Explore Credit Cards Offered By Leading Banks

• Free for lifetime
• Cashback on dining
  • AED 500 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.
• Cashback
  • Earn Cashback on your purchases
  • 5% cashback on international and local dining spends.
  • 1% cashback on other international spends
  • up to 1% cashback on local spends.
  • 0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends.

• Free for lifetime
• Welcome Bonus
  • AED 500 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.
• Free Delivery
  • Enjoy unlimited free next day delivery across UAE on all noon express orders.
• Enjoy Accelerated Cashback
  • 5% cashback on noon, noon Food and noon Minutes
  • 5% cashback on noon supermall and NowNow
  • 5% cashback on Sivvi and Namshi
  • 0.33% cashback on govt. payments, utilities, education, charity, fuel, rental and telecom purchases
  • 1% cashback on all other purchases

• Welcome Bonus
  • Welcome Bonus
    • AED 750 Welcome Bonus on the card when you spend AED 5,000 in the first 2 months post card issuance.
  • Maximize Mashreq Vantage reward points on supermarket, fuel and on other everyday spends
    • Earn Mashreq Vantage points for all spends and redeem them instantly via Mashreq Mobile App or at a partner merchant for airmiles, gift cards, cashback and more.
    • Earn 10 points per AED at supermarket, fuel spends & dining, 2 points per AED on international spends and other local spends, 1 Mashreq Vantage points for every AED 1 on local spends on Government payments, utilities, education, charity, rental & telecom spends.
  • Get 50% off on movie tickets
    • VOX, Reel, and Novo Cinemas: Get 4 movie tickets each billing month at 50% off.
    • Cinepolis Cinemas: Get 8 movie tickets each billing month at 50% off until 31 December 2025.
  • Complimentary airport lounge access
    • Unwind in style with access to over 1,000 lounges, worldwide.
    • Simply spend AED 7,000 or more per month and enjoy 4 complimentary lounge visits in a year.
  • Fly high with discounts
    • Instant 10% discount of up to AED 80 plus 10% Make My Trip (MMT) reward in your MMT wallet of up to AED 80.
    • Minimum transaction value requirement is AED 600. Use coupon code: MASHREQPP
  • Stay in style for less
    • Instant 15% discount of up to AED 300 plus 15% Make My Trip (MMT) reward bonus in your MMT wallet of up to AED 300.
    • Minimum transaction value requirement is AED 300. Use coupon code: MASHREQPP

• Welcome Bonus: AED 2,500 when you spend AED 9,000 or more in the first 2 months
• Reward Points: Earn Mashreq Vantage points on all spends, redeemable for airmiles, gift cards, cashback and more. Earn 6 points per AED on international purchases, 4 points on travel, 2 points on local spends, and 1 point on other local spends.
• Airport Lounge: Unlimited complimentary access to 1000+ lounges for you and a complimentary guest.
• Airport Transfers: 6 complimentary transfers per year with AED 10,000 spend in the last billing cycle.
• Valet Parking: 2 free valet parking per billing cycle at premium locations
• Fitness First: Unlimited, complimentary visits when you spend a minimum of AED 10,000 in the previous billing cycle
• Golf Clubs: Complimentary games of golf per billing cycle at exclusive UAE Golf Clubs
• Marhaba Silver Meet & Greet: 6 complimentary Meet & Greets per year with a minimum spend of AED 10,000 in your last billing cycle
• Travel Insurance: Multi-trip insurance for local and international trips of up to 90 days when you purchase travel tickets with your card.
• Car Assistance Services: 1 complimentary vehicle registration pick up and drop off per year and 2 complimentary vehicle servicing pick-up or drop-offs with AED 10,000 spend
• Cinema Discounts: 50% off on movie tickets with no minimum spend, including 8 tickets per month at VOX, Reel, Novo, and Cinepolis Cinemas.

• Cashback
  • 100% cashback up to AED 135 per month on eligible brands (Amazon, Netflix, Noon, Careem and on many other brands.
• Balance Transfer at zero interest with 1.99% processing fees for 6 months and 4% for 12 months
• Quick Cash at zero interest with 1.99% processing fee for 6 months and 4% for 12 months.
• Airport Lounge
  • 8 Complimentary visits in a calendar year at over 1200 Airport Lounges across the world via Visa Airport Companion.
• Lifestyle Benefits
  • 500+ discount deals across lifestyle, fine dining, wellness and other categories with CBD mobile app offers
  • Hundreds of 2 for 1 discount offers through Xperience with Entertainer app
  • 20% discount on regular admission tickets at KidZania, E-Kart Zabeel, Dubai Aquarium

• Complimentary 90-day subscription to Smilies Unlimited which includes free delivery on food & grocery orders, waived home service fees, buy 1 get 1 offers and discount deals
• AED 200 extra discount on hotel bookings with Unravel
• Earn Smiles points on every 1 AED spent
  • 10 Smiles points per AED 1 on spends on Smiles app (including food and grocery orders, home services, shopping vouchers, device purchases, bill pay merits & moral and Etisalat channels
  • Up to 3 Smiles points per AED 1 on all international spends
  • Up to 2 Smiles points per AED 1 on all domestic spends
  • Quarterly bonus of 5,000 Smiles points
• Redeem Smiles points through your Smiles UAE app for:
  • Grocery order from Smiles Market, Union Coop, VIVA, Geant and more stores & pharmacies
  • Food Orders: order food from restaurants such as McDonald's, KFC, Nando's and more
  • Home Services: book home cleaning, maintenance, laundry, spa and more services
  • Shopping: purchase shopping vouchers for hundreds of retail brands like Amazon, Mall of the Emirates & City Centre, Sharat DG and more
  • Travel: book flights online with hundreds of airlines
  • Etisalat Bills: bill payments, recharges as well as purchase of smart devices.
  • Discount Vouchers: Buy 1 Get 1 offers and discount deals on dining, leisure & entertainment, wellness and more
• Airport Lounge
  • Complimentary access to over 1,000 airport lounges
  • Complimentary travel insurance applicable to the cardholder and family, for a period of 190 days from date of travel, up to a maximum of USD 500,00
• Balance Transfer at zero interest with 1.99% processing fees for 6 months and 4% for 12 months within 30 days of card issuance (Offer valid till 31 Dec 2025)
• Quick Cash at zero interest with 1.99% processing fee for 6 months and 4% for 12 months within 30 days of card issuance (Offer valid till 31 Dec 2025)
• Supplementary Card (Free supplementary cards)
• First year Free (Annual fee of AED 500 waived for first year)

