Classic Credit Card
Whether you're a graduate starting out on your first job or newlyweds beginning your life together, the NBF Classic Credit Card is the best credit card to help you take the first step towards making your dreams a reality and to elevate your overall personal banking experience.
Product Features
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0% instalment plan
Convert your transactions into manageable monthly payments and enjoy 0% interest rates on Easy Payment Plans.
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Balance transfer facility
Transfer your outstanding credit card balance from any card to NBF and avail of special promotional interest rate and repayment period options from three to 24 months.
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EZ draft facility
Get access to additional funds for any unexpected expenses and get up to 70% of your credit limit transferred into your account and flexible repayment options starting from three months.
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Global acceptability
- Withdraw instant cash at over 840,000 ATMs worldwide
- Withdraw cash over the counter at any NBF branch
- Worldwide card acceptance at over 20 million establishments
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Cash advance facility
You can withdraw up to 40% of your available credit limit at any ATM across the globe that accepts Visa. Cash can also be withdrawn over the counter at other banks worldwide.
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Supplementary card
Give your family members NBF supplementary credit cards and let them enjoy all the benefits of our exclusive rewards programme. You can have up to four credit cards issued to family members who are over 18 years of age.
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Foreign transactions
When you use your NBF credit card abroad, the transaction amount is converted from the transaction currency to US dollars, based on the prevailing international exchange rate on that date. In order to assist our cardholders, all transactions are converted back to AED for payment.
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Direct debit facility
Enjoy the convenience and flexibility of making minimum or 100% payments as specified on your monthly statements via your NBF account.
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Mobile banking/SMS alert services
For your security and to keep you up to date with your finances, you will receive free SMS alerts for:
- All your NBF credit card transactions
- Your payment due date reminders
- Payments made towards servicing your credit card
- Issued card statements
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Cashback on movie tickets
Enjoy 60% cashback on movie tickets at VOX, Roxy and Reel cinemas. Get a maximum of AED 150 cashback per statement cycle.
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Other exclusive promotions
Visit our Offers & Promotions page to find out more about Visa dining, travel and entertainment offers worldwide.
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Chip & PIN and Visa payWave
To enhance your safety, NBF’s credit cards are chip & PIN and Visa payWave enabled. Enjoy enhanced security and the convenience of a ‘tap to pay’ feature to speed up payment on transactions upto AED 300.
Terms and conditions apply.
Required Documents
You can apply for an NBF Credit Card if you are over 21 years of age, earning a salary and residing in any of the emirates within the UAE.
You will also need to be the holder of an NBF Current Account and have your salary transferred to NBF. Alternatively, you can have an NBF Fixed Deposit (terms and conditions apply).
An application for an NBF Credit Card needs to be accompanied by the following documents:
- A copy of your valid passport
- A copy of your valid residency visa (for expatriates)
- A certified copy of your valid Emirates ID
- Signed credit card application form (along with AECB etc.)
- Repayment cheque for 120% of the approved credit limit
- A copy of your current dated salary certificate (less than 30 days old)
Required Documents
You can apply for an NBF Credit Card if you are over 21 years of age, earning a salary and residing in any of the emirates within the UAE.
You will also need to be the holder of an NBF Current Account and have your salary transferred to NBF. Alternatively, you can have an NBF Fixed Deposit (terms and conditions apply).
An application for an NBF Credit Card needs to be accompanied by the following documents:
- A copy of your valid passport
- A copy of your valid residency visa (for expatriates)
- A certified copy of your valid Emirates ID
- Signed credit card application form (along with AECB etc.)
- Repayment cheque for 120% of the approved credit limit
- A copy of your current dated salary certificate (less than 30 days old)
Rates and Charges
| Interest rate |
2.99% per month |
|---|---|
| Cash advance fee | 4% of advanced amount or AED 50 (whichever is higher) |
| Foreign currency transaction fee | 2.5% |
| Cash withdrawal limit | 40% of card limit |
Offers & Promotions
Frequently Asked Questions
How and where can I use my NBF credit card?
You can use your NBF credit card across the UAE as well as globally for any transactions at retail merchant outlets.
What annual fee do I have to pay as a credit cardholder?
Please refer to the Schedule of Charges for more details
What determines my credit card limit?
Credit limits vary on a case by case basis depending on various criteria such as your salary, card type requested etc.
Will my supplementary card have its own credit limit?
Credit card limits for any supplementary credit cards are shared with that of the primary card (i.e. they form part of the primary credit card limit).
What benefits do I enjoy as a supplementary cardholder?
A supplementary cardholder enjoys the same benefits as the primary cardholder.
Do I have to clear my entire outstanding balance at the end of each month?
The minimum amount you have to pay is AED 100 or 5% of the outstanding balance on your credit card, whichever is higher.
How do I make my monthly repayments?
Your monthly repayments to NBF can be via cash, cheque or through an debit order instruction from your NBF account whenever your monthly salary is received.
What is NBF’s Easy Payment Plan?
NBF's Easy Payment Plan is a system allowing you to pay off an item you have purchased in fixed amounts at specified intervals. In other words, it allows you to "buy now and pay later".
When you use your NBF credit card, you have the option of having the transaction converted into fixed instalments which you will repay for a certain number of months.
To find out more, please read our easy payment plan FAQs.
What is a balance transfer?
A balance transfer is a banking term used to describe the act of moving money from one bank account to another. This is commonly done when changing or removing accounts.
In terms of credit cards, it refers to the outstanding amount on one bank credit card which is transferred to another credit card.
Read our FAQs to find out more about the benefits of transferring your card balance to NBF.
What is EZ Draft / Cash on Call?
With NBF's EZ Draft / Cash on Call, the available limit on your credit card can be transferred to you by way of a cheque, draft or account transfer. You could also use it to make a payment to a retail merchant who doesn't accept payments by credit card (or charges additional fees for payments made by credit card).
To find out more about NBF's EZ draft / Cash on Call facility, please read our FAQs.
