Go4itCreditCardTermsConditions PDF

Credit Cards
Credit Cards Terms & Conditions

for Go4it Credit Card
Effective November 2011
Emirates NBD PJSC Credit Cards Terms and Conditions
In consideration of Emirates NBD PJSC (hereinafter called the “Bank”) agreeing to issue and make available to the Cardholder
(as hereinafter defined) a Credit Card at the Cardholder’s request, the Cardholder hereby agrees to the following Terms and
Conditions in addition to any Terms and Conditions, if any, set forth in the completed Credit Card application form and/
or approval letter and any other relevant document (hereinafter referred to collectively as the Terms and Conditions). The
Cardholder hereby agrees and acknowledges that these Terms and Conditions are in addition to the Bank General Terms and
Conditions of Accounts and Banking Services and shall be read in conjunction with it whenever applicable.
These Terms and Conditions set forth herein applied on each and every Credit Card issued by the Bank to the Cardholder
and/or the Supplementary Cardholder and shall govern each and every transaction conducted by the Credit Card and the
relationship between, the Bank and the Cardholder and/or Supplementary Cardholder.
Words importing only the singular shall include the plural number and vice versa. Where there is more than one applicant
signing the Credit Card application, reference to single Cardholder shall be reference to both Cardholders.
The words importing male shall include female and vice versa, words importing person shall include a sole proprietor,
partnership, firm, company, corporation or any other entity. The heading of the clauses herein shall not be taken into
consideration on the interpretation of these Terms and Conditions.
Reference to these Terms and Conditions shall be understood to be reference to the Terms and Conditions contained in the
Credit Card completed application form and any Terms and Conditions stated in the application form, letter of approval and/
or any other document.
These Terms and Conditions constitute an integral part of the Credit Card application form and any document related to the
Credit Card signed or acknowledged by the Cardholder and/or the Supplementary Cardholder.
The Cardholder signature on the Card and the Credit Card application form and conducting of any transaction through the
Credit Card shall constitute an acceptance to these Terms and Conditions as amended from time to time and updated on the
website www.emiratesnbd.com/cards
1. DEFINITIONS
In these Terms and Conditions where the context so admits the following expressions shall have the meanings herein
designated unless the context otherwise requires:
Account means the Cardholder’s Current, Savings or Deposit Bank Account opened with the Bank at any time under any
name whether singly or jointly or any bank account opened and maintained with any other banks.
ATM means Automated Teller Machines which allow the Cardholder to make Card Transactions.
Bank means Emirates NBD PJSC and its successors and legal assigns.
Page 2 > Emirates NBD > Personal Banking

Card Account means Emirates NBD PJSC Credit Card Account opened by the Bank for the purpose of entering all credits
and debits received or incurred by the Primary Cardholder and the Supplementary Cardholder, if any, under these Terms and
Conditions and includes, without limitation, all debts incurred resulting from any Cash Advances and/or Charges and/or
liabilities arising out of or in connection with any Credit Card Transaction or otherwise.
Card or Credit Card means any physical or virtual Credit Card issued by the Bank to the Cardholder which allows him to
make Card Transactions (as hereinafter defined) which includes Primary, Supplementary and Replacement Cards irrespective
of the Card, brand, name or scheme.
Card Transaction means any Cash Advance made by the Cardholder or the amount charged by the Bank or any Merchant
for any goods, services, benefits, or reservation obtained by the use of the Card(s) or the Card number(s) or the PIN/TIN or in
any other manner including, without limitation, mail, telephone or facsimile orders, internet and online orders regardless of
whether a sales slip or Cash Advance or other voucher or form is signed by the Cardholder.
Cardholder means any person, natural or artificial (i.e. company or any other legal entity) for whose favor the Bank issued a
Credit Card which includes the Primary Cardholder and any Supplementary Cardholder.
Cash Advance means any amount obtained by the use of the Card, the Card number or the PIN or in any manner authorized
by the Cardholder from the Bank or any other bank or financial institutions or ATM displaying the VISA/MasterCard scheme
logo and/or any other logo.
Cash Advance Fee means the fee charged to the Card Account on each Cash Advance transaction as specified in the Credit
Card service and price guide/schedule of fees and Charges or as determined by the Bank subject to the Bank’s sole discretion
and subject to changes from time to time and updated on the website www.emiratesnbd.com/cards
Charges means all and any purchases charged and all amounts payable by the Cardholder arising from the issue or use of
the Card and/or all and any purchases charged by use of the Card number or the PIN/TIN and includes, without limitation, all
Card Transactions, Fees, Charges, Finance Charges, Expenses, Damages, Legal Costs and Disbursements.
Credit Limit means the maximum debit balance permitted by the Bank for the Card Account for the Primary Card and
Supplementary Card and, notified to the Primary Cardholder from time to time.
Current Balance means the total outstanding balance on the Card Account payable to the Bank according to the Bank’s
records on the date the Statement of Account is issued including all charges.
Direct Debit means the Standing Instruction provided by the Cardholder to the Bank to debit the Cardholder’s Savings/
Current Account with the Bank for a specified percentage of the Total Payment Due each month.
E-Statements/Email Statements means the Statement of Account sent by the Bank to the Primary Cardholder’s email
address provided by the Primary Cardholder to the Bank for the purpose of receiving communication from the Bank including,
but not limited to, Statement of Account.
Emtirates NBD > Personal Banking > Page 3

Finance Charges means the charges billed to the Card Account if the Total Amount Due of the previous month’s Statement
of Account is not paid in full by the Payment Due Date noted in the Statement of Account. Finance Charges will be applicable
on the Total Amount Due as noted in the previous month’s Statement of Account as well as on all new transactions (from the
respective transaction date) till such time as the total outstanding amounts are paid in full including all Finance Charges and
fees levied on the Card Account. Finance Charges are always applicable on all Cash Advance transactions and the fees and
charges are applicable thereon from the date of the Cash Advance transaction until the date of repayment in full. Finance
Charges will be billed to the Card Account if the Total Amount Due is not paid by the Payment Due Date even if the minimum
amount due has been paid by the Payment Due Date. Finance Charges are subject to increase by a percentage as determined
by the Bank at its sole discretion from time to time in case the Cardholder is one or more payments overdue. Original Finance
Charge rates may be reinstated solely at the Bank’s discretion when all overdue payments have been made.
Foreign Currency Transaction Fee means the currency conversion fee charged to the Card Account for all transactions incurred
outside United Arab Emirates (UAE). All such transactions are converted to UAE Dirhams at the Bank’s prevailing exchange rate
on the date the amount was posted to the Card Account rather than the date the Card was used.
Guarantee means any guarantee or security provided by the Cardholder or any third party in a form acceptable to the Bank
as a security for the performance of the Cardholder obligations relating to the Credit Card.
Interactive Voice Response (IVR) means equipment, devices and/or the system which provides electronic access to the
Cardholder to carry out certain transactions on the Card including, but not limited to enquiries on the Card Account balance
and Card Transactions.
Late Payment Fee means the fee charged or levied to the Card Account if the Minimum Payment Due is not received by the
Payment Due Date.
Merchant means any retail outlet, person or corporate entity supplying goods and/or services who accepts the Card of the
Cardholder as a means of payment or reservation by the Card.
Minimum Payment Due means the amount the Cardholder needs to pay on or before the Payment Due Date to avoid any
Late Payment Fees. The minimum amount to be paid every month includes 5% of the Current Balance (excluding installments
and Credit Shield Charges), installment billed in the current month, Credit Shield billed, over limit amount, past due amounts
and all fees and charges.
Month means calendar month according to the Gregorian calendar.
Over Limit Fee means the fee charged to the Card Account, if at any time during a billing cycle, the Current Balance in the
Card Account exceeds the Credit Limit assigned. Such fee will be charged once during the billing cycle.
Payment Due Date means the date specified in the Statement of Account by which payment of the Total Payment Due or
at least the Minimum Payment Due is to be received by the Bank and posted to the Card Account to keep the Card Account
in good standing.

PIN means the Personal Identification Number issued to the Cardholder to enable the Card to be used at an ATM and/or other
authorized terminals for a Cash Advance or any Card Transaction and on the IVR of the Bank.
Primary Card means a Card belonging to a Primary Cardholder.
Primary Cardholder means a person other than a Supplementary Cardholder who is issued a Primary Card and for whom
the Card Account is first opened and issued by the Bank.
Purchase means a Card Transaction other than a Cash Advance.
Statement Date means the date on which the Statement of Account is generated and printed for dispatch to the Cardholder
at the address registered with the Bank as on the date of generation of the Statement of Account.
Statement of Account means the monthly or other periodic statement of the Card Account sent to the Primary Cardholder
showing the particulars of the Current Balance incurred by the Primary Cardholder and the Supplementary Cardholder, if any,
which are due and payable to the Bank.
Supplementary Card means a Card belonging to a Supplementary Cardholder.
Supplementary Cardholder means the person who has been issued a Supplementary Card by the Bank, at the request of
the Primary Cardholder.
Terminal means any terminal, device or point of sale through which Card Transactions or payment by the use of the Card
can be performed.
Total Payment Due means the total amount outstanding on the Card as on the Statement Date which may not include the
installment plan (if any) which will be billed in the future months.
2. THE TERMS OF ISSUING THE CARD

2.1. As a conditional precedent for approving any application to issue a Card, the Bank may, at its absolute discretion,
require the applicant/Cardholder to provide a Guarantee acceptable to the Bank such as and without limitation, a
cheque and/or pledge and/or assign a cash deposit and/or a Bank Guarantee and/or any other form of security in favor
of the Bank for any amount determined by the Bank. The Bank shall maintain this Guarantee as long as there is any
obligation or Current Balance on the Card Account. Notwithstanding what is stated in this clause the Bank reserves
the right to decline any application submitted by the Cardholder for issuance of a Card without assigning any reason
whatsoever and no further correspondence will be entertained in this regard.
2.2. The Cardholder or the Guarantor acknowledges and agrees that the Bank shall continue to maintain this Guarantee
for a period not less than forty five days from the date of cancelling the Card, whether such cancellation is determined
by the Bank or at the request of the Cardholder.