• Welcome Bonus: 20,000 Yes Rewards (worth AED 200) for free fuel
• Fuel Savings: Up to 15% on fuel at ENOC & EPPCO service stations
• Airport Lounge: 8 complimentary visits per year to over 1,200 lounges worldwide
• Multi-trip travel insurance (coverage up to USD 500,000)
• 20% discount on regular admission tickets at KidZania, E-Kart Zabeel, and Dubai Aquarium
• Balance Transfer: Zero interest with a 1.99% processing fee for 6 months or 4% for 12 months
• Quick Cash: Zero interest with a 1.99% processing fee for 6 months or 4% for 12 months
• Annual fee of AED 199 from second year onwards, waived after spending AED 12,000 in the previous year

• Exclusive Offer
  • Enjoy AED 1500 welcome bonus when you spend AED 12000 on education fees. Offer valid till 30 Sept 2025.
• With this Credit Card, you earn up to 10% cashback on Education, Groceries, Fuel & Bill payments, up to AED 600 a month.
• Airport Lounge
  • 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Airport Visa Companion.
• 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel, Dubai Aquarium
• Discounts over 500+ lifestyle offers through CBD Mobile app.
• Up to 8% discount on Booking.com
• Complimentary night with Ten Concierge Hotel Services
• Hundreds of 2 for 1 discount offers through Xperience with Entertainer app
• Balance Transfer at zero interest with 1.99% processing fees for 6 months and 4% for 12 months
• Quick Cash at zero interest with 1.99% processing fee for 6 months and 4% for 12 months
• Redeem cashback instantly from the CBD app and track how much cashback is earned in a calendar month
• Extended Warranty on your items. Double manufacturer warranty period and protect yourself from repair costs.
• Travel insurance for you and your family up to 90 days from the date of travel and up to max USD 500,000
• Buy with peace of mind when purchasing eligible items and paying full using your CBD Super
• Option to take Credit Shield insurance to protect yourself and your family.
• Free for the first year. AED 420 will be charged from the second year.

• Reward Points
  • Earn up to 3 CBD Reward Points on retail spends per AED
  • Redeem your CBD Rewards Points for Skywards & Etihad Miles, cashback, travel bookings, shopping and more
• 0% interest on Balance Transfer and Cash on Call 6- and 12-month plans within 30 days of card issuance.
• Airport Lounge
  • Up to 12 complimentary visits in a calendar year at over 1,000 airport lounges
• Golf Rounds
  • 4 complimentary golf rounds at The Track Meydan and Arabian Ranches Golf Clubs Dubai
• Movie Tickets Discount
  • 50% off on 6 movie tickets at VOX cinema
• Valet Parking
  • 3 complimentary Valet Parking Services per month across 30 locations
• Other travel, hospitality, dining, wellness, and lifestyle benefits.
• Access 500+ dining and lifestyle offers through CBD Mobile app.
• 8% off at Booking.com
  • Enjoy up to 8% discount on accommodation bookings with your CBD Visa infinite Credit Card.
• 12% off at Agoda.com
  • Enjoy up to 12% discount over 985,000+ hotels & vacation rentals worldwide with your CBD Visa Infinite Credit Card.
• Discounts at Emaar Attractions
  • Enjoy discounts and added value at a number of exciting Emaar Attractions, including:
  • 20% discount on Emaar attractions regular admission tickets: KidZania®, Dig It, E-Kart Zabeel, Dubai Aquarium and Underwater Zoo explorer experience
  • 15% discount at Dubai Ice Rink public session tickets
  • Bonus credits on VR Park Dubai: AED 25 bonus credits with AED 75 credits purchase, AED 50 bonus credits with AED 100 credits purchase, AED 125 bonus credits with AED 200 credits purchase.
• No Annual Fee for the first year. AED 787.50 will be charged from the second year onwards but it can be waived off if you spend AED 100,000 in the previous year.

• Earn up to 10% cashback on the following everyday spend categories:
  • Bills (e.g. telecom and utility bills)
  • Education (e.g. schools, colleges and universities)
  • Supermarket (e.g. groceries)
  • Transport (e.g. fuel)
• Movie Tickets
  • 50% discount on VOX & Reel cinemas tickets.
• Valet Parking
  • Complimentary valet parking service across 30 locations
• Airport Lounge
  • Unlimited complimentary access to over 1,000 airport lounges
• Multi-trip travel insurance with coverage of up to USD 500,000
• 0% Easy Payment Plan, Balance Transfer & Quick Cash available at competitive prices.
• Free for the first year. AED 420 will be charged from the second year.

• Everyday cashback
• 5% Cashback on supermarket spends worldwide
• 5% Cashback on dining spends world wide
• 50% Cashback on cinema spends
• Convert your education fees payment to a 3, 6 or 12-month easy payment plan with 0% processing fee.

• Up to 1.5% cashback on your domestic and international spends
• Get up to 80% cash advance on your credit card limit
• Get a free international remittance every month
• Get credit card cheques

• Earn up to 10% cashback on your travel and hotel spends
• Earn up to 10% cashback on supermarket spends
• Earn up to 10% cashback on all your dining spends
• Earn up to 3% cashback on your retail spends
• Enjoy 50% off at Vox cinemas. 4 tickets per month.
• Free for the first year. AED 950 will be charged from second year but can be waived off if you spend AED 100000 in the previous year.

• 20000 AirRewards bonus. No joining fee
• Complimentary annual return ticket to and from AirArabia destination when you spend AED 30000 using your credit card within a year
• Use your AirArabia Platinum credit card to purchase your Tickets from airarabia.com and easily convert it up to 12 months EPP with zero interest and zero processing fee.
• Free airport transfers with Careem
• 50% off Vox Cinema Tickets
• Easy rewards and redemption
• Complimentary baggage and meal vouchers

• Up to 3% back on all spends for airline and hotel redemptions
• Zero foreign transaction fee
• 6 airport transfers per year
• Unlimited access to beach clubs, pools and gyms with elevate premium pass
• Up to AED 200 Cashback monthly on video streaming
• 2 free chauffeured rides monthly with Zofeur
• 2 complimentary padel games every month
• Free 5 GB internet, 50 call minutes and 50 SMS with your travel eSIM
• Complimentary access to over 1300 airport lounges worldwide
• Enjoy 3 complimentary airport security fast track passes
• Travel Insurance
• Elevate's Mastercard Concierge

• 5% Cashback at all the supermarkets in UAE
• 5% Cashback on Dining Spends
• 5% Cashback on Fuel Spends
• 3% Cashback on International (Non-AED spends)
• 1% Cashback at any other shopping
• Movie Offer at VOX Cinema on weekends from 20 Aed
• 20% off on F&B at VOX cinema
• Up to 10% additional cashback with SHOP SMART
• Up to 20% discount on Talabat orders
• 30% off at Lingokids and up to 50% off at Udemy
• Unlimited complimentary access to airport lounges
• Up to 30% off Cleartrip bookings
• Up to 10% back on Bookings. com
• 0% Interest on Quick Cash Loan & Balance Transfer.
• 0% EMI Plan on Purchases for 6,9 & 12 months
• Access to Hundreds of Buy-1 get-1 offers on Spa Treatment, Travel Offer, Fine Dining & much more

