Key Facts Statement (KFS) – Prepaid Gift Cards
Prepaid Cards allow you to load funds and use it for purchases. This KFS provides you with key features and indicative
information about interest, fees and charges for this product.*
Product details
Description Emirates NBD Gift Card is a virtual non-reloadable gift card that can be used for online
purchases. It can be issued/gifted by Emirates NBD Credit Card holders to their friends and
family.
Eligibility Emirates NBD card holders to issue to friends and family.
Card currency Arab Emirates Dirhams (AED).
Limits & Fees
Minimum load AED 100
Maximum load AED 3,500
Reload Not allowed
Transaction limit none
Cash withdrawal Not allowed
Fees AED 15
Card validity (from day of purchase) 12 months
*This KFS provides key indicative Fees & Charges (inclusive VAT).
Additional Information
• The Bank reserves the right to amend the Bank’s General Terms and Conditions for Consumer Banking
Products (including any relevant applications, terms and conditions pertaining to the product and documents)
by notice to you in accordance with applicable law.
• The cooling-off period allows you to cancel the product within five (5) business days of signing the application
or offer letter and the Bank will note be able to proceed until this period expires, unless you waive this right.
To cancel within this period, you must give the Bank notice.
• The Bank may debit the Customer’s account with any charges, expenses, or commission payable against
the banking services rendered in accordance with the approved and announced banking charges and
commissions.
• There may be circumstances in which you have to pay other fees. You may visit this link to view these other
fees: https://www.emiratesnbd.com/en/schedule-of-fees-and-charges.
• You can contact the Bank for any enquiries, assistance or complaints at any of its branches or by visiting its
website https://www.emiratesnbd.com/en/help-and-support/contact-us
10/2023
Emirates NBD Bank PJSC is licensed by Central Bank of the UAE
This Key Facts Statement is a UAE Central Bank directive under the Consumer Protection Regulation and accompanying Standards
Copyright© 2022 Emirates NBD Bank PJSC. All Rights Reserved.
The Bank may block Gift Cards and/orclose the account if account conduct is found to be unsatisfactory
as per Bank’s Compliance Policy and in line with the Central Bank of UAE regulations.
In the event of your failure to meet our terms and conditions before and during your relationship with
us, there will be consequences which may include restriction, blockage, or closure of your profile and
account.
Where you request the Bank to issue multiple Cards to any person(s) named in such request, you
acknowledge that they are solely responsible for all transactions performed by such person(s). The Bank
will provide information about the Card Account only to the customer with respect to all the cards issued
to them.
I/We hereby irrevocably and unconditionally declare that I/ we have read the above Key Facts Statement and clearly
understand all the information and references provided herein.
Customer Name: Customer Signature:
Date:
10/2023
Emirates NBD Bank PJSC is licensed by Central Bank of the UAE
This Key Facts Statement is a UAE Central Bank directive under the Consumer Protection Regulation and accompanying Standards
Copyright© 2022 Emirates NBD Bank PJSC. All Rights Reserved.
ﻻﺋﺤﺔ اﻟﺤﻘﺎﺋﻖ اﻟﺮﺋﻴﺴﻴﺔ ) - (KFSﺑﻄﺎﻗﺎت اﻟﻬﺪاﻳﺎ ﻣﺴﺒﻘﺔ اﻟﺪﻓﻊ
ﺗﺴﻤﺢ ﻟﻚ اﻟﺒﻄﺎﻗﺎت ﻣﺴﺒﻘﺔ اﻟﺪﻓﻊ ﺑﺘﻌﺒﺌﺔ اﻷﻣﻮال ﻓﻴﻬﺎ واﺳﺘﺨﺪاﻣﻬﺎ ﻟﺪﻓﻊ ﻗﻴﻤﺔ ﻋﻤﻠﻴﺎت اﻟﺸﺮاء .ﺗﻮﻓﺮ ﻟﻚ ﻻﺋﺤﺔ اﻟﺤﻘﺎﺋﻖ اﻟﺮﺋﻴﺴﻴﺔ ) (KFSاﻟﻤﻴﺰات
اﻟﺮﺋﻴﺴﻴﺔ ﻟﻠﻤﻨﺘﺞ ،وﻣﻌﻠﻮﻣﺎت إرﺷﺎدﻳﺔ ﻋﻦ اﻟﻔﺎﺋﺪة ،واﻟﺮﺳﻮم واﻷﺟﻮر اﻟﺨﺎﺻﺔ ﺑﻬﺬا اﻟﻤﻨﺘﺞ.
