How to Redeem Emirates NBD Plus Points (6 Ways)
Emirates NBD Plus Points reward everyday credit card spending across retail, dining, and travel. Enrolment is automatic upon activating any eligible Emirates NBD credit card — no separate sign-up needed. Plus Points don’t expire as long as your card account remains open and in good standing.
Redemption values vary depending on how you claim your rewards. Partner retail purchases, Nol top-ups, education fees, and donations convert at full parity (1 Point = 1 AED), while statement cashback and Rewards Hub redemptions (flights, hotels, gift cards, Apple products, dining/experiences) convert at 1 Point = 0.75 AED.
Emirates NBD’s mobile banking app is now called ENBD X, and since June 2026 it includes Rewards Hub — a marketplace for redeeming points against travel, gift cards, Apple products, and experiences.
Quick Comparison: Plus Points Redemption Rates
| Redemption Method | Conversion Value | Minimum Required | Where to Redeem | Processing Time |
|---|---|---|---|---|
| Partner Stores (In-Store) | 1 Point = 1.00 AED | None | Checkout POS Terminal | Instant |
| Nol Card Top-Up | 1 Point = 1.00 AED | Varies by card | ENBD X App | Instant |
| School & University Fees | 1 Point = 1.00 AED | 100 Points | Online Redemption Request | Up to 7 business days |
| Donations (Priceless Planet Coalition or Emirates Humanitarian Fund) | 1 Point = 1.00 AED | 100 Points | Online Campaign Portal | Up to 7 business days |
| Statement Cashback | 1 Point = 0.75 AED | 500 Points, min. AED 375 outstanding | ENBD X App | Instant |
| Rewards Hub (Flights, Hotels, Gift Cards, Apple, Experiences) | 1 Point = 0.75 AED | Varies | Rewards Hub (ENBD X) | Instant – 7 business days |
1. In-Store Partner Purchases
Spend your points directly at checkout at hundreds of participating retail, dining, and lifestyle outlets across the UAE.
- Inform the cashier you want to pay using Plus Points before tapping or inserting your card.
- Insert or swipe the physical plastic card — mobile wallets (Apple Pay/Google Pay) don’t support terminal-level point redemptions.
- Select “Loyalty” or “Redeem Points” on the payment terminal.
- Confirm the value to offset and complete the transaction.
Emirates NBD doesn’t publish a fixed public list of participating stores — availability is shown at checkout, so confirm with staff before assuming a specific retailer qualifies.
2. Nol Card Top-Up
Redeem points at full 1:1 value to recharge your transit card for Dubai Metro, buses, trams, waterbuses, and public parking.
- Log in to the ENBD X app.
- Select your credit card, then tap Manage Rewards (or Plus Points available).
- Under the redemption menu, choose Nol Top-Up.
- Enter your Nol tag/card number.
- Enter the points to redeem and confirm.
Value tip: Nol balances are accepted at Zoom convenience stores, ENOC/EPPCO fuel stations, and select grocery marts — a way to use points at full 1:1 value rather than the reduced 0.75 rate that applies to direct cashback.
- Go4it-linked Nol card limit: up to 5,000 points
- Standard RTA Nol card limit: up to 1,000 points
3. Statement Cashback (Bill Payment)
Offset your credit card balance directly through the app once you’ve reached at least 500 points and have an outstanding balance of at least AED 375.
- Log in to the ENBD X app.
- Tap your card, then Manage Rewards (or Plus Points available).
- Tap Cashback / Bill Payment.
- Enter the points to redeem (minimum 500) and review the AED value.
- Confirm — credit is typically applied instantly.
Rate note: Cashback converts at 1 Plus Point = 0.75 AED, not 1:1. 1,000 points yields AED 750 in statement credit, not AED 1,000.
4. School & University Tuition Fees
Offset education expenses charged to your Emirates NBD credit card at full 1:1 value.
- Pay the tuition or school fee as a normal transaction on your eligible credit card.
- Once the payment posts, request Plus Points redemption (a partial offset is allowed).
- You’ll be notified by SMS once processed; the credit reflects on your next statement, within 7 working days.
- Minimum 100 points required.