2.3. The Bank at its absolute discretion shall set a Credit Limit to the Card and may notify the Cardholder accordingly. The Bank
reserves the right to reduce or change the Card Credit Limit at any time without notifying the Cardholder.
2.4. The Card shall be valid for the period specified on the Card and the same can be used within the validity period only.
2.5. The Card may be collected from the Bank by the Cardholder or sent by post, or delivered to the address notified by the
Cardholder to the Bank at his own risk and responsibility.
2.6. The Bank reserves the right to change the Card designs and scheme at any time without prior notice to the Cardholder.
2.7. The Card will remain at all times the property of the Bank and must be surrendered to the Bank immediately upon the
Bank’s or its duly authorized agent’s request.
3. THE TERMS OF USING THE CARD

3.1. The Cardholder may receive from the Bank, subject to the Bank’s sole discretion, either a non-activated Card or a pre-
activated Card.
3.2. In the event that the Cardholder is provided a non-activated Card, the following shall apply. Upon receipt of the Card,
the Cardholder shall call the Bank at the number specified by the Bank in order to activate the Card. The Cardholder
shall identify himself and advise of his Card number and any other confidential information that the Bank may require.
The Bank may, at its sole discretion, initiate a call to the Cardholder on the contact numbers registered by the Cardholder
with the Bank in order to enable the Cardholder to activate the Card. The Cardholder’s telephone call to the Bank or
the Bank’s call to the Cardholder resulting in activation of the Card is proof of delivery and shall constitute binding and
conclusive evidence of the Cardholder’s receipt of the Card and acceptance of these Terms and Conditions.
3.3. In the event that the Cardholder receives a pre-activated Card, the following shall apply. The Cardholder may use the
Card without the need to call the Bank or taking any other action with the Bank. The Cardholder’s usage of the Card shall
constitute binding and conclusive evidence of the Cardholder’s acceptance of these Terms and Conditions.
3.4. Upon receipt of the Card, the Cardholder shall sign on the reverse of the Card. In the event that the Cardholder does
not wish to be bound by these Terms and Conditions, the Cardholder shall cut the Card in half and return both halves
to the Bank (either by delivery or pre-paid post). The Cardholder should also call the Bank at the number specified on
the reverse of the Card to notify cancellation of the Card membership and thereafter clauses under Section 12 will
apply and should be complied with.
3.5. The Cardholder acknowledges and agrees to use the Card within the Credit Limit and until the expiry date embossed
on the Card surface.
3.6. Notwithstanding that the Credit Limit has not been used by the Cardholder, the Bank reserves the absolute right and
without notice to the Cardholder to withdraw, restrict and cancel the Credit Limit on the Card.

3.7. The Card issued by the Bank pursuant to these Terms and Conditions and subject to the Bank’s sole discretion can be
used - without limitation - for the following transactions:
a) The payment of any purchase of goods or services which payment may be charged to the Card Account
b) Any ATM transaction effected through the use of the Card
c) Cash Advances as set out under General Terms and Conditions; and/or
d) Any other facilities, subject to pre-arrangement with the Bank, and in accordance with the Terms and
Conditions specified by the Bank
3.8. Where an ATM transaction has been incorporated in the Card, the Cardholder shall be responsible for all transactions
whether processed with the Cardholder’s knowledge or by his express or implied authority. The Cardholder hereby
authorizes the Bank to debit his Card Account with the amount of any withdrawal in accordance with the record of
transaction. The Cardholder accepts the record of transaction as conclusive and binding evidence for all purposes.
3.9. If a transaction disputed by the Cardholder is subsequently proven to have been originated by him or her, the Bank
reserves the right to bill the Card Account the principal amount with Finance Charges thereon from the date the
transaction took place.
3.10. The amount of any transaction originated in a currency other than the Card currency shall be converted to the Card
currency at the rate of exchange determined by the Bank for the date when the relevant transaction is debited to the Card
Account. Such transaction may also be subject to a currency conversion fee determined by the Bank at its sole discretion.
3.11. The Cardholder agrees and undertakes to stay within the prescribed Credit Limit assigned/established by the Bank for
the Cardholder unless prior approval to exceed the Credit Limit is obtained by the Cardholder from the Bank. The Bank
shall unilaterally and solely have the right to determine, increase or reduce the Credit Limit and/or waive the Credit
Limit fully or partially. The Cardholder further undertakes not to affect any Card Transaction which may cause the
Current Balance on the Card Account to exceed such Credit Limit. If in contravention of this provision, the Cardholder
exceeds the Credit Limit the Cardholder shall, in addition to the Current Balance, pay to the Bank, upon demand by
the Bank, the full sum by which the Credit Limit is exceeded and all related fees associated with exceeding the Credit
Limit. In the event of a failure by the Cardholder to pay to the Bank the full sum demanded as aforesaid, the Current
Balance on the Card Account shall become immediately due and payable.
3.12. The Credit Card issued under these Terms and Conditions is intended for personal use to conduct retail transactions.
Use of the Card for commercial transactions (any transaction other than personal retail transactions) shall not entitle the
Cardholder to earn rewards for those transactions. The Bank reserves the right to qualify transactions as commercial at its
sole discretion. The Bank’s decision in such respect shall remain final and binding.
3.13. The Cardholder agrees not to use the Card for any unlawful purpose, including but not limited to the purchase of
goods and services prohibited under the applicable laws of the United Arab Emirates.

3.14. The Bank reserves the right to contact the customer for the purpose of verification of Card Transactions/performing
a security check/advising the replacement of the Card. The Cardholder agrees to cooperate with the Bank in all such
cases. If the Bank is unable to establish contact with the Cardholder for any reason whatsoever in any of the above
circumstances, the Bank holds the right to freeze/block the Cardholder’s Card Account until contact is established to
the satisfaction of the Bank. The Cardholder indemnifies and holds harmless the Bank for any costs/losses whether
actual or implied that may be incurred by the Cardholder due to the freeze/block placed by the Bank on the Card
Account as described herein. The Bank is under no obligation to share details of the circumstances under which the
block/freeze has been placed on the Cardholder’s Card Account.
4. TRANSACTION DISPUTES
4.1. In the event that the Cardholder wishes to dispute a transaction charged to the Card Account on the Statement
of Account, the dispute is to be notified to the Bank in writing no later than 30 days from the date of the relevant
Statement of Account.
4.2. The dispute is to be notified to the Bank in the format as specified on the Cardholder Dispute Form that is available on
the Bank’s website, in the Bank’s branches or may also be requested for by calling the number specified on the reverse
of the Card.
4.3. The Cardholder must ensure to complete the form in full and provide all supporting documentation that the Bank
requests as pertinent to the disputed transaction charge and the circumstances thereof.
4.4. Unless otherwise advised by the Bank, the Cardholder remains fully liable for all transactions and Charges on the Card,
even in the event that the Cardholder has submitted a Cardholder Dispute Form to the Bank. Non-payment of Charges
will result in the levy of relevant Fees and Finance Charges.
5. THE TERMS OF CASH ADVANCE TRANSACTIONS

5.1. Subject to the Bank’s sole discretion, the Cardholder may be allowed to use the Card for Cash Advance transactions
for such amounts determined by the Bank by using the Card in any of the Bank’s ATM or any other bank or financial
institutions through whom such Cash Advances are provided.
5.2. Subject to the Bank’s sole discretion the Cardholder may be allowed to use the Card for Cash Advance transaction at
any of the Bank’s branches or any other bank or financial institutions who provide such Cash Advances.
5.3. The Bank may issue a PIN to the Cardholder to use the Card at any ATM accepting Cash Advance transactions or any
other Card Transaction. The Cardholder acknowledges that in any Cash Advance transaction through the ATM he shall
use the PIN to effect the transaction.
5.4. The Finance Charges as specified in the Scheduled of Fees and Charges as updated on the Bank’s website are applied
by the Bank to Cash Advances and calculated on a daily basis. These shall accrue on each Cash Advance from the date
of the Cash Advance until repayment in full.

5.5 The Cardholder acknowledges and agrees that Cash Advance Fee will be applicable for each Cash Advance transaction
and shall be applied on the amount of each Cash Advance transaction. The Bank reserves the right to vary from time
to time the amount and/or rate of the Cash Advance Fee and notify the same to the Cardholder through the Bank
Schedule of Fees and Charges and/or any other form of communication at the Bank’s discretion and update the same
on the Bank’s website.
6. THE TERMS OF PAYMENTS

6.1. The Cardholder agrees to pay to the Bank non-refundable fees as determined by the Bank - at its sole discretion - such
as and without limitation the Card issuance/joining fees, annual fees, renewal fees, Supplementary Card, replacement
Card fees and/or any other fees determined by the Bank from time to time.
6.2. The Bank shall debit the Cardholder Account with the amounts of the Card Transaction, Charges, Finance Charges,
Cash Advance Fees, Late Fees and/or any other amount arising and payable under these Terms and Conditions.
6.3. The Primary Cardholder shall be liable to pay any amount debited to the Supplementary Card, and shall be jointly and
severally liable with the Supplementary Cardholder for any Card Transaction relating to the Supplementary Card and/
or any amount debited to the Supplementary Card.
6.4. The Cardholder agrees to pay the Bank the Total Payment Due on the Card Account in addition to any Charges, Finance
Charges, Cash Advance Fees, Over Limit Fees and/or any other fees payable under these Terms and Conditions. If the
Cardholder chose not to settle the Total Payment Due in full, the Cardholder shall on or before the Payment Due Date
determined by the Bank pay the agreed percentage of payment or the amount specified as the Minimum Payment Due
in the Statement of Account, whichever is higher and the Finance Charges will become applicable.
6.5. The Cardholder agrees and acknowledges that if he failed to pay the Minimum Payment Due in full by the Payment
Due Date, the Bank reserves the right to levy Late Payment Fees (as determined by the Bank from time to time) to the
Card Account.
6.6. Payments made in excess of the Minimum Payment Due as appearing on the Statement of Account, will not excuse
the Cardholder from the next Minimum Payment Due. Payment of the Minimum Payment Due will not excuse the
Cardholder from being billed the applicable Finance Charges.
6.7. Subject to the Bank’s sole discretion and without prejudice to the Bank’s rights under these Terms and Conditions. If
the Cardholder failed to pay the Minimum Payment Due on the Payment Due Date and the same remained unsettled
till the date of the next Statement Date, the Bank will add the unsettled amount to the next Statement of Account in
addition to any Charges and/or fees.
6.8. Without prejudice to the Bank’s rights at any time to take appropriate legal action against the Cardholder, the Bank
may charge fees for any returned unpaid cheques drawn by the Cardholder as full or partial payment of the Current
Balance or on the Card Account.