اﻟﺠﺪول :Aاﻟﻤﻴﺰات اﻟﺮﺋﻴﺴﻴﺔ
إن ﺑﻄﺎﻗﺔ اﻟﻬﺪاﻳﺎ ﻣﻦ ﺑﻨﻚ اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ ﻫﻲ ﺑﻄﺎﻗﺔ ﻫﺪاﻳﺎ اﻓﺘﺮاﺿﻴﺔ ﻏﻴﺮ ﻗﺎﺑﻠﺔ ﻹﻋﺎدة اﻟﻮﺻﻒ
اﻟﺘﻌﺒﺌﺔ وﻳﻤﻜﻦ اﺳﺘﺨﺪاﻣﻬﺎ ﻓﻲ ﻋﻤﻠﻴﺎت اﻟﺸﺮاء ﻋﺒﺮ اﻹﻧﺘﺮﻧﺖ .ﻳﻤﻜﻦ ﻟﺤﻤﻠﺔ ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن ﻣﻦ ﺑﻨﻚ
اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ أن ﻳﻘﻮﻣﻮا ﺑﺈﺻﺪارﻫﺎ )إﻫﺪاﺋﻬﺎ( ﻷﺻﺪﻗﺎﺋﻬﻢ وﻋﺎﺋﻼﺗﻬﻢ.
إن ﺣﻤﻠﺔ اﻟﺒﻄﺎﻗﺎت ﻣﻦ ﺑﻨﻚ اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ ﻣﺆﻫﻠﻮن ﻹﺻﺪار اﻟﺒﻄﺎﻗﺔ ﻟﻸﺻﺪﻗﺎء واﻟﻌﺎﺋﻠﺔ. اﻷﻫﻠﻴﺔ
اﻟﺪرﻫﻢ اﻹﻣﺎراﺗﻲ. ﻋﻤﻠﺔ اﻟﺒﻄﺎﻗﺔ
اﻟﺠﺪول :Bاﻟﺤﺪود واﻟﺮﺳﻮم
100درﻫﻢ اﻟﺤﺪ اﻷدﻧﻰ ﻟﻘﻴﻤﺔ اﻟﺘﻌﺒﺌﺔ
3,500درﻫﻢ اﻟﺤﺪ اﻷﻗﺼﻰ ﻟﻘﻴﻤﺔ اﻟﺘﻌﺒﺌﺔ
ﻏﻴﺮ ﻣﺘﻮﻓﺮة ﻣﻴﺰة إﻋﺎدة اﻟﺘﻌﺒﺌﺔ
ﻏﻴﺮ ﻣﺤﺪد ﺣﺪ ﻋﻤﻠﻴﺔ اﻟﺸﺮاء
ﻏﻴﺮ ﻣﺘﻮﻓﺮ اﻟﺴﺤﺐ اﻟﻨﻘﺪي
15درﻫﻢ اﻟﺮﺳﻮم
ً
ﺷﻬﺮا 12 )إﺑﺘﺪاء ﻣﻦ ﺗﺎرﻳﺦ ﺷﺮاﺋﻬﺎ(
ً ﺻﻼﺣﻴﺔ اﻟﺒﻄﺎﻗﺔ
*ﺗﻮﻓﺮ ﻻﺋﺤﺔ اﻟﺤﻘﺎﺋﻖ اﻟﺮﺋﻴﺴﻴﺔ ) (KFSﻫﺬه اﻟﺮﺳﻮم واﻷﺟﻮر اﻹرﺷﺎدﻳﺔ اﻟﺮﺋﻴﺴﻴﺔ )واﻟﺘﻲ ﺗﺸﻤﻞ ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ .(VAT
ﻣــﻌــﻠــﻮﻣــﺎت إﺿــﺎﻓــﻴــﺔ
ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺑﺎﻟﺤﻖ ﻓﻲ ﺗﻌﺪﻳﻞ اﻟﺸﺮوط واﻷﺣﻜﺎم اﻟﻌﺎﻣﺔ ﻟﻠﺒﻨﻚ اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎﻟﻤﻨﺘﺠﺎت اﻟﻤﺼﺮﻓﻴﺔ ﻟﻸﻓﺮاد )ﺑﻤﺎ ﻓﻲ ذﻟﻚ أي ﻃﻠﺒﺎت، •
وﻓﻘﺎ ﻟﻠﻘﺎﻧﻮن اﻟﻤﻌﻤﻮل ﺑﻪ.
