| Minimum Salary | Salary Transfer | Islamic Finance | Cashback | Annual Fee | Rate | |
|---|---|---|---|---|---|---|
Emirates NBD noon One Visa Credit Card
|
Minimum Salary: AED 5,000 | Salary Transfer: No | Islamic Finance: No | Cashback: Yes | Annual Fee: AED 0 | Rate: 3.69% |
Key Benefits:
Get a welcome bonus of AED 500 when you spend a total of AED 5,000 on the card within the first 2 months (valid for customers new to the card).
Enjoy a completely free 1-year noon One subscription (giving you free delivery on noon, noon Food, and NowNow), with a 50% discount on subsequent yearly renewals.
High-Tier noon Platform Rewards:20% back as noon Credits on all orders with noon Food.; 10% back on grocery and quick-delivery orders through noon Now; 5% back on core purchases made at noon.com, Namshi, and Sivvi.
More Product Benefits:
Earn 1% back as noon Credits on all standard local and international retail spends outside of the noon network.
Buy-one-get-one-free tickets at VOX Cinemas (up to 3 free tickets per month), unlocked when your total monthly retail spend hits AED 3,500 or more.
Earnings are generously capped at a maximum of AED 2,000 in noon Credits per calendar month, resetting automatically on the first of each month.
Split major purchases made across noon platforms or participating external retailers into monthly interest-free payment timelines.
Offers built-in access to the Bon Appétit (dining deals), LiveWell (health and spa discounts), and GoodTimes (entertainment perks) discount programs.
Rates and Fees:
Free for Life.
International Transaction Fee: 1.99% of the transaction amount (applies to foreign currency and AED spent abroad).
Late Payment Fee: AED 241.50 per month
Over Limit Fee: AED 292.95 per cycle
Cash Advance Fee: 3.15% of the drawn amount or AED 103.95 (whichever is higher).
Credit Shield Pro Insurance (Optional): 1.04% monthly fee of your current outstanding balance.
Eligiblity & Requirements:
Minimum 21 years old.
Must be a valid resident of the UAE.
Salaried individuals or registered self-employed business owners.
Minimum Monthly Income: AED 5,000
Credit Profile: Subject to a clean credit score with the Al Etihad Credit Bureau (AECB) and no active credit card rejections within the past 6 months.
Documents Required:
Original Emirates ID and copy.
Valid Passport copy (including residence visa page for expatriates).
An undated signed security cheque aligned with your assigned credit limit.
For Salaried Individuals:
Latest salary certificate (issued within the last month).
Pay slips (required if your salary variance exceeds 10%).
Latest 3 months of original bank statements (or mini ATM statements showing salary transfers).
For Self-Employed Individuals:
Valid UAE Trade License.
Corporate Memorandum of Association (MOA) or Power of Attorney document.
Complete original corporate bank statements detailing the latest 3 months of business transaction history.
** Calculator Definitions
Amount:
The total amount of money borrowed, also referred to as the principal amount.
Rate (%):
This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years:
This is the original term or length of the product, stated in years.
Effective Monthly Payment:
This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%):
The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
