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A relationship that recognizes your loyalty and is packed with services and product offers
Transaction Banking Relationship
Open a current account, transfer your salary and you will get amazing benefits such as:
Free Banking- Free daily banking* including free international ATM cash withdrawals above USD 300
- Free local and international remittances and option to send money in 60 seconds with DirectRemit
- Use our award winning Mobile App with innovative features covering security, payments, fund transfers, accounts & cards control, as well as apply for loans and more.
Exciting Privileges
- Free Entertainer booklet with vouchers worth AED 50,000
- Skywards Signature Credit Cards with 30,000 skywards miles
- Benefit from discounts of up to AED 8,000 on Credit Cards, Personal Loans, Auto Loans and Home Loans within 6 months of starting your banking relationship
- Save upto AED 3,000 on joining fee of Skywards Credit Card, U By Emaar Visa Card or SPG® World Mastercard with our new bundle offering with metlife insurance products
- Get on an interactive video call with your Personal Banking Advisor with Facebanking
*Fair use policy applies; penal charges and regular Debit Card usage charges are applicable.
Beyond Rewards Program
Introducing a simple and transparent loyalty rewards program of where you can win prizes every month based on your product holding. You have a chance to win one of 15 cashback prizes.
- 12 prizes of AED 2,000 cashback for Dubai, Sharjah and Northern Emirates customers
- 3 prizes of AED 2,000 cashback for Abu Dhabi and Al Ain customers
Special banking privileges
Exclusive for Sanad Cardholders
In line with the "My Community" initiative launched by His Highness Sheikh Hamdan bin Mohammed bin Rashid Al Maktoum, Crown Prince of Dubai and Chairman of Dubai Executive Council, which aims to transform Dubai to disability friendly city by 2020, Community Development Authority (CDA) has launched a smart card titled SANAD (which means "to support" in Arabic) for people with disabilities.
Enjoy absolute peace of mind through a hassle free banking experience that ensures you get the "best value" from the banking relationship i.e. both financially and emotionally. Imagine the time and effort put in the following:
- Shopping around for discounts on Loans and better rates on Savings Account and Fixed Deposits
- Carrying multiple Credit Cards and keeping track of different billing dates and payments
- Driving the extra mile to the exchange house to instantly remit money to save on fees
- Running after different insurance companies to find the best Savings Plan, Motor Insurance, Medical and Life Coverage for your family
And compare it with the simplicity and convenience offered by the Emirates NBD Personal Banking Beyond Package. We're sure you will not want to settle for anything less.
It is the most comprehensive proposition that delivers not only great product promotions but also combines service, loyalty and rewards.
Beyond Rewards Program
Introducing a simple and transparent loyalty rewards program of where you can win prizes every month based on your product holding. You have a chance to win one of 15 cashback prizes.
- 12 prizes of AED 2,000 cashback for Dubai, Sharjah and Northern Emirates customers
- 3 prizes of AED 2,000 cashback for Abu Dhabi and Al Ain customers
As a Beyond from Personal Banking customer you will get entries equivalent to the number of products held with Emirates NBD i.e. Current Account, Savings Account, Fixed Deposit, Credit Cards, Loans, Insurance, Foreign Exchange transactions in the monthly raffle draw without any other terms and conditions on usage, ticket size etc. So if you have a Salary Transfer Account and a Credit Card every month you will be given 2 entries in the raffle draw while your friend would get 4 entries every month if he has a Salary Transfer Account, Credit Card, Auto Loan and an Insurance Plan with Emirates NBD Personal Banking.
Every quarter raffle draws will be conducted and winners will be announced.
