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					                                                                                  NBAD CREDIT CARD
                                                                                       Online Application

Thank you for applying for a credit card with National Bank of Abu Dhabi.
On completing the details requested in this form, you can print out your application, attach the required supporting documentation and
submit it to any NBAD branch or contact 800 2211 to arrange for collection.

To ensure prompt processing of your application, please provide the following:
        Passport photocopy for both Principal and Supplementary Applicant(s)
        Valid U.A.E residence visa page for expatriates (only for principal applicant)
        If employed, salary certificate from employer confirming length of service and salary drawn (or) latest salary slip in original.
        This requirement may be waived if the principal applicant’s income is received regularly into an NBAD account.
        If self employed, Proof of ownership of Business, ie; Trade License copy and / or Partnership Deed of Business.
        Copy of last 3 month’s bank statement (non-NBAD Account Holders only).
The above is a standard list of documentation required, and may differ in cases.
For any clarification, or help in filing this form, please call: 800 2211 or email us at CustomerSupport@nbad.com

NBAD CREDIT CARD SELECTION (Select your card by ticking where appropriate)

 Classic cards                                               Gold cards                                       Platinum card
       VISA Classic card                                         VISA Gold card                                     VISA Platinum card

       MASTERCARD Classic card                                   MASTERCARD Gold card

       DUBAI E-GOVERNMENT (VISA) Classic card                    DUBAI E-GOVERNMENT (VISA) Gold card

       ABU DHABI DUTY FREE (VISA) Classic card                   ABU DHABI DUTY FREE (VISA) Gold card

       ABU DHABI CHAMBER OF COMMERCE (VISA) card

Note: A Gold card will be issued when the approved card limit is greater than AED 18,000, subject to the applicants’ salary being
       AED 7,000 or more / monthly income being AED 10,000 or more.

PERSONAL DETAILS
       Mr.         Mrs.         Miss          Other title ______________________________________________________________

Full name as in passport: _______________________________________________________________________________________

Date of Birth (dd/mm/yy) ______________________ Passport No. _____________________ Nationality ______________________
                        Single
Marital status. : _________________________ No. of dependants (including spouse) : _____________________________________

Mother’s Maiden Name (This is a security feature for verification) _______________________________________________________


YOUR NAME IN ENGLISH AS IT SHOULD APPEAR ON THE CARD                                           (using less than 25 letters & spaces)



CARDS DELIVERY             (Please confirm how you would like to receive your credit card by ticking one of the following)

       Courier (Please ensure that you provide your mobile number) ____________________________________________________

________________________________________________________________________________

       Branch (Please advise name of branch from where you want to collect the card) ______________________________________

ADDRESS AND CONTACT
Mailing address in U.A.E

Company Name __________________________________________________ Department / Section __________________________

P.O. Box No. ________________________ City/Emirate _____________________________________________________________

Residential Address in U.A.E (with location details)

Flat / Villa No ___________ Building ____________________________________ Street / City _______________________________

Emirate _____________________________ Res Tel No ______________________________________ Fax No _________________

Mobile No (for SMS security alerts) ________________ Email address ___________________________________________________

Permanent address in home country (for Expatriates only)

Flat / House ________________________________ Street / City ______________________________ P.O. Box No _____________

Country ______________________________________ Phone No. (with country code) _____________________________________




                                                               Page 1 of 5
                                       NBAD CREDIT CARD - Online Application

  EMPLOYMENT & FINANCIAL DETAILS

         Employed              Self employed

  Name of Organization/Business __________________________________________________________________________________

  Department __________________________________________ Nature of Business _______________________________________

  Location of office:

  Building Name _________________________________________________________ Floor No. _____________ Flat No. __________

  Street name _____________________________________________ Nearest landmark _____________________________________

  P.O. Box No. __________________ Office Tel No (With Extension) ________________________ City/Emirate __________________

  If Employed:
  Position Held _____________________________________ Employed Since ____________ Monthly Salary in AED _______________

  If Self Employed:

  Legal Status of Business:          Sole Proprietorship           Partnership           Other (specify) ____________________________

  Number of years in business ____________________ Share of annual income in AED ______________________________________

  Details of other income (if any):
                                 Source                                        Annual Income (AED)

    1)   _______________________________________                         ______________________

    2)   _______________________________________                         ______________________