• Up to 240,000 bonus FAB Rewards annually on your card spends upon meeting the monthly spend target
• Up to 20% discount on shopping and dining out
• Up to 20% off at selected restaurants across the UAE
• 20% off at the Namshi app
• Standard movie tickets for AED 20 per ticket at Cine Royal, Star cinemas and Reel Cinemas.
• 10% off at selected brands while shopping on Farfetch.
• Travel Benefits
  • 8% off all travel reservations made on cleartrip.ae
  • Access to 25 plus airport lounges around the globe
• Reward Benefits
  • 5 Fab Rewards on online spending including food delivery and shopping
  • Up to 1 FAB Reward on all other spends
  • Redeem Fab Rewards for mall vouchers or win prizes with games and much more

• Free Careem Plus and noon One membership
• 20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid
• Lower interest rate of 1.99% with just 5% minimum repayment
• One-year free Careem Plus membership with unlimited savings on rides, food, groceries, dining out and more
• One-year free noon One membership for offers on essentials and free delivery
• 20% off Dubai Parks & Resorts & Emaar Entertainment
• 20% off one food or grocery order every month on Tabalat with promo code: MASTERCARD
• Standard movie tickets for AED 20 at Cine Royal, Star Cinemas and Reel Cinemas
• Up to 30% off Virgin Megastores on purchases of AED 500+ (max discount AED 150) once monthly
• Up to 50% off Go Gamers premium membership - access tournaments for FIFA, League of Legends and more
• FAB Z Card is free for the first year. AED 100 will be charged from the second year.

• Free annual return flight to regional and European destinations, through INSPIRE. - Available upon card activation for new customers, or with AED 300,000 annual spend for existing cardholders
• 12% cashback (in equivalent FAB Rewards) on all flights and hotel bookings with minimum monthly spend of AED 5,000 in the previous month, capped at AED 1,800
• 3 FAB Rewards for every AED 1 spent in the UAE (excluding hotels and airlines), redeemable for Etihad Guest Miles. Capped at AED 1,800 monthly
• Travel Benefits
  • Genuine 0% foreign currency conversion fees (no transaction processing or scheme fees)
  • Complimentary lounge access for you and two guests. Access for the second guest up to 6 times yearly, with a minimum monthly spend of AED 5,000
  • Complimentary airport transfers 4 times yearly with Careem, capped at AED 83. Use promocode: MAUAE6. Not applicable on Apple Pay or Hala Taxi rides
  • 3 complimentary Fast Track access passes at selected airports in the EU, Turkey and Asia. Download Mastercard Travel Pass app or use the website to make a booking"
  • Up to 10% cashback with Mastercard when booking stays on booking.com through the Mastercard landing page
  • Complimentary Hertz Gold Plus Rewards President's Circle membership
  • 12% off Cleartrip flights and hotels, capped at AED 294, when booking with your World Elite Mastercard card. Use promocode: MCWORLDELITE when booking an international round-trip flight or hotel
  • 3GB free global roaming data - download the Flexiroam app, tap the Mastercard banner, and redeem with your eligible Mastercard
  • Other travel related services: 24/7 travel concierge service available via WhatsApp in English or Arabic. Meet & greet services; Comprehensive travel insurance included - file claims online at mcpeaceofmind.com; Hassle-free visa services - apply at fulfillsolutions.com/Mastercard using your Mastercard
• Reward Benefits
  • 3 FAB Rewards for every AED 1 spent in the UAE (excluding hotels and airlines), redeemable for Etihad Guest Miles. Capped at AED 1,800 monthly
  • 0.5 FAB Rewards for every AED 1 spent on select everyday spending

• 15% back on all du spending (data, devices, plans). Reimbursement is awarded in FAB Rewards capped at 167,000 rewards monthly, on minimum AED 2,500 previous month spend.
• 0% interest payment plans on new du purchases or plans over AED 1000.
• Lifestyle Benefits
  • 20% off one Talabat food or grocery delivery order every month. Use the code: MASTERCARD
  • 25% discount on your first Fiit.tv payment (monthly or yearly) at getfiit.tv/Mastercard when using your du card
• Travel Benefits
  • Airport lounge access during flight delays through the Mastercard Travel Pass app. Visit priceless.com for details
  • Travel discounts at Booking.com, IHG Hotels & Resorts, Avis, Rentalcars.com and more with your du Credit Card and Mastercard
• Reward Benefits
  • Earn 1 FAB Reward for every AED 1 spent locally or internationally, with a monthly cap of 50,000 FAB Rewards
  • Use FAB Rewards for cashback, du bill payments, retail, dining, miles and entertainment. Manage rewards easily through FAB Mobile.

• Exclusive Benefits
  • Chance to win a trip to watch Manchester City play at Etihad Stadium
  • Chance to win official Man City jerseys
  • 10 FAB Rewards for every AED 1 spent at select sports goods and apparel stores
  • 10% off a one-term programme at City Football Schools UAE
  • 20% off a full-season programme at City Football Schools UAE
  • Enrolment in Manchester City's basic "CITYZENS" programme with exclusive member benefits
  • 15% discount on non-sale items at Puma stores
  • 5% off a 2-hour experience at Manchester City Challenge Abu Dhabi
  • Complimentary airport lounge access across the Middle East
  • No annual fee
• Lifestyle Benefits
  • Unlimited access to Mastercard's buy-one-get-one-free offers on fine dining, premium spas or activities throughout Middle East & Africa*
  • 25% off your first Fiit.tv subscription payment (monthly or yearly) at getfiit.tv/mastercard when using your Manchester City Titanium Credit Card*
  • 10% off at geekay.com. Use promo code: MC10*
  • "Service offered and supported by Mastercard. Terms and conditions of the offer(s) may change without prior notice. For updates, visit priceless.com
• Travel Benefits
  • Complimentary access to over 10 airport lounges in the UAE, KSA, Jordan, Kuwait and Egypt
  • 10% cashback on booking.com/mastercardmea. Use promo code: MCBKG
  • *Service offered and supported by Mastercard. Terms and conditions of the offer(s) may change without prior notice. Learn more about a host of other benefits and latest updates at priceless.com
• Reward Benefits
  • 10 FAB Rewards for every AED 1 spent at select sports goods and apparel stores
  • 100,000 bonus FAB Rewards annually when you spend AED 100,000 on your card
  • Up to 1 FAB Reward for every AED 1 you spend
  • Instantly redeem FAB Rewards for shopping, utility bills, cashback or travel bookings