ً وﺷﺮوط وأﺣﻜﺎم ذات ﺻﻠﺔ ﺗﺘﻌﻠﻖ ﺑﺎﻟﻤﻨﺘﺞ واﻟﻤﺴﺘﻨﺪات( ،وذﻟﻚ ﻋﻦ ﻃﺮﻳﻖ إرﺳﺎل إﺷﻌﺎر ﺑﺎﻷﻣﺮ إﻟﻴﻚ
ﺗﺴﻤﺢ ﻟﻚ ﻓﺘﺮة اﻟﺴﻤﺎح ﺑﺎﻹﻟﻐﺎء "ﺧﻴﺎر اﻟﺸﺮط" ﺑﺈﻟﻐﺎء اﻟﻤﻨﺘﺞ ﻓﻲ ﻏﻀﻮن ﺧﻤﺴﺔ ) (5أﻳﺎم ﻋﻤﻞ ﻣﻦ ﺗﻮﻗﻴﻊ اﻟﻄﻠﺐ أو ﺧﻄﺎب اﻟﻌﺮض وﻟﻦ •
ﻳﺘﻤﻜﻦ اﻟﺒﻨﻚ ﻣﻦ إﺗﻤﺎم اﻹﺟﺮاءات ﺣﺘﻰ اﻧﺘﻬﺎء ﻫﺬه اﻟﻔﺘﺮة ﻣﺎ ﻟﻢ ﺗﺘﻨﺎزل ﻋﻦ ﻫﺬا اﻟﺤﻖ ،إذا أردت اﻹﻟﻐﺎء ﺧﻼل ﻫﺬه اﻟﻔﺘﺮة ،ﻓﺈﻧﻪ ﻳﺠﺐ
ﻋﻠﻴﻚ ﺗﻮﺟﻴﻪ إﺧﻄﺎر ﻟﻠﺒﻨﻚ.
ﻳﺠﻮز ﻟﻠﺒﻨﻚ ،وﻣﻦ دون إﺧﻄﺎر اﻟﻌﻤﻴﻞ ،أن ﻳﺨﺼﻢ ﻣﻦ ﺣﺴﺎﺑﺎت اﻟﻌﻤﻴﻞ أي أﺟﻮر ،ﻣﺼﺎرﻳﻒ ،أو ﻋﻤﻮﻟﺔ ﻣﺴﺘﺤﻘﺔ اﻟﺪﻓﻊ ﻣﻘﺎﺑﻞ اﻟﺨﺪﻣﺎت •
وﻓﻘﺎ ﻟﻸﺟﻮر واﻟﻌﻤﻮﻻت اﻟﻤﺼﺮﻓﻴﺔ اﻟﻤﻌﺘﻤﺪة واﻟﻤﻌﻠﻨﺔ.
