Visa Flexi Credit Card review
Rather than a fixed package, the card hands control to the cardholder: you select 3 travel, 2 lifestyle and 1 entertainment benefit from options spanning lounges, airport transfers, Careem credit, golf, streaming and dining. Retail spending earns up to 1.5 Plus Points per AED 100, redeemable for cashback, travel or gift cards.
Travel is well covered, with complimentary access to more than 900 airport lounges available among the choices. A 1.99% foreign currency fee applies on overseas purchases.
With no annual fee and a AED 12,000 salary requirement, it appeals to customers who value flexibility and want to build a benefit set around their own routine.
Card details
| Bank | Emirates NBD |
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| Card type | Lifestyle |
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| Card network | Visa |
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| Minimum salary | AED 12,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free with no annual fee |
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| Interest (monthly) | 3.25% |
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| Reward type | Plus Points |
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| Reward rate | Up to 1.5 Plus Points for every AED 100 of retail spendA choose-your-benefits card that lets you select 3 travel, 2 lifestyle and 1 entertainment benefit, with Plus Points earned on retail spend Benefits are customisable across lounges, airport transfers, Careem credit, golf, streaming and dining; Plus Points can be redeemed for cashback, travel or gift cards; a 1.99% foreign currency transaction fee applies |
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| Lounge access | Complimentary access to over 900 airport lounges |
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| Quick cash | Draw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer. |
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| Balance transfer | Balance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing |
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| Instalment plan | 0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05% |
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Visa Flexi Credit Card benefits
✓Earn up to 1.5 Plus Points per AED 100 of retail spend
✓Personalise the card to fit your lifestyle
✓Complimentary access to 900+ airport lounges
✓Pick 3 travel, 2 lifestyle and 1 entertainment benefit
✓No annual fee
Offers and payment options
Quick cashDraw a cash advance of up to 50% of your credit limit (fee of 3.15% of the amount or AED 103.95, whichever is higher); Loan on Card and Advance Loan on Card (ALOC) options are also available upto 90% and you can make payments in installment. Wheather interest rate or only processing fees depends on bank offer.
Balance transferBalance transfers on standard Emirates NBD terms, either 0% with a processing fee or interest-bearing
Instalment plan0% and interest-bearing Easy Payment Plans (EPP) are offered; the 0% IPP carries a processing fee of AED 51.45 per transaction (interest-bearing up to 3.46% reducing per month); early settlement fee 1.05%
Visa Flexi Credit Card fees & charges
| Annual percentage rate (APR) | 39.00% p.a. |
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| Cash advance fee | 3.15% of cash advance amount or AED 103.95 whichever is higher |
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| Late payment fee | AED 241.50 per month |
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| Over-limit fee | AED 292.95 per month |
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| Foreign currency fee | 1.99% of transaction amount (plus approx 1.15% Visa/Mastercard processing) |
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| Minimum payment | 5% of current balance outstanding or AED 100, whichever is higher, plus any installments/insurance/overdue/overlimit in full |
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| Interest-free period | Up to 55 days for Retail Purchases |
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| Card replacement fee | AED 21.00 (AED 52.50 for Go4it cards) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card is ideal for customers who want to hand-pick their own card benefits without paying an annual fee.
What works well
- ✓No annual fee
- ✓Personalise benefits to your lifestyle
- ✓Access to 900+ airport lounges as an option
What to weigh up
- −Modest earn of 1.5 points per AED 100
- −Benefits are limited to the selections you choose
Visa Flexi Credit Card eligibility
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is required
▤Emirates ID▤Passport▤Salary certificate or last 3 months payslips▤bank statements (last 3-6 months) may be required
Visa Flexi Credit Card FAQs
Open to UAE residents aged 21 and over earning at least AED 12,000 a month; an Emirates ID is required
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Up to 1.5 Plus Points for every AED 100 of retail spend
This card is ideal for customers who want to hand-pick their own card benefits without paying an annual fee.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