6.9. The Bank’s acceptance of late payments or partial payments of the Current Balance in cash, by cheques or money orders
marked as constituting payment in full or any waiver by the Bank or any indulgence granted to the Cardholder shall not
prevent the Bank from enforcing any of its rights under the Terms and Conditions to collect the Current Balance or any
amount due under these Terms and Conditions nor shall such acceptance operate to prevent the Bank from enforcing any
of its rights under these Terms and Conditions to collect the amounts due hereunder nor shall such acceptance operate
as consent to the modification of these Terms and Conditions in any respect.
6.10. The Cardholder agrees that if any sum shall be due from the Cardholder to the Bank at anytime under the Card Account
or any other account then the Current Balance on the Card Account shall become immediately due and payable.
6.11. Any payments made by the Cardholder in relation to the Card shall be applied in the following order of payment:
a) Finance Charges
b) Fees and Charges
c) Credit Shield Premium
d) Balance Transfer/Instalments due on any Instalment Payment Plan transaction
e) Cash Advance
f) Retail purchase transaction
6.12. The Cardholder agrees to make all payments in the billing currency (Card Currency) of the Card Account. If any
payment is made in any other currency, the Bank reserves the right to convert such currency to UAE Dirham or the Card
Currency subject to the Bank’s prevailing exchange rate as on the date of posting the payment into the Card Account.
Any payment made in the Card Currency will be credited to the Card Account only on the date that the Bank actually
received the required funds in its books. Whereas payment if received in any other currency, such payment shall be
credited to the Card Account after the date when the relevant funds have been actually received by the Bank after
conversion into the Card Currency and credited to the Card Account.
6.13. Without prejudice to the Bank’s rights under these Terms and Conditions, Charges, Finance Charges, Late Fees and/or
any other fees implemented by the Bank shall continue to be chargeable on any sums of money which remain due and
unpaid after the exercise of any of those rights. If the Bank obtains a judgment that any sum should be paid to the Bank,
these Charges and Fees shall be payable on such sum from the date of such judgment until the date of full payment.
6.14. Any cheque deposited shall be acceptable for collection and the proceeds shall not be available until the cheque
has been cleared and the proceeds paid to the Bank. Any such deposit may only be deemed to having been actually
received by the Bank upon the receipt and crediting the same to the Card Account.
6.15. If the Cardholder affects any payment by depositing cash or cheque in any ATM or terminals designated by the Bank,
the Bank shall not be liable for any loss or delay caused by the use of the ATM or terminal. Cheques deposited in the
ATM or terminals shall only be credited to the Card Account after verification by the Bank (which shall be conclusive
and binding against the Cardholder) and any statement issued on making such deposit shall only represent what the
Cardholder purports to have deposited and shall in no way bind the Bank as to its correctness.

6.16. If the Cardholder chooses to make payment to the Card by way of Direct Debit from his account with the Bank, the
percentage of Minimum Payment Due or higher up to the Total Payment Due as specified by the Cardholder at the time
of applying for the Card or specified at a later date by the Cardholder to the Bank in writing or through instructions
given through the IVR to a Bank authorized agent at the Call Centre shall be debited from the Cardholder’s account
with the Bank on the Payment Due Date. Where a sufficient balance is not maintained in the Cardholder’s account with
the Bank at the time the Direct Debit is effected, the Cardholder authorizes the Bank to either place a lien of recovery
for the balance unpaid amount on the account or to overdraw the account for the same amount. The overdrawn
amount shall be subject to the Bank’s prevailing overdraft interest rate as specified on the Bank’s website.
6.17. Any payment made via online banking or any other kind of bank transfer shall only be regarded as having been received by
the Bank upon the clearing of the proceeds paid to the Bank by the remitting bank. The Bank shall not be liable for any fees
or Charges levied by the remitting bank to the Cardholder in effecting such payments to the Bank.
6.18. The non receipt and/or late receipt of Statement of Account shall not be construed and considered by the Cardholder
to be a sufficient reason for non-payment of the Total Payment Due or part thereof or the Minimum Payment Due.
6.19. The Cardholder is not allowed to transfer funds from one Card Account to another in settlement of the dues on the
other Card Account, even if such funds are available as a credit balance on the Card Account unless if an explicit prior
arrangement to this effect is made with the Bank.
6.20. The Bank may at its sole discretion at any time vary the rate, method or calculation of the Charges, Finance Charges,
Annual Renewal Fees, Late Payment Fees, Over Limit Fees, Minimum Payment Due and/or any other fees or Charges
without obtaining the Cardholder’s consent.
6.21. The Bank may at any time demand the Cardholder to provide an undated cheque, pledge over a deposit and/or any
other collateral as security for the Card. Failure to comply with such a request shall be treated as a breach to these
Terms and Conditions. The Bank shall be entitled to treat the following as evidence of a debt properly incurred by the
Cardholder to be debited to the Card Account:
a) Any sales draft, transaction record, credit voucher, cash disbursement draft and/or other charge record bearing
the imprint or other reproduction of embossed information printed on the Card and duly completed irrespective
of whether the same bears the signature of the Cardholder or not. However this does not in any way waive the
Cardholder’s responsibility to sign the sales draft/transaction record/credit voucher as requested by the merchant
establishment; and/or
b) The Bank’s record of Cash Advances or of any other transactions effected by the use of the Card including but
not limited to transactions effected via mail order, the telephone or the internet
6.22. If the Cardholder pays the Bank any amount which is in excess of the Total Payment Due of the Card, the Bank retains
the right as it deems necessary, to verify the reasons for such excess payments and accordingly to process or not to
process such payments and to return the payments to the Cardholder.

6.23. The Cardholder hereby expressly agrees that if any sums shall be due from the Cardholder to the Bank at any time
under the Card Account or if the Cardholder shall be liable to the Bank on any banking account or any other account,
current or otherwise, in any manner whatsoever, or if default is made by the Cardholder in relation to such accounts
or in any other banking facilities or loans granted by the Bank to the Cardholder, then and in such event the Current
Balance of the Cardholder’s account shall become immediately due and payable and the provisions of Section 12
hereof shall be applicable.
6.24. If the Cardholder holds other Cards issued by the Bank, and any of these Cards is cancelled for any reason whatsoever,
then the Bank may in its absolute discretion without notice, combine or consolidate the account of the cancelled Card,
whether in AED or in any other currency, with the Card Account, and may do so notwithstanding that the balances on
such accounts may not be expressed in the same currency, and the Cardholder hereby authorizes the Bank to offset any
such combination or consolidation with the necessary conversion at the Bank’s prevailing exchange rates, which shall be
determined by the Bank at its sole discretion. The Credit Card Statement of Account sent to the Primary Cardholder shall
thereafter show particulars of the Total Payment Due of the consolidated Card Account.
7. SUPPLEMENTARY CARD ISSUANCE AND CARDHOLDER’S LIABILITY

7.1. The Bank may at its sole discretion issue a Supplementary Card to a person nominated by the Cardholder and approved
by the Bank. The issue of the Supplementary Card shall be subject to such Terms and Conditions, which the Bank may
deem necessary.
7.2. The Terms and Conditions applicable herein to the Primary Cardholder shall apply to the Supplementary Cardholder.
Every Supplementary Cardholder shall be jointly and severally liable with the Primary Cardholder for the Current Balance
and all transactions generated by the use of the Card.
7.3. The Bank may at its absolute discretion initiate and commence legal proceedings under this clause against the Primary
Cardholder or Supplementary Cardholder or both of them.
7.4. The Credit Limit assigned to the Primary Cardholder is inclusive of the Credit Limit of the Supplementary Card and
the Primary Cardholder and the Supplementary Cardholder shall not permit the Current Balance to exceed the said
Credit Limit.
7.5. The validity of the Supplementary Card is dependant upon the validity of the Primary Card.
7.6. The undertaking, liabilities and obligations of the Primary Cardholder and the Supplementary Cardholder to the
Bank’s rights herein shall not be effected in any way by any dispute or claim which the Primary Cardholder and the
Supplementary Cardholder may have against each other.
7.7. In addition to what is stated in this clause, and as a separate undertaking, the Primary Cardholder shall be fully liable
to the Bank for all Charges and other liabilities incurred by the Primary Cardholder and the Supplementary Cardholder
notwithstanding any legal disability or incapacity of the Supplementary Cardholder.

8. LOSS OF CARD/PIN
8.1. The Cardholder shall fully be liable to the Bank for all Card Transactions made with the PIN whether with or without
the knowledge of the Cardholder.
8.2. The Cardholder shall use reasonable precautions to prevent the loss or theft of the Card and shall prevent the discovery
of the PIN by any person (including but not limited to family, relatives, and/or employers) and shall not disclose the PIN
to any person.
8.3. If the Credit Card is lost or stolen or the PIN is disclosed to any person, the Cardholder shall immediately notify the Bank
on the phone numbers specified by the Bank from time to time and the police of the country where such loss or theft
or disclosure occurred. Such notification shall be followed by signed written confirmation or email to the Bank within
48 hours of receipt of notice. Until receipt of such written confirmation, the Cardholder will be liable for all Credit
Card Transactions on the Card Account. The Cardholder also undertakes to take all necessary steps to assist the Bank
in recovering the missing Credit Card.
8.4. The Cardholder shall be and remain fully liable for the payment to the Bank for any debit to the Card Account arising
from any Card Transactions, goods or services supplied by the Merchants, Cash Advances or ATM transactions effected
through the use of the Card by any person whether with or without the knowledge of the Cardholder and irrespective
of whether they were authorized by the Cardholder or not.
8.5. The Bank may at its sole discretion issue a replacement for any lost or stolen Card subject to the Terms and Conditions
as the Bank may consider appropriate and at a fee determined by the Bank from time to time.
8.6. In the event that the lost or stolen Card is recovered by the Cardholder, he shall immediately return the same cut in half
to the Bank without using it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the
same to any other party.
9. EXEMPTIONS AND EXCLUSIONS

