Emirates NBD Debit Card

Emirates NBD debit cards provide seamless access to both local and global payment systems. They offer a seamless banking experience, robust protection, and customisable spending controls all while delivering perks based on your lifestyle. 

The bank offers various types, including Classic, Platinum, Signature, and unique team-up editions. You can find many options for regular individuals, learners, business professionals, and locals across the UAE.

Types of Emirates NBD Debit Cards in UAE

Emirates NBD offers a range of cards for different lifestyles, spending needs, and banking conveniences. Each ENBD debit card offers access to global payment networks with added security. Find below more details on the major cards

Visa Platinum Debit Card

This NBD debit card elevates luxury and lifestyle. It brings you exceptional travel benefits, hotel and restaurant discounts, worldwide acceptance, and more. You can enjoy savings of up to AED 4,5000 per year and make secure transactions.

Annual Savings of up to AED 3,950 Defined daily limits for cash withdrawals and purchases Up to 5 free international cash withdrawals

Emirati Visa Signature Debit Card

Exclusively designed for UAE Nationals, this ENBD debit card features an opulent metal design. With this card, you get priority access to 1,000+ airport lounges, global concierge services, ‘Buy 1 Get 1’ cinema perks, savings on local dining, and travel insurance. High cash withdrawal limits and the standards of service in the Emirates NBD tradition round off this luxurious offering.

Save up to AED 14,000 every year Access to more than 1,000 airport lounges worldwide Access to the top 5 golf courses within the UAE  2 for 1 deals on shopping, food, and entertainment

Go4it Visa Gold Debit Card

The Go4it Visa Gold Debit Card is a dual-purpose card that enables everyday spending and use on Dubai's Nol transport network. It can help you save up to AED 2,500 on your transactions in a year. It offers worldwide acceptance at ATMs and merchant channels, advanced security features, and numerous retail purchase rewards.

With the RTA public transport automatic functionality, travel offers, Nol top-ups, and merchant offers, this card provides added convenience for travellers and commuters. 

Save up to AED 2,090 with your purchases Avail of a free ride on The Dubai Ferry for 2 adults and 2 children Use the Emirates NBD debit card plus NOL card for public transports

Manchester United Platinum Debit Card

This ENBD debit card features the same colourful design as the Signature card, but is accessible to a broader audience. Besides offering discounts at select outlets and invitations to fan activities, it provides daily banking convenience, enhanced security, and access to a vast network of merchants.

Create memorable fan moments and avail yourself an opportunity to witness exclusive Manchester United experiences Get exclusive discounts on restaurants and deals on the visit to The Theatre of Dreams Save up to AED 4,350 on your purchases

Manchester United Signature Debit Card

An exclusive offering for Manchester United loyalists, this card presents opportunities for club-related experiences, card art, discounts at themed venues, and elite lifestyle privileges. It also gives you access to travel insurance, entertainment discounts, concierge services, 1,000+ airport lounges, and high transaction limits. This ENBD card is fit for every dedicated fan with an active lifestyle.

Create memorable fan moments and avail an opportunity to witness exclusive Manchester experiences Unlimited access to over 1,000 international airport lounges Get exclusive discounts on restaurants and deals on the visit to The Theatre of Dreams

Visa Classic Debit Card

A flagship product in the Emirates NBD debit card family, this card enables contactless chip and online payments worldwide. Security in everyday banking, promotional offers from local merchants, preset transaction/withdrawal limits, and compliance with Visa's security standards are some additional benefits for cardholders.

Contactless payment Great discounts on spas, restaurants, and leisure avenues Additional security for all retail transactions

Visa Infinite Debit Card

Designed for a premium experience, this card offers global airport lounge access (at more than 1,000 airports), travel & medical insurance, priority assistance, and globally accepted merchant access. Additional privileges include discounts on select spends, purchase protection, and a suite of luxury travel benefits.

Save up to AED 14,500 annually Attractive discounts on restaurants, leisure avenues, and spas Complimentary access to over 1,000 airport lounges across 300 international cities via LoungeKey Additional security on all retail transactions

Visa Platinum Debit Card

This card emphasises protection and global acceptance, offering worldwide access, enhanced insurance features, high transaction limits, and more.

