The programme operates on a points-based qualification model. Business Banking clients must accumulate 100,000 points in a review year, generated through deposits, loan and wealth balances, and transaction volumes in foreign exchange and trade finance. Customers on the bank’s Emirati package receive a 25% bonus on qualifying points, a concession that reflects the UAE’s broader policy emphasis on supporting national-owned enterprises.

At the centre of the offering sits the Visa Infinite Business Debit Card, which Emirates NBD describes as a first of its kind for a business debit product in the MENA region. The card anchors a wider suite of services, including direct-to-agent contact centre access with no queue, priority handling at Business Banking Centres, a dedicated relationship manager, and preferential pricing on banking fees.

Beyond the core banking relationship, the programme extends into operational savings. Members receive discounts on airport meet-and-assist services across more than 450 global destinations, preferred car rental rates, and access to reduced pricing on marketing tools, HR and finance software, co-working space rentals and business publications. Lifestyle perks include complimentary access to more than 1,000 airport lounges globally, concierge support for dining and travel, and valet parking at major UAE landmarks.

Hamad Mohamed Zayed, group head of business banking at Emirates NBD, said: “This initiative recognises the vital role of businesses in economic growth and provides them with preferential pricing and curated privileges that add tangible value to both their daily business operations and personal lifestyle.”

The structured bundling of banking services, operational tools and lifestyle benefits for SMEs is a segment that several Gulf banks have moved into as they compete for the primary banking relationship with the region’s growing cohort of small and mid-sized firms.

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