ً اﻟﻤﺼﺮﻓﻴﺔ اﻟﻤﻘﺪﻣﺔ
ﻟﻦ ﻳﻘﻮم اﻟﺒﻨﻚ ﺑﺘﻄﺒﻴﻖ ﻧﺴﺒﺔ اﻟﻔﺎﺋﺪة ﻋﻠﻰ ﻣﺒﻠﻎ اﻟﻔﺎﺋﺪة اﻟﻤﺴﺘﺤﻘﺔ. •
ﻗﺪ ﻳﺘﻌﻴﻦ ﻋﻠﻴﻚ ﻓﻲ ﺑﻌﺾ اﻟﻈﺮوف دﻓﻊ رﺳﻮم أﺧﺮى .ﻳﻤﻜﻨﻚ زﻳﺎرة ﻫﺬا اﻟﺮاﺑﻂ ﻹﺳﺘﻌﺮاض ﻫﺬه اﻟﺮﺳﻮم اﻷﺧﺮى: •
https://www.emiratesnbd.com/ar/schedule-of-fees-and-charges
ﺑﺈﻣﻜﺎﻧﻚ اﻟﺘﻮاﺻﻞ ﻣﻊ اﻟﺒﻨﻚ إذا ﻛﺎن ﻟﺪﻳﻚ أﻳﺔ اﺳﺘﻔﺴﺎرات ،أو إذا ﻛﻨﺖ ﺗﺮﻳﺪ اﻟﻤﺴﺎﻋﺪة أو ﻟﺘﻘﺪﻳﻢ اﻟﺸﻜﺎوى ﻓﻲ أي ﻣﻦ ﻓﺮوﻋﻪ أو ﻣﻦ •
ﺧﻼل زﻳﺎرة ﻣﻮﻗﻌﻪ اﻹﻟﻜﺘﺮوﻧﻲ https://www.emiratesnbd.com/en/help-and-support/contact-us
ﺗـــﺤـــﺬﻳـــﺮ !!!
وﻓﻘﺎ
ً ﻣﺮض
ٍ ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﺗﻄﺒﻴﻖ اﻟﺤﻈﺮ )إﻳﻘﺎف ﻋﻤﻞ( اﻟﺒﻄﺎﻗﺔ و/أو إﻏﻼق اﻟﺤﺴﺎب إذا ﺗﺒﻴﻦ أن ﺳﻠﻮك اﻟﺤﺴﺎب ﻏﻴﺮ
ﻟﺴﻴﺎﺳﺔ اﻻﻣﺘﺜﺎل اﻟﺨﺎﺻﺔ ﺑﺎﻟﺒﻨﻚ وﻻ ﻳﺘﻤﺎﺷﻰ ﻣﻊ ﻟﻮاﺋﺢ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي.
إن ﺑﻨﻚ اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ ش.م.ع ﻫﻮ ﺑﻨﻚ ﻣﺮﺧﺺ ﻣﻦ ﻗﺒﻞ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي.
ﺗﻢ ﺗﻮﻓﻴﺮ ﻻﺋﺤﺔ اﻟﺤﻘﺎﺋﻖ اﻟﺮﺋﻴﺴﻴﺔ ﻫﺬه ﺑﺘﻮﺟﻴﻬﺎت ﻣﻦ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي وذﻟﻚ ﺑﻤﻮﺟﺐ ﻗﻮاﻧﻴﻦ ﺣﻤﺎﻳﺔ اﻟﻤﺴﺘﻬﻠﻚ واﻟﻤﻌﺎﻳﻴﺮ اﻟﻤﺼﺎﺣﺒﺔ.
ّ
ﺣﻘﻮق اﻟﻨﺸﺮ © ٢٠٢٢ﺑﻨﻚ اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ ش.م.ع .ﺟﻤﻴﻊ اﻟﺤﻘﻮق ﻣﺤﻔﻮﻇﺔ.
ﺗـــﺤـــﺬﻳـــﺮ !!!
ﺳﻮاء ﻛﺎن ذﻟﻚ ﻗﺒﻞ وأﺛﻨﺎء ﻋﻼﻗﺘﻚ اﻟﻤﺼﺮﻓﻴﺔ ﻣﻌﻨﺎ ،ﻓﺴﺘﻜﻮن
ً ﻓﻲ ﺣﺎﻟﺔ إﺧﻔﺎﻗﻚ ﻓﻲ ﺗﻠﺒﻴﺔ اﻟﺸﺮوط واﻷﺣﻜﺎم اﻟﺨﺎﺻﺔ ﺑﻨﺎ،
ﻫﻨﺎك ﻋﻮاﻗﺐ ﻋﻠﻰ ذﻟﻚ ،وﻗﺪ ﺗﺸﻤﻞ ﻫﺬه اﻟﻌﻮاﻗﺐ ﺗﻄﺒﻴﻖ اﻟﻘﻴﻮد أو اﻟﺤﻈﺮ أو اﻟﻘﻴﺎم ﺑﺈﻏﻼق ﻣﻠﻔﻚ وﺣﺴﺎﺑﻚ.
