NBAD GEMS Titanium Credit Card

Enjoy up to 7% discount on school fees at GEMS Schools

NBAD GEMS Titanium Credit Card

Take advantage of the UAE’s first dedicated education credit card

Highlights

  • Earn 1.5 NBAD Stars for every AED 1 spent
  • Up to 7% discount on advance payment of GEMS school fees
  • Lifestyle benefits including movies from AED 10 & access to Fitness First clubs

We know you want the best for your children. That’s why we’ve partnered with GEMS Schools to bring you discounts on fees and more for the whole family.

Enjoy your family time with our amazing partner offers at entertainment centres across the UAE, but first, see how much you save on schools.

Eligibility

  • Your child/children must be enrolled in one of the GEMS Schools in UAE 

Required documents

  • 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

We may, on a case by case basis, request additional information.

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
 60% of Credit Limit
Cash Advance Fee (% of withdrawal amount)  3% of the amount of cash obtained, with a minimum of 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
Easy Payment 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
Easy
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

International Helpline

+971 2 635 8001

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