NBAD GEMS Credit Card

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Intro offer
Get a bonus 100 Air Arabia Dirhams worth AED 100 on making the first payment on your card
  • Overall
  • Service
  • Products
  • No Annual Fee
  • Airmiles
This is great for
  • Discounts on Reel Cinemas and Cine Royal
  • Education card - Up to 9% of tuition discount at GEMS schools in UAE.
  • Optional GEMS prepaid card for the kids
Be Aware
  • Foreign exchange fee applicable when you spend overseas

The Basics
  • 2.75%

    Interest Rate
    Up to 56 days interest free period. 5% outstanding balance or AED 100 minimum payment whichever is highest
  • 5,000

    Minimum Salary (AED)
    You require a minimum salary of AED 5,000 per month to be eligible for this card
  • 0

    Annual Fee
    There is no annual fee on this card
  • Balance Transfer

    Repayment Plan 1 (up to 11 months) : 0% interest free for the 1st 3 months then 1.5% flat per month; Repayment Plan 2 (up to 24 months) : 0% interest free for the 1st 6 months then 1.5% flat per month
  • 2.75 %

    Foreign Exchange (FX)
    The foreign currency rate applicable on overseas transactions is 2.75%
  • No

    No cashback is rewarded for this card

Main Benefit
The credit card gives discounts at any of the 29 GEMS schools in the UAE (applicable only if a minimum of three months’ worth of tuition fees are paid in advance) ; 0% Easy payment plan for 12 months; Child Education protection for up to 10 years or AED 2 million for four children; Optional GEMS Prepaid card for your children with options to set limits and restrict cash withdrawals; SMS alerts on every spend; Airport Lounge access in Dubai, Kuwait, Cairo, Jeddah and Riyadh; Emergency roadside assistance; Free purchase protection; Credit Shield Plus; Discount on movie tickets at Reel Cinema in Dubai and Cine Royal in Abu Dhabi
1.5 NBAD star for AED 1 spend and redeem through NBAD partners or for Skyward Miles, Etihad Guest Miles, NBAD Stars Card, Flydubai E-voucher and tickets for any airline at NBAD Stars Travel portal

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Latest Reviews for GEMS Credit Card

I m very impressed about benefits of card lots of rewards and easy transfer free of interest and also no annual fee. I suggest to my friends all cards from NBAD.

Posted by Aamir Abbas Shah on
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  • Service
  • Products

Card benefits is great and useful, call center, customer service @ most of the branches are terrible, the statement not clear @ all and no one able to explain it to the client

Posted by AbouHamza on
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  • Products

good dicounts for school fees

Posted by vinaya on
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  • Service
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We get discount on school fees - NBAD is tied up with the school and gives parents online banking so easy payments.

Posted by M.A. Rauf on
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