National Bank of Umm Al Qaiwain NBQ Infinite
National Bank of Umm Al Qaiwain NBQ Infinite is a UAE credit card with bank-specific benefits. Bank invitation required. Its published minimum monthly salary is AED 30,000. The listed annual fee is AED 1,050. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.9/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge 2.6145%; scheme charges may apply
Explore all National Bank of Umm Al Qaiwain cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 30,000
- Annual fee
- AED 1,050
- Bank FX charge
- 2.6145%; scheme fees may apply
- Monthly interest rate
- 2.49%
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
AED 1,050 including 5% VAT; current retail tariff quotes AED 1,000 before VAT. No first-year or renewal waiver established.
Bank invitation requiredInvitation only; AED 30,000+ income in the KFS does not establish an open application path. Age 21+, UAE residence, minimum one year employment with a government, semi-government or accepted private employer. Salary transfer is not mandatory. Self-employed and deposit-backed criteria differ.
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 model rate | Category cap / month | Below-gate rate |
|---|
Why this card has no annual AED forecast
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Published earning rates, known fees and bank conditions remain available in this review.
Check National Bank of Umm Al Qaiwain'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.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
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 NBQ Visa Infinite Credit Card
NBQ Visa Infinite Credit Card
Dirham Score 2.9/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge 2.6145%; scheme charges may apply
AED 1,050 including 5% VAT; current retail tariff quotes AED 1,000 before VAT. No first-year or renewal waiver established.
Bank invitation requiredInvitation only; AED 30,000+ income in the KFS does not establish an open application path. Age 21+, UAE residence, minimum one year employment with a government, semi-government or accepted private employer. Salary transfer is not mandatory. Self-employed and deposit-backed criteria differ.
View breakdown
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Calculation assumptionsRewards, fees & important conditions
Read the full NBQ Visa Infinite Credit Card review and fee maths
No cinema benefit verified. · Official page advertises Priority Pass access to over 1,300 lounges. Complimentary visit count, guest entitlement and activation conditions are not established; confirm before travelling.
Monthly interest rate: 2.49%. Bank FX charge: 2.6145%.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
The 4 February 2026 retail tariff states fees exclude 5% VAT. Monthly interest is 2.49%; KFS annual rate is 29.88%.
Bank FX fee is 2.49% before VAT (2.6145% including VAT), in addition to Visa processing charges described as approximately 1.15% in the KFS. Actual exchange and scheme costs may vary.
No standard ongoing reward rate or current cashback campaign has been established; no annual reward forecast is assigned.
A 120% security cheque may be required, or a 100%-covered fixed deposit for deposit-backed cards.
Official bank source · checked 2026-10-24Retail fee schedule effective 4 February 2026
Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Official page advertises Priority Pass access to over 1,300 lounges. Complimentary visit count, guest entitlement and activation conditions are not established; confirm before travelling.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The 4 February 2026 retail tariff states fees exclude 5% VAT. Monthly interest is 2.49%; KFS annual rate is 29.88%.
- Bank FX fee is 2.49% before VAT (2.6145% including VAT), in addition to Visa processing charges described as approximately 1.15% in the KFS. Actual exchange and scheme costs may vary.
- No standard ongoing reward rate or current cashback campaign has been established; no annual reward forecast is assigned.
- A 120% security cheque may be required, or a 100%-covered fixed deposit for deposit-backed cards.
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.
Premier Credit Card
HSBC · minimum salary AED 40,000
Compare NBQ Visa Infinite Credit Card with Premier Credit CardSolitaire Credit Card
Mashreq · minimum salary AED 25,000
Compare NBQ Visa Infinite Credit Card with Solitaire Credit CardCash+ Credit Card
HSBC · minimum salary AED 30,000
Compare NBQ Visa Infinite Credit Card with Cash+ Credit CardNational Bank of Umm Al Qaiwain NBQ Infinite FAQs
What salary do you need for National Bank of Umm Al Qaiwain NBQ Infinite?
The published minimum monthly salary is AED 30,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for National Bank of Umm Al Qaiwain NBQ Infinite?
The listed annual fee is AED 1,050. AED 1,050 including 5% VAT; current retail tariff quotes AED 1,000 before VAT. No first-year or renewal waiver established.
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
- NBQ Visa Infinite Credit Card official product terms
- National Bank of Umm Al Qaiwain: Official product page
- National Bank of Umm Al Qaiwain: Credit card KFS
- National Bank of Umm Al Qaiwain: Retail fee schedule effective 4 February 2026
- NBQ Visa Infinite 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.