Emirates NBD Flexi
Emirates NBD Flexi is a UAE credit card with ENBD Plus Points rewards. Its published minimum monthly salary is AED 12,000. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 4.2/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Perk activation and qualifying conditions apply
Explore all Emirates NBD cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 12,000
- Annual fee
- AED 0
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- Confirm with bank
- Reward programme
- ENBD Plus Points
- Salary transfer required
- No published requirement
Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
Published minimum monthly salary AED 12,000. Bank approval, employer and documentation criteria apply.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Eligible general retail | 1.5 Plus Points per AED 100 | 2,000 Plus Points per statement | Lower-rate categories apply. |
| Supermarkets, groceries, insurance and vehicle dealers | 0.4 Plus Points per AED 100 | 2,000 Plus Points per statement | Merchant classification applies. |
| Fuel, utilities, real estate and education | 0.2 Plus Points per AED 100 | 2,000 Plus Points per statement | Merchant classification applies. |
Why this card has no annual AED forecast
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Published earning rates, known fees and bank conditions remain available in this review.
Check Emirates NBD's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Emirates NBD Visa Flexi Credit Card
Emirates NBD Visa Flexi Credit Card
Dirham Score 4.2/560% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Perk activation and qualifying conditions apply
Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
Published minimum monthly salary AED 12,000. Bank approval, employer and documentation criteria apply.
View breakdown
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Calculation assumptionsRewards, fees & important conditions
Read the full Emirates NBD Visa Flexi Credit Card review and fee maths
VOX THEATRE and 4DX discounts are one selectable Entertainment benefit. Choose 1 of 3 Entertainment benefits; not an automatic buy-one-get-one entitlement. · 900+ lounge access is one selectable Travel benefit. Choose 3 of 5 Travel benefits; access is subject to selecting it and the applicable admission conditions.
Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.
No annual forecast: the complete current earning exclusions, redemption rules and applicable product fee treatment are not yet represented in the calculator.
Plus Points are a reward currency. Merchant, cashback and airline redemptions can have different values. Published point rates are not treated as guaranteed cash returns.
Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
Choose 3 Travel, 2 Lifestyle and 1 Entertainment benefits. Golf is a selectable Lifestyle perk; not every advertised benefit is included simultaneously.
The current offer explicitly waives joining and annual fees. The page quotes 3.25% monthly interest, but the applicable issued KFS must resolve differences with general tariff rates. The borrowing-rate field remains unconfirmed.
Official bank source · checked 2026-10-24Official Visa Flexi Credit Card product page
Official Plus Points earning and statement caps
Official credit card key facts statement
Exact product variant artwork from the official bank catalogue/product page. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: 900+ lounge access is one selectable Travel benefit. Choose 3 of 5 Travel benefits; access is subject to selecting it and the applicable admission conditions.
- Cinema: VOX THEATRE and 4DX discounts are one selectable Entertainment benefit. Choose 1 of 3 Entertainment benefits; not an automatic buy-one-get-one entitlement.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Plus Points are a reward currency. Merchant, cashback and airline redemptions can have different values. Published point rates are not treated as guaranteed cash returns.
- Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
- Choose 3 Travel, 2 Lifestyle and 1 Entertainment benefits. Golf is a selectable Lifestyle perk; not every advertised benefit is included simultaneously.
- The current offer explicitly waives joining and annual fees. The page quotes 3.25% monthly interest, but the applicable issued KFS must resolve differences with general tariff rates. The borrowing-rate field remains unconfirmed.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic · minimum salary AED 12,000
Compare Emirates NBD Visa Flexi Credit Card with Emirates Islamic Cashback Plus Credit CardHSBC Live+ Credit Card
HSBC · minimum salary AED 12,500
Compare Emirates NBD Visa Flexi Credit Card with HSBC Live+ Credit CardConsumer Cashback Platinum Card
DIB · minimum salary AED 15,000
Compare Emirates NBD Visa Flexi Credit Card with Consumer Cashback Platinum CardEmirates NBD Flexi FAQs
What salary do you need for Emirates NBD Flexi?
The published minimum monthly salary is AED 12,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for Emirates NBD Flexi?
The listed annual fee is AED 0. Current advertised no-annual-fee offer; duration and issued terms must be confirmed. This is not labelled free for life.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Emirates NBD Visa Flexi Credit Card official product terms
- Emirates NBD: Official Visa Flexi Credit Card product page
- Emirates NBD: Official Plus Points earning and statement caps
- Emirates NBD: Official credit card key facts statement
- Emirates NBD Visa Flexi Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.