Spend & Win Up to AED 20,000 Cashback

Valid until 30 November 2026

Save More. Earn More Chances to Win

TEST

With NBF Spend & Win, every eligible card transaction could win you cashback rewards. The more you spend, the more chances to win.

You can also earn additional entries by increasing and maintaining higher balances in your NBF Current or Savings Account during the campaign period.

How to Earn Entries

Credit Card Spend

  • Earn 1 entry for every cumulative AED 1,000 spent on local transactions.
  • Earn 2 entries for every cumulative AED 1,000 spent on international transactions.


Debit Card Spend

  • Earn 1 entry for every qualifying debit card transaction of AED 2,000 or more.


Save More. Earn More Chances to Win

Eligible NBF Current and Savings Account customers can also earn additional entries into the final draw by increasing and maintaining higher account balances throughout the campaign period.

For every AED 50,000 increase in your average account balance compared to your balance on 31 August 2026, you will earn 1 additional entry, up to a maximum of 20 entries.

Example:
If your average balance increases by AED 500,000 during the campaign period, you’ll earn 10 entries into the final draw.  


Draw Dates & Prizes

Draw 1 | 15 October 2026

Based on qualifying transactions made between 1 September and 30 September 2026.

  • 5 winners × AED 2,000 cashback
  • 15 winners × AED 1,000 cashback
  • 15 winners × AED 500 cashback  


Draw 2 | 19 November 2026

Based on qualifying transactions made between 1 October and 31 October 2026.

  • 5 winners × AED 2,000 cashback
  • 15 winners × AED 1,000 cashback
  • 15 winners × AED 500 cashback  


Grand Draw | 17 December 2026

Based on qualifying transactions made between 1 November and 30 November 2026, plus eligible Current and Savings Account customers.

  • 5 winners × AED 20,000 cashback
  • 10 winners × AED 2,000 cashback
  • 10 winners × AED 1,000 cashback
  • 10 winners × AED 500 cashback  


Winners will be announced within seven days of each draw.

The more you spend and save, the more chances to win.

Terms and conditions apply.

Key Offer Details

  • Open to eligible NBF Retail Credit Cardholders, Debit Cardholders and Current & Savings Account customers, including Conventional and Islamic customers.
  • New and existing NBF customers can participate.
  • Spend on both primary and supplementary credit cards counts towards qualifying spend.
  • Current and Savings Account balances are calculated across all eligible accounts held by the same customer.  
  • Cashback prizes will be credited within seven working days after each draw.


Important Conditions

  • Only posted and settled transactions qualify.
  • Pending, reversed, refunded, disputed or cancelled transactions will not be considered.
  • Government transactions, cash withdrawals, cash advances, fees and charges are excluded.
  • Current and Savings Account entries are calculated based on the increase in your average balance compared to your balance on 31 August 2026.
  • Your account or card must remain active and in good standing at the time prizes are awarded.

