Emirates NBD Credit Card Eligibility

Emirates NBD offers a variety of credit cards in the UAE designed to suit different financial needs and lifestyles. Applicants must meet certain criteria to be qualified for an Emirates NBD credit card. Note that the Emirates NBD credit card eligibility may vary depending on the specific card chosen and its associated benefits and features.

Read on to learn more about different ENBD card requirements, and the factors affecting the eligibility.

Best Emirates NBD Credit Cards in UAE

Table of Content

Why Do Banks Have Eligibility Criteria for Credit Cards?
Emirates NBD Credit Card Eligibility
Documents Required for Obtaining Emirates NBD Credit Cards
Factors Affecting Emirates NBD Credit Card Eligibility Criteria
In a Nutshell
Read More About Salary Based Credit Cards
Other Bank's Credit Card Eligibility
FAQs on Emirates NBD Credit Card Eligibility

Why Do Banks Have Eligibility Criteria for Credit Cards?

Think of credit cards as a gateway to financial freedom—one that requires specific criteria to ensure you can pass through safely!

Here’s a table that summarises the key points about the eligibility criteria for Credit cards:

Aspect	Details
Purpose of Eligibility Criteria	Manage risk and ensure responsible lending
Key factors for assessment	Income Level Employment Status Credit History
Requirements	Minimum salary Stable job Good credit score
Benefits for Banks	Lowers risk of default Ensures sufficient financial resources for repayment
Protection for Customers	Prevents excessive debt by assessing financial capability

Note: This promotes a more stable and sustainable financial system for the banks and the clients.

You must adhere to the following Emirates NBD credit card eligibility to obtain a card:

Eligibility	Criteria
Age	As per the bank’s guidelines, you must be at least 21 years old to be eligible for an ENBD card.
Salary	Each Emirates NBD card has a separate salary criteria. However, the minimum monthly salary required is AED 5,000.
Employment Status	You must be a UAE National or an Expatriate to apply for a credit card at Emirates NBD.
credit Score	Banks assess your profile to determine the minimum credit score required for an Emirates NBD credit card.

Documents Required for Obtaining Emirates NBD Credit Cards

Mentioned below is a document checklist required to apply for an ENBD card in the UAE:

For Salaried Individuals	For Self-Employed Individuals
Emirates ID Passport Residence Visa Salary Certificate Latest 3-6 Months’ Personal Bank Statement Security Cheque Duly Filled Credit Card Application	Emirates ID Passport Residence Visa Trade Licence Latest 3-6 Months’ Company Bank Statement Security Cheque Duly Filled Credit Card Application

Note:

All your documents must be valid and original.
We recommend you keep a copy of each document handy.
Your respective bank may ask for additional document(s).

Factors Affecting Emirates NBD Credit Card Eligibility Criteria

Given below are the key aspects influencing your Emirates NBD credit card eligibility:

Income Level

As mentioned above, Emirates NBD credit card salary eligibility is a crucial metric. This ensures that you have a steady source of income to manage monthly payments. Higher-income levels may have access to premium cards with extensive benefits.

Employment Status

Fixed and stable employment is crucial for credit card eligibility. Emirates NBD prefers you if you have a full-time job, a permanent work contract, or are self-employed, as this reflects financial stability.

Age

Age plays a key role in determining Emirates NBD credit card eligibility. Most banks set a minimum age requirement of 21 years. On the contrary, some banks impose a maximum age limit, usually around 60-65, as older applicants may face a reduced income after retirement.

Debt-to-Income Ratio

The debt-to-income (DTI) ratio plays a crucial role in Emirates NBD credit card eligibility.

Lower DTI = Better financial management = Increased approval chances

Higher DTI = Excessive debt relative to income = Reduced chances (and credit limit)

Note: To get new debt in the UAE, your debt-to-income ratio must not be beyond 50%.

In a Nutshell

Emirates NBD credit card eligibility criteria are assessed by various factors, including income level, employment status, credit score, debt-to-income ratio, and age. These criteria help the bank to determine your financial stability and repayment capacity. It reduces the risk of default.

By evaluating these factors, banks can offer suitable credit limits and tailored benefits. Meeting eligibility requirements not only increases approval chances but also allows you to access your preferred credit card.

Other Bank's Credit Card Eligibility

Top Bank's Credit Card Eligibility
Standard Chartered Credit Card Eligibility	Finance House Credit Card Eligibility
RAKBANK Credit Card Eligibility	DIB Credit Card Eligibility
Citibank Credit Card Eligibility	Emirates Islamic Credit Card Eligibility
CBD Credit Card Eligibility	FAB Credit Card Eligibility
SIB Credit Card Eligibility	HSBC Credit Card Eligibility

FAQs on Emirates NBD Credit Card Eligibility

Ans. You can apply for an Emirates NBD credit card through multiple online and offline ways. When planning to apply online, you can visit our credit cards section, the bank’s website or the online banking portal to apply for an Emirates NBD credit card. On the other hand, you can submit an offline credit card application to one of the bank’s nearest branches.

Ans. You can simply visit the bank’s website or our credit cards section to check your Emirates NBD credit card eligibility. As per the bank, you must be a UAE resident not less than 18 years old and have a good credit score to become eligible for a credit card.

Ans. Even if you have a fixed salary being credited to your account every month, you still need to meet the minimum monthly income criteria of your chosen Emirates NBD credit card. You can contact the help and support team of the bank to check the minimum income criteria of your preferred Emirates NBD credit card.