9.1. The Bank shall not be liable for any loss or damage howsoever incurred or suffered by the Cardholder by reason of the
Bank or a Merchant or other Bank or financial institution or any ATM or terminal or other party refusing to allow a Card
Transaction or accept the Card or the Card numbers or the PIN or to extend or provide Cash Advances up to the Credit
Limit or at all.
9.2. The Bank shall not be responsible for the refusal of any Merchant or member institution of VISA International/
MasterCard International to honor or accept the Card or for any defect or deficiency in the goods or services supplied
to the Cardholder by any Merchant or, where applicable, for any breach of non-performance by a Merchant for Card
Transactions.
9.3. In the event of any dispute between the Cardholder and any Merchant or other bank or financial institution or any
other person, the Cardholder’s liability to the Bank shall not in any way be affected by such dispute or any claim or

right of set-off which the Cardholder may have given against such Merchant or bank or financial institution or any
other person.
9.4. The Bank shall not be liable in any way to the Cardholder for any loss or damage of whatever nature due to or arising
from any disruption or failure or defect in any ATM or terminal or communication system or facilities or data processing
system or transmission link or any industrial or other dispute or anything or cause, whether beyond the control of the
Bank or otherwise.
9.5. The Bank shall not be liable for any disputes brought to the Bank’s notice by the Cardholder after thirty (30) days from
the date of the relevant Statement of Account.
10. DISCLOSURE OF INFORMATION

10.1. The Cardholder irrevocably authorizes and permits the Bank to disclose and furnish such information that it deems
fit concerning the Cardholder and his affairs including but not limited to these Terms and Conditions to the Bank’s
associates, branches, assignees, agents, Cardholders, employers or other parties, last known address of the Cardholder,
Card numbers of the new, renewed or replaced Cards to Merchants and other interested persons. The Bank may check
the Cardholder’s credit standing at any time as and when the Bank deems fit without reference to the Cardholder.
11. INDEMNITY
11.1. The Cardholder undertakes and agrees to indemnify the Bank against any loss, damage, liability, costs and expenses
whether legal or otherwise which the Bank may incur by reason of these Terms and Conditions or any breach thereof
or the enforcement of the Bank’s rights as herein provided. All costs and expenses in such regard may be debited to
the Card Account and shall be paid by the Cardholder.
11.2. The Cardholder undertakes to pay to the Bank the amount of any loss or damage which the Bank, its directors, officers
or employees may suffer by reason of those terms and conditions or by breach of them by the Cardholder or arising in
any way in connection with the Credit Card Account. The Bank may debit all such amounts to the Cardholder’s Credit
Card Account.
12. NOTICES
12.1. It is the sole responsibility of the Cardholder to ensure that the personal contact information is updated in the Bank
records at all times. The Cardholder must promptly notify the Bank in writing of any changes in the Cardholder’s
information as provided to the Bank, including but not limited to, employment, address, contact numbers, etc. along
with any documentary evidence of such changes. Should the Cardholder be away from UAE for more than a month,
the Card Account should be settled seven (7) days prior to his departure.
12.2. If the Cardholder leaves the United Arab Emirates to take up residence elsewhere, both the Primary and Supplementary
Card(s) shall be returned to the Bank forty five (45) days prior to the Cardholder’s departure and the use of the Primary
Card and Supplementary Card(s) shall be deemed to be ceased and Clause 12 (Termination) will apply.

12.3. Instructions sent by the Cardholder to the Bank through facsimile communication shall be considered valid and binding
on the Cardholder and the Bank may act upon instructions conveyed through this message. The Bank may use copies
of facsimile transmissions as evidence in any court of law.
12.4. All Cards, Statements of Account, demands or any other communication under these Terms and Conditions (hereinafter
collectively called ‘Communication’) may be delivered personally or sent by ordinary post to the last known billing as
registered with the Bank or other addresses of the Cardholder and such communication shall be deemed to have been
served on the Cardholder on the day of delivery if delivered by hand and on the next business day after posting, if
sent by post. All communications under these Terms and Conditions sent to the Primary Cardholder or Supplementary
Cardholder shall be deemed to be sent to both.
12.5. Any instructions conveyed by the Cardholder through the Interactive Voice Response system (IVR) shall be deemed valid
and the Bank may act upon and use such records as evidence in a court of law or other legal proceedings.
12.6. The address stated by the Cardholder in the Card Application Form (the “permanent address”) and/or the relevant
Bank account or service application (if any) shall be the selected place of domicile on which the Cardholder shall receive
all notices, summons, demands and claims in respect of any dispute in relation thereto and serving of the same to the
Cardholder on this address shall be deemed to have been duly made, in the event where the Cardholder fails to notify
the Bank with any changes thereof.
13. TERMINATION
13.1. The Cardholder may at any time notify the Bank of his intention to close the Card Account and terminate the use of
all Cards by giving notice in writing and returning all Cards cut into half to the Bank. The Card Account shall be closed
only after the receipt of full payment of all Charges, Finance Charges and liabilities of the Card Account, including but
not limited to transactions authorized but not yet billed to the Card Account.
13.2. The Bank may at any time recall all or any of the Card(s) and terminate or stop its/their use with or without giving prior
notice to the Cardholder. The Cardholder shall immediately after such recall, return such Card(s) cut in half to the Bank
and make full payment of all Charges, Finance Charges and liabilities to the Bank.
13.3. The use of the Card shall be terminated by the Bank without notice upon the death, bankruptcy or insolvency of the
Cardholder or when the whereabouts of the Cardholder become unknown to the Bank due to any cause not attributed
to the Bank.
13.4. In the event of the Primary Cardholder’s bankruptcy, death, or insolvency, the holder(s) of the Supplementary Card(s)
will immediately stop the use of the Card(s) and return them cut in half to the Bank.
13.5. The Bank shall not be liable to refund the annual membership fee or any part thereof in the event of the termination
of the Card Account or the use of any or all Card(s).

13.6. Notwithstanding the payment provisions outlined under Clause 5 (Payment) above, all amounts outstanding on a Card
Account (including that of all Supplementary Cards) together with the amount incurred by the use of the Card but not yet
billed to the Cardholder’s Card Account shall be payable immediately upon the termination of the Card in accordance with
these Terms and Conditions.
13.7. Upon cancellation of the use of the Credit Card, any security held by the Bank shall be held for a period not less
than forty five (45) days following the cancellation and/or return of the Credit Card, whether cancelled by the Bank
or the Cardholder.
13.8. Despite the termination of these Terms and Conditions or cancellation or suspension of the Card, the Cardholder
and/or his heirs will be responsible for setting off outstanding balances on the Card Account and shall keep
the Bank indemnified for all costs (including legal fees and Charges) and expenses incurred in recovering such
outstanding balances.
14. GENERAL TERMS

14.1. The Bank shall not be liable for acting in good faith upon the Cardholder’s instructions.
14.2. The Cardholder undertakes to sign such further documents as may be requested by the Bank from time to time.
14.3. All the fees pursuant to or in connection with the Terms and Conditions are non-refundable.
14.4. The Bank shall be entitled at any time without consent of the Cardholder to assign the whole or any part of its rights,
or obligations under these Terms and Conditions to any other party at the Bank’s sole discretion with or without notice
to the Cardholder.
14.5. The Cardholder authorizes the Bank at its discretion to record any instructions and to use such records as evidence in
a court of law or other legal proceedings.
14.6. The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.
14.7. The Terms and Conditions herein are binding upon the Cardholder and no assignment of rights or obligations
is permissible.
14.8. In addition to any other right the Bank may have either under these Terms and Conditions or in law, the Bank may at
any time and without notice consolidate and combine all accounts which the Cardholder holds with the Bank, either
individually or jointly or with a Supplementary Cardholder and set-off and transfer any sums held in any such account
in satisfaction of any other sums due to the Bank. The Bank may do so wherever such accounts are situated and in
whatever currency they are situated at the then prevailing exchange rates.
14.9. Each of these Terms and Conditions shall be severable and distinct from one another and if at any time any one or more

of such Terms and Conditions is or becomes invalid, illegal or unenforceable, the validity, legality or the enforceability
of the remaining provisions shall not in any way be affected or impaired thereby.
14.10.The Bank may at any time waive, either unconditionally or otherwise, any of these Terms and Conditions or any default
or breach of the Cardholder, provided that such waiver is given in writing by the Bank and save as aforesaid no condoning
or excusing of and no neglect or forbearance on the part of the Bank of any default or breach of any of these Terms and
Conditions shall operate as a waiver of the Bank’s rights and powers and no waiver shall be inferred from or implied by
anything done or not done by the Bank unless expressed in writing by the Bank.
14.11.The Bank may, from time to time, and at its sole discretion, and without notice to the Cardholder change or amend any
of these Terms and Conditions. Nevertheless the Bank may notify the Cardholder with such changes by any appropriate
medium. Such changes shall apply on the effective date specified by the Bank in the notification sent to the Cardholder
- if any - and shall apply to all unpaid Charges, Finance Charges, Fees, Cash Advances and Card Transactions.
14.12.In case of change in the Card number, it is the sole responsibility of the Cardholder to ensure that this change is
communicated to the relevant authorities, if the Cardholder has given any standing instructions for recurring payments
to be charged to the Card Account, including but not limited to utility bills and insurance premiums. This will allow
the Charges to be debited to the new Card Account. Any fees and/or Charges incurred by the Cardholder charged by
the relevant authorities due to failure and/or delay in updating this information with the relevant authorities will be
completely borne by the Cardholder and the Bank cannot be held liable for the same.
14.13.The Cardholder acknowledges and agrees that the Bank may from time to time offer certain benefits, rewards and
discounts on behalf of third party service providers or Merchants. Using or benefiting from such benefits, rewards and
discounts offered by the Bank requires the Cardholder’s compliance with the Terms and Conditions specified by the
third party provider/or the Bank who reserve the right to cancel and withdraw such offer at any time without assigning
any reason.
14.14.These Terms and Conditions are made in bilingual (Arabic/English) text. However, if there is any contradiction between
the Arabic and English text, the Arabic text shall prevail.
14.15.The Terms and Conditions are governed by and shall be constituted in accordance with the laws of the United Arab
Emirates and the Cardholder hereby submits irrevocably to the non-exclusive jurisdiction of the courts of the United
Arab Emirates. Such submission shall not prejudice the rights of the Bank to bring proceedings against the Cardholder
in any other jurisdiction in or outside the United Arab Emirates.
15. CARD CONVERSION

15.1. The Cardholder may at any time notify the bank in writing of his intention to convert his existing Card to another Card
offered by the Bank. The request of the Cardholder shall be subject to approval by the Bank, payment of any applicable
fees for the purpose of conversion and agreement to such Terms and Conditions as the Bank may require.

