Gold Credit Card

The flexible, convenient way to shop

Gold Credit Card

Convenience and spending power

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

With free purchase protection insurance and a choice of Visa or MasterCard, the Gold Credit Card offers you flexibility and convenience every time you shop.

Make the most of a world of special privileges including dining and shopping offers and more, all with no annual fee

Eligibility

  • Salary in excess of AED 5,000 per month or more

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:

  • 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 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

Discover NBAD products to suit you

View our wide range of credit cards, accounts and exclusive services designed to help you get more for your money.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

600 56 6223

International Helpline

+971 2 635 8001

Email Us

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