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Everyday
National Bank of Umm Al Quwain (NBQ)
Gold Credit Card
Min. salary
–Not published in the catalogue yet; it is not zero.
Annual fee
AED 0
Monthly rate
–Not published in the catalogue yet; it is not zero.
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
–Not published in the catalogue yet; it is not zero.
Free
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free
- Monthly rate
- –Not published in the catalogue yet; it is not zero.
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- –Not published in the catalogue yet; it is not zero.
- Minimum salary
- –Not published in the catalogue yet; it is not zero.
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
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.
- Lifetime free credit card
- Use the card without a PIN for up to AED 500 transactions
- Free credit for up to 55 days.
- Enjoy complimentary global travel insurance — Legal Expenses Medical Expenses Travel and Medical...
- Tap & Go feature — contactless card.
- 1 supplementary card for free
- Enjoy seasonal discounts and promotions
- Withdraw cash up to the remaining credit limit
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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; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.