• Exclusive Benefits
  • Earn more on luxury and eco-friendly purchases
  • Exclusive access to luxury venues: beach clubs, gyms, premium dining and more
  • 24/7 global concierge and 5 complimentary valet services*
• Lifestyle Benefits
  • Guaranteed gold when you meet AED 500,000 annual spend target
  • Up to 50% off at five-star restaurants in the UAE
  • Unlimited access to over 60 beach clubs, gyms and sports facilities across the UAE with ADV+
  • 5 free valet parking services monthly at Dubai Mall and other premium locations
  • 24/7 global VIP concierge for travel and lifestyle *
  • Monthly deal: 8 movie tickets for AED 20 at Reel, Royal, Star and VOX Cinemas.
  • 30% off or one complimentary guest on your next Golf game with Thriwe at select golf clubs worldwide*
  • 20% off Emaar attractions
  • 20% off Dubai Holding Entertainment attractions, including Dubai Parks and Resorts, Wild Wadi, The View Palm and more
• Travel Benefits
  • Unlimited complimentary access for you and a guest to over 1200 airport lounges
  • 4 complimentary airport rides yearly with Careem
  • 3 free fast track services yearly: Skip security queues at top EU, Turkey and Asia airports - pre book via Travel Pass App
• Reward Benefits
  • 20 FAB Rewards on luxury spending
  • 10 FAB Rewards on eco-friendly spending
  • 5 FAB Rewards on all other spending
  • 0.5 FAB Rewards on select everyday purchases

• Exclusive Benefits
  • Up to 4.25% discount on advance payment of GEMS school fees, and payment plans with 0% interest and 0% processing fees
  • Education protection of up to AED 500,000 per child
  • 15% off online orders at Carrefour, twice every month, until 31 Dec 2024
  • 15% off online orders at Lulu twice every month, until 31 Dec 2024
• Lifestyle Benefits
  • 20% off entry tickets at Ekart Zabeel, Dubai Ice Rink, KidZania, Dubai Aquarium & Underwater Zoo, The View Palm, until 30 Nov 2024
  • 20% off entry tickets at Al Noor Island, Sharjah, until 31 May 2025
  • 10% off entry tickets at Al Montazah Parks, Sharjah, until 31 May 2025
  • 2 cinema tickets at AED 20 every month at Reel, Cine Royal and Star Cinemas
  • 40% deluxe cinema ticket at Cinepolis, until 31 Dec 2024
• Travel Benefits
  • Unlimited free access to over 1200+ lounges worldwide for you and a guest, six times in a calendar year
  • 2 free airport rides every year with Careem (promo code MAUAE2), cap of USD 12 per ride*
  • 10% off Cleartrip flight and hotel bookings (promo code MCWORLD)*
  • Up to 30% off hotel bookings and access to unparalleled benefits. Visit hotelbookings.priceless.com *
  • 15% discount at IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book on ihg.com/mastercardoffer
  • 10% cashback when booking your next stay on booking.com
• Reward Benefits
  • 10% cashback on school bus transport, uniforms, canteen and extra-curricular activities
  • 2% cashback on international spending
  • 1% cashback on domestic transactions (excluding low interchange merchants)
• Card is first year free. AED 399 will be charged from the second year but it can be waived off if you spend AED 24000 in the previous year.

• Exclusive Benefits
  • 5% cashback in Al-Futtaim FAB Rewards on brands you love, including M&S, IKEA, ACE, Toys R Us and more
  • 2% cashback in Al-Futtaim FAB Rewards on each dirham spent at Al Futtaim schools (Deira International School and Universal American School); car brands such as Volvo, BYD, Dodge, Honda, Jeep, Lexus; and other Al-Futtaim brands
  • Up to 1% cashback in Al-Futtaim FAB Rewards for every AED 1 spent everywhere else*
  • Enjoy 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and brands
  • Free 0% balance transfer for up to 12 months when applied within 90 days of card issuance
  • Enjoy exclusive offers from Al-Futtaim brands
  • Extra 1% cashback on the Blue app when you register and pay with your Blue FAB Credit Card
• Lifestyle Benefits
  • 4 movie tickets monthly for AED 20 at Reel Cinemas, Star Cinemas and Cine Royal, valid all week. Plus 20% off food and beverages. Minimum monthly card spend applies
  • 2 airport transfers every year, from AED 40 within city. Book via email: Fabtransfers@enatravels.com or call 04 852 4856
  • 2-for-1 offers with the Xperience with the ENTERTAINER app
• Travel Benefits
  • Exclusive travel perks with Visa partners - DragonPass Airport dining, YQ Meet & Assist, Avis Car Rental, Booking.com and more*

• Exclusive Benefits
  • 6% cashback in Al-Futtaim FAB Rewards on brands you love, including M&S, IKEA, ACE, Toys R Us and more
  • 3% cashback in Al-Futtaim FAB Rewards on each dirham spent at Al Futtaim schools (Deira International School and Universal American School); car brands such as Volvo, BYD, Dodge, Honda, Jeep, Lexus; and other Al-Futtaim brands
  • Up to 1% cashback in Al-Futtaim FAB Rewards for every AED 1 spent everywhere else*
  • Enjoy 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and brands
  • Free 0% balance transfer for up to 12 months when applied within 90 days of card issuance
  • Enjoy exclusive offers from Al-Futtaim brands
  • Extra 1% cashback on the Blue app when you register and pay with your Blue FAB Credit Card
• Lifestyle Benefits
  • 4 movie tickets monthly for AED 20 at Reel Cinemas, Star Cinemas and Cine Royal, valid all week. Plus 20% off food and beverages. Minimum monthly card spend applies
  • 2 airport transfers every year, from AED 40 within city. Book via email: Fabtransfers@enatravels.com or call 04 852 4856
  • Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
• Travel Benefits
  • Enjoy complimentary access to over 1,000 airport lounges globally
  • 2-for-1 offers with the Entertainer App from Visa"
  • Get exclusive discounts at leading golf courses
  • Exclusive Visa offers on dining, Xperience with The Entertainer and Global Blue*