Exclusive Emirates NBD debit card for ladies Set daily limits on cash withdrawals and purchases 2-for-1 deals on travel, entertainment, leisure, and health and lifestyle Save up to AED 3,950 annually

Visa Signature Business Debit Card

Designed for individual entrepreneurs and SME clients, this NBD debit card offers the added convenience of expense management. It provides benefits such as lounge access through the Visa Airport Companion App, insurance, and exclusive business rewards and support available 24/7.

Unlimited access to 25 international airport lounges Access to the top 6 golf courses across the UAE Global concierge services available

 

Visa Platinum Business Debit Card

 

This card emphasises protection and global acceptance, offering worldwide access, enhanced insurance features, high transaction limits, and more.

Worldwide card acceptance to travel carefree Included travel medical insurance Enhanced security on debit card

Emirates NBD Debit Card Requirements for Eligibility

The eligibility requirements for Emirates NBD debit cards depend on the type of account held, your profile, the submission of required documents, and more. Here are some general guidelines regarding the same -

• Account Package: Must maintain a qualifying Emirates NBD account (Classic, Plus, Youth, Executive, Priority, Private Banking)
• Nationality: Cards like the Emirati Signature are only for UAE nationals
• Type of Business: Business cards issued against eligible corporate accounts
• Age Limit: The majority of personal cards require a minimum age of 21 for applicants (with a few exceptions, such as youth/student cards)
• Residency: UAE residency is usually required, although some cards can be provided to non-residents upon verification of their passports

Package Linking: 

• Classic: Visa Classic
• Plus: Platinum or Go4it
• Youth: Platinum or Go4it
• Priority: Signature/Infinite or Emirates-specific cards

How to Apply for Emirates NBD Debit Cards in UAE?

Wondering how to apply for Emirates NBD debit card online or offline? It’s important to note that you get a card whenever you open an account with the bank. The card that you get, as mentioned earlier, depends on the type of account. 

To open an Emirates NBD bank account, you can head to the bank’s official website. Choose an account as per your preferences and eligibility requirements, and apply for it. You can also go to the page of your favourite card and select the option to open - this will take you to the account opening page itself. 

Note: If you want a card other than the one that you got with your account, you can directly connect with the bank.

Documents for ENBD Debit Cards

As mentioned earlier, you get a card when you open an account. However, you can also get any other card if you want different features and perks. To apply, you need 

• Emirates ID
• Passport (if applicable) 

You can head to your nearest NBD branch with these documents. You can also dial +971 600 54 0000

How to Activate an Emirates NBD Debit Card?

Activating your Emirates NBD debit card is a secure, multi-step process designed to maximise convenience. You can find numerous methods for activating it. This process is necessary before you can use the card - PIN setup is mandatory before you start withdrawing cash through ATMs or making purchases. 

Let’s explore all the modes for activation -

1. Mobile Banking Application

You can easily activate your NBD debit card through the bank’s official mobile app (ENBD X). Here are the steps for the same — 

• Download and log into the app 
• Select your card in the 'Cards' section 
• Enter card details as prompted, mainly the expiry date 
• Make your new card PIN and confirm it through your Smart Pass authentication
• You will get the confirmation on your screen 

2. Online Banking Portal
Besides mobile banking, this is also a good option for those seeking banking at their fingertips -

• Visit Emirates NBD's official website 
• Log into your account and go to the card/account management dashboard
• Select your debit card and choose the 'Activate' option 
• Enter the necessary details, create your new PIN, and confirm with your Smart Pass

The notification for confirmation will appear on your screen. 

3. ATM Activation

For those who prefer physical banking channels, ATMs are a reliable way to activate your NBD debit card. Here are the steps for the same -

• Insert your new or replacement card into any Emirates NBD ATM 
• Select the option to activate the card from the menu 
• Enter the OTP (authentication code) sent to your registered mobile number
• Select and confirm your new 4-digit PIN 
• Your card will be activated instantly for withdrawals and purchases 

4. SMS Banking

SMS activation is another straightforward method if you wish to enable your ENBD debit card without internet access. 