Bank reserves the right to revoke/change the rewards program without prior notice
- Beyond Rewards Prize Cashback Winners
- March 2019
HERNAN SANCHEZ QINFANG CHEN HOSSAM ALI ABDELHALIM ALI RENGARAJAN SRINIVASAN MURTUZA. MOIZ JESSY KADAMPATTU ABRAHAM SEBESTION DEVARAJAN GNANADASAN PAMELA TEIXEIRA DA SILVA SOUZA ESSA MITRY FARAH QOURA MOHAMMED H A GHATTAS YOGAESH SHARDA KEDAR SAPTE GERALDINE G.R VERPOORT HASAN BEHRAM SARIALIOGLU FRITZ HAGEN - February 2019
SAJIM SAINUDEEN PETER CAETANO FERNANDES FARRUKH HUSSAIN QAZI RAJEEV KAUL PATRICE JOSEPH SEJEAN MALEK ASMAR VIJAY KUMAR PUTHUKULANGARA ANIL SREENIVASAN SUZANNE MATHILDE AAGJE HARTOG SURAJ KUMAR UKRANI AYAH TAISIR TAWFIQ AL DWAIK GOUDAPPA BIRADAR ELIZABETH CONNIE ANAK ROHIT VIVEK KUMAR SINGH HAITHAM ABDELMONEM MAKLAD ELSHIKH - January 2019
KHALED ADNAN ALAAEDDIN ROHIT BEDI EIAD IBRAHIM KHOURY ABDUL WAHAAB ADEBAYO IBRAHEEM LUBOMIR ZITTA ZAMIR HASMUKH KIKANI SADIE MARIE GOULD BARNETT ELIE SAYKALI SAAB GIANCARLO DUQUE BARRATT BRANQUINHO ILHAM KECHA MUHAMED MUSTHAFA MARIANO ANDRES PUERTA AMER AHMED ABBASI MARI SHIMIZU TRIDEEPU VASUDEVAN PILLAI - December 2018
CATHERINE ANN ATYEH MAJID GORJI YAZDY FARID MOBAYED OZGE NIHAN VYSAL MOHAMMED ABDELHAMEED HAFEZ ALI SHEHAB FEBA JULIANA THOMAS SHASHANK SHEKHAR KHATRI SYED BAQAR RIZVI CHANDRASHEKHAR SINGH BHADAURIA SAIMA MAJID MATTOO AMRO MOHAMED NAGAH ATEF MOHAMED SHETA VIENNA TRONDILLO BOO WANNAKUWATTAWADUGE CHIRATH JEREMY DUVITTE FERNANDO PRASENJIT DAS MINA WAGIH SOBHY ABDELMALEK - November 2018
KHALID SAIFULLAH MOHAMMAD EBRAHIM MOHAMMAD TAGHI SEPEHRI MUSTAFA KORKMAZ HOMAYOON HASSAN SHAHIDI OMAR EL KASSIR ABDUL AZEEZ AMEEEN RAMEZ AHMAD KANAFANI BASKARAN SAMIKANNU MOHAMMED MUSTAFIJUR RAHMAN CLAUDIA TILDE CHICCHIRICHI PIERANTOZZI KULDEEP BEHARI MATHUR BEHNAM ABDOLAZIZ ABBASZADEH AHMED ABDULAZIZ S ALTURBAK AMIR ALAM ABDUL AZEEZ KHAN THEVASAGARAN NAIDOO - October 2018
SALIM HAMED KHADUMA AL NAAIMI SOBHA RAJESH ANDEMIRKAN GUCHAEV JULIE NATHALIE MARECHAL AYSHA YUSUF MOHAMED YUSUF NAJIBI MYRATBERDI HANOV ALAN DEARIE JIANGUO JIN SAJUMON PUSHPANGADHAN SHOBHANA SURESH KUMAR IQBAL MOHIDIN KHAN MENANDRO PARUNGAO ARCILLA AARTI KISHORE GVALANI SERGII POTAPENKO MOHAMED MOSTAFA AHMED IBRAHIM - September 2018
MOHAMED AHMED MOHAMED HUSSAIN HAMMADI TUFAIL KHAN WALAYAT KHAN MARYDELL TARREGA TORRECHILLA MALIHA KHALDOUN RASHID AL TABARI RADU CRISTIAN DUMITRU NADIM BAWAB FAHHAD SHAFI F ALMASARIR GEORGINA LOUISE RUSSELL ALOK RANJAN MOJUMDER ANTHONY GEOFFREY ESPEJO WAEL MAHMOUD ESBER ILSE CHRISTA EDER OZLEM GUNEY TALAL IBRAHIM KURSANY CHRISTOPHER FRANCIS DAVID - August 2018
MUSED MOHAMMED AHMED ALMUSEDI HASHEM REDA M JAMALALLAIL RENE REDA SHELA DINO DAYRIT LIZAVETA DROZD ABDUL WAHED ABDUL KADIR ALKARAWANI NADA EL ONSI EP YORGKLAUSS SCHAMBACH GER LUVAI ZARIWALA FRAZA KHAN NAUSHAD SYED VLADISLAV RUDAKOV AMRIT SURINDER GOYAL KIMBERLEY REBECCA MARY O GRADY MARSHALL RAKESH GANAPATHY CHEEYABIRA MOGAMAT SERAAJ REGAL - July 2018