    3)   _______________________________________                         ______________________

Annual salary of spouse (if working) AED __________________

Spouse Name ____________________________________________ Employer’s Name _______________________________________

Position Held __________________________________________________ Business Tel. No __________________________________

Accommodation is

         Provided by Employer             Self Rented           Own Property                 Parents


Details of other Card Memberships
                   Issuer Bank                                  Card Type / Limit                              Card Number
    1)   ______________________________                       _________________                        ___________________________

    2)   ______________________________                       _________________                        ___________________________

    3)   ______________________________                       _________________                        ___________________________


Borrowing Details
                                                           Amount O/S (AED)                                      Monthly Repayment
    1)   Borrowings from Employer                   ____________________________                             ____________________

    2)   Borrowings from NBAD                       ____________________________                             ____________________

    3)   Borrowings from other Banks                ____________________________                             ____________________

    4)   Borrowings from other sources              ____________________________                             ____________________

Salary Transfer

Is salary transferred directly to your NBAD Account by Employer:           Yes          No

If NO, please provide details of your bank A/C where salary is presently transferred:

Bank Name ____________________________________ Branch _________________________ Your Account No _________________

Personal Reference
Name of a relative or friend in U.A.E ______________________________________ Relationship _______________________________

Tel (office) __________________________ Tel (residence) ______________________ Tel (mobile) ____________________________

Company __________________________________________________ Designation _________________________________________

                                                                 Page 2 of 5
                                          NBAD CREDIT CARD - Online Application

BILLING & MONTHLY REPAYMENTS                         (Please select as appropriate)

         Billing                     Payment Due Date

    6th of Every Month           26th of the Same Month

    10th of Every Month          30th of the Same Month

    16th of Every Month          4/5th of the Following Month

    27th of Every Month          16/17th of the Following Month

Repayments:

_______% of monthly outstanding, as shown in the statement of account on the due date or a fixed monthly amount of AED _________.
(Select either a % between 5% and 100% or choose a fixed monthly amount that you would like to repay each month. 100% means full
payment. The minimum repayment each month will be AED 100 (or AED 1,000 for Platinum) or 5%, whichever is higher.)
Interest rate is 2% p.m. (for salary mandated), else 2.25% p.m.

DEBIT AUTHORITY
I authorize you to debit my Account No. ______________________________             with your ______________________________ branch
in settlement of payment due as shown in my regular monthly statement(s) of account and/or any sum(s) deemed appropriate by the
Bank.
Note: If Account is not maintained with NBAD, I will be settling the Monthly Due Payment at least one day before the Payment Due Date
by cash, or at least 3 days before Payment Due Date in case of other Bank s cheque, deposited with any branch of NBAD in U.A.E

CREDIT SHIELD ENROLLMENT (Please tick as appropriate)
This feature ensures that your NBAD credit card outstanding is waived in the event of death, disability or sickness. For just AED 25 fills
for every AED 100 card balance – you can have total peace of mind, that in times where you or your family are unable to meet your
liabilities, the amount you owe will be taken care of

        Yes, please enroll me for Credit Shield. I acknowledge that I have read and understood the Policy Conditions and Exclusions

        No

If yes, please nominate a beneficiary
Nominee Name ___________________________________________ Relation to Primary Cardholder ____________________________

Postal address __________________________________________________________ Tel ____________________________________


FREE SUPPLEMENTARY CARD (1)                       (Please complete if required)

          Mr.        Mrs.          Miss         Other title ______________________________________________________________

Full name as in passport: ________________________________________________________________________________________

Date of Birth (dd/mm/yy) ______________________ Passport No. _____________________ Nationality ________________________
                    Single
Marital status: _________________ Relationship to Principal Applicant: ____________________ Credit Limit (in AED): _____________

Mother’s Maiden Name (This is a security feature for verification) _________________________________________________________

Name in English, as it is to appear on the Card, using no more than 25 letters & spaces



Select your Supplementary card by ticking where appropriate                       Visa           MasterCard


FREE SUPPLEMENTARY CARD (2)                       (Please complete if required)

          Mr.        Mrs.          Miss         Other title ______________________________________________________________

Full name as in passport: ________________________________________________________________________________________

