Our children grow so fast! From crawling to running, mumbling to speaking, learning to creating, it’s a miracle to watch them make our future. So when it comes to empowering this future, nothing matters more than education. Which is why we’ve tied up with GEMS Schools Education to bring you a credit card solution especially designed to help you give them a first-class education – both at school and in real life.

Every smart decision we make helps us grow in the right direction. Your NBAD GEMS Credit Card offers you a smart financing solution that is both flexible and comprehensive. So when it’s time to pay your GEMS school tuition fees, you’ll enjoy an incredible 11% discount (reducing balance) on advance payment of school tuition fees – something no other card can offer you. Meaning that a valuable education is now more value-driven than ever before. Additionally, the NBAD GEMS Credit Card allows you to manage tuition fees through a convenient 6-month 0% Easy Payment Plan. So you can enjoy peace of mind without jeopardising your responsibilities.
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Consistent growth is the key to a richer, more successful and fulfilling life. So when it comes to your children’s educational growth, the NBAD GEMS Credit Card offers ample financial support to see them through to graduation* should the unfortunate** take place. For a nominal charge of AED 28 a month per child, your NBAD GEMS Credit Card covers each of your children for AED 50,000 a year (up to AED 500,000 for 10 years), with maximum coverage of AED 2 million per parent for 4 children.
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*Or a maximum of 10 years (whichever is earlier). T&C apply
**Loss of life or permanent disability

Teaching your kids the value of money helps them grow to become financially responsible individuals. Which is why we designed a special NBAD GEMS Student Prepaid Card, with no annual fees, made especially for your kids that you can choose to take at any time.

This handy little card allows them to make purchases in and outside school. The NBAD GEMS Student Prepaid Card is also completely safe since it allows you to set a daily spending limit and it can’t be used for cash withdrawals. Featuring SMS alerts to keep your mind at ease, and loads of great offers to keep them busy, the NBAD GEMS Student Prepaid Card is a fun way to turn your kids into responsible spenders.
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Earn and redeem loads of NBAD Stars
With every AED 1 you spend through your NBAD GEMS Credit Card, you’ll earn 1.5 NBAD Stars that can be redeemed at any of our exciting retail partners.

Please visit https://stars.nbad.ae or call our toll free number 800 2211 for complete partner listings and ways in which you can redeem your NBAD Stars.

Swipe for the sky
Your NBAD GEMS Credit Card won’t give you wings, but it can help you fly when you redeem your earned points for Skywards Miles at Emirates Airlines or flydubai e-vouchers.

Rewards around every corner
We’ve tied up with some of the UAE’s most exciting outlets to bring you and your kids a world of fun. Simply by using your NBAD GEMS Credit Card, you’ll enjoy an evergrowing list of unforgettable experiences. Here’s what we have so far – don’t forget to visit www.nbad.ae for updated listings.

As an NBAD GEMS Credit Cardholder, you are automatically entitled to free Emergency Roadside Assistance services. These are provided by International Motoring Club (IMC).

The benefits of this membership are:
These services are available free of charge to NBAD GEMS Credit Cardholders 24 hours a day, 7 days a week throughout the UAE and includes:

• Vehicle Towing Service (within city limits) If there is a breakdown or accident, IMC will tow the vehicle to the nearest garage.
  
• Battery Boost Service Where the vehicle’s battery is dead for whatever reason, IMC will jump start the vehicle to enable you to carry on with your journey, or will tow the vehicle to the nearest garage.
  
• Flat Tyre Service IMC will change the flat tyre with a spare tyre. If no spare tyre is available, IMC will tow the vehicle to the nearest garage.
  
• Lock Out Service If keys are locked inside the vehicle, IMC will make attempts to gain access to the key to enable you to carry on with your journey.
• Emergency Fuel Delivery Service In case of emergency fuel shortage, IMC will deliver emergency fuel direct to you, and you need only pay the cost of the fuel.
  
• Car Registration Service Vehicle registration renewals service will be provided to you, one complimentary service per year applicable to one car per member. You will have to pay all fines and traffic department charges to the IMC representative.

To use any of the above services,
please call IMC call centre toll free 800 4101

Your NBAD GEMS Credit Card lets you shop anywhere you want with total peace of mind. If any item that you have purchased with your card is accidentally damaged, lost or stolen, your Free Purchase Protection cover compensates you for your loss.
Purchases are automatically covered for up to 90 days from the purchase date and cover also includes:

• Purchases that you have made while travelling abroad
• Items that you may have bought as gifts for others and
• Items purchased by your Supplementary Cardholders

NBAD Credit Shield Plus Option offers reassurance in unforeseen and adverse circumstances that can affect us all. This means that in times where you or your family are unable to meet your liabilities, your credit card outstanding balance (i.e. the amount you owe) is taken care of.

Outstanding balance is waived in case of :

• Involuntary Loss of Employment**
• Death due to any cause
• Total & permanent disablement/due to accident/sickness
• Critical Illness

What does NBAD Credit Shield Plus cover?

• 100% of the credit card outstanding balance is waived up to a maximum of AED 50,000, in the event of loss of life/total permanent disability of a Primary Cardholder
• If loss of life/total permanent disability is due to an accident, an additional lump sum payment of AED 50,000 is made to the family If the Primary Cardholder suffers temporary disability, due to accident a sickness, he is relieved from paying the minimum due on his her credit card for up to 3 months
• 100% of the credit card outstanding balance* is waived, up to a maximum of AED 50,000 if the Principal Cardholder contracts any of the covered critical illnesses – stroke, heart attack, cancer, coronary artery bypass surgery or renal failure
• 100% of the credit card outstanding balance is waived up to a maximum of AED 50,000 if the Primary Cardholder contracts any of the following covered critical illnesses during the policy period – stroke, heart attack, cancer, coronary artery bypass surgery or renal failure

What is the cost?

All this security is available for a nominal fee of your credit cards outstanding. Remember, this is an optional benefit on your NBAD GEMS Credit Card.
To avail or cancel your Credit Shield Plus cover, call us on our 24 hour toll free number 800 2211.

Unlimited free Supplementary Cards for your family Get unlimited free Supplementary Cards for your family members. As a Principal Cardholder, you can even set spending limits for each of your Supplementary Cards, thereby giving your family greater spending convenience whilst still controlling spending.

Interest free credit for up to 51 days Get up to 51 days of interest free credit on your purchases, on payment of your current billing statement in full (i.e. 100% of monthly card outstanding).
Free SMS alerting service
Each time a transaction is made on any of your NBAD GEMS Credit Card, you’ll receive an instant SMS message, letting you know exactly how much you’ve just spent. This service keeps you informed whenever your card is used. It can also give you advanced notice on your due payments or remind you if any of your payments are overdue.

Preferential rates on Balance Transfers Transfer your non-NBAD credit card balances to your NBAD GEMS Credit Card and enjoy low preferential rates on any transferred balance. Call our toll free 800 2211 or check with any NBAD Branch for the existing balance transfer schemes.

0% Easy Payment Plan (EPP)
NBAD’s 0% EPP offers you the comfort of shopping for all the things you love with the convenience of paying for it later at no extra cost. For details, call 800 2211 and request to convert the purchase transaction to EPP for the required tenure(s).