit your Emirates NBD Savings or Current Account
- Online payment if your are an Emirates NBD Savings or Current Account holder
- Cash payment through Emirates NBD branches, cash deposit machines in Emirates NBD branches and through Al Ansari Exchange* and UAE exchange branches*
- Cheque payment to Emirates NBD Card Payments Division, PO Box 31813, Dubai, UAE
For more information, please call +971 600 54 0000

* A service fee per transaction will be charged for bill payments through the Exchange houses. This service fee is in addition to your card payment amount and should be paid along with the bill payment at the Exchange House
Rent-a-car
- 30% discount on rack rate on SEL rent-a-car.
- Call SEL on 04 425 3334 for booking
Salik Auto Top Up
Your Emirates NBD Credit Card provides the most convenient option for RTA Salik Auto top up. By activating the facility, you do not have to remember to recharge your Salik account when the balance reduces.
- The Salik Auto top up option recharges your Salik account linked to the Credit Card, with the specified amount, every time it reduces to a threshold of AED 30.
- Auto top up is initiated for the amount as specified by you at the time of application.
- In case you have not requested for Auto top up at the time of application but would like to do so, please call us on +971 600 54 0000 and we will help you activate the facility. Please ensure you have your Salik account number and PIN handy when you call us.
- Please note that only one Salik account can be linked to the Credit Card. You can activate Salik Auto top up on your Supplementary Card/s also.
- Salik Auto top up plans
  You may choose Auto top up amount from any of the below plans:
  - Plan 1: AED 50
  - Plan 2: AED 100
  - Plan 3: AED 200
  The Salik Auto top up option will recharge the Salik account from your Credit limit and therefore your Credit limit is utilised to the extent of the top up amount. All Auto top ups initiated within your Credit Card statement cycle are included in your monthly Credit Card statement for payments.
- Auto top up cancellation
  
  You may call us on +971 600 54 0000 at any time to request cancellation of Salik Auto top up facility on your Card.
- Guidelines for usage
  
  All RTA related usage on the Credit Card is governed by RTA terms and conditions. For details, please visit www.rta.ae The Credit Card related usage is governed by Emirates NBD Credit Card Terms and Conditions. For the latest Terms and Conditions, please click here .
Other Benefits
Installment Plan
With the Emirates NBD Installment Plan you can buy now and pay conveniently in monthly installments 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 ENBD Business Credit Card
- It’s flexible - choose your preferred installment term - 3, 6, 12, 24 or 36 months
- It’s economical - low monthly interest rate
To convert your purchases to the Installment Plan, just call us on +971 600 54 0000 within 50 days of making your purchase and choose a plan that best suits your needs.

Utility Bill Payments Use your Emirates NBD Business Credit Card to pay your Etisalat, du, DEWA and EM post (Emirates Post) bills online.

SMS alerts Get additional security with free SMS alerts for every transaction made on your card. You are automatically enrolled for this service.
Furniture:
Save 20% on high quality furniture from Indigo Livings Visit the Indigo Living shop to avail of the offer.

You can earn up to AED 2000 as Plus Points per month.
Earn up to 5% Plus Points when you use your Emirates NBD Business Credit Card for your domestic and international retail spends. Each time you use your Emirates NBD Business Credit Card to pay for hotels, government services, utilities, supermarket & foreign transactions, you will earn Plus Points of up to 5% of the amount spend. You can earn Plus Points on both primary & supplementary card(s) transactions. There is no minimum spend required to earn Plus Points. Following table shows the Plus Points earned on different kinds of transactions:

Spend Category *	Plus Points % on amount spent	Maximum Plus Points per month
Hotels	5%	400
International transaction	2%	1000
Government Services including DED Transactions	1%	300
Utility Bill Payment and Petroleum	1%	300
Groceries, Supermarket and other	0.5%	300

**1 Plus Point is equivalent to 1 AED
For Redemption of your Plus Points please click here

For more information to redeem your Plus Points, please call +971 600 54 0000

For Plus Points FAQ’S, please click here

*As per merchant category defined by MasterCard/Visa.
In case of overlapping of spend categories, the Plus Points will be calculated at the lower rate however the difference will be credited in the subsequent statement.
For example- Plus Points for a hotel expense in London will get a Plus Points @ 2% in the current month’s statement and the balance 3% will be credited in the subsequent month.