• Exclusive Benefits
  • 8% cashback in Al-Futtaim FAB Rewards on brands you love, including M&S, IKEA, ACE, Toys R Us and more
  • 4% cashback in Al-Futtaim FAB Rewards on each dirham spent at Al Futtaim schools (Deira International School and Universal American School); car brands such as Volvo, BYD, Dodge, Honda, Jeep, Lexus; and other Al-Futtaim brands
  • Up to 1% cashback in Al-Futtaim FAB Rewards for every AED 1 spent everywhere else*
  • 0% Easy Payment Plans (EPP) on purchases at Al-Futtaim showrooms and brands
  • Free 0% balance transfer for up to 12 months when applied within 90 days of card issuance
  • Enjoy exclusive offers from Al-Futtaim brands
  • Extra 1% cashback on the Blue app when you register and pay with your Blue FAB Credit Card
• Lifestyle Benefits
  • 6 movie tickets monthly for AED 20 at Reel Cinemas, Star Cinemas and Cine Royal, valid all week. Plus 20% off food and beverages. Minimum monthly card spend applies
  • Enjoy 6 airport transfers every year from AED 40 (intra city service) or AED 100 (intercity service). To book this service, e-mail Fabtransfers@enatravels.com or call 04 852 4856
  • Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
• Travel Benefits
  • Enjoy complimentary access to over 1,000 airport lounges globally for you and a guest
  • Benefit from a 24-hour concierge
  • Save up to 12% at over 985,000+ hotels and vacation rentals worldwide with Agoda"
  • Enjoy access to prestigious properties with the Visa Luxury Hotel Collection"
  • 2-for-1 offers on xperience with the ENTERTAINER mobile app
  • Indulge in tax-free shopping with VIP refund services at Global Blue Lounges located in the heart of the most exciting shopping districts
  • Enjoy extra peace of mind with Event Ticket Cancellation when purchasing event tickets*
  • Save up to 25% on YQ Airport meet & assist services at over 500 global destinations

• Exclusive Benefits
  • Earn up to 7% value back in SHARE points at Carrefour for each AED 1 spent
  • Earn up to 5.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
  • Earn up to 3.25% value back in SHARE points on all spending at Mall of the Emirates and City Centres across the UAE
  • Get 2-for-1 cinema tickets at VOX Cinemas
  • Apply and get an instant virtual card to use in digital wallets through the FAB Mobile app
  • Earn SHARE points on all your spending across the UAE and worldwide, including mall shopping, groceries, movies, purchases from exclusive partners, and more
  • Use your SHARE points to pay for purchases and experiences at 3,500 stores in Mall of the Emirates and City Centres across the UAE
  • Access SHARE discounts, exclusive contests and member benefits on the SHARE app
• Lifestyle Benefits
  • Enjoy two VOX Cinemas tickets for the price of one
  • Use SHARE points to pay for purchases and experiences at Mall of the Emirates and all City Centres across the UAE
  • Add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay
• Value Added Benefits
  • Opt for Credit Shield benefits so that your outstanding balance will be paid off if something happens and you can't meet your credit card payments
  • Receive SMS alerts on all your credit card transactions
  • Receive up to four free supplementary cards for your family
  • Get great rates and convenient repayment plans on balance transfers
  • Get Easy Payment Plans with convenient repayments at great rates through the FAB Mobile app
  • Manage your card, payments and much more quickly and easily through the FAB Mobile app

• Exclusive Benefits
  • Get 10,000 complimentary SHARE points (worth AED 1,000) when you activate your FAB SHARE Platinum Credit Card
  • Earn up to 7% value back in SHARE points at Carrefour for each AED 1 spent
  • Earn up to 6.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
  • Get 2-for-1 cinema tickets at VOX Cinemas
  • Apply and get an instant virtual card to use in digital wallets through the FAB Mobile app
  • Earn SHARE points on all your spending across the UAE and worldwide, including mall shopping, groceries, movies, purchases from exclusive partners, and more
  • Use your SHARE points to pay for purchases and experiences at 3,500 stores in Mall of the Emirates and City Centres across the UAE
  • Access SHARE discounts, exclusive contests and member benefits on the SHARE app
• Lifestyle Benefits
  • Enjoy two VOX Cinemas tickets for the price of one
  • Use SHARE points to pay for purchases at Mall of the Emirates and all City Centres in the UAE
  • Add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay
• Value Added Benefits
  • Get discounts on airport transfers with Careem and Visa
  • Receive up to four free supplementary cards for your family
  • Get great rates and convenient repayment plans on balance transfers
  • Get Easy Payment Plans with convenient repayments at great rates through the FAB Mobile app
  • Manage your card, payments and much more quickly and easily through the FAB Mobile app

• Exclusive Benefits
  • Get 15,000 complimentary SHARE points (worth AED 1,500) when you activate your FAB SHARE Signature Credit Card
  • Earn up to 7% value back in SHARE points at Carrefour for each AED 1 spent
  • Earn up to 8.25% value back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers
  • Get 2-for-1 cinema tickets at VOX Cinemas
  • Get a chance to win back your monthly spend at Mall of the Emirates and all City Centres in the UAE (up to AED 1000 for one winner)
  • Apply and get an instant virtual card to use in digital wallets through the FAB Mobile app
  • Use your SHARE points to pay for purchases and experiences at 3,500 stores in Mall of the Emirates and City Centres across the UAE
  • Access SHARE discounts, exclusive contests and member benefits on the SHARE app
• Lifestyle Benefits
  • Enjoy two VOX Cinemas tickets for the price of one
  • Use SHARE points to pay for purchases at Mall of the Emirates and all City Centres in the UAE
  • Get free access to more than 1,000 airport lounges worldwide through LoungeKey from Visa
  • Get 2-for-1 offers with the Entertainer App from Visa
  • Add your FAB SHARE Credit Card on Apple Pay, Google Pay and Samsung Pay
• Value Added Benefits
  • First-of-its-kind biometric verification is built into your credit card for even safer transactions
  • Receive up to four free supplementary cards for your family
  • Get great rates and convenient repayment plans on balance transfers
  • Get Easy Payment Plans with convenient repayments at great rates through the FAB Mobile app
  • Manage your card, payments and much more quickly and easily through the FAB Mobile app

• Travel & Reward perks
• Exclusive Benefits
  • Get up to 10,000 Etihad Guest Miles bonus
  • Earn up to 4 Etihad Guest Miles for every AED 10 spent
  • Earn double Etihad Guest Miles on Etihad flight bookings
  • Earn a 25% Miles discount voucher
  • Enjoy 2 airport transfers every year
• Lifestyle Benefits
  • Enjoy up to 4 discounted movie tickets per month at select cinemas
  • Get exclusive discounts at highly prestigious golf courses with Visa Golf
  • Get great offers with Visa including offers on dining, xperience with The Entertainer and Global Blue"
• Travel Benefits
  • Get up to 2 airport transfers a year
• Reward Benefits
  • Earn Etihad Guest Miles for every AED 10 you spend
  • Domestic transactions (AED): 2.0 Miles earned per AED 10
  • International transactions (non-AED): 3.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

