How to Activate Emirates NBD Credit Card?

Using an Emirates NBD credit card is not possible unless it is activated and a secure PIN is created. The cardholder must first complete the authentication process and then generate a confidential Personal Identification Number (PIN). Until the PIN is successfully set, the card will remain inactive for ATM withdrawals, point-of-sale (POS) payments, and online transactions. To activate Emirates NBD credit card, you must use the bank’s official channels, which ensure proper verification and compliance with regulatory requirements. ...read more

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How to Activate an Emirates NBD Credit Card Online

Online and Mobile Banking are the most convenient and secure methods to activate an Emirates NBD credit card. The steps for Emirates NBD Credit Card activation online are given below: 

Through Internet Banking

  1. Log in to the Emirates NBD Online Banking portal using your valid credentials
  2. On the home screen, choose the credit card you want to activate and click on the Activate tab
  3. Enter the expiration date and click on the Next button
  4. Set and confirm the new card PIN  and submit the same
  5. You will receive an authorisation alert on the mobile app to proceed with the request. Open the app and slide to confirm
  6. Enter your Smart Pass PIN

Through Mobile Banking

There are two possible navigation paths in the official mobile banking app (ENBD X):

Via Services Menu

  1. Register or log in to ENBD X.
  2. Tap “Services,” then choose “Credit Card” → “Activate Credit Card.” 
  3. Select the newly received credit card, enter the expiry date, then choose and confirm a 4-digit PIN.

Via Cards/Products Section

  1. Open the app and navigate to the “Cards” section.
  2. Tap on the credit-card image, choose “Activate”, then enter the expiry date and set a PIN.
  3. Confirm that the card becomes active.

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How to Activate an Emirates NBD Credit Card Offline

The Emirates NBD credit card activation methods enable you to activate your credit cards easily without engaging online or using the mobile app. These offline methods for activating an NBD credit card are -

Via SMS or Phone Banking

  1. Send the SMS text “ACT” through the mobile number already recorded with Emirates NBD to 4459.
  2. The bank will then call back (the number is +971 431 605 05).
  3. Get ready with the last 6 digits of the card number. Then follow the voice instructions, give the details needed, and then select and confirm a new PIN.

Via ATM or CDM

  1. Go to the nearest Emirates NBD ATM or Cash Deposit Machine.
  2. Put in the credit card. A message should appear on the screen asking if the user wants to activate the card in case it is not activated.
  3. Click on the “Activate Card” option.
  4. The bank will send an authentication code or OTP to the mobile number registered with them. Type it in when asked.
  5. Create a new 4-digit PIN and complete the card activation.

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Common Issues and Troubleshooting During Activation

After Emirates NBD card activation online, errors can occur during the process, which are related to authentication, system response, or customer details. The problems that occur because of incorrect inputs, outdated registered information, or temporary technical faults. Some common issues are - 

  • The card will not be activated if the expiry date or OTP/authentication code is wrong. In such a case, try to follow the activation method chosen again.
  • The OTP will not be sent if the registered mobile number is outdated or if the number is no longer accessible. Mobile numbers can be updated through Online/Mobile Banking or by calling the support line of the bank (+971 600 540000).
  • If the card was previously blocked or deactivated (e.g., due to suspected fraud), it will have to be unblocked through Online/Mobile Banking or phone support before the activation can be successful.
  • Activation through ATM or CDM can be unsuccessful when the machine is not functioning. Use a different ATM/CDM or opt for Online/Mobile Banking instead.

Tips for Securing Your Emirates NBD Credit Card PIN

Emirates NBD points out that having strong PIN security is an effective means of protecting credit card transactions across different channels, which are ATM, POS, and online. If clients implement even just the simple ones, the risk of unauthorised access or fraud will be greatly reduced. Thus, practising these tips will keep the card secure from the time it gets activated.

  1. Opt for a random 4-digit PIN that is not related to the date of birth, anniversaries, etc., or made up of the same digit repeated.
  2. The PIN should be remembered rather than written down or stored on the computer in an unencrypted way.
  3. When using ATMs or POS machines, always shield the keypad with your hand to stop shoulder-surfing.
  4. Don't ever let anyone know the PIN; even the Emirates NBD personnel or phone banking operators don’t ask for the full PIN in any case.
  5. If anything suspicious happens, or if one loses their card or it gets stolen, quickly block or disable the card using Online/Mobile Banking or through phone support.

Conclusion

Emirates NBD credit card activation is an easy task and can be done through multiple authorised methods, such as Internet Banking, the ENBD X mobile app, SMS, ATMs, CDMs, and Phone Banking. Activation and PIN generation to make the card available for use for ATM withdrawals, POS purchases, and online transactions.

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FAQs

Q1: What should be done if the authentication SMS/OTP does not arrive?

Ans: If the registered mobile number is incorrect, inactive, or out of network coverage, the OTP cannot be delivered. The number must be updated through Online or Mobile Banking, or support can be requested by calling +971 600 540000.

Q2: Can phone banking be an option for credit card activation?

Ans: It is possible. Emirates NBD permits activation via Phone Banking, which is an automated service of the bank when the customer calls from the registered mobile number to +971 600 540000.

Q3: Is the card activation mandatory for using the card?

Ans: The card activation process is mandatory for the Emirates NBD card. The card associated with Emirates NBD will be inactive until the completion of the activation process and PIN generation. The new card will not be able to perform ATM withdrawals, POS transactions, and online payments without the activation process being done.

Q4: After the card activation, it is stated that the card will be immediately usable. Is that correct?

Ans: Yes. The moment the activation is confirmed and the PIN is set, the card will become active right away and can be used for all kinds of transactions, i.e., ATM, POS, and online, without any waiting period.

Q5: Is it possible for a CDM (Cash Deposit Machine) to be used as a method of activating the card?

Ans: Yes. Emirates NBD provides card activation through ATMs and CDMs. The user needs to insert the card and follow the prompts on the screen to finish the activation and set the PIN.

Atul Yadav

Atul Yadav

Content Writer

Atul has had a flair for writing ever since he started writing essays in school, which inspired him to subsequently opt for a career in writing. He loves to write about places he's been to (the list is endless) and financial products that can help people make a real change in planning their finances better.

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