NIKOLA KARIC STOJILKOVIC ANNA PETROVA RIAZ AHAMED MAJDI L M DEMAIDI RENTHISH KUNNATHERI QADIR MOIN RINI JAYIN KARANATH KARIM ADEL MOHAMED KAMAL SOLIMAN AISHWARYA BAKTHAVATSALU SUHUDI DIKICI BAYANI TIONG SANTOS RAMY LAHDO BRAHIM TRABELSI AYMAN HASSAN ALI OSMAN MINA ADEL MOUNIR MILAD SHENODA - June 2018
SHAHID AHMED MALIK DWAYNE RICHARD ANDRADE AZIZ NAZAROV DONGYAN MO SHIJU PLAVILA THEKKATHIL GEEVARGHESE ABDULKADER TAYAR DIVYA RAJU RANJIT KUMAR BALAKRISHNAN ALI SABRI BABU SURESH KUMAR VADAKKEY VEETIL KOMAPPAN NOUFAL MANNARKUNNU IRFAN MUHAMMAD ASLAM KAVYA HARILAL CHAIRAT AMARAPORN LILA J HERZALLAH - May 2018
FRANCO DELLA TOFFOLA NAZIN BAGHERYNEJAD SUM WAI KEEI EUAN EASSON NIZAR EDAILI ABDUL BADIE MUNIRI ALEXANDER RIGNALL FAREED ABDUL BELALCAZAR MEHDI MATT PIRAYEH HAMZA JAWAID JAWAID ILYAS WIJAYANTO IRAWAN PREETHIKA KOTIAN HASAN IMTIAZ CHEEMA RAMEZ TEFOUR ARKAN KIWAN - April 2018
MANSOUR KHALID ALRSTAMANI MADIHA ANWAAR ABDULLA ODAH NATHEN JAMES PARKER FATMA K ARUN RAKSHE RADHA MOODLEY HEPSHEEBA BALAIAH SONIA SHERRY JOSEPH FAN ZHANG ANIL SREENIVASAN SALMAN SALEEM WITOLD ABRAMOWICZ ANTOINE ATYEH HUSSEINKAAWAR - March 2018
BASSAM SULIMAN ZAYOUD FAYE LYNDZEY ROMASANTA CUEVAS ZIAAD ASLAM KHAN KHADIJA MUHAMMAD SIDDIQ PRAVEEN PHILIP ABRAHAM NABIL JASSEM ABDULLA ALSHAIKH AMRANE BADAOUI LAILA NABEEL ABDULLA KAMBER STELA SUILS CUESTA BHAGWAN AGARWAL JUBRAN SALEEM ALI ALJAHDARI ARTH ULYSSES VELIGANO GUZMAN OMON DJURAEV FIONA JANE SMITH MARIA LAURA VODA - February 2018
MOHAMMED THANI SAIF MOHAMMED ALFALASI JOVANA KOSTADINOVIC MAREK GUBCO TATYANA TROYAN VIDYA VENUGOPALAN ARRAN HAMILTON SUMMERHILL ALEXANDER EDWARD DENNIS SWORDER AYLA TAWAKKOL MADALINA CRISTINA ROBU RACHA SALHA NAWEL ABDELAZIZ CHINTAN BAKSHI FEEROZ AHMAD KHAN DINESH ITTY THOMAS ANDRE ANTOINNE CHISHOLM MAHDI WARSAME JAMA - January 2018
SMATI SANDRA GHASSAN ABDELRAOUF MAHD AL SAWALHI MUHAMMED ASHEER JIMALE MUHUMED FARAH MARIANA LOBATO DE FARIA S REBELO DE SOUSA AMAR MUKESH THAKER TAYEBA HASSAN LASHKARI ALBALOOSHI SHEHAB GHOLAM MOHAMAD GHOLAM ABHIRAJ THIRUMANAMKUNNATH KALARIKKA SIMI MUNDAMPARAMBIL PRASAD SAJEEVAN KOMARATHAN KOROTH DINA SALEH SALEM ISMAIL BINKHATEM DAVID ADAM DE WIT ZUHAIR HASAN MARHOON ALI RANJEEP SUCHEENDRA BABU - Transaction banking
- Free Entertainer booklet with vouchers worth over AED 50,000
- You will find vouchers for fine dining, hotel stays, leisure and entertainment to enjoy with your friends and family
- Free transaction banking services* worth AED 1,000 every calendar year
- 1 cheque book every calendar year
- 1 demand draft/manager's cheque every calendar month
- Unlimited local and international remittances through online banking and one free at branches every calendar month**
- First 3 Standing Instruction setups
- 10 teller transactions at the Branch every calendar month
- E-statements, SMS alerts
- 5 Free international ATM cash withdrawal above USD 300
*Fair use policy applies; penal charges and regular debit card usage charges are applicable.