15.2. If the Bank approves the request of the Cardholder to convert his Card, all Charges and other liabilities under the
existing Card Account shall be transferred to the new Card Account. It is also understood that, if the Bank approves
the conversion, the rewards program or other benefits earned on the existing Card by virtue of the customer loyalty
program prevalent on the existing Card shall not be converted into the rewards
16. PLUS POINTS

16.1. The Plus Points Program (“the Program”) allows eligible Emirates NBD Credit Cardholders (“Cardholder/s”) to accumulate
points (“Plus Points”) from spending on their generic Emirates NBD VISA and/or MasterCard Credit Card (“Emirates
NBD Card/s”). The Cards eligible for Plus Points earning will be as determined by Emirates NBD from time to time.
16.2. Exclusions from the Program: Cards issued as Corporate Cards and/or Cards issued under promotions which exclude
rewards earning. The Bank has the right to include/exclude any Card into/from Plus Points at any time with/without
prior notice to the Cardholder.
16.3. In order to benefit from Plus Points, the Emirates NBD Card must be valid and in good standing as per the criteria and
standards applied by the Bank from time to time. The Cardholder’s acceptance of the Terms and Conditions outlined
hereinafter shall be deemed satisfied upon redemption of his/her Plus Points.
16.4. The Points earned by the Supplementary Cardholder will accrue to the account of the Primary Cardholder.
16.5. Participation in the Program is automatic and free on subscribing to the Emirates NBD Card.
16.6. Enrollment Date shall mean the Card Account set up date by Emirates NBD for new Cardholders and for existing
Cardholders, the date the Program commences, as decided and communicated by Emirates NBD.
16.7. Enrollment Year shall mean the year of the Enrollment Date.
16.8. Plus Points will be awarded from the date the Card is activated whenever the Emirates NBD Card is used for all domestic
and international retail spends.
16.9. Plus Points awarded to the Cardholder will be shown in the Cardholder’s monthly statement, and will be redeemable in
such manner as set out in the Plus Points brochure, which will be dispatched to the Cardholder upon his/her request.
16.10.Cardholders cannot accrue Plus Points for any transactions on the Emirates NBD Card prior to his/her Enrollment Date.
16.11.The rate of earning Plus Points is as defined in the Plus Points Brochure and/or updated on the website and/or
communicated from time to time. The Bank reserves the right, to be exercised at any time and without any prior notice
to the Cardholder, to change the ratio between
a) Plus Point to be awarded, and
b) The specified amount charged to the Cardholder’s Emirates NBD Card

16.12.All transactions charged to a Cardholder’s Emirates NBD Cards are eligible for Plus Points except for the following:
Annual fee of the Cardholder’s Emirates NBD Cards, Cash Advances, Finance Charges, Late Payment Charges, traveler’s
cheques, balance transfer and other unauthorized charges, foreign currency purchases, Credit Shield/Lifestyle Protector/
any other insurance programs or products that the Bank may choose to offer, Transactions that the Bank decides are
disputed, erroneous, unauthorized, illegal and/or fraudulent, Dial a Cheque and Instalment Plan facilities offered by
the Bank. The Bank may, at its sole discretion and without prior notice to the Cardholder, add to, or remove from, the
above list of eligible charges and transactions. The Bank’s decision as to what constitutes an eligible charge shall be
final and conclusive. The Bank may also apply caps and/or reduced Plus Points to certain categories of spending, i.e.
Utility Bill Payment etc.
16.13.The following earning caps will apply on Plus Points earning in each month: Silver/DIC/Gold Cards - 1,000 Plus Points,
Platinum Card - 2,000 Plus Points and Infinite Card - 3,000 Plus Points. The Bank has the right to modify these caps at
any point in time with/without prior notice to the Cardholder.
16.14.Plus Points will stop accruing if the Cardholder fails to pay the Minimum Amount Due on the Card Account on 2
consecutive Payment Due Dates.
16.15.In the event the Card is voluntarily closed by the Cardholder, Plus Points accumulated on his/her Card have to be
redeemed within 30 days of Card closure otherwise these will automatically lapse. In the event the Card is cancelled by
the Bank for any other reason, all the Plus Points accumulated will stand forfeited. If the Card is blocked or suspended
by the Bank for any reason whatsoever, then the Plus Points accumulated shall stand forfeited but may be reinstated
at the discretion of the Bank if use of the Card is reinstated.
16.16.Adjustments will be made to the Plus Points balance if there are any credits, including those arising from returned goods or
services or billing disputes. If a disputed transaction is resolved in favour of the Cardholder or where a transaction is reversed,
proportionate Plus Points will also be reversed and credited/debited to the Cardholder. On redemption, Plus Points would
automatically be subtracted from the Points accumulated in the Cardholder’s account.
16.17.The Bank’s decision on computation of Plus Points will be final, conclusive and binding on the Cardholder.
16.18.Redemption - The Cardholder can only redeem those Plus Points registered and credited to the Emirates NBD Card Account
of the Cardholder at the time of making the redemption. The books and records of the Bank shall be conclusive evidence
in respect of the number of Plus Points registered and credited to the Cardholder’s Emirates NBD Card Account.
16.19.In addition to any other conditions outlined in these Terms and Conditions, Plus Points accumulated under the
Cardholder’s Emirates NBD Cards Account(s) will be cancelled if the Cardholder’s Emirates NBD Card a) is closed;
b) is not in good standing in the opinion of the Bank; c) has expired; d) has breached the Bank’s and/or VISA or
MasterCard Agreement; e) any other event which, in the sole discretion of the Bank, should result in the cancellation
of Plus Points.

16.20.Plus Points redemption will not be allowed if the Minimum Amount Due on the Card Account has not been cleared on
the Payment Due Date for one statement cycle. The account will be reactivated only after the dues are cleared.
16.21.Without prejudice to the foregoing, the Bank reserves its right to be exercised at any time without prior notice to the
Cardholder, to apply time limitations on the validity of the Plus Points earned by the Cardholder and credited to the
Cardholder’s Emirates NBD Card Account. Any unprocessed redemption order for Plus Points that have been cancelled,
shall not be processed by the Bank despite the fact that such redemption order was received before the Cardholder’s
relevant Plus Points cancellation.
16.22.Any order placed for the redemption of Plus Points for any of the Rewards in the Plus Points Brochure is subject to the
Bank’s approval, the availability of the Reward at the time of placing the redemption order by the Cardholder, as well as
any restrictions applied by the suppliers of the Reward. The Bank may, without prior notice to the Cardholder withdraw
or substitute any of the Rewards for another Reward of comparable value or nature. Redemption orders may be placed
through the Plus Points Helpline as communicated from time to time or through Internet Banking.
16.23.Plus Points can be redeemed for Frequent Flyer Partner Miles (hereinafter referred to as “FFP Miles”) with our partners,
Gift Vouchers, Cash Back, Annual Fee Waiver, Nol e-purse value (Go4it Card only) and any other redemption option as
defined by the Bank from time to time.
16.24.A minimum of 500 Plus Points is required for Cash Back redemption and FFP Miles redemption.
16.25.Plus Points can be transferred from a Visa Card account to a MasterCard account and vice versa.
16.26.Transfer of Plus Points to FFP miles can be requested only by the individual whom we identify as the Primary Cardholder.
Plus Points can be transferred to FFP of any person by providing his FFP number and name (e.g. Supplementary Cardholder,
friend, relative, etc). Only one redemption request will be accepted per day per airline.
16.27.There will be varying time lags for completing the process of transferring Plus Points to any of the FFP Miles of
partner airlines.
16.28.The minimum turnaround time for processing redemption requests is as follows: FFP Miles - 7 to 10 working days, Gift
Vouchers - 5 working days (excluding time lag in delivering the vouchers to the Cardholder), Cash Back/ Annual Fee
Waiver - 5 working days and Nol e-purse - 7 working days. The Bank cannot be held responsible for any delays beyond
the turnaround time specified if such delays are caused due to circumstances beyond the Bank’s control. The Bank also
has the right to change these time lags from time to time with or without prior notice to the Cardholder.
16.29.Plus Points once converted to FFP Miles cannot be converted back to Plus Points. Flight rewards do not qualify for FFP
Miles. Plus Points converted to Nol e-purse value cannot be converted back to Plus Points.
16.30.Plus Points will be transferred to a FFP program at the prevailing rate as of redemption date. The conversion rate is subject to
change and the Bank reserves the right to change conversion rates without prior notice or intimation to the Cardholder.

16.31.Plus Points converted to Cash Back will reflect as a credit in the Card Account, which can be offset against any
purchases made on the Card/outstanding debit balances on the Card. The Cash Back amount cannot be withdrawn as
Cash or transferred to the Cardholder’s Bank account.
16.32.In case the Cardholders wants to voluntarily close the Card, Plus Points balance can be redeemed for Cash Back prior
to Card cancellation and be offset against the outstanding balance on the Card. If there is no outstanding balance and
the Cardholder wishes to close the Card Account immediately, Plus Points cannot be redeemed for Cash Back. They
can be redeemed for Gift Vouchers or FFP Miles only.
16.33.The Bank shall only be responsible for forwarding the Cardholder’s order for Reward to the supplier of the Reward requested
by the Cardholder. The Bank is not and shall not be considered at any time as the supplier of the Rewards available under
the Plus Points Program.
16.34.The Bank shall not be liable for any loss of profit, savings, contract, revenue, interest or goodwill or any consequential
indirect, incidental, special or punitive loss, damage or expenses or loss of data sustained by the Cardholder as a result
of redeeming Plus Points and/or possessing and/or using the redeemed Reward(s) nor shall the Bank be responsible or
held liable for any amount payable by the Cardholder to any third party arising out of the purchase, supply, quality,
installation, use or otherwise of Rewards, or of any negligence, breach of statutory or other duty on the part of the
Bank and/or the supplier.
16.35.The Bank gives no warranty whatsoever (whether expressed or implied) and undertakes no liability in respect of the
quality of the Rewards or their suitability or fitness for any purpose.
16.36.Should a Reward arrive damaged or faulty, the Customer may notify the Bank at the Helpline number as specified
from time to time no later that two (2) days from the date of his/her receipt of the Reward giving full details as shall be
requested by the Bank. The Bank shall use its best endeavors to convey the Cardholder’s complaint to the supplier of
the Reward and arrange for a replacement thereof, if possible. Notwithstanding the foregoing, the Bank shall not be
held responsible in any way whatsoever for any damaged or defective Rewards.
16.37.The redemption confirmation letter for Rewards items, which have to be picked up from merchants, will be sent to the
Cardholder within ten (10) working days from the date the Bank approves the redemption request. Such letter shall
authorize the Customer to pick up the Rewards item from the relevant merchant.
16.38.Redemption orders once submitted to the Bank cannot be cancelled, revoked or changed.
16.39.Vouchers issued under the Plus Points Programme, are not exchangeable, refundable, or redeemable for cash or credit
under any circumstances. Such Vouchers are not replaceable in the event of loss or destruction after being issued and
are subject to such terms and conditions as may be prescribed by the issuer of the same.
16.40.Details of specific rewards are set out in the Plus Points Brochure which is subject to change from time to time as may be

