Emirates NBD Credit Card Cash Withdrawal
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Emirates NBD credit cards are a great financial tool with abundant features and benefits. Besides helping you make online payments on different platforms or merchants, these cards, like your debit cards, also let you withdraw cash from ATMs.
There are certain times when you need cash to make payments and you go cashless. In such situations, credit cards can help you out. However, the Emirates NBD credit card cash withdrawal is not as straightforward as you may believe. You should consider many things, such as withdrawal options, associated charges, and more, before withdrawing cash from the credit card.
Different Ways of Emirates NBD Credit Card Cash Withdrawal
If you’re short on cash, you can use your Emirates NBD credit card to make cash withdrawals. Through the following ways, you can easily get the cash from the credit card in uae:
Through ATMs
It’s the most convenient way to get cash. You can withdraw money from Emirates NBD ATMs (domestic and international) by following these simple steps:
- Visit your nearest Emirates NBD ATM
- Tap ‘Cardless Withdrawal’
- Enter your mobile number
- Enter the withdrawal amount you need
- Click on the ‘Confirm’ button
- You will receive an authentication code on your registered mobile number; enter it and press confirm
- Collect your cash and receipt from the machine
Mobile Banking
- Log in to your mobile banking account on the app or website
- Click on Credit Card and open the list of services under it
- Choose the Cash Advance option
- Select the beneficiary account
- Enter the amount for the cash advance and proceed
- Review the details you have entered. After reading the Terms & Conditions, click on the box to tick
- Enter your Smart Pass PIN to complete your cash withdrawal request
Online Banking
- Enter your details and log in to Online Banking
- Select the ‘Cards’ option and choose credit cards under this
- Click on services underneath the credit card
- Choose the ‘Cash Advance’ option
- Enter the details of the beneficiary’s account and click on ‘Next’
- Tick the terms and conditions box if the entered details are correct
- Fill in the authorization code received on your mobile number
- Open your mobile app and slide to confirm
- Provide your Smart Pass PIN and proceed with your request instantly
Cash Advance on Emirates NBD Credit Card
A cash advance is one of the significant features of an Emirates NBD credit card that allows you to withdraw cash at the bank’s ATM. However, this advanced feature comes with permissible fees and withdrawal limits.
Emirates NBD bank typically charges 3.15% or AED 103.95 as a cash advance fee while withdrawing cash from the credit card.
The cash advance limit is 50% to 75% of your credit limit. You can withdraw 75% of your credit limit with business credit cards and 50% with other Emirates NBD credit cards.
Emirates NBD Credit Card Cash Withdrawal Charges
Emirates NBD credit card cash withdrawal charges and other associated fees are mentioned below:
| Type of Fees | Charges |
|---|---|
| Cash Advance Fee | 3.15% or AED 103.95 (whichever is higher) |
| 0% Installment Plan | AED 51.45 per transaction |
| Cancellation Fee: Installment Plan/Loan on Card/Balance Transfer/Balance Conversion/ALOC/0% IPP | 1.05% of principal outstanding |
| Over Limit Fee | AED 292.95/month |
| Late Payment Fee | AED 241.50/month |
| International Transaction Fee (Non-AED/AED Currency) | 1.99% of the transaction amount |
| Card Replacement Fee: Go4it/Others | AED 52.50/AED 21 |
| Paper Statement Fee | AED 5.25/Monthly |
| Credit Shield Pro Insurance | 1.04%/monthly of the current balance |
| Copy of Sales Voucher | AED 10.50 |
Note: The above-listed fees and charges are subject to change. It’s advisable to check the updated scheduled fees from the official website.
Read More About Salary Based Credit Cards
Frequently Asked Questions
Ans: Yes, Emirates NBD credit cards have features that allow you to withdraw cash from ATMs.
Ans: With a business credit card, you can withdraw 75% of the cash advance of your card limit and 50% with other credit cards.
Ans: Yes, when using an Emirates NBD credit card to withdraw cash from an ATM, you will be charged a Cash Advance Fee of 3% or AED 99 (whichever is more).
Ans: Yes, but you need to report the loss or theft of your credit card to keep yourself safe from any fraud.
Ans: No, cash withdrawals from credit cards don't affect your credit score directly, as they are treated as other card transactions. However, other credit card-associated charges can affect your credit score.
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