Date of Birth (dd/mm/yy) ______________________ Passport No. _____________________ Nationality ________________________
                    Single
Marital status: _________________ Relationship to Principal Applicant: ____________________ Credit Limit (in AED): _____________

Mother’s Maiden Name (This is a security feature for verification) _________________________________________________________

Name in English, as it is to appear on the Card, using no more than 25 letters & spaces



Select your Supplementary card by ticking where appropriate                       Visa           MasterCard




                                                                  Page 3 of 5
                                         NBAD CREDIT CARD - Online Application

FREE SUPPLEMENTARY CARD (3)                       (Please complete if required)

         Mr.         Mrs.         Miss          Other title ______________________________________________________________

Full name as in passport: ________________________________________________________________________________________

Date of Birth (dd/mm/yy) ______________________ Passport No. _____________________ Nationality ________________________
                   Single
Marital status: _________________ Relationship to Principal Applicant: ____________________ Credit Limit (in AED): _____________

Mother’s Maiden Name (This is a security feature for verification) _________________________________________________________

Name in English, as it is to appear on the Card, using no more than 25 letters & spaces



Select your Supplementary card by ticking where appropriate                         Visa          MasterCard

REQUEST FOR BALANCE TRANSFER                         (Please complete if required)

I request National Bank of Abu Dhabi to settle my existing credit card balance(s) from my other bank credit cards to my NBAD credit
card. Please debit the same amount(s) to my NBAD credit card.

(1) Issuing Bank _____________________________________________________________________________________________

Credit Card No. ____________________________________________ Amount to be transferred to NBAD card ____________________


(2) Issuing Bank _____________________________________________________________________________________________

Credit Card No. ____________________________________________ Amount to be transferred to NBAD card ____________________

PHOTOGRAPH ON THE CARD
Do you wish to have your photograph on the Card:              Yes              No
If yes, you will need to attach recent color passport size photograph along with the other documents required to process your
Application. Write your name and A/C No. on the back of the photograph. Please do not staple the photograph

DECLARATION
DECLARATION
I request National Bank of Abu Dhabi (Bank) to issue me an NBAD Credit Card in my name and in the name/s of the Supplementary Card
Applicant /s (if any), who is/are member/s of my immediate family. I confirm that the information furnished by me in this application is
true and correct and I shall advise the Bank of any change thereto. I authorize the Bank to make any enquiries as the Bank may deem
necessary in connection with the application, without reference to me. I irrevocably agree to be bound by the terms and conditions
printed herein, which govern the issue and use of the Card. I understand that the Bank has the right to reject this application at any time
without being obligated to give any explanation.

I confirm that the photograph provided is my present true identity. If I am providing photographs for the issue of Supplementary Cards,
I confirm that the photographs provided by me are the present and true identity of the Supplementary Card Applicant/s.


                                                                 PRINT

___________________________________________                                             ________________________________
        Signature of Principal Applicant                                                                    Date (dd/mm/yy)
(For NBAD account holders: To avoid rejection, please ensure that signature provided matches that in bank records)

                                      FOR BANK USE ONLY – CARD CENTRE
Credit Limit (AED) ______________________________________________________________________________________________

Principal Card No.(s) __________________________________________ Supplementary Card No.(s) ___________________________

Supplementary Card No.(s) _____________________________________ Supplementary Card No.(s) ___________________________


Card marketed by _____________________________________________________________________________________________

Card details input by:

Name ________________________________               Signature _____________________________ Date ________________________



Card input verified by:

Name ________________________________               Signature _____________________________ Date ________________________




                                                                 Page 4 of 5
CREDIT CARD TERMS & CONDITIONS OF USE
1. DEFINITIONS
   i.    “Bank” means National Bank of Abu Dhabi, its successor(s) and/or assignee(s);
   ii.   “Card Account” means the credit card account maintained by the bank in relation to any Card purchases, Cash Advances, interest and any other charges applied to
         Cardholder’s Card;
   iii.  “Cash Advances” means any Cash Advance obtained by the use of the Card, the Card number or in any manner authorized by the Cardholder for cash debits to the Card
         Account;
   iv.   “Card” means the NBAD VISA Card and/or MasterCard issued to a Cardholder;
   v.    “Cardholder” means the Principal Cardholder or a Supplementary Cardholder for whose use a Card is issued by the Bank;
   vi.   “Credit Limit” means the maximum drawing permitted on the Card as determined and notified to the Principal Cardholder by the Bank from time to time;
   vii.  “Debit Balance” means the total of all Card payments, Cash Advances, interest, handling charges, fees and other sums debited by the Bank to the Card Account as
         reduced by any effective credits into the Card Account;
   viii. “PIN” means a personal identification number issued to the Cardholder;
   ix.   “Principal Cardholder” means a person in whose name a “Card Account” as defined below is maintained by the Bank;
   x.    “Supplementary Cardholder” means a Cardholder nominated by the Principal Cardholder under condition 3 (below).