determined by the Bank without prior notice to the Cardholder. All Reward selections are non-returnable. When deemed
necessary by the Bank and/or merchant partners of the Plus Points Programme, they may make similar substitution without
advance notice to the Cardholder. The Plus Points offers are void where prohibited by law.
16.41.Every effort has been made to ensure that the information contained in the Plus Points Brochure, which may be
dispatched to the Cardholder from time to time, is accurate. The Bank is not responsible for any errors or omissions,
which may appear on the Plus Points Brochure.
16.42.The Bank reserves the right to disqualify any Cardholder from further participation in the Plus Points Programme, if in
the Bank’s sole judgment, that Cardholder has in any way violated these Terms and Conditions and/or the Terms and
Conditions of his/her Emirates NBD Card Agreement. Suspension and disqualification may result, at the Bank’s sole
discretion, in the cancellation and nullification of all Plus Points earned by the Cardholder.
16.43.The Bank is entitled, at any time and without any prior notice or liability to the Cardholder in any manner whatsoever,
to terminate the Plus Points Programme and/or cancel and/or vary its benefits or features, and/or vary, add to or
delete any of the terms and conditions outlined herein, and/or withdraw or change the participants of the Plus Points
Programme, and/or modify or limit the value of Plus Points and/or the manner of their redemption even though any
of such acts may diminish the value of the Plus Points already accumulated.
16.44.Fraud and abuse relating to earning and redemption of Plus Points will result in forfeiture of the Plus Points as well as
termination of the Card.
16.45.Information supplied by a Cardholder on redemption of rewards may be used by the Bank for administrative and/or
marketing purposes.
16.46.The Program does not in any way amend the Emirates NBD Card Terms and Conditions between the Bank and the
Cardholder, and any term referenced but not defined herein may be interpreted in accordance with the said Terms
and Conditions.
16.47.The Bank acts in good faith in response to any oral or electronic instruction or inquiry by the Cardholder in respect of
any matter in relation to this Program and fulfillment of any reward. The Cardholder will not be entitled to claim or
allege any loss, damage, liability, expense etc. attributable directly or indirectly to any such good faith action of the
Bank and the Cardholder shall indemnify and hold the Bank harmless in respect thereof.
16.48.Plus Points accrued on Card Account can be viewed on the Card Statement and Banknet. There may be minor variations
in the display of correct Plus Points due to rounding-off to the nearest whole number.

‫بطاقات اإلئتمان‬ Credit Cards
‫شروط وأحكام بطاقات ائتمان‬ Emirates NBD Go4it Program

‫انطلق معها‬ Terms and Conditions
2011 ‫ابتداء من نوفمبر‬
ً Effective November 2011
EMIRATES NBD GO4IT CREDIT CARD TERMS AND CONDITIONS
This set of Terms and Conditions governs the Emirates NBD Go4it Credit Card Program. These are applicable in line
with the Emirates NBD Credit Card Terms and Conditions.
1. DEFINITIONS
In these Terms and Conditions where the context so admits the following expressions shall have the meanings
herein designated unless the context otherwise require:
“Auto Top up” the automatic crediting of a pre-defined amount to a registered Nol Tag ID or Nol Account or RTA
Salik account, when the amount held on the Nol Account or Nol Tag ID or Salik account is equal or less than the
threshold specified by the Bank.
“Go4it Card” or “Go4it Credit Card” means the co-branded credit card launched in partnership between Emirates
NBD and RTA.
“Gold Class” or “Gold Cabin” means a demarcated section of RTA Transport marked or defined as “Gold Class”
as per RTA Terms and Conditions.
“Manual Top up” means the crediting to a personalized Nol Tag ID or Nol Account with a prescribed amount of
money by the Cardholder, using any of the Bank or RTA assigned channels for the purpose.
“Metro” or “RTA Metro” means any metro train operated by or on behalf of RTA, including those to be operated
on the Dubai Metro’s Red Line, Green Line, Purple Line and Blue Line.
“Nol Product” or “RTA Product” means a type of fare product which may be uploaded to a Nol Card (e.g.
“Monthly Pass”), as described in more detail in RTA Terms and Conditions.
“Nol Card” or “Nol Account” or “Nol Tag ID” means either a plastic-based contactless smart chip or a membership
number assigned for use in connection with fare payments to RTA transport and other public transport services.
“Partner” means any third party service provider which has been contracted by the Bank to fulfill benefits and
features on the Go4it Card as per the Bank’s Terms and Conditions.
“RTA” means Roads and Transport Authority, the co-brand partner for the Emirates NBD Go4it Credit Card program.
“RTA Transport” or “RTA Transit Network” means public transport and ancillary services provided by or on
behalf of RTA, as more particularly including Dubai Metro, Dubai Taxi, Dubai Buses, Dubai Ferry, Dubai Water Buses,
Dubai Water Taxis, Dubai Abras, Parking Meters, where the context admits, “RTA Transport” includes the type of
transport itself and RTA Premises (and the use of RTA Premises).
“Regular Class” or “Regular Cabin” means a demarcated section of RTA Transport marked or defined as “Regular Class”
as per RTA Terms and Conditions.