Relevant Links

  1. Each monthly draw will be based on qualifying transactions made during the applicable monthly qualifying period.
  2. The draw will be conducted on the draw dates published as part of the Campaign, following completion of the Bank’s eligibility and transaction validation process.
  3. All winners shall be selected through a random electronic draw conducted under the supervision of the Bank and in accordance with applicable regulatory requirements. The Bank decision regarding the selection and determination of winners shall be final and binding.
  4. Customers who meet the applicable qualifying requirements during each monthly qualifying period may be eligible to participate in and be selected as a winner in each respective draw. There is no restriction on a customer being selected as a winner in more than one draw during the Campaign Period, provided the applicable eligibility and qualifying requirements are met for each respective draw.
  5. Each eligible customer may win only one (1) prize on each draw date.
  6. The Bank may select reserve winners in the event that a selected winner is subsequently found to be ineligible or cannot be contacted within the specified period.
  7. Spends made on both Primary and Supplementary Credit Cards will be considered for the calculation of qualifying spends.
  8. The transaction posting date will be considered for validating qualifying card transactions.
  9. Transactions that are pending, on hold, reversed, refunded, disputed, or have not been claimed or settled by the merchant will not be considered. The Campaign excludes government transactions, purchase reversals, refunds, customer disputes, cash withdrawals/cash advances, and fees and charges.
  10. Any misuse of the NBF Card to effect fictitious transactions through POS terminals at merchant outlets or through other means shall not qualify for the Cashback/prize. The Bank may, at its sole discretion, add to or remove from the list of exceptions. The Bank’s decision as to what constitutes an eligible transaction shall be final, conclusive, and binding.
  11. The Bank’s records shall be used as the primary source for determining qualifying transactions, eligibility, Cashback, and Campaign entries, subject to applicable law and regulatory requirements.
  12. Cashback/prizes will be credited to the qualifying customer’s eligible NBF account/card within seven (7) working days after the respective draw.
  13. The cashback amount will be credited in accordance with the applicable prize tier.
  14. For CASA customers, the applicable prize will be credited to the eligible NBF account held by the winning customer.
  15. Cashback or draw entries are not transferable, exchangeable, or redeemable for any other product or service.
  16. The Bank may contact winners using the contact details available in its records. Customers are responsible for maintaining accurate and up-to-date contact information with the Bank. If a winner is found to be ineligible or cannot be contacted, the Bank reserves the right to withdraw, cancel, or reallocate the prize in accordance with its internal procedures.
  17. The Bank will not be responsible for a customer’s failure to receive Campaign communications due to outdated or incorrect contact information.
  18. To receive any prize or Cashback, the customer’s account and/or card must be active, valid, and in good standing at the time of winner selection and prize crediting. The Bank reserves the right to withhold or cancel any prize where the account or card has been closed, blocked, delinquent, restricted, or is otherwise not in good standing.
  19. Employees and staff of NBF or any subsidiary of NBF are eligible to participate in the offer.
  20. The NBF Cashback offer is valid for personal use only. In the event that the NBF Card is used for business purposes, the Bank reserves the right to withdraw any Cashback awarded, suspend the NBF Card and/or report the matter to the relevant authorities.
  21. If, in the Bank’s sole judgment, the Bank considers that the Cardholder has in any way violated the terms and conditions applicable to the NBF Credit or Debit Card, the Bank may, at its sole discretion, suspend, disqualify, cancel and/or reverse any Cashback earned, upon intimation to the Cardholder.
  22. NBF will not be liable for any financial loss or damage resulting from refusal to allow participation in the promotion, withdrawal of the promotion, or failure or inability to use the promotion for any reason.
  23. NBF reserves the right, at its sole discretion, to amend, modify, vary, cancel, suspend, withdraw, or supplement this promotion and/or these Terms and Conditions at any time, with prior notice to the Bank’s customers, where applicable, without incurring any liability on the part of the Bank, its employees, or entities.
  24. NBF also reserves the right to disqualify any customer from the promotion at any time, without prior notice, if the customer is found to have breached these Terms and Conditions or engaged in any fraudulent, abusive, or improper activity in connection with the promotion.
  25. In the event of any discrepancy between the Campaign promotional material and these Terms and Conditions, the final approved Campaign Terms and Conditions published on the National Bank of Fujairah’s website shall prevail, subject to applicable regulatory requirements.
  26. Please refer to the applicable card/account Terms and Conditions for more details.
  27. These Terms and Conditions shall be governed by and construed in accordance with the applicable laws of the United Arab Emirates and, where applicable, the relevant Sharia principles governing Islamic products and services.
  28. Prize eligibility and payment shall remain subject to applicable laws, regulations, sanctions requirements, anti-money laundering requirements, and the Bank’s internal compliance policies and procedures.
  29. Nothing in these Terms and Conditions shall exclude or restrict any liability which cannot be excluded under applicable law. Subject thereto, the Bank shall not be liable for any indirect, consequential, incidental, or special loss arising from participation in this Campaign.
  30. Customers who have any queries, concerns or complaints relating to this Campaign may contact NBF through its official customer service and complaint channels. Any complaint received in connection with this Campaign will be handled in accordance with the Bank’s Complaint Handling Policy and applicable regulatory requirements.
  31. Employees and staff of NBF or any subsidiary of NBF are eligible to participate in the Campaign.
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