Welcome to a world of privileges with the NBAD Elite Gold Current Account
Enjoy superior banking with free international remittances, exclusive lounge access and more.
With an NBAD Elite Gold Current Account, you will have high daily withdrawal limits, free unlimited ATM withdrawals in the UAE, and earn NBAD Stars for extra rewards.
An NBAD Elite Gold Current Account* gives you access to the highest levels of service, with Elite Gold Lounges in selected branches and much more.
- Multi-currency accounts with no minimum balance requirement
- Lifeline overdraft facility** with a maximum limit of up to 3 times your salary or up to AED 250,000
- Free unlimited cheque books
*Terms and conditions apply.
**Subject to bank approval.
Debit Card features
Access your money and shop easily wherever you are with our free NBAD Elite Gold MasterCard World Debit Card.
- High daily ATM cash withdrawals (up to AED 25,000) and purchase limits (up to AED 40,000)
- Free cash withdrawals from all ATMs in the UAE
- Free international and GCC ATM cash withdrawals (up to 4 per month)
- Access to exclusive benefits and preferential treatment allowing World MasterCard cardholders to move seamlessly across the world to experience the best it has to offer.
Rewards and offers
See all the great rewards and offers that come with your card.
- Earn NBAD Stars on AED NBAD Elite Gold Current Account balances, i.e. 1 NBAD Star for every AED 100 average monthly balance, up to a maximum of 100,000 NBAD Stars per month. Ensure that the account balance does not drop below AED 100,000 on any day during the month to ensure that Stars are earned for that month; the higher the average balance, the more NBAD Stars can be earned.
- Earn 0.75 NBAD Stars on every purchase with the NBAD MasterCard World Debit Card
- Redeem NBAD Stars for Etihad Guest Miles, Emirates Skywards Miles, or book tickets on any airline through the NBAD Stars Travel Portal.
- NBAD Stars can also be redeemed for the NBAD Stars Card, which is accepted as a payment method wherever the VISA sign is displayed.
- Indulge and experience exclusive lifestyle rewards through our NBAD MasterCard World Debit Card, for details, please click here.
Note: For Joint Account Holders, NBAD Stars earned based on the average balance will be equally divided across all joint holders of the account.
- Start with an initial minimum deposit of AED 100,000 (Deposit balance should reach AED 370,000 within six months) OR Salary transfer of a minimum AED 75,000 OR Mortgage of AED 5 Million OR Insurance policy of USD 2000 per month.
- Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
- Salary certificate
Note: Additional documents may be required depending on case-by-case basis at the sole discretion of the Bank
Fees and charges
|1||Minimum Balance requirement||Daily||NIL|
|2||Initial Deposit* (for non-salaried customers)||Per Account||AED 100,000|
|3||Account Monthly Charges||Monthly||Free|
|4||Low Balance Charge||Monthly||Free|
|5||Account Closure Fee (if closed within 1 year of opening)||Per request||AED 50|
|6||Statement of Account||Per cycle
||Free within the agreed cycle, AED 25 outside the cycle|
|7||Teller Charge (A/c to A/c transfer, cash withdrawal cash deposit, cheque deposit, etc.)||Per item||8 free per month, AED 10 afterwards|
|8||Utility payment (at branch)||Per item||AED 10|
|9||Interest on debit balance||Monthly minimum charge||18% p.a. (min AED 175 p.m)|
|10||Processing Fee for Overdraft||At set-up||AED 200|
|11||Release (Clearance) Letter||Per request||AED 50|
|B.||Funds Transfer Fee|
|1||By Demand Draft, Payment Order through Central Bank (postage included)||Per payment||AED 25|
|2||By means of SWIFT Transfer in Foreign Currency||Per payment||AED 100/- for AUD, EUR, USD and
AED 80/- for remaining currencies
|3||Within NBAD branches||Per payment||NIL|
|4||By Manager Cheque||Per item||AED 30|
|C.||Standing Instructions Fee|
|1||Standing Instructions Establishment Fee||Per request||NIL|
|2||Amendment Fee (excl. requests to defer/postpone payment)||Per request||AED 25|
|3||Standing Order favouring charity organisation within UAE||Per payment||NIL|
|1||First Cheque Book (at time of account opening)||Per account||Free|
|2||Cheque Book delivery Fee||Per item||Free**|
|3||Cheque Collection Fees||Per item||Free|
|4||Undelivered Cheque Book destroyed||Per item||AED 50|
|5||Returned Cheque Fees (when deposited into your account)||Per item||NIL|
|6||Returned Cheque Fees (when drawn on your account)||Per item||AED 100|
|7||Stop Payment Instructions (cheque)||Per item||AED 50|
|8||Special Clearing of Non-NBAD Cheques||Per item||AED 100|
|E.||Elite Gold MasterCard World Debit Card|
|1||Issuing Fee (for primary card)||Per item||Free|
|2||Issuing Fee (for supplementary card)||Per item||Free|
|3||Replacement for Lost/Stolen Card||Per item||Free|
|4||Cash withdrawal fees on NBAD & Non-NBAD ATMs in UAE||Per transaction||Free|
|5||Cash withdrawal fee on GCC Switch ATMs***||Per transaction||AED 6 + 2% of transaction amount as FX charges|
|6||Cash withdrawal fee on International ATMs***||Per transaction||AED 15 or 2.5% of withdrawn amount whichever is higher + 2% of transaction amount as FX charges|
|7||Balance Enquiry on NBAD ATMs in the UAE||Per request||Free|
|8||Balance Enquiry on Non-NBAD ATMs in the UAE||Per request||AED 1|
|9||Declined Transaction on Non-NBAD ATMs in the UAE||Per transaction||AED 1|
|10||Balance Enquiry on GCC Net ATMs||Per request||AED 3|
|11||Uncollected Card destroyed by Bank||Per item||NIL|
|12||Copy of sales slip||Per request||AED 25|
*Initial deposit can be placed in any NBAD Elite Gold Product i.e. Elite Gold Current Account or Elite Gold Savings Account or Real Madrid Elite Gold Current Account or Fixed Deposit or Call Account.
**AED 50 charge applicable for instant cheque book delivery and third party delivery option respectively.
***Free international and GCC ATM cash withdrawals (4 per month).
#1 free international remittance per month (AED Accounts only).
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