2. USE OF THE CARD
   The Card must be signed by the Cardholder immediately on receipt and may only be used: By the Cardholder,
   i.   Subject to the terms and conditions current at the time of use,
   ii.  Within the available balance in his/her Card Account,
   iii. During the validity period embossed on the Card,
   iv.  Subject to the right of the Bank, in its absolute discretion and without prior notice, at any time to withdraw the right to use the Card for, or to refuse any request for
        authorization of any particular Card payment or Cash Advance and to communicate any such withdrawal or refusal to any third party.

3. SUPPLEMENTARY CARDS
       The Bank may issue Supplementary Cards to persons nominated by the Principal Cardholder. However, the Principal Cardholder will be irrevocably and fully liable for all
       amounts which may arise from the use of such Supplementary Card(s) or Card number(s).

4. RENEWAL
       The Bank will renew the Cards at its respective expiry date and will debit the renewal fee (if applicable) to the Card Account and will continue to do so until and unless
       the Cardholder instructs the Bank in writing to stop the renewal of either the Primary or the Supplementary or both Cards at least 45 days prior to the Card Expiry Date,
       in this case, the Securities (Salary/Guarantee/Deposits) will be released after the return of the card to the Bank for cancellation and full settlement of all the amounts
       outstanding under the Card Account.

5. THE CARD ACCOUNT
   i.   The Bank will debit the Card Account with the amounts of all fees, Card payments and Cash Advances, any other liabilities of the Cardholder and any loss incurred by
        the Bank arising from the use of the Card. The Principal Cardholder will be liable to pay the Bank all amounts so debited whether or not a Sale or Cash Advance Voucher
        is signed by a Cardholder.
   ii.  The Bank may set-off the liability of the Principal Cardholder under this agreement against another account of the Principal Cardholder with the Bank.
   iii. The Bank will normally send a periodic statement showing details of all amounts debited to the Card Account.
   iv.  The data and information contained in the periodic statement of account sent to the Cardholder by the Bank shall form conclusive evidence of the Cardholder’s
        indebtedness thereof.
   v.   The amount of any Card payment or Cash Advance in a currency other than UAE Dirhams will be converted at a rate of exchange determined by the Bank for the date
        when the Card payment or Cash Advance is debited to the Card Account.
   vi.  Subject to any limitation imposed by law, all amounts due in connection with the Card Account will be immediately payable in full on the commission of an act of
        bankruptcy by or on the death of, the Principal Cardholder or, at the Bank’s discretion.

6. INTEREST
   i.  If the outstanding amount, as shown on the monthly statement of card account, is not paid in full on or before the due date, interest shall be levied on the amount
       outstanding from the transaction date.
   ii. Cash Advance transactions will attract interest from the date of the relevant transaction even if the payment is made in full on due date.

7. WITHDRAWAL OF USE OF THE CARD
   i.  The Bank may at any time without notice cancel or suspend the right to use the Card or refuse to re-issue, renew or replace any Card, without affecting the Cardholder’s
       obligations made in this agreement which shall remain in force until all liabilities of the Card have been fully and satisfactorily settled.

8. TERMINATION
   i.  The Principal Cardholder may terminate the Card Account by written notice to the Bank. Such termination shall only be effective on the return to and receipt by the Bank
       of all Cards issued for use on the Card Account and the settlement of all liabilities of the Cardholder. All usage prior to termination will be binding on the Cardholder.
       Until termination of the Card Account, the Bank may reissue Cards from time to time for use by the Cardholders in accordance with these Terms and Conditions.
   ii. The Securities (Salary/Guarantee/Deposits) will be released after 30 days from the date of the Card(s) being physically returned to the Bank for cancellation and full
       settlement of all amounts outstanding under the Card Account.