Corporate liability waiver

Protects your company against unauthorized use of card by employees up to a maximum annual amount of $25,000 per cardholder and $1,600,000 per company.
DHL Shipping Discount
Save 20% on your daily business shipments.
- Discount applies to shipping charges, excluding insurance charges and fuel surcharges
- Full payment for DHL services must be made with a valid MasterCard® issued by a financial institution in countries in the Middle East and North Africa
- Promotion is valid at all DHL or DHL affiliate locations in the Middle East and North Africaas well as at https://webshipping.dhl.com
To avail promotion, visit webshipping.DHL.com, select country, click “Create a one-time Credit Card Shipment” and enter promo code MASTERCARD20 when checking out.
MasterCard Buy 1 Get 1 Offers

Choose from hundreds of complimentary offers throughout the Middle East & Africa across dining establishments, spas, attractions, cafes, and more when paying with your MasterCard Business Card.
Download the MasterCard Buy 1 Get 1 app from the App Store or Google Play Store and enjoy unlimited offer redemptions.

Regional Airport Lounges Access

Enjoy unlimited access to airport lounges in the Middle East, Levant and North Africa by presenting your MasterCard Business Card at the entrance.

Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
Access to business facilities—email, Internet, phones, fax machines, and conference space in some lounges
Complimentary refreshments and snacks

Country	Lounge
Egypt (Cairo) x2	Cairo International Airport, VIP Lounges at Terminal 1 and 3
Jordan (Amman)	Queen Alia International Airport Amman, Petra Lounge
Kuwait	Kuwait International Airport, MasterCard Lounge
Saudi Arabia (Jeddah)	Jeddah International Airport, First Class Lounge
UAE (Abu Dhabi)	NEW! Abu Dhabi International Airport, VIP Terminal, MasterCard Diamond Lounge
UAE (Dubai) x3	Dubai International Airport, Marhaba Lounges at Terminal 1,2,3
UAE (Dubai)	Dubai World Central -Al Maktoum International Airport Terminal4 Lounge

Discounted Chauffeur Rides with Careem
Across countries in the Middle East with your MasterCard Business Card you can enjoy the following benefits when taking rides with Careem:
- 20% discount two times each month
- First ride free of charge (for new Careem customers only)
Download Careem from the App Store or Google Play Store. To get your first ride free, simply add your card as the payment method and enjoy the ride.

To avail the 20% discount, enter promo code MASTERCARD when booking your ride.
Hertz Gold Plus Rewards Car Rental Benefits
When MasterCard Business Card cardholders enroll into Hertz Gold Plus Rewards,
they are automatically eligible for enhanced benefits, which include:
- 10% discount on all Hertz car rentals
- Free one car class upgrade for every booking (subject to availability)
- A fee waiver for an additional spouse/partner driver
Simply visit www.hertz.com/mastercard/premium to enroll and avail the benefits.

Bon Appétit

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 Appétit 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 .
LiveWell

In today’s fast paced life, we know that it is hard to maintain a healthy lifestyle.
With Emirates NBD’s Business Credit Card, staying healthy is not only easier but a lot more rewarding.

Live Well Program is designed to bring you the best in fitness and wellness with exclusive offers and amazing discounts of up to 50% at over 500 Spas, Medical and Wellness Centers, Gyms, Salons and more.
Put your health first and see the difference with Emirates NBD Business Credit Card.
To view the various offers under LiveWell, please click here.
Golf Benefits
Tee off and conquer new terrain with your Emirates NBD Business Credit Card
We are pleased to share with you that we have enhanced our product benefits to support your golfing needs.

a) Enjoy complimentary golf at four courses across the UAE:
- Abu Dhabi Golf Club
- Arabian Ranches Golf Club
- Sharjah Golf and Shooting Club
*To book your complimentary rounds at any of these stunning courses in the UAE please visit emiratesnbd.golflan.com

b) 40% discount at over 100 golf courses worldwide
c) Up to 15% discount on all golf equipment at egolfmegastore.ae by simply entering the promo code ' ENBD2015'.

Terms and Conditions apply.
- Complimentary golf is offered on a first come first serve basis
- Processing fee of USD 1 is applicable
- Golf usage is capped based on the card type as outlined below:
  - Twice a Month: Skywards Infinite / Signature, Infinite, SPG and dnata World Credit Cards
  - Once a Month: Platinum / Business Rewards / Corporate and Diners Credit Cards
- Minimum spend criteria applies:
  - AED 5,000 average per month spend for Skywards Infinite / Signature, Infinite, SPG and dnata World Credit Cards
  - AED 3,000 average per month spend for Platinum / Business Rewards / Corporate and Diners Credit Cards