• From your registered mobile number, text ‘ACT’ to 4459 
• You will get a callback from the Emirates NBD call centre (+971 4 316 0505)
• Follow automated instructions to enter the required card details, then set your new PIN
• Activation completes during the call, and you can use the card immediately

5. Call Centre/Phone Banking

If you prefer personal assistance, you can also activate your Emirates NBD debit card through the bank’s call centre. This method is especially useful for new customers or those facing technical issues.

• Contact Emirates NBD's customer support at +971 600 54 0000
• Choose card activation in the menu
• Enter your card number and the authentication code received by SMS
• Set your new PIN and finalise the process with operator guidance
• The card is activated and ready for all transactions

How to Change Emirates NBD ATM Card PIN?

You can also change your Emirates NBD debit card PIN through the following channels. It’s good to know the steps so that you can immediately take action if you lose your card or think its security is compromised. 

• Log into your account through the Emirates NBD app. Select your card and go to settings, then choose the option to change PIN. Confirm it using your Smart Pass code.
• With online banking, the process is the same. Select your card, choose the option to change PIN, set a new one, and verify it online.
• You can also go to your nearest Emirates NBD ATM. In this case, enter your card, select ‘PIN Change’ under ‘Other Services’. Next, enter your current PIN and set a new one.
• For SMS or phone banking, this option is available only if your PIN is lost or locked. Regular PIN updates must be done through the app, online banking, or an ATM.

What are the ENBD Debit Card Cash Limits?

The Emirates NBD withdrawal limit per day varies by the type of card and the banking package. This ensures flexibility and safety. Here is an overview of the applicable limits for the major cards -

Debit Card	Daily Cash Withdrawal Limit	Daily Purchase Limit
Visa Classic	AED 20,000	AED 45,000
Go4it Visa Gold/Platinum	AED 15,000	AED 45,000
Manchester United Platinum	AED 25,000	AED 50,000
Manchester United Signature	N/A	AED 125,000
Visa Platinum	AED 25,000	AED 100,000
Visa Platinum Card for Ladies	AED 25,000	AED 75,000
Emirati Visa Signature	AED 70,000	AED 150,000
Visa Infinite	AED 105,000	AED 150,000
Visa Platinum Business	AED 100,000	AED 125,000
Visa Signature Business	AED 150,000	AED 125,000
Emirati Visa Signature Business	AED 150,000	AED 125,000
Visa Infinite Business	AED 150,000	AED 300,000

Youth Packages: Withdrawal/Purchase Limit: AED 10,000 each

Fee Charges of NBD Debit Cards in UAE

Just like other types of cards, debit cards also have their own set of fees and charges. While a few charges may vary as per the type of card that you choose, most remain similar across different cards. Here are the key Emirates NBD debit card fees and charges -

Type of Fee	Charges
Annual Fee	Free
Debit Card Replacement	AED 26.25
Sales Voucher Copy	AED 26.25
International Delivery	AED 157.5
Replacing PIN	Free
International Transaction Fee	1.99%
Emirates NBD ATM Usage (Withdrawal/Deposit)	Free
Mini-statement/Balance Enquiry	Free

Note that Emirates NBD debit card international charges, replacement fees, and supplementary card costs are generally consistent across most cards. However, all limits and fees are subject to change. Thus, it’s best to review the latest Schedule of Charges before applying or using your card.

How to Check Emirates NBD Debit Card Balance?

Since your NBD debit card is linked to your ENBD account, you cannot check the balance of your card. Rather, you can check your account’s balance through various modes. You can visit an ATM nearby or use any of mobile, phone, online, or SMS banking for the same.

Read More: Emirates NBD Balance Check in UAE

What to Do If Your Emirates NBD Debit Card is Lost?

Immediate action is significant if you lose your NBD debit card. With timely action, you can freeze your card and save your account from fraudulent transactions. Here’s what you need to do if your card is lost or stolen -

• Contact Centre: Report immediately to get your card blocked. You can order a replacement during the same call.
• Mobile/Online Banking: Instantly block the card temporarily. If required, you can also ask for reissue.
• In Person: Visit any Emirates NBD branch near you and make a request to block the card.

FAQs About Emirates NBD Debit Cards