9. SAFEGUARDING THE CARD AND PIN
   i.  The Card and related PIN are issued by the Bank at the full risk of the Cardholder. The Bank shall not be held responsible in any way whatsoever for the loss/misuse of
       the Card and/or PIN.
   ii. Cardholder will exercise every possible care to prevent the Card & related PIN from being lost or stolen and will notify the Bank immediately and confirm in writing any
       loss or theft of the same. The Bank will not be held responsible in case a lost or stolen Card is used prior to receipt by the Bank of written notice of such loss or theft.

10. REFUNDS AND CARDHOLDER CLAIMS
  i.   The Card Account will be credited with a refund in respect of a Card payment or Cash Advance only upon receipt by the Bank of a refund voucher or other refund
       verification acceptable to it. Subject to any rights vested in the Principal Cardholder by law, no claim by a Cardholder against a third party may be the subject of a
       defence or counter claim against the Bank.
  ii.  The Bank shall not be liable in any way if the Card is not honored by a third party.
  iii. The Bank shall not be responsible for goods or services purchased by the Cardholder on the Card and in all circumstances the Cardholder must honor all
       vouchers/transactions executed.

11. VARIATION OF TERMS AND CONDITIONS
  i.   The Bank may vary these Terms and Conditions at any time or times whether or not a similar variation is made to the Terms and Conditions with any other
       Cardholder(s). Subject to the requirements of law, notification of any such variation shall be given to the Principal Cardholder by the Bank either in writing or by
       publication thereof by such means as the Bank may select and a variation so notified shall be binding on the Cardholder.
  ii.  The Bank will consider that the Cardholder has accepted the changes if the Cardholder keeps or uses the Card thereafter.
  iii. If the Cardholder does not accept such changes, then the Cardholder may wish to terminate the Card Account in accordance with clause 8 (Termination).

12. GENERAL
  i.    The Bank will not maintain copies of signed Card transaction vouchers (sale vouchers). In case of a dispute, the bank may, upon the written request of the Cardholder,
        provide a photocopy or microfiche copy of the disputed transaction voucher as a documentary proof of the debit transaction, provided that such request is presented to
        the Bank within 30 days from the relevant statement date. In no event will such request be entertained if the disputed transaction date is over 60 days.
  ii.   Cardholder must verify all Card transactions appearing on his/her Card statement. In case of any discrepancy(ies) or dispute, Cardholder must notify the Branch
        Manager or the NBAD Card Centre in writing within 15 days of the statement date, failing which, all Card transactions will be confirmed as correct.
  iii.  Card may be collected by the Cardholder or sent by Courier to the address notified to the Bank by the Cardholder at the sole risk of Cardholder.
  iv.   Cardholder shall sign the Card immediately upon receipt and such signatures will constitute binding and conclusive evidence of the confirmation of the Cardholder to be
        bound by the Terms & Conditions not withstanding that the Bank is not notified of the Cardholder’s receipt of the Card.
  v.    The Bank issues Cards on the understanding that goods, tickets or services obtained with a Card will not be resold or returned for cash refund. However, goods or
        tickets may be returned for credit to the Card Account provided the merchant accepts such returns.
  vi.   Card must not be used for any unlawful purpose, including the purchase of goods and services prohibited by local law / jurisdiction.
  vii.  To ensure international acceptability, information about a Card Account may be transferred confidentially within the worldwide VISA and/or MasterCard networks, at the
        Bank’s sole discretion.
  viii. The Bank may at its sole discretion, disclose any information which it deems fit: (a) to its agent(s) (if any) appointed at any time in connection with the administration
        of the Card and (b) concerning the Card Account to any such agent or agents.
  ix.   The Cardholder shall immediately notify the Bank in writing, of any change of his/her name or address.
  x.    The Bank shall not be liable if it is unable to perform its obligations due (directly or indirectly) to the failure of any machine, data processing system or transaction link,
        or anything outside the control of the Bank, its agents or sub-contractors. Even if the Bank is unable to produce or send a statement, the Principal Cardholder’s liability
        shall continue.
  xi.   These Terms & Conditions shall be construed and governed by the laws for the time being in force in the United Arab Emirates.
                                                                                      Page 5 of 5        Customer Name and Signature:

				
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