Emirates NBD Visa Flexi cashback rate, cap and annual fee
Emirates NBD Visa Flexi pays 1.12% on everything, as a base rate, and 5 other rates.
Emirates NBD · United Arab Emirates · catalogue v101
Read from Emirates NBD's own published terms on 19 Sep 2026.
NoneAnnual fee
1.12%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 1.12% | —Everything else. Emirates NBD publishes 1.5 Plus Points per AED 100; this is that figure per dirham. |
| groceries | 0.30% | —Supermarkets and groceries, with insurance and car dealerships on the same band. |
| fuel | 0.15% | —Fuel, on the lowest band with utilities, real estate and education. |
| government | 0.15% | —Utility bill payments, on the same lowest band. |
| rent and property | 0.15% | —Real estate, on the same lowest band. |
| education | 0.15% | —Education, on the same lowest band. |
1.5 Plus Points for every AED 100 spent, which Emirates NBD itself calls 1.5% — the bank is valuing a Plus Point at a dirham, its Nol, school-fee and donation rate, rather than the 0.75 it pays as statement credit. This app ranks at the 0.75, so the figure it shows is lower than the bank's own. Two reductions: supermarkets, groceries, insurance and car dealerships earn 0.4 points per AED 100, and fuel, utilities, real estate and education earn 0.2 — a quarter and an eighth of the general rate. Emirates NBD applies a Plus Points earning cap per statement and does not print the figure on this page. No joining fee and no annual fee. Source: emiratesnbd.com's own page for the card, read 19 Sep 2026.
Questions people ask
What cashback does the Emirates NBD Visa Flexi pay?
1.12% on everything, as a base rate, and 5 other rates.
Is there a cap on the Emirates NBD Visa Flexi?
No monthly cap is published on the rates shown here.
What is the annual fee on the Emirates NBD Visa Flexi?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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