• Travel & Reward perks
• Exclusive Benefits
  • Get up to 35,000 Etihad Guest Miles bonus
  • Earn up to 6.5 Etihad Guest Miles for every AED 10 spent
  • Earn double Etihad Guest Miles on Etihad flight bookings
  • Earn a 50% Miles discount voucher
  • Get fast-tracked for Etihad Guest Silver membership
  • 2 free inflight Wi-Fi vouchers for up to 24 hours of uptime on Etihad flights
  • Get free airport lounge access and discounts on airport transfers
• Lifestyle Benefits
  • Enjoy up to 4 discounted movie tickets per month at select cinemas
  • Get exclusive discounts at highly prestigious golf courses with Visa Golf
  • Enjoy 24-hour Concierge Service to help you with an array of travel-related tasks
  • Get great offers with Visa including offers on dining, xperience with The Entertainer and Global Blue
• Travel Benefits
  • Get up to 2 airport transfers a year
  • Enjoy up to 8 visits to over 1,000+ Airport Lounges in more than 300 cities all around the world using LoungeKey"
• Reward Benefits
  • Earn Etihad Guest Miles for every AED 10 you spend
  • Domestic transactions (AED): 2.75 Miles earned per AED 10
  • International transactions (non-AED): 4.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10
  • Earn Etihad Tier Miles for every AED 10 you spend
  • All purchases (domestic or international): 2.5 Miles earned per AED 10

• Travel & Reward perks
• Exclusive Benefits
  • Get up to 55,000 Etihad Guest Miles bonus
  • Earn up to 7.5 Etihad Guest Miles for every AED 10 spent
  • Earn double Etihad Guest Miles on Etihad flight bookings
  • Earn a 75% Miles discount voucher
  • Get fast-tracked for Etihad Guest Gold membership
  • Get free inflight Wi-Fi vouchers
  • Get free airport lounge access and discounts on airport transfers
• Lifestyle Benefits
  • Enjoy up to 6 discounted movie tickets per month at select cinemas
  • Get exclusive discounts at highly prestigious golf courses with Visa Golf
  • Enjoy 24-hour Concierge Service to help you with an array of travel-related tasks
  • Get great offers with Visa including offers on dining, xperience with The Entertainer and Global Blue*
• Travel Benefits
  • Get up to 6 airport transfers a year
  • Enjoy up to 6 Meet & Greet services every year
  • Enjoy up to 12 visits to over 1,000+ Airport Lounges in more than 300 cities all around the world using LoungeKey
• Reward Benefits
  • Earn Etihad Guest Miles for every AED 10 you spend
  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10
  • Earn Etihad Tier Miles for every AED 10 you spend
  • All purchases (domestic or international): 2.5 Miles earned per AED 10

• 5% Cashback at all the supermarkets in UAE
• 5% Cashback on Dining Spends
• 5% Cashback on Fuel Spends
• 3% Cashback on International (Non-AED spends)
• 1% Cashback at any other shopping
• Movie Offer at VOX Cinema on weekends from 20 Aed
• 20% off on F&B at VOX cinema
• Up to 10% additional cashback with SHOP SMART
• Up to 20% discount on Talabat orders
• 30% off at Lingokids and up to 50% off at Udemy
• Unlimited complimentary access to airport lounges
• Up to 30% off Cleartrip bookings
• Up to 10% back on Bookings. com
• 0% Interest on Quick Cash Loan & Balance Transfer.
• 0% EMI Plan on Purchases for 6,9 & 12 months
• Access to Hundreds of Buy-1 get-1 offers on Spa Treatment, Travel Offer, Fine Dining & much more

• Exclusive Benefits
  • Get up to 10,000 Etihad Guest Miles bonus
  • Earn up to 4 Etihad Guest Miles for every AED 10 spent
  • Earn double Etihad Guest Miles on Etihad flight bookings
  • Earn a 25% Miles discount voucher
  • Enjoy 2 airport transfers every year
• Lifestyle Benefits
  • Get exclusive discounts at highly prestigious golf courses with Visa Golf
  • Get great offers with Visa including offers on dining, xperience with The Entertainer and Global Blue"
• Travel Benefits
  • Get up to 2 airport transfers a year
• Reward Benefits
  • Earn Etihad Guest Miles for every AED 10 you spend
  • Domestic transactions (AED): 2.0 Miles earned per AED 10
  • International transactions (non-AED): 3.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 5.0 Miles earned per AED 10
  • Balance transfer (from other bank credit cards): 2.5 miles earned per AED 10

• Exclusive Benefits
  • Get up to 35,000 Etihad Guest Miles bonus
  • Earn up to 6.5 Etihad Guest Miles for every AED 10 spent
  • Earn double Etihad Guest Miles on Etihad flight bookings
  • Earn a 50% Miles discount voucher
  • Get fast-tracked for Etihad Guest Silver membership
  • 2 free inflight Wi-Fi vouchers for up to 24 hours of uptime on Etihad flights
  • Get free airport lounge access and discounts on airport transfers
• Lifestyle Benefits
  • Get exclusive discounts at highly prestigious golf courses with Visa Golf
  • Enjoy 24-hour Concierge Service to help you with an array of travel-related tasks
  • Get great offers with Visa including offers on dining, xperience with The Entertainer and Global Blue
• Travel Benefits
  • Get up to 2 airport transfers a year
  • Enjoy up to 8 visits to over 1,000+ Airport Lounges in more than 300 cities all around the world using LoungeKey
• Reward Benefits
  • Earn Etihad Guest Miles for every AED 10 you spend
  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10
  • Earn Etihad Tier Miles for every AED 10 you spend
  • All purchases (domestic or international): 2.5 Miles earned per AED 10
  • Balance transfer (from other bank credit cards): 2.5 miles earned per AED 10

• MINIMUM SALARY: AED 30,000
• ANNUAL FEE: AED 2,625
• SALARY TRANSFER: No
• Exclusive Benefits
  • Get up to 55,000 Etihad Guest Miles bonus
  • Earn up to 7.5 Etihad Guest Miles for every AED 10 spent
  • Earn double Etihad Guest Miles on Etihad flight bookings
  • Earn a 75% Miles discount voucher
  • Get fast-tracked for Etihad Guest Gold membership
  • Get free inflight Wi-Fi vouchers
  • Get free airport lounge access and discounts on airport transfers
• Lifestyle Benefits
  • Get exclusive discounts at highly prestigious golf courses with Visa Golf
  • Enjoy 24-hour Concierge Service to help you with an array of travel-related tasks
  • Get great offers with Visa including offers on dining, xperience with The Entertainer and Global Blue*
• Travel Benefits
  • Get up to 6 airport transfers a year
  • Enjoy up to 6 Meet & Greet services every year
  • Enjoy up to 12 visits to over 1,000+ Airport Lounges in more than 300 cities all around the world using LoungeKey
• Reward Benefits
  • Earn Etihad Guest Miles for every AED 10 you spend
  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10
  • Earn Etihad Tier Miles for every AED 10 you spend
  • All purchases (domestic or international): 2.5 Miles earned per AED 10
  • Balance transfer (from other bank credit cards): 2.5 miles earned per AED 10