ﺗـــﺤـــﺬﻳـــﺮ !!!
ﻋﻨﺪﻣﺎ ﺳﺘﻄﻠﺐ ﻣﻦ اﻟﺒﻨﻚ إﺻﺪار ﺑﻄﺎﻗﺎت ﻣﺘﻌﺪدة ﻷي ﺷﺨﺺ )أﺷﺨﺎص( ﻣﺬﻛﻮرﻳﻦ ﻓﻲ ﻫﺬا اﻟﻄﻠﺐ ،ﻓﺈﻧﻚ ﺗﻘﺮ ﺑﺄن اﻟﺸﺨﺺ
ذو اﻟﺼﻠﺔ )اﻷﺷﺨﺎص ذو اﻟﺼﻠﺔ( ﻣﺴﺆول )ﻣﺴﺆوﻟﻮن( ﺑﺸﻜﻞ ﺷﺨﺼﻲ ﻋﻦ ﺟﻤﻴﻊ اﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﺳﻴﻘﻮم ﺑﻬﺎ )ﺳﻴﻘﻮﻣﻮن
ﺑﻬﺎ( .ﺳﻴﻘﺪم اﻟﺒﻨﻚ اﻟﻤﻌﻠﻮﻣﺎت اﻟﻤﺘﻌﻠﻘﺔ ﺑﺤﺴﺎب اﻟﺒﻄﺎﻗﺔ ﻟﻠﻌﻤﻴﻞ ﻓﻘﻂ وذﻟﻚ ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺠﻤﻴﻊ اﻟﺒﻄﺎﻗﺎت اﻟﺘﻲ ﻗﺎم ﻫﻮ
ﺑﺈﺻﺪارﻫﺎ.
أﻗﺮ/ﻧﻘﺮ ﺑﻤﻮﺟﺒﻪ ﺑﺸﻜﻞ ﻻ رﺟﻌﺔ ﻓﻴﻪ وﻏﻴﺮ ﻣﺸﺮوط ﺑﺄﻧﻨﻲ/أﻧﻨﺎ ﻗﺮأت/ﻗﺮأﻧﺎ ﺑﻴﺎن اﻟﺤﻘﺎﺋﻖ اﻟﺮﺋﻴﺴﻴﺔ أﻋﻼه وﻓﻬﻤﺖ/ﻓﻬﻤﻨﺎ ﺑﻮﺿﻮح ﺟﻤﻴﻊ
اﻟﻤﻌﻠﻮﻣﺎت واﻟﺒﻴﺎﻧﺎت اﻟﻤﺮﺟﻌﻴﺔ اﻟﻤﺬﻛﻮرة ﻫﻨﺎ.
ﺗﻮﻗﻴﻊ اﻟﻌﻤﻴﻞ: اﺳﻢ اﻟﻌﻤﻴﻞ:
اﻟﺘﺎرﻳﺦ:
إن ﺑﻨﻚ اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ ش.م.ع ﻫﻮ ﺑﻨﻚ ﻣﺮﺧﺺ ﻣﻦ ﻗﺒﻞ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي.
ﺗﻢ ﺗﻮﻓﻴﺮ ﻻﺋﺤﺔ اﻟﺤﻘﺎﺋﻖ اﻟﺮﺋﻴﺴﻴﺔ ﻫﺬه ﺑﺘﻮﺟﻴﻬﺎت ﻣﻦ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي وذﻟﻚ ﺑﻤﻮﺟﺐ ﻗﻮاﻧﻴﻦ ﺣﻤﺎﻳﺔ اﻟﻤﺴﺘﻬﻠﻚ واﻟﻤﻌﺎﻳﻴﺮ اﻟﻤﺼﺎﺣﺒﺔ.
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ﺣﻘﻮق اﻟﻨﺸﺮ © ٢٠٢٢ﺑﻨﻚ اﻹﻣﺎرات دﺑﻲ اﻟﻮﻃﻨﻲ ش.م.ع .ﺟﻤﻴﻊ اﻟﺤﻘﻮق ﻣﺤﻔﻮﻇﺔ.
