Classic Credit Card

Earn NBAD Stars with this free for life card

Classic Credit Card

Earn rewards and enjoy discounts across the UAE

Highlights

  • No annual fees free for life
  • Earn 1 NBAD Star for every AED 1 spent
  • Free purchase protection of up to USD 10,000

Manage your finances better and enjoy a range of rewards and offers with the Classic Credit Card

NBAD no longer issue the Classic Credit Card and the information shown here is for existing customers only

Put yourself in control of your spending with our Classic Credit Card, which comes with rewards, retailer discounts and an extended interest-free payment period.

Eligibility

  • A minimum salary of AED 5,000 per month if you are an existing NBAD salary transfer customer
  • A minimum salary of AED 6,000 per month for all other customers

Required documents

If your salary is paid into an NBAD bank account, you will need:

  • Completed and signed branch application form
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
  • Security cheque can be a UAE bank cheque from the customer or a dummy cheque provided by the bank
  • If you would like our customer care team to contact you please complete the online Credit Card Application Form

If your salary is NOT paid into an NBAD account, you will need following additional documents in addition to the above mentioned documents:

  • Your latest bank statement
  • A salary certificate, pay slip or labour contract

If you’re self-employed, you’ll need:

  • Proof of owner or directorship
  • Power of Attorney if applicable
  • Completed and signed branch application form
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
  • Your 3 most recent bank statements for your business and personal accounts
  • Etisalat or Du bill of the company including a copy of a utility bill or statement
  • Security cheque can be a UAE bank cheque from the customer or a dummy cheque provided by the bank

Fees and charges

Schedule Fees  
Principal Annual Fee               
Free for life                 
Supplementary Annual Fee   Free for life
Retail Interest Rate* 3.25% p.m
Cash Advance Interest
Rate
3.50% p.m
Cash Advance Limit   40% of Credit Limit
Cash Advance Fee (% of withdrawal amount)
3% of the amount of cash obtained, with a  minimumof AED 100 per transaction
International Transaction Charges 2.95% p.m.
Choice of Monthly Payment 5% to 100% of outstanding
Minimum Monthly Payment
 
5% of outstanding balance or AED 100  (whichever is higher)  
Late Payment Fees AED 275 per month
Over Limit Fees AED 275 per month
Credit Shield Plus  Charged per month at 0.85% of outstanding
(maximum AED 1,700)
Statement Reprint Charges   AED 25 per statement  
Copies of Transaction Slip    AED 25 per transaction slip
Cheque Returned Fee   AED 200  
Card delivery via Branch   AED 50  
Card delivery via Courier No fee
Grace Period – Retail
Purchases
Up to 56 days on purchases (if amount outstanding is settled in full on or before the due date)
Grace Period – Cash
None
Card Replacement Fee   No fee
Card Payment at Al Ansari
No fee


*If the outstanding amount is not paid in full on or before the due date, interest will be charged on the amount outstanding from the transaction date. For any queries or billing information simply call us on 600 56 6223, or visit any NBAD branch. NBAD reserves the right to change its card pricing at any time.
 

Balance transfer

3 Months 6 Months 9 Months 12 Months 18 Months 24 Months 36 Months
Interest rate      
    NA   0.00%   0.90%   0.80%   0.70%    0.60%      NA
Processing fee      
    NA   2.00%   0.00%   0.00%   0.00%    0.00%      NA
Cancelation fee: AED 150 + remaining period interest
Easy cash (EC) 3 Months 6 Months 9 Months 12 Months 18 Months 24 Months 36 Months
Interest rate      
  0.90%   0.00%    0.90%   0.90%    0.80%    0.80%      NA
Processing fee       -    4.00%       -        -        -        -      NA
Early settlement fee: AED 150 + remaining period interest

 

Plan on transactions
3 Months 6 Months 9 Months 12 Months 18 Months 24 Months 36 Months
Interest Rate
   
  1.1%
  ***
   1.1%
   ***
   1.20%      1.20%    1.20%    1.10%    1.10%
Early settlement fee: AED 150
***For selected customers, subject to approval
Payment Plan on balance 3 Months 6 Months 9 Months 12 Months 18 Months 24 Months 36 Months
Interest Rate
   1.00%   1.00%   1.00%   0.90%   0.80%   0.70%      NA
Early settlement fee: AED 250 + remaining period interest
For selected customers, subject to approval
Interest rate: 0%
Cancelation fee: AED 150
For transactions at selected partner merchants

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Ways to Apply

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UAE Helpline

600 56 6223

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+971 2 635 8001

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