• Exclusive Benefits
  • Up to 25% off when shopping online at Ounass and 6th Street
  • Free valet parking 5 times a month in the UAE, including at Dubai Mall, Yas Mall and more
  • Up to 20% off at over 100 Emirati preferred restaurants, including Allo Beirut, Emirates Palace and more
  • Up to 30% off at DHE attractions
  • Free access to select gyms and padel courts
  • Up to 15 FAB Islamic Rewards on beauty and fragrance store spending
  • International VIP services including tax free shopping with Global Blue
• Lifestyle Benefits
  • 15% off the Ounass app: no cap or minimum order value
  • Up to 20% off at over 150 select restaurants across the UAE
  • Free access to over 40 gyms and padel courts through ADV+
  • 6 discounted cinema tickets monthly at selected cinemas.
  • 10% off select brands while shopping on Farfetch
• Travel Benefits
  • 10% off all travel reservations made on Cleartrip
  • Unlimited global lounge access for you and a guest
  • International tax-free shopping service with the Shop Tax Free Card, free access to Global Blue City VIP Lounges across Europe and Global Blue fast track services at the Airport VIP Fast Lanes for tax refunds
• Reward Benefits
  • More FAB Rewards per spend: 5 on domestic spending, 10 on international spending and 15 on beauty and fragrances
  • Redeem FAB Rewards for mall vouchers or win prizes with games and much more
• FAB Credit Cards KEY FACT STATEMENT

• Get a welcome bonus of 10,000 SHARE Points equal to AED 1,000 when you spend AED 40,000 in the first 3 months
• Get joining fee back when you complete spend of AED 40,000 in the first 3 months
• Earn 1.5% back as SHARE Points on all other spends
• Earn 8% back as SHARE Points on shopping, dining, leisure and groceries at 5,000+ stores and 18 malls across the UAE
• Redeem SHARE Points instantly at over 5,000 stores in Mall of the Emirates, all City Centre malls, Carrefour, VOX Cinemas and much more

• Get a welcome bonus of 5,000 SHARE Points equal to AED 500 when you spend AED 25,000 in the first 3 months
• Earn 6% back as SHARE Points on shopping, dining, leisure and groceries at 5,000+ stores and 18 malls across the UAE
• Earn 1% back as SHARE Points on all other spends
• Redeem SHARE Points instantly at over 5,000 stores in Mall of the Emirates, all City Centre malls, Carrefour, VOX Cinemas and much more

• Earn 4% back as SHARE Points on shopping, dining, leisure and groceries at 5,000+ stores and 18 malls across the UAE
• Earn 0.75% back as SHARE Point on all other spends
• Redeem SHARE Points instantly at over 5,000 stores in Mall of the Emirates, all City Centre malls, Carrefour, VOX Cinemas and much more
• Free for life credit card
• Buy 1 Get 1 movie free ticket offer on Vox cinemas

• Enjoy exclusive benefits and offers included with automatic Darna Platinum tier status
• 10 Darna Points = AED 1 on redemption with your Emirates NBD Darna Credit Card
• 0% Installment Plan at no cost across Aldar Education & Property
• Complimentary access to top golf courses across the UAE
• Complimentary roadside assistance including recovery, towing, fuel delivery and battery boost
• Complimentary valet parking at select Abu Dhabi locations for your convenience

• Enjoy exclusive benefits and offers included with automatic Darna Gold tier status
• 10 Darna Points = AED 1 on redemption with your Emirates NBD Darna Credit Card
• 0% Installment Plan at no cost across Aldar Education & Property
• Complimentary roadside assistance including recovery, towing, fuel delivery and battery boost

• Enjoy exclusive benefits and offers included with automatic Darna Silver tier status
• 10 Darna Points = AED 1 on redemption with your Emirates NBD Darna Visa Credit Card
• 0% Installment Plan at no cost across Aldar Education & Property
• Get 6.25% value back as Darna Points on all spends at Aldar destinations including Yas Mall, Yas Island theme parks, hotels, spas, golf courses and other Iconic Abu Dhabi attractions.
• Get 0.75% value back as Darna Points on Card spends outside Aldar destinations
• Redeem Darna Points instantly at over 1,200 Aldar destinations

• Receive 1 Free Night Award on cumulative retail spends of US$ 6,000 in the first 3 billing statements from Card issuance.
• Each Free Night Award can be redeemed for a one-night stay at participating Marriott Bonvoy hotels with a redemption level at or under 35,000 Marriott Bonvoy points. Additionally, the value of your Free Night Award can be combined with up to 15,000 points to help you access even more hotels you'll love.

Marriott Bonvoy programme terms and conditions apply.

Marriott Bonvoy Points Earning

• 3 Marriott Bonvoy points per US$1 on spend at hotels and resorts participating in Marriott Bonvoy.1
• Earn up to 1.5 Marriott Bonvoy points per US$1 on international spend.2
• Earn up to 1.5 Marriott Bonvoy points per US$1 on general domestic spend.3
  • 1.5 points per US$1 on general retail shopping (e.g. apparel, dining, etc.)
  • 0.375 points per US$1 on grocery and supermarkets, insurance, car dealership related, and quick-service restaurants (i.e., fast-food restaurants)4
  • 0.15 points per US$1 on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication)

Notes:

1. Additional rewards: This is in addition to the points you'll earn from the loyalty program.
2. International spend is any transaction made internationally in Foreign/non-AED Currency. Spend made on merchants located in European Union and United Kingdom earn 50% of the international spend points.
3. In a given statement cycle, points can be earned for all eligible spend and will be calculated based on category of spend as defined by Mastercard. The Bank or Marriott International are not responsible for merchant's categorization.
4. Spend made under the category quick service restaurants (i.e., fast-food restaurants) will earn 1.5 points per US$1 spent if the value of the transaction is above US$25.

Explore the best-in-class travel and lifestyle privileges

• Earn Etihad Guest Miles on spends
  • 10 Miles per AED 10 spend on Etihad Airways, hotels and dining
  • Up to 6 Miles on all other spends
• Welcome offer: Up to 200,000 Etihad Guest Miles
• Get 50% Etihad Guest Miles redemption discount voucher upon spending every AED 150,0001
• Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends2
• Get 50% more miles when you sign up for the Express Miles program for a nominal fee of AED 250 per month3
• Complimentary airport lounge access to over 1000 lounges worldwide via the Visa Airport Companion App.
• Concierge services to take care of your time-consuming errands
• Valet parking at selected locations in Abu Dhabi
• Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

Notes:

1. Maximum of 2 vouchers per annum upon reaching a spend of AED 150,000. The voucher issuance will be at an interval of 6 months starting from Card issuance date.
2. Maximum 50,000 Tier Miles can be earned per annum.
3. Maximum 4,000 bonus Etihad Guest Miles can be earned per statement cycle.

