Emirates NBD Credit Card Cashback Offers: Save More on Your UAE Spending

When it comes to maximizing savings while spending, Emirates NBD credit cards stand out in the UAE market. With a wide range of cashback offers tailored to everyday needs like groceries, fuel, dining, and online shopping, these cards are designed to put money back into your pocket.

Whether you’re a frequent traveler, a family shopper, or an online spender, Emirates NBD has a cashback credit card to suit your lifestyle. In this comprehensive guide, we break down the top cashback offers, eligibility criteria, and tips to make the most of your card.

Why Choose an Emirates NBD Cashback Card?

Cashback cards from Emirates NBD offer a simple reward system: spend money and get a percentage of it back.

Key Benefits:

• Earn cashback on daily expenses like groceries and fuel

• Save on international purchases

• Cashback is automatically credited to your account

• Enjoy lifestyle perks like airport lounge access and travel insurance

Popular Emirates NBD Credit Cards with Cashback Offers

Here are some of the best cashback cards from Emirates NBD:

1. Emirates NBD LuLu 247 Mastercard Platinum

Perfect for regular shoppers at LuLu Hypermarket and fuel stations.

Cashback Benefits:

• 4% on LuLu store purchases

• 2% on fuel

• 1% on utility bill payments

• 0.5% on all other retail spends

Other Features:

• Free LuLu gift vouchers on activation

• No annual fee for the first year

• LuLu points can be redeemed as cashback or in-store discounts

2. Emirates NBD U By Emaar Credit Card

A great option for those who shop, dine, or stay at Emaar properties.

Cashback Equivalent:

• Earn Upoints on every purchase

• Redeem at Emaar brands: Dubai Mall, Reel Cinemas, Rove Hotels, and more

• Equivalent to up to 15% cashback in value when used strategically

3. Emirates NBD Go4it Gold/Platinum Card

Ideal for daily commuters using RTA services and spending in Dubai.

Cashback Features:

• Up to 10% cashback on RTA transactions

• Free access to RTA Nol card feature (dual use)

• Earn Go4it points redeemable for transit and shopping benefits

4. Emirates NBD Cashback Credit Card

This is a no-frills cashback card offering flexible returns across categories.

Cashback Breakdown:

• 5% on supermarket purchases

• 2% on education and utility bills

• 1% on international spend

• Up to AED 600 per month cashback limit

5. Emirates NBD Marriott Bonvoy World Mastercard

If you’re a frequent traveler, this card helps you earn Marriott Bonvoy points (convertible to cashback or hotel stays).

• 6 points per USD at Marriott properties

• Convert points to miles or cashback

• Enjoy airport lounge access and free hotel night vouchers

Cashback Redemption Process

Unlike points-based systems, Emirates NBD’s cashback cards automatically credit your cashback to your statement—usually every month.

How to Redeem:

1. Login to Emirates NBD Mobile App or Online Banking

2. Go to “Credit Cards”

3. Select your eligible cashback card

4. View accumulated cashback

5. Confirm auto-credit or redeem manually (if applicable)

Who Is Eligible?

To get approved for an Emirates NBD cashback credit card:

• You must be a UAE resident

• Minimum monthly salary usually starts from AED 5,000

• You need to provide:

  • Emirates ID

  • Passport copy with visa page

  • Salary certificate or bank statements

Cards with higher cashback percentages may have higher salary thresholds (e.g., AED 15,000+).

How to Apply

Online Application:

• Visit www.emiratesnbd.com

• Choose your card under “Credit Cards”

• Fill in your details and submit required documents

• A representative will contact you for verification

At a Branch:

• Visit any Emirates NBD branch across the UAE

• Apply directly with documents

• Get assistance in choosing the right card for your spending pattern

Tips to Maximize Emirates NBD Cashback

1. Understand your card category limits – cashback is capped monthly or by category.

2. Time your spending – large purchases at the start of billing cycle ensure timely cashback credit.

3. Use the app to track your spending and rewards.

4. Combine with Emirates NBD’s deals, like Buy 1 Get 1 on dining and cinema, for more savings.

5. Avoid using cashback cards for cash withdrawals — interest rates apply immediately.

Real-Life Example: Monthly Cashback Calculation

Suppose you have the Emirates NBD Cashback Credit Card and spend the following:

That’s AED 2,400 per year just by using the right card.

Are There Any Fees?

Some cashback cards may have an annual fee, waived during the first year or if you meet minimum spend requirements. Always read the fee structure:

Also consider late fees and interest charges if balances are not paid on time.

Final Thoughts

Emirates NBD cashback credit cards offer a practical way to make your everyday expenses work for you. Whether you’re refueling, shopping for groceries, or paying school fees, you can earn a portion of your spend back without changing your habits.

To make the most of it:

• Pick a card aligned with your lifestyle

• Monitor your monthly cashback limits

• Redeem or track rewards using the Emirates NBD mobile app

Saving money has never been so effortless in the UAE!