** Offer for limited promotional period; beneficiary and correspondent bank charges if any will apply
- Free Entertainer booklet with vouchers worth over AED 50,000
- Debit Cards
Choose from range of Debit cards to make your everyday shopping and payments convenient with high purchase and cash withdrawal limits.
You can also share your card benefits with your loved ones by giving up to 5 Supplementary Debit cards - Credit Cards
With bank cards suited for your lifestyle and needs, you can dine, relax, travel, and shop with fun and ease. And every time you choose your Card, you enjoy a host of privileges and earn extra perks with our rewards program. There are more than 10 different Credit Cards that are designed to meet the diverse needs of UAE residents.
- Personal Loan
Get a beneficial voucher of AED 1,000* for loan amounts between AED 250,000 - AED 500,000 or a voucher of AED 2,000* for loan amounts above AED 500,000.
This offer is valid for 6 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
Terms & Conditions Apply. - Auto Loan
Avail a reward voucher of AED 500* for loan amounts between AED 100,000 - AED 250,000 or a voucher of AED 1,000* for loan amounts above AED 250,000
This offer is valid for 6 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
Terms & Conditions Apply - Home Loan
Get a reward voucher of AED 2,000* for loan ticket between AED1.0 million - AED 3.0 million or a voucher of AED 5,000* for loan ticket above AED 3.0 million
This offer is valid for 6 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
Terms & Conditions Apply - Credit Card & Bancassurance Bundle Offer
Apply for a Skywards or SPG World Master Card or a U By Emaar Visa Credit Card along with a Bancassurance product within a 30 day period, and avail a 50% reversal of the joining fee if monthly premium paid is between USD 250 and USD 499 or 100% reversal of the joining fee if the monthly premium paid is USD 500 or more.
Terms & Conditions Apply
Watch related videos
See how easy it is with the introductory videos. Click here to go to Emirates NBD Official Youtube Channel
Get rewarded with Beyond from Personal Banking
Start your banking relationship with Beyond from Personal Banking
- May 2018
- March 2019
What are people asking?
- How many "Free Standing Instructions" can I setup up as a Beyond customer?
You can enjoy up to 3 "free standing instructions" as a Beyond customer
- How many international ATM cash withdrawal charges be waived off with the Beyond package?
Only 5 International ATM cash withdrawals greater than USD 300 can be waived off with your Beyond package.
- When are the international ATM cash withdrawal charges reversed with the Beyond package?
The charges are reversed in the preceding 1 month from the time of the international ATM cash withdrawal transaction.
- As a Beyond customer how many Teller transactions would be free of cost?
As a Beyond customer you are eligible for 10 free Teller transactions in a month
- As a Beyond customer how many international transactions are allowed?
As a Beyond customer you are eligible for 5 international transactions in a month.
*Maximum of 5 free transactions per calendar year subject to a minimum of USD 300 per transaction.
- How many "Free Standing Instructions" can I setup up as a Beyond customer?
You can enjoy up to 3 "free standing instructions" as a Beyond customer
- How many international ATM cash withdrawal charges be waived off with the Beyond package?
Only 5 International ATM cash withdrawals greater than USD 300 can be waived off with your Beyond package.
