Emirates NBD Visa Flexi
Build your own perks: 6 of 12 benefits, no annual fee
at Emirates NBD's secure site
See rates & fees.
Rewards rate
"Think of the Flexi as a perks card that happens to earn points. Lounge access, a roaming eSIM and airport transfers on a free card at 12,000 salary is a combination nobody else really offers — just pick your six benefits deliberately, pay in full every month, and ignore the points."
Earning and redeeming Plus Points
The Flexi earns 1.5 Plus Points per 100 on retail spend — the bank markets it as 1.5% rewards — with ENBD's standard penalty buckets: 0.4 points per 100 at supermarkets, groceries, insurance and car dealerships, and 0.2 on fuel, utilities, real estate and education. A per-statement cap applies and isn't published.
Points redeem instantly at key merchant outlets at the point of sale. But the card's value lives in the Choose Your Benefits flow: 3 of 5 travel benefits (900+ lounges, Global Blue tax refunds, airport transfers, flight-delay lounges, 3GB eSIM), 2 of 4 lifestyle perks (Careem discounts, golf, SupperClub, concierge) and 1 of 3 entertainment treats (Anghami, STARZPLAY, VOX). Choose for your actual life, not the brochure.
Rates and fees
- Joining fee
- 0 under the current offer
- Annual fee
- 0 under the current offer — the Feb 2026 price guide lists a standard 735 fee, so the waiver could end
- Interest rate
- 3.69% per month per the price guide (card page says up to 3.25%); 3.25% for UAE Nationals
- Interest-free period
- Up to 55 days when the full balance is paid
- Foreign transaction fee
- 1.99% currency conversion, plus roughly 1.15% Visa processing
- Cash advance fee
- 3.15% of the amount (minimum 103.95)
- Late payment fee
- 241.50 per month
- Over-limit fee
- 292.95 per month
- Minimum payment
- 5% of the outstanding balance or 100, whichever is higher
- Minimum salary
- 12,000 per month
Figures from the Emirates NBD Key Facts Statement (08/2026) and Credit Card Services and Price Guide (February 2026); all fees include 5% VAT. Verify on the bank's site before applying.
Card benefits
900+ lounges (pickable)
Complimentary access to over 900 airport lounges worldwide — one of 5 travel benefits, of which you choose 3.
3GB roaming eSIM (pickable)
A complimentary eSIM with 3GB of global data — the most quietly useful travel pick.
Airport transfers (pickable)
Complimentary transfers to the airport and back, plus a separate flight-delay lounge option.
Golf or Careem (pickable)
Lifestyle picks include complimentary UAE golf rounds and Careem discounts on rides, food and groceries.
SupperClub or concierge (pickable)
A 12-month SupperClub Signature Premium Dining membership, or complimentary concierge assistance.
Always-on protections
Purchase protection, extended warranty, DoubleSecure, medical & travel assistance and 24/7 roadside assistance come standard.
Pros and cons
- No joining or annual fees under the current offer
- You assemble the perks yourself — 3 of 5 travel, 2 of 4 lifestyle, 1 of 3 entertainment
- Lounge access to 900+ airport lounges is available on a card with a 12,000 salary bar
- Practical travel picks like a free 3GB roaming eSIM, airport transfers and Global Blue tax-refund perks
- Purchase protection and extended warranty included
- 3.69% monthly interest per the bank's price guide — expensive if you carry a balance
- Ordinary earn rates: 1.5 points per 100 with 0.4% and 0.2% penalty buckets on essentials
- The no-fee deal is a current offer; the price guide lists a standard 735 annual fee
- Benefit quotas (lounge visits, transfer counts, Careem discount amounts) are not published
- No welcome bonus
Is it right for you?
Get this card if
- You want lounge access and travel perks without paying an annual fee
- Your salary is 12,000+ and this is your first or second card
- You'll take five minutes to pick the 6 benefits that match how you actually live
Consider skipping it if
- You carry a balance — 3.69% a month is among the priciest in the market
- You want maximum rewards on groceries, fuel and bills — penalty rates apply here
- You expect all 12 perks — you only get 6, and quotas aren't published
Alternatives to consider
Also fee-free under the current offer, with Bon Appétit's up to 30% off at 2,000+ restaurants built in.
See the ENBD Visa Platinum →
The Visa Infinite bundles lounge access with a guest, golf and concierge — for an 1,575 fee and 30,000 salary.
Best lounge access cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
How does choosing benefits on the Visa Flexi work?+
You personalise 6 benefits: choose 3 of 5 travel benefits (airport lounge access, Global Blue membership, airport transfers, flight-delay lounge access, 3GB global eSIM), 2 of 4 lifestyle perks (Careem discounts, golf, SupperClub dining membership, concierge) and 1 of 3 entertainment treats (Anghami 6 months, STARZPLAY 3 months, VOX Cinemas discounts).
Does the Visa Flexi have an annual fee?+
Under the bank's current exclusive offer there are no joining or annual fees. The bank's February 2026 price guide lists a standard AED 735 annual fee for the Flexi, so the waiver is an offer rather than a guaranteed free-for-life feature.
What is the minimum salary required?+
AED 12,000 per month.
Does the card include airport lounge access?+
Yes, if you select it: complimentary access to over 900 airport lounges worldwide is one of the 5 travel benefits, of which you pick 3. There's also a separate flight-delay lounge option. Visit allowances are not published.
How many Plus Points does the card earn?+
1.5 Plus Points per AED 100 on retail spend (marketed as 1.5% rewards). Supermarkets, groceries, insurance and car dealerships earn 0.4%, and fuel, utility bills, real estate and education 0.2%. A per-statement earning cap applies; the amount is not published.
What is the interest rate?+
The bank's February 2026 price guide lists 3.69% per month for the Flexi (the card page says up to 3.25%). UAE Nationals pay 3.25% per month on all ENBD cards. Up to 55 interest-free days apply when you pay in full.
Can I change my chosen benefits later?+
The bank's card page doesn't state how often you can change your selection — check the Choose Your Benefits terms when applying.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.