5. Charitable Donations
Two donation options are currently available, both at 1:1 value:
- Priceless Planet Coalition — supports mangrove restoration in the UAE in partnership with Emirates Nature-WWF and Emirates Red Crescent. Visit the Priceless Planet donation page, enter your card details, verify via SMS OTP, and choose your donation amount (minimum 100 points).
- Emirates Humanitarian Fund — accessible via the donation link on Emirates NBD’s redemption page.
Both process within roughly 7 working days, and you’ll be notified by SMS once complete.
6. Rewards Hub — Flights, Hotels, Gift Cards, Apple, Experiences
Launched on ENBD X in June 2026, Rewards Hub consolidates several redemption options in one place:
- Flights and hotels — book travel, paying fully or partly with points
- Digital gift cards — instant redemption across partner retail brands
- Apple products — redeem points toward Apple Store purchases, alone or combined with card payment
- Dining and experiences — curated local experiences and offers
- Frequent flyer miles — transfer points to partner airline loyalty programmes; once transferred, that airline’s own terms and validity rules apply, not Emirates NBD’s
All Rewards Hub redemptions use the 1 Point = 0.75 AED rate.
- Open ENBD X and go to Rewards Hub.
- Choose a category (Flights, Hotels, Gift Cards, Apple Shop, Experiences, or Miles Transfer).
- Select your item and choose to pay fully with points, fully by card, or a split of both.
- Confirm your booking or purchase.
Which Credit Cards Earn Plus Points?
- Visa: Visa Infinite, Visa Platinum, Visa Flexi
- Mastercard: Mastercard Platinum, Mastercard Titanium
- Co-branded & Specialty: Go4it Platinum, Go4it Gold, Duo, Diners Club, WebShopper, Business Credit Card
Only retail spends earn Plus Points. Loans on your card, cash advances, bank fees and charges, balance transfers, and 0% instalment payment plans don’t earn points. Emirates NBD debit cards don’t participate in the Plus Points programme — it’s credit cards only.
Points-to-AED quick reference:
| Points Redeemed | 1:1 Value (AED) — In-Store, Nol, School Fees, Donations | 0.75 Value (AED) — Statement Cashback, Rewards Hub |
|---|---|---|
| 100 | 100 AED | Below 500 pt minimum |
| 500 | 500 AED | 375 AED |
| 1,000 | 1,000 AED | 750 AED |
| 2,500 | 2,500 AED | 1,875 AED |
| 5,000 | 5,000 AED | 3,750 AED |
Key Program Rules & Limits
- Monthly statement earning caps apply and vary by card. Confirmed directly from Emirates NBD: Priority Banking Visa Infinite is capped at 5,000 points per statement (60,000/year), and WebShopper is capped at 500 points per statement. Other cards (Visa Infinite, Visa Platinum, Mastercard Platinum, Go4it, Diners Club, Duo, Mastercard Titanium) also carry per-statement caps — Emirates NBD’s own card pages confirm a cap applies but don’t list the exact figure publicly; check your specific card’s terms page for the precise number before relying on any mid-tier figure.
- Redemption requests can only be made by the primary cardholder, using the primary card. Points earned on supplementary cards pool automatically into the primary cardholder’s balance.
- If your card is replaced, upgraded, or reissued, your points balance transfers automatically to the new card.
Frequently Asked Questions
Do Emirates NBD Plus Points expire?
No, as long as your credit card account remains active and in good standing.
Can a supplementary cardholder submit a redemption request?
No. All redemption requests must come from the primary cardholder. Points earned on supplementary cards automatically pool into the primary account.
What is the minimum balance required for cashback redemption?
500 Plus Points, converting to AED 375 at the 1 Point = 0.75 AED rate — not AED 500.
Do all redemption methods use the same conversion rate?
No. In-store purchases, Nol top-ups, education fees, and donations redeem at 1 Point = 1 AED. Cashback and Rewards Hub redemptions (flights, hotels, gift cards, Apple, experiences) redeem at 1 Point = 0.75 AED.
How do I check my Plus Points balance?
Send an SMS reading REWARDS followed by the last 4 digits of your card (e.g., REWARDS 1234) to 4455, or check live in the ENBD X app.
How do I contact support for missing reward points?
Email [email protected] or call 800 739 2737 (800-REWARDS).
