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Thank you for providing your details.Emirates NBD Visa Flexi Credit Card
Visa Flexi Credit Card
Features
- Minimum Salary Requirement: AED 12,000
- Annual Fee: No annual fees under the current exclusive offer
- Interest Rate: 3.25% per month
- Minimum Payment: 5% of the outstanding balance or AED 100 (whichever is higher)
- Interest-Free Period: Up to 55 days on retail purchases, fees, and charges
- Rewards Program (Plus Points):
- 1.5 Points for every AED 100 retail spend
- 0.4 Points per AED 100 on supermarket, grocery, insurance, and car dealership spends
- 0.2 Points per AED 100 on fuel, utilities, real estate, and education payments
- Plus Points earning cap applies per statement cycle
- Payment Options: Apple Pay, Samsung Pay, Google Pay, and Garmin Pay for secure contactless payments
- Insurance: Free protection on big-ticket purchases
- Credit Shield Pro (Optional):
- Monthly fee: 0.99% of outstanding balance
- Life cover: Up to AED 300,000
- Hospitalization benefit: AED 100/day
- Job loss cover: Up to AED 60,000 for 12 months
Required Documents
- Completed credit card application form
- Original Emirates ID + copy, with passport copy
- Latest salary certificate (for salaried applicants)
- Trade license (for self-employed applicants or non-individuals)
- Latest 3 months’ bank statements (original or mini ATM statements)
- Security cheque (as per bank policy)
Main Benefits
- Customizable Flexi Benefits:
- Choose up to 6 benefits across Travel, Lifestyle, and Entertainment categories
- Benefits can be updated once every 12 months
- Travel Benefits (Pick 3 of 5):
- Airport Lounge Access: Complimentary entry to 900+ lounges worldwide
- Airport Transfers: Free rides to and from UAE airports
- Flight Delay Lounge: Access during unexpected flight delays
- Global Blue VIP Services: Hassle-free VAT refunds on international shopping
- eSIM Global Data Roaming: Complimentary 3GB international data
- Lifestyle Benefits (Pick 2 of 4):
- Concierge Services: 24/7 assistance for travel, dining, and lifestyle needs
- Golf Privileges: Complimentary rounds at UAE golf courses
- Careem Credit: Discounts on rides, food delivery, and groceries
- SupperClub Dining Membership: 12 months premium dining access
- Entertainment Benefits (Pick 1 of 3):
- Anghami Plus: 6 months free music streaming
- VOX Cinemas: Discounts on THEATRE and 4DX experiences
- StarzPlay: 3 months complimentary subscription for movies, series, and sports
- Reward Unlocks Based on International Spend:
- Spend AED 20,000 → 2 lounge visits
- Spend AED 40,000 → 4 lounge visits
- Spend AED 60,000 → 6 lounge visits
- Default Benefits (if not selected within 30 days):
- Golf Privileges
- Careem discounts
- Global Blue VAT refund
- Flight Delay Lounge access
- 3GB eSIM Global Data
- VOX Cinemas offers
Frequently Asked Questions
Q. How is Visa Flexi different from the standard Platinum card?
A. Allows you to customize benefits across Travel, Lifestyle, and Entertainment based on your priorities.
Q. Is there a spend requirement to enjoy selected benefits?
A. Some benefits, such as airport lounge access, depend on international spend. Others are fully active once chosen.
Q. Can I change my benefits anytime?
A. No. Benefits can only be updated after 12 months from selection.
Q. What if I don’t select benefits within 30 days?
A. Default perks are automatically activated as listed above.
Q. Do supplementary cardholders get benefits?
A. Yes, they receive the same benefits as the primary cardholder.
Q. When do benefits start?
A. Once registration and selection are completed via the Emirates NBD Flexi portal.
Q. What makes this card different?
A. You can personalize it by choosing 6 benefits across travel, lifestyle, and entertainment.
Q. Is there a minimum spend requirement?
A. Yes. If you spend less than AED 5,000 per month, each benefit you use will cost AED 99.
Q. Are there limits on benefits?
A. Some benefits have annual caps or conditions. Details are available on the Visa portal.
Q. What if I can’t redeem a benefit?
A. You should contact the benefit provider directly via the Visa portal.
Q. When do my benefits start?
A. Your chosen benefits are activated within 24 hours of selection.
Q. Can supplementary cardholders choose benefits?
A. Yes. Each supplementary cardholder can select their own set of 6 benefits.
Q. How do I redeem my benefits?
A. Follow the redemption process listed on the Visa portal for each benefit.
Get in touch with Emirates NBD Customer Care
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