2. GENERAL 3.8 The amount available on Nol Tag ID can be used only as per RTA Terms and Conditions. The balance cannot
2.1 The annual fee applicable on the Card, as mentioned in Bank’s Credit Card Service and Price Guide, is billed in be transferred to another Nol Tag ID.
the first statement generated after the issuance of the Card. Cardholders are liable to pay the fee irrespective
3.9 Any refund of the balance on Nol Tag ID, including Nol Tag ID and Nol Product (such as Monthly Pass), will be
of whether the Card is activated or not.
processed as per the RTA Terms and Conditions. There may be fee applicable for processing refunds. In case
2.2 All Go4it Cardholders are governed and bound by the Bank’s and RTA’s Terms and Conditions. The activation of refund, the balance on Nol Tag Id is posted in the form of credit on the Go4it Card account. The credit is
of Go4it Card and/or usage of NOL Tag ID linked to the Card constitutes an acceptance of the Bank’s Terms adjusted against any outstanding on the Card account.
and Conditions, as well as RTA and Nol Terms and Conditions as stated on the RTA website www.rta.ae.
3.10 The RTA Product such as Monthly Pass can be availed of by the Cardholder on the Go4it Gold Card. This
2.3 By signing on the application form and using the Go4it Card the Cardholder agrees to assigning rights to the Bank can be purchased by the Cardholder directly from RTA as per RTA procedures and Terms and Conditions.
to share Cardholder’s personal details with RTA and other program Partners for the fulfillment of the benefits The Monthly Pass is not available on the Go4it Platinum as per RTA Terms and Conditions.
and features on the Go4it Card. This sharing of data will be restricted only to the requirement for the effective
3.11 For any changes to the Cardholder’s personal details such as address and landline phone number, the
fulfillment of the benefits and features and will not assign rights to the Partner to market its own offer.
Cardholder will need to update the RTA records by calling the RTA helpline (800 90 90). Any changes to the
2.4 The Cardholder also agrees to receiving communication and updates from RTA from time-to-time with respect to RTA Cardholder’s mobile number will be shared with RTA by the Bank.
related aspects of the Go4it Card. This will include confirmation on registration for Nol Auto Top up, confirmation
3.12 The Nol Tag ID linked to the Go4it Card is valid as per the date mentioned on the Go4it Card. Any balance
of the Nol Account Pin and confirmation on successful Auto Top up, among other such communication.
available on Nol Tag ID after the expiry date can be utilized as per RTA Terms and Conditions, however,
no fresh top ups can be done on the Nol Tag ID after the expiry.
3. NOL RELATED
3.1 All Cardholders who receive the Go4it Card based on the Bank’s Credit Card approval criteria and Terms and 4. AUTO AND MANUAL TOP UP
Conditions will automatically be assigned a new Nol Tag ID. The Cardholder’s Nol Tag ID will be mentioned
4.1 Nol Auto Top up facility is available subject to the Cardholders opting-in for the facility at the time of Card
on reverse of the Credit Card plastic.
application or later through the Bank’s customer service helpline.
3.2 An existing Nol Tag ID cannot be integrated with the Go4it Card.
4.2 A Nol Auto Top up instruction is initiated when the balance on Nol Tag ID reaches the threshold amount as
3.3 The Nol Tag ID is unique to the Card plastic and will change in case of Card replacement due to any reason. defined in the benefits and features guide or the Bank’s website. The Cardholder can choose the Nol Auto
Top up plan from the available Auto Top up plans as stated by the Bank during Card application or on the
3.4 Cardholder needs to ensure that the required balance is available, either through Auto Top up or Manual Top customer service helpline. The Nol Auto Top up plan cannot be customized or offered on a select basis.
up, prior to using the Nol Tag ID.
4.3 For Cardholders who have activated the Auto Top up facility, the Auto Top up will get triggered even in case
3.5 The Bank is not responsible for any loss arising due to loss of Go4it Card and subsequent misuse of the Nol Tag ID. the Go4it Card has not been activated. The Cardholder is liable to pay for all top ups initiated on the Card.
Protection of the Go4it Card to prevent any misuse is the responsibility of the Cardholder. Auto Top up facility can be cancelled on the Card as per the process mentioned in the benefits and features
guide included in the welcome pack or the Bank’s website.
3.6 The Go4it Platinum Card provides access to the Gold Class on the RTA Metro. For usage of the Go4it Platinum
Card on the RTA Metro, fare is deducted from the linked Nol Tag ID as per the Gold Class fares, even though 4.4 In case of activation or deactivation of the Auto Top up facility on the Card, a new Card plastic is issued to the
the Cardholder may be travelling in the Regular Class of the RTA Metro. This is governed by RTA Terms and Cardholder with the updated Auto Top up status. A replacement fee will be applicable, in such an instance,
Conditions and policies. as mentioned in the Credit Card Service and Price Guide.
3.7 The Go4it Gold Card provides access to the Regular Class on the RTA Metro. For usage of the Go4it Gold 4.5 RTA allows a maximum stored value of AED 500 on the Nol Tag ID. For all successful top ups, the top up
Card on the RTA Metro, fare is deducted from the linked Nol Tag Id as per the Regular Class fares. This is amount will reflect in the Nol Account balance only if the limit can accommodate the top up amount, else it
governed by RTA Terms and Conditions and policies. is placed on hold until the Nol limit gets released.
Page 3 > Emirates NBD > Personal Banking Emtirates NBD > Personal Banking > Page 4
2. GENERAL 3.8 The amount available on Nol Tag ID can be used only as per RTA Terms and Conditions. The balance cannot
2.1 The annual fee applicable on the Card, as mentioned in Bank’s Credit Card Service and Price Guide, is billed in be transferred to another Nol Tag ID.
the first statement generated after the issuance of the Card. Cardholders are liable to pay the fee irrespective
3.9 Any refund of the balance on Nol Tag ID, including Nol Tag ID and Nol Product (such as Monthly Pass), will be
of whether the Card is activated or not.
processed as per the RTA Terms and Conditions. There may be fee applicable for processing refunds. In case
2.2 All Go4it Cardholders are governed and bound by the Bank’s and RTA’s Terms and Conditions. The activation of refund, the balance on Nol Tag Id is posted in the form of credit on the Go4it Card account. The credit is
of Go4it Card and/or usage of NOL Tag ID linked to the Card constitutes an acceptance of the Bank’s Terms adjusted against any outstanding on the Card account.
and Conditions, as well as RTA and Nol Terms and Conditions as stated on the RTA website www.rta.ae.
3.10 The RTA Product such as Monthly Pass can be availed of by the Cardholder on the Go4it Gold Card. This
2.3 By signing on the application form and using the Go4it Card the Cardholder agrees to assigning rights to the Bank can be purchased by the Cardholder directly from RTA as per RTA procedures and Terms and Conditions.
to share Cardholder’s personal details with RTA and other program Partners for the fulfillment of the benefits The Monthly Pass is not available on the Go4it Platinum as per RTA Terms and Conditions.
and features on the Go4it Card. This sharing of data will be restricted only to the requirement for the effective
3.11 For any changes to the Cardholder’s personal details such as address and landline phone number, the
fulfillment of the benefits and features and will not assign rights to the Partner to market its own offer.
Cardholder will need to update the RTA records by calling the RTA helpline (800 90 90). Any changes to the
2.4 The Cardholder also agrees to receiving communication and updates from RTA from time-to-time with respect to RTA Cardholder’s mobile number will be shared with RTA by the Bank.
related aspects of the Go4it Card. This will include confirmation on registration for Nol Auto Top up, confirmation
3.12 The Nol Tag ID linked to the Go4it Card is valid as per the date mentioned on the Go4it Card. Any balance
of the Nol Account Pin and confirmation on successful Auto Top up, among other such communication.
available on Nol Tag ID after the expiry date can be utilized as per RTA Terms and Conditions, however,
no fresh top ups can be done on the Nol Tag ID after the expiry.
3. NOL RELATED
3.1 All Cardholders who receive the Go4it Card based on the Bank’s Credit Card approval criteria and Terms and 4. AUTO AND MANUAL TOP UP
Conditions will automatically be assigned a new Nol Tag ID. The Cardholder’s Nol Tag ID will be mentioned
4.1 Nol Auto Top up facility is available subject to the Cardholders opting-in for the facility at the time of Card
on reverse of the Credit Card plastic.
3.2 An existing Nol Tag ID cannot be integrated with the Go4it Card.
4.2 A Nol Auto Top up instruction is initiated when the balance on Nol Tag ID reaches the threshold amount as
3.3 The Nol Tag ID is unique to the Card plastic and will change in case of Card replacement due to any reason. defined in the benefits and features guide or the Bank’s website. The Cardholder can choose the Nol Auto
Top up plan from the available Auto Top up plans as stated by the Bank during Card application or on the
3.4 Cardholder needs to ensure that the required balance is available, either through Auto Top up or Manual Top customer service helpline. The Nol Auto Top up plan cannot be customized or offered on a select basis.
up, prior to using the Nol Tag ID.
4.3 For Cardholders who have activated the Auto Top up facility, the Auto Top up will get triggered even in case
3.5 The Bank is not responsible for any loss arising due to loss of Go4it Card and subsequent misuse of the Nol Tag ID. the Go4it Card has not been activated. The Cardholder is liable to pay for all top ups initiated on the Card.
Protection of the Go4it Card to prevent any misuse is the responsibility of the Cardholder. Auto Top up facility can be cancelled on the Card as per the process mentioned in the benefits and features
guide included in the welcome pack or the Bank’s website.
3.6 The Go4it Platinum Card provides access to the Gold Class on the RTA Metro. For usage of the Go4it Platinum
Card on the RTA Metro, fare is deducted from the linked Nol Tag ID as per the Gold Class fares, even though 4.4 In case of activation or deactivation of the Auto Top up facility on the Card, a new Card plastic is issued to the
the Cardholder may be travelling in the Regular Class of the RTA Metro. This is governed by RTA Terms and Cardholder with the updated Auto Top up status. A replacement fee will be applicable, in such an instance,
Conditions and policies. as mentioned in the Credit Card Service and Price Guide.
3.7 The Go4it Gold Card provides access to the Regular Class on the RTA Metro. For usage of the Go4it Gold 4.5 RTA allows a maximum stored value of AED 500 on the Nol Tag ID. For all successful top ups, the top up
Card on the RTA Metro, fare is deducted from the linked Nol Tag Id as per the Regular Class fares. This is amount will reflect in the Nol Account balance only if the limit can accommodate the top up amount, else it
governed by RTA Terms and Conditions and policies. is placed on hold until the Nol limit gets released.
4.6 The Auto Top up gets triggered from Metro gates and Parking Meters only. It will not get triggered from other 6. LIFE INSURANCE
RTA Transport modes, even if the balance reaches the threshold. The Cardholder is responsible to ensure that 6.1 The Life Insurance is offered complementary by the Bank for the Primary Cardholder only. The Life Insurance
the Nol Tag ID has the balance available to complete the intended journey smoothly. coverage is as per the details mentioned in the benefits and features guide included with the welcome pack,
or the Life Insurance certificate issued to the Cardholder by the Bank or stated on the Bank’s website. For claim
4.7 It can take up to 48 hours, from the time of Auto or Manual Top up request, for the topped up amount to
related purpose the Life Insurance cover will be as per the Life Insurance certificate issued to the Cardholder.
reflect in the Nol Tag ID balance.
6.2 The Life Insurance cover is valid only when at least one retail transaction or one payment is made on the Card
4.8 Auto Top up will get initiated even if credit limit on the Card is insufficient. In such case, the Card account
Account in a period of 3 months prior to the claim.
will reach over the assigned limit and Cardholder will be liable to pay the over limit charges as stated in the
Credit Card Service and Price Guide. 6.3 The Life Insurance is a group cover policy and the Bank is acting as distributor of Life Insurance on behalf of
4.9 The Bank is not liable in case the Auto Top up request fails due to a technical failure either in Bank’s systems ‘National General Insurance’ (NGI). Any claims regarding the insurance policy should be addressed to NGI.
of RTA systems. The Cardholder hereby waives any claim, action or remedy against any of the Bank’s directors, officers and
employees in relation to any loss, damages that the Cardholder may suffer in relation to insurance policy or
4.10 The Auto Top up option will automatically get de-activated 7 days prior to the expiry of the Card. any act, omission or negligence by the insurance agency in relation hereto.
6.4 The Life Insurance benefit is governed by the detailed policy as stated on the Bank’s website
5. SALIK AUTO TOP UP www.emiratesnbd.com/cards.
5.1 Salik Auto Top up facility is available subject to the Cardholders opting-in for the facility at the time of Card
7. LIFESTYLE PROTECTOR INSURANCE
5.2 A Salik Auto Top up instruction is initiated when the balance on Salik account reaches the threshold amount 7.1 The Lifestyle Protector Insurance is offered complementary to the Cardholder by the Bank for the first two (2)
as defined in the benefits and features guide or the Bank’s website. The Cardholder can choose the Salik Auto months i.e. for the first two (2) billing cycles. The insurance covers the Primary Cardholder as per the coverage
Top up plan from the available Auto Top up plans as stated by the Bank during Card application or on the mentioned in the benefits and features guide included with the welcome pack, or the Lifestyle Protector
customer service helpline. The Salik Auto Top up plan cannot be customized or offered on a select basis. Insurance certificate issued to the Cardholder by the Bank or as stated on the Bank’s website. For claim related
purpose the Lifestyle Protector Insurance cover will be as per the certificate issued to the Cardholder.
5.3 The Cardholder is liable to pay for all top ups initiated on the Card. Auto Top up facility can be cancelled on
the Card as per the process mentioned in the benefits and features guide included in the welcome pack or the
Bank’s website. 7.2 Cardholder may choose to cancel the Lifestyle Protector Insurance by calling the Bank’s customer helpline. In
case the Cardholder continues with the Lifestyle Protector Insurance cover, premium will be applicable from
5.4 It can take up to 48 hours, from the time of Auto Top up request, for the topped up amount to reflect in the the third (3rd) Card Statement, as per the prevailing charges as stated in the Bank’s Credit Card Service and
Salik account balance. Price Guide.
5.5 The Salik Auto Top up will fail if the credit limit on the Card is insufficient. The Cardholder is responsible to 7.3 Cardholder cannot opt into the Lifestyle Protector Insurance again once cancelled.
make alternative arrangements for Salik account top up to avoid fines from RTA due to insufficient balance
in Salik account. 7.4 Any fee or charges paid towards the Lifestyle Protector Insurance cover is not reversible, even in case the
Cardholder later opts-out of the facility.
5.6 The Bank brings the Salik Auto Top up facility on a best-effort basis. The Bank is not liable in any case if the
Salik Auto Top up request fails due to a technical failure either in Bank’s systems of RTA systems or due to 7.5 Premium for Lifestyle Protector is charged based on the Current Balance in the Card Statement.
insufficient credit limit on the Cardholder’s Card Account. 7.6 The Lifestyle Protector Insurance is a group cover policy and the Bank is acting as distributor of Life Insurance on
behalf of ‘Royal and Sun Alliance’ (RSA). Any claims regarding the insurance policy shall be addressed to RSA.
4.6 The Auto Top up gets triggered from Metro gates and Parking Meters only. It will not get triggered from other 6. LIFE INSURANCE
RTA Transport modes, even if the balance reaches the threshold. The Cardholder is responsible to ensure that 6.1 The Life Insurance is offered complementary by the Bank for the Primary Cardholder only. The Life Insurance
the Nol Tag ID has the balance available to complete the intended journey smoothly. coverage is as per the details mentioned in the benefits and features guide included with the welcome pack,
or the Life Insurance certificate issued to the Cardholder by the Bank or stated on the Bank’s website. For claim
4.7 It can take up to 48 hours, from the time of Auto or Manual Top up request, for the topped up amount to
related purpose the Life Insurance cover will be as per the Life Insurance certificate issued to the Cardholder.
reflect in the Nol Tag ID balance.
6.2 The Life Insurance cover is valid only when at least one retail transaction or one payment is made on the Card
4.8 Auto Top up will get initiated even if credit limit on the Card is insufficient. In such case, the Card account
Account in a period of 3 months prior to the claim.
will reach over the assigned limit and Cardholder will be liable to pay the over limit charges as stated in the
Credit Card Service and Price Guide. 6.3 The Life Insurance is a group cover policy and the Bank is acting as distributor of Life Insurance on behalf of
4.9 The Bank is not liable in case the Auto Top up request fails due to a technical failure either in Bank’s systems ‘National General Insurance’ (NGI). Any claims regarding the insurance policy should be addressed to NGI.
of RTA systems. The Cardholder hereby waives any claim, action or remedy against any of the Bank’s directors, officers and
employees in relation to any loss, damages that the Cardholder may suffer in relation to insurance policy or
4.10 The Auto Top up option will automatically get de-activated 7 days prior to the expiry of the Card. any act, omission or negligence by the insurance agency in relation hereto.
6.4 The Life Insurance benefit is governed by the detailed policy as stated on the Bank’s website
5. SALIK AUTO TOP UP www.emiratesnbd.com/cards.
5.1 Salik Auto Top up facility is available subject to the Cardholders opting-in for the facility at the time of Card
7. LIFESTYLE PROTECTOR INSURANCE
5.2 A Salik Auto Top up instruction is initiated when the balance on Salik account reaches the threshold amount 7.1 The Lifestyle Protector Insurance is offered complementary to the Cardholder by the Bank for the first two (2)
as defined in the benefits and features guide or the Bank’s website. The Cardholder can choose the Salik Auto months i.e. for the first two (2) billing cycles. The insurance covers the Primary Cardholder as per the coverage
Top up plan from the available Auto Top up plans as stated by the Bank during Card application or on the mentioned in the benefits and features guide included with the welcome pack, or the Lifestyle Protector
customer service helpline. The Salik Auto Top up plan cannot be customized or offered on a select basis. Insurance certificate issued to the Cardholder by the Bank or as stated on the Bank’s website. For claim related
purpose the Lifestyle Protector Insurance cover will be as per the certificate issued to the Cardholder.
5.3 The Cardholder is liable to pay for all top ups initiated on the Card. Auto Top up facility can be cancelled on
the Card as per the process mentioned in the benefits and features guide included in the welcome pack or the
Bank’s website. 7.2 Cardholder may choose to cancel the Lifestyle Protector Insurance by calling the Bank’s customer helpline. In
case the Cardholder continues with the Lifestyle Protector Insurance cover, premium will be applicable from
5.4 It can take up to 48 hours, from the time of Auto Top up request, for the topped up amount to reflect in the the third (3rd) Card Statement, as per the prevailing charges as stated in the Bank’s Credit Card Service and
Salik account balance. Price Guide.
5.5 The Salik Auto Top up will fail if the credit limit on the Card is insufficient. The Cardholder is responsible to 7.3 Cardholder cannot opt into the Lifestyle Protector Insurance again once cancelled.
make alternative arrangements for Salik account top up to avoid fines from RTA due to insufficient balance
in Salik account. 7.4 Any fee or charges paid towards the Lifestyle Protector Insurance cover is not reversible, even in case the
Cardholder later opts-out of the facility.
5.6 The Bank brings the Salik Auto Top up facility on a best-effort basis. The Bank is not liable in any case if the
Salik Auto Top up request fails due to a technical failure either in Bank’s systems of RTA systems or due to 7.5 Premium for Lifestyle Protector is charged based on the Current Balance in the Card Statement.
insufficient credit limit on the Cardholder’s Card Account. 7.6 The Lifestyle Protector Insurance is a group cover policy and the Bank is acting as distributor of Life Insurance on
behalf of ‘Royal and Sun Alliance’ (RSA). Any claims regarding the insurance policy shall be addressed to RSA.
The Cardholder hereby waives any claim, action or remedy against any of the Bank’s directors, officers and ‫تخضع ميزة التأمين على أسلوب الحياة للوثيقة المفصلة كما هي واردة في موقع البنك على اإلنترنت‬ 7.7
employees in relation to any loss, damages that the Cardholder may suffer in relation to insurance policy or www.emiratesnbd.com/cards
any act, omission or negligence by the insurance agency in relation hereto.
‫بلس بوينتس‬/‫ المكافآت‬.8
7.7 The Lifestyle Protector Insurance benefit is governed by the detailed policy as stated on the Bank’s website
‫ أضعاف النقاط المكتسبة عن كافة المنصرفات‬5 ‫يسمح برنامج المكافآت بالس بوينتس على بطاقة “انطلق معها” باكتساب‬ 8.1
www.emiratesnbd.com/cards.
‫ حسب التوقيت المحلي‬23:59 ‫ حتى السبت الساعة‬00:01 ‫ يتم تعريف نهاية األسبوع من يوم الجمعة‬.‫في نهاية األسبوع‬
‫ أضعاف نقاط بالس بوينتس طالما تم إجراؤها خالل‬5 ‫ سوف تكتسب المعامالت الدولية أيضا‬.‫لدولة اإلمارات العربية المتحدة‬
8. REWARDS/PLUS POINTS .‫الفترة المحددة‬
8.1 The Plus Points rewards programme on the Go4it Card allows for 5 times earnings for all spends during the ‫ مع ذلك يتم منح بالس بوينتس فقط على المعامالت‬،‫يرجى مالحظة أن المعامالت تعتبر على أنها تستند إلى تاريخ المعاملة‬ 8.2
weekend. A weekend is defined starting from Friday 00:01 hours until Saturday 23:59 hours, based on local .‫التي تظهر على كشف حساب البطاقة بشكل نهائي‬
time in UAE. International transactions will also earn 5 times Plus Points, as long as they are made within the
defined time period. ‫ قد‬.‫يتم عرض بالس بوينتس كأعداد صحيحة على قناة البنك للخدمات المصرفية اإللكترونية وكشف حساب البطاقة الشهري‬ 8.3
.‫تكون هنالك اختالفات في الملخص المعروض نسبة للتقريب إلى أقرب عدد صحيح‬
8.2 Please note that transactions are considered based on the transaction date, however, Plus Points are awarded
only for transactions finally posted to your Card Statement. .‫يمكن استرداد بالس بوينتس بأعداد صحيح‬ 8.4
8.3 Plus Points are displayed as whole numbers on the Bank’s Internet Banking channel and the monthly Card Statement. ‫يخضع برنامج بالس بوينتس لشروط وأحكام بالس بوينتس المفصلة كما هي واردة في موقع البنك على اإلنترنت‬ 8.5
There may be variations in the summary display due to the rounding-off to the nearest whole number. www.emiratesnbd.com/cards
8.4 Plus Points can be redeemed only in whole numbers.

