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National Bank of Umm Al Quwain (NBQ)
Platinum Credit Card
No salary transfer needed
Min. salary
AED 15,000
Annual fee
AED 525
Monthly rate
2.49%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
34.3%
No standard waiver
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 525
- Fee note
- No standard waiver
- Monthly rate
- 2.49%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 34.3%
- Minimum salary
- AED 15,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Priority Pass lounge access at over 1,300 airport lounges worldwide (KFS: 1,200+ lounges in 143 countries)
- Dragon Pass 'Dine & Fly' airport dining programme
- Purchase protection with extended warranty benefits
- Free worldwide travel insurance
- 50% off at major golf courses (bank's card-listing teaser)
- Up to 55 days interest-free credit
- 1 free supplementary card (second supplementary onwards AED 500)
- Contactless, PIN-free up to AED 500; online transaction limit AED 50,000 per day
- Balance transfer from other banks and Easy Instalment / Easy Loan facilities
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Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.