- Annual fee
- Free for life
- Minimum monthly salary
- AED 8,000
- Welcome bonus
- None listed right now
No annual fee
For salaries of AED 8,000 to 14,999
Our take
A no-fee card with up to 55 days interest-free and free travel insurance, but no rewards.
Good for
People who want a plain, free credit line.
Watch out for
There's no cashback or points at all.
Written by Joe Hickman from National Bank of Umm Al Qaiwain's published terms. Not personal advice.
What it's worth in practice
NBQ's Gold card has no rewards. What you get is a free card with up to 55 days interest-free and free worldwide travel insurance. Buy a AED 3,000 flight just after your statement date, pay the statement in full, and you've had nearly two months to pay at no cost. It's built for salaries of AED 8,000 to AED 14,999. If you want a no-frills card that also drops late and over-limit fees, Citi Simplicity promises none of those fees, ever, and needs only AED 5,000. The catch is plain: no cashback or points at all, so every other free card on MoneyVS earns more on everyday spending.
What you need
| Minimum salary | AED 8,000 a monthFor salaries of AED 8,000 to 14,999 |
|---|
Taken from National Bank of Umm Al Qaiwain's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
It's one of 19 free-for-life rewards cards on MoneyVS, out of 56. The AED 8,000 minimum salary compares with a typical AED 12,000 for rewards cards; 16 of 39 ask for less. It has no welcome offer listed right now; 15 of the 55 other rewards cards do.
National Bank of Umm Al Qaiwain has 1 other card on MoneyVS: NBQ Visa Platinum.
Compared with the 56 rewards cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
What you earn
- No rewards programme
- Up to 55 days interest-free
- Free worldwide travel insurance
Included benefits
No headline benefits listed by the bank.
NBQ Visa Gold: common questions
What salary do I need for the NBQ Visa Gold?
National Bank of Umm Al Qaiwain asks for a minimum monthly salary of AED 8,000. For salaries of AED 8,000 to 14,999.
Does the NBQ Visa Gold have an annual fee?
No. The bank says it is free for life.
Does the NBQ Gold card include travel insurance?
Yes. NBQ lists free worldwide travel insurance.
Who is the NBQ Gold card for?
NBQ offers it for salaries of AED 8,000 to AED 14,999 a month. Above that, its Platinum card applies.
Compare with
- Citi Simplicity: the closest alternative
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