8.5 The Plus Points programme is governed by detailed Plus Points Terms and Conditions as stated on the Bank’s
website www.emiratesnbd.com/cards.
Page 7 > Emirates NBD > Personal Banking ‫ < بنك اإلمارات دبي الوطني < الخدمات المصرفية الشخصية‬7 ‫صفحة‬

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Credit Cards

Credit Cards Terms & Conditions

Page 2 > Emirates NBD > Personal Banking

Emtirates NBD > Personal Banking > Page 3

Month means calendar month according to the Gregorian calendar.

Page 4 > Emirates NBD > Personal Banking

Primary Card means a Card belonging to a Primary Cardholder.

Purchase means a Card Transaction other than a Cash Advance.

Supplementary Card means a Card belonging to a Supplementary Cardholder.

2. THE TERMS OF ISSUING THE CARD

Emtirates NBD > Personal Banking > Page 5

3. THE TERMS OF USING THE CARD

Page 6 > Emirates NBD > Personal Banking

Emtirates NBD > Personal Banking > Page 7

5. THE TERMS OF CASH ADVANCE TRANSACTIONS

Page 8 > Emirates NBD > Personal Banking

6. THE TERMS OF PAYMENTS

Emtirates NBD > Personal Banking > Page 9

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Emtirates NBD > Personal Banking > Page 11

7. SUPPLEMENTARY CARD ISSUANCE AND CARDHOLDER’S LIABILITY

Page 12 > Emirates NBD > Personal Banking

9. EXEMPTIONS AND EXCLUSIONS

Emtirates NBD > Personal Banking > Page 13

10. DISCLOSURE OF INFORMATION

Page 14 > Emirates NBD > Personal Banking

Emtirates NBD > Personal Banking > Page 15

14. GENERAL TERMS

Page 16 > Emirates NBD > Personal Banking

15. CARD CONVERSION

Emtirates NBD > Personal Banking > Page 17

16. PLUS POINTS

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Emtirates NBD > Personal Banking > Page 19

Page 20 > Emirates NBD > Personal Banking

Emtirates NBD > Personal Banking > Page 21

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‫شروط وأحكام بطاقات ائتمان‬ Emirates NBD Go4it Program

Emtirates NBD > Personal Banking > Page 2

8.4 Plus Points can be redeemed only in whole numbers.

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