- When are the international ATM cash withdrawal charges reversed with the Beyond package?
The charges are reversed in the preceding 1 month from the time of the international ATM cash withdrawal transaction.
- As a Beyond customer how many Teller transactions would be free of cost?
As a Beyond customer you are eligible for 10 free Teller transactions in a month
- As a Beyond customer how many international transactions are allowed?
As a Beyond customer you are eligible for 5 international transactions in a month.
*Maximum of 5 free transactions per calendar year subject to a minimum of USD 300 per transaction.
- With the Beyond package what is the daily cash withdrawal limit on the Visa platinum Debit Card?
As a beyond customer your daily cash withdrawal limit on the Visa Platinum Debit Card is AED 25000
- As a Beyond customer what is the minimum salary transfer requirement?
As a Beyond customer the minimum salary transfer requirement is AED 15000
- What is the minimum balance requirement for a Beyond savings Variant Package?
The minimum balance for a Beyond savings Variant Package is AED 100,000
- When is the relationship maintenance fee applicable for Beyond customers under the Savings Variant Package?
Under the savings variant package, a relationship maintenance fee is applicable when the average balance in the account drops below AED 3,000
- As a Beyond customer how many free cheque books am I eligible for?
As a Beyond customer you are eligible for one cheque book free of charge.
- What are the cheque return charges for a Beyond customer?
For a cheque return a minimal charge of AED 100 will apply to all Beyond customers.
- How many stop payment requests can a Beyond customer make for free?
As a beyond customer you can avail 1 stop payment request every quarter.
- As a Beyond customer am I eligible for free remittance transactions?
As a Beyond customer you are eligible for 1 free local and 1 free international remittance transaction via our Branch, every month.
- As a Beyond customer how many international remittance transactions can I make for free per month via Online Banking?
You can make unlimited local and international remittance transactions for free via our Online Banking per month.
- What is the Debit Card replacement charge for Beyond customers?
The Debit Card replacement charge for Beyond customers is AED 25
- By when do I receive the Entertainer booklet with the Beyond package?
The Entertainer booklet is delivered to you as part of the welcome pack along with your Debit Card and Cheque Book.
- As a Beyond customer how many entries am I eligible for under the Loyalty Rewards Program?
As a beyond Personal Banking customer you get 1 entry per product that you hold with Emirates NBD. E.g. If you have a Salary Transfer account and a Credit Card you will be eligible for 2 entries in the raffle draw per month; while your friend who has a Salary Transfer Account, Credit Card, Auto Loan and an Insurance Plan with Emirates NBD will be eligible for 4 entries per month.
- Under The Beyond Loyalty Program which hotel offers a stay?
The partner hotel which offers a stay as part of the deal under the Beyond Loyalty Program is The Banyan Tree, Ras Al Khaima
- How many vouchers do I receive as part of the Entertainer booklet under the Beyond Package?
As part of the Entertainer booklet a Beyond customer receives vouchers worth over AED 50,000.
- As a Beyond customer how many international transactions are allowed?
As a Beyond customer you are eligible for 5 international transactions in a month.
*Maximum of 5 free transactions per calendar year subject to a minimum of USD 300 per transaction.
- What is the reward voucher I am eligible for if I apply for a Personal Loan under the Beyond package?
Beyond customers are eligible for a Voucher of AED 1,000* for loan amounts between AED 250,000 - AED 500,000 or Voucher of AED 2,000* for loan amounts above AED 500,000
- *Offer valid for 6 months of account opening
- *Offer cannot be combined with any other promotional offer
- *Loan approval is subject to Bank's credit policy
- *voucher must be presented at the time of loan application
- As a Beyond customer if I avail a Personal Loan after 4 months of Salary Transfer, am I eligible for the reward voucher?
Yes, reward voucher is valid for 6 months from the time you initiate the salary transfer, not otherwise.
- What will I get if I applied for a Skywards, SPG or U By Emaar Credit Cards?
If you apply for any of above mentioned Credit Cards along with a Bancassurance product within 30 days period, you can avail a 50% reversal of the joining fee if monthly premium paid is between USD 250 and USD 499 or 100% reversal of the joining fee if monthly premium paid is USD 500 or more.
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