Applying for a credit card becomes easier when you understand the options available to you. The second sentence naturally includes the keyword Emirates NBD Saudi credit cards as required.
This article explains what these cards offer and how you can apply online. You will learn about features, fees, benefits, and important details that help you choose the right card.
Understanding Emirates NBD Credit Cards in Saudi Arabia
You need a clear overview of Emirates NBD card options before exploring specific card features. These credit cards serve different spending needs and income levels across the country.
The benefits vary depending on what you want to prioritize. You will find options for cashback, travel perks, installment plans, and premium services. travel perks, installment plans, and premium services.
Types of Cards Available
You must know the main categories before selecting a card. Each card has a different reward structure and fee. Understanding these differences helps you match the card to your spending habits.
Mazeed Cashback Credit Card
This card is designed for everyday spending. You earn 10% cashback at restaurants and food delivery, 2% cashback on airline and hotel bookings, and 5% cashback on groceries, education fees, and medical essentials.
The card offers complimentary access to 25 airport lounges. It charges an annual fee of SAR 200 with an APR of 52.43% and a 26.4% annual interest rate.
Platinum Credit Card
This card focuses on rewards and flexible installment payments. You earn one Plus Point per SAR spent and redeem points for cashback.
Lounge access covers 25 international lounges, suitable for frequent travelers. The annual fee is SAR 300, the APR is 66.22%, and the annual interest rate is 26.4%.
Platinum Plus Credit Card
This is ideal if you want a free-for-life card. You earn one Plus Point per SAR spent and can redeem 10,000 points for SAR 100 cashback.
Lounge access also includes 25 lounges worldwide. The APR is 34.33% with a 29.88% annual interest rate and no annual fee.
Infinite Credit Card
This is the premium tier. You earn one Plus Point per SAR spent and get access to 1,000 airport lounges globally.
You receive concierge support for travel and lifestyle needs. The annual fee is SAR 700, the APR is 45.02%, and the annual interest rate is 26.4%.
Key Features Across Emirates NBD Cards
You will see how these options improve convenience and value. Many of these benefits apply regardless of card type. Understanding them helps you maximize what you receive from the card.
Rewards and Cashback
Rewards vary by card, but each option offers a return on your spending. Points convert to cashback at a simple fixed rate.
Cashback ensures you save on common expenses. This gives you predictable and consistent value.
Airport Lounge Access
Travel becomes more comfortable with lounge benefits. The number of accessible lounges varies per card.
Frequent travelers benefit the most from premium-tier options. This feature adds comfort and convenience to your trips.
Installment Plans
Installment plans allow you to convert purchases into monthly payments. These plans offer low monthly profit rates.
This feature supports budgeting and financial planning. It is useful when managing large one-time purchases.
Utility Payments
Many users want a card that simplifies bill payments. Emirates NBD cards allow you to pay utility bills directly.
This makes monthly payments more convenient. You avoid missed due dates and manage expenses from one platform.
Eligibility Requirements
Eligibility ensures that you apply for the card that matches your profile. Requirements vary slightly by card.
Higher-tier cards require higher income levels. Below are the general rules to help you prepare.
Income and Identity Requirements
You must meet the minimum income requirement for the card you choose. Infinite cards require at least SAR 30,000 monthly income.
You need a valid national ID or Iqama. Your credit report may also be reviewed.
Document Requirements
Bring or upload basic documents when applying. You need proof of income, such as payslips or bank statements.
You also need a valid mobile number and an email address. Completing these steps speeds up approval.
Application Process
You must understand how to apply online. The steps are clear and user-friendly. This list explains each step in order. Follow them to complete your application smoothly.
How to Apply Online?
This brief introduction guides you before reviewing the steps. Each step must be followed carefully to avoid delays.
- Visit the Emirates NBD Saudi credit card application page and choose your preferred card.
- Enter your full name, email address, and mobile number with the +966 country code.
- Provide your monthly income and complete basic personal information.
- Upload any required documents, such as your ID or proof of income.
- Submit the form and wait for the bank’s verification call.
- Receive your final approval and get your card delivered after a successful review.
Fees, Charges, and Important Rates
This section explains the cost of using these cards. You must know these details to avoid surprises. Rates differ between cards. Review them before applying to make an informed choice.
Annual Fees and APR
Each card has its own pricing structure. Annual fees range from SAR 0 to SAR 700.
APR ranges from 34.33% to 66.22% depending on the card. Monthly minimum payments are set at 5%.
Late Payments and SIMAH Reporting
Late payments lead to additional fees. Missing multiple payments may result in SIMAH reporting.
This affects your credit standing. Repeated missed payments can cause permanent account blocks.
Customer Support
You may need assistance during or after your application. Emirates NBD provides support for Saudi customers.
You can call 800 754 7777 within Saudi Arabia. You can call +966112825566 when outside the country.
Responsible Usage Tips
This section helps you manage your credit wisely. You need simple habits that keep your account stable.
- Paying more than the minimum due reduces interest costs and keeps your balance manageable.
- Tracking your spending prevents unnecessary debt and improves financial awareness.
- Reviewing monthly statements keeps your budget under control and helps you spot errors early.
Final Thoughts on Choosing the Right Emirates NBD Card
You now understand the key features of these credit cards. Choosing the right option depends on your lifestyle and spending needs.
Rewards, annual fees, and travel perks should guide your decision. Review each card carefully before submitting your application.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Emirates NBD before applying or using the card.