• Joining Fee: AED 3148.95
• Welcome offer: Up to 100,000 bonus Skywards Miles and complimentary Rotana Rewards membership for one year.
• Complimentary Emirates Skywards Silver membership upgrade.
• Access to Business Class Lounge with your Silver membership.
• Earn 2 Miles per USD 1 on Emirates, flydubai, duty free, online food delivery and car booking apps.
• Earn 1.5 Miles on international spends.
• Earn 1 Mile on domestic spends.

Skywards Miles

• A chance to earn 50% more Skywards Miles on all purchases when you enroll in the Skywards Express Miles programme for a monthly fee of AED 250 + 5% VAT.
• Unlimited complimentary access to over 1000 lounges worldwide via the Visa Airport Companion App.
• Complimentary access to top golfing courses across the UAE.
• Concierge services to take care of your time-consuming errands.
• Valet Parking at selected locations in Abu Dhabi.

dnata Benefits

Introductory Offer

• Up to 2,500 dnata points
  • 1,000 dnata points on payment of the joining fee
  • 1,500 dnata points on retail spends of AED 25,000 in the first 3 billing statements

Earn dnata Points on Spends

• 15% on Costa Coffee, City Sightseeing, Giraffe and dnata Travel
• 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos and on Duty Free shopping
• 1.5% on all retail spends

Extra Benefits

• Complimentary airport lounge access to over 1,000 lounges
• Concierge services to take care of your time-consuming errands
• Complimentary access to top golf courses across the UAE
• Valet Parking at selected locations in Abu Dhabi
• Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

• Joining fees: AED 1575
• Welcome offer: Up to 60,000 Etihad Guest Miles.
• Earn 7 Miles per AED 10 spend on Etihad Airways, hotels and dining.
• Earn up to 4 Miles on all other spends.
• Get 25% Etihad Guest Miles redemption discount voucher upon spending every AED 100,000.
• Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends.
• Complimentary airport lounge access to over 1000 lounges worldwide via the Visa Airport Companion App.
• Concierge services to take care of your time-consuming errands.
• Valet Parking at selected locations in Abu Dhabi.

• Welcome Offer: up to 40,000 bonus Skywards Miles
• Unlimited complimentary access to over 1,000 lounges worldwide via the Visa Airport Companion App for cardholders only
• Complimentary access to top golfing courses across the UAE
• Concierge services to take care of your time-consuming errands

Skywards Miles

Earn Skywards Miles on spends equivalent per USD 1.

• 1.5 miles on Emirates, flydubai
• 1 Mile on International (Non-European Union) spends
• 0.5 Miles on International (European Union and United Kingdom) spends
• 0.75 Mile on domestic spends
• Valet Parking at selected locations in Abu Dhabi
• Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

International Spend: International spend is any transaction made internationally in Foreign/non-AED Currency. Spend made on merchants located in European Union and United Kingdom earn 50% of the international spend points.

• Joining Fees: AED 525
• Introductory offer: Up to 1,000 dnata points.
• Earn 15% on Costa Coffee, City Sightseeing, Giraffe.
• Earn 10% at dnata Travel, MMI, Al Hamra Cellar, Arabian Adventures, Le Clos.
• Earn 5% on Duty Free Shopping.
• Earn 1% on all retail spends.
• Complimentary lounge access with Mastercard Travel Pass.
• Interest rate: 3.49% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

Benefits of the Card

• Earn Plus points up to 5% on your daily spends with instant redemption at POS, against miles and cash back
  • 5% Plus points for AED 5,000 and above transactions
  • 2% Plus points for transactions between AED 2,500 – AED 4,999
  • 1% Plus points for transactions less than AED 2,500
  • 1% Plus points for Supermarkets and groceries, insurance, car dealerships, fuel, utility Payments, real estate, charity, education, quick service restaurant (fast-food restaurant), transit, government services, telecommunication transactions & spends originating in European Union (EU) countries
• Maintain AED 50,000 quarterly spends and be the lucky winner to receive AED 5,000 cashback
• Enjoy free golf in the UAE and up to 40% discount at premium golf courses worldwide
• Airport transfers up to 4 drops a year in the UAE
• Local courier service up to 12 times a year within the UAE
• Enjoy 4 complimentary valet parking services per month of hour each at selected locations in Abu Dhabi

Benefits of the Card

• Earn Plus points up to 5% on your daily spends with instant redemption at POS, against miles and cash back
  • 5% Plus points for AED 5,000 and above transactions
  • 2% Plus points for transactions between AED 2,500 – AED 4,999
  • 1% Plus points for transactions less than AED 2,500
  • 1% Plus points for Supermarkets and groceries, insurance, car dealerships, fuel, utility Payments, real estate, charity, education, quick service restaurant (fast-food restaurant), transit, government services, telecommunication transactions & spends originating in European Union (EU) countries
• Maintain AED 50,000 quarterly spends and be the lucky winner to receive AED 5,000 cashback
• Enjoy free golf in the UAE and up to 40% discount at premium golf courses worldwide
• Airport transfers up to 4 drops a year in the UAE
• Local courier service up to 12 times a year within the UAE
• Enjoy 4 complimentary valet parking services per month of hour each at selected locations in Abu Dhabi

Key Benefits and Highlights

• UPoints on spends
  • 7.5% on all Emaar spends
  • 1.5% on all other spends
• Redeem UPoints instantly at over 2500+ stores across your favorite brands
• Welcome offer: Up to 25,000 UPoints
• Receive U By Emaar Platinum status
• Get 20% off on F&B and spas at Emaar Hospitality Group Hotels
• Complimentary upgrade to a suite on hotel stays
• Up to 30% discount on entertainment at Emaar Entertainment Group
• Buy 1 get 1 free on movie tickets at Reel Cinemas
• Complimentary airport lounge access to over 1000 lounges worldwide via the Visa Airport Companion App
• Concierge services to take care of your time-consuming errands
• Complimentary Valet Parking at the Grand Drive for Galeries Lafayette and The Souk in Dubai Mall*
• Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

Effective 1st May 2025, valet parking at Grand Drive, Dubai Mall, will be unavailable due to ongoing expansion work. U By Emaar Infinite Credit Cardholders will be redirected to the China Town valet area.

Starting 25 January 2025, Valet Parking will be accessible via the U By Emaar App. Simply generate an OTP in the app, which will be verified by the valet parking staff.

Shopping at LuLu Just Got More Exciting

• Earn LuLu Points on spends
  • 7% on LuLu in-store and online spends
  • 4% on fuel spends
  • 2% on utility bill payments
  • 0.7% on other spends
• Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees
• Easily redeem LuLu Points at over 70 LuLu stores
• Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online and other discounts
• Buy 1 get 1 free on movies
• Complimentary lounge access with Mastercard Travel Pass
• Concierge services to take care of your time-consuming errands
• Valet Parking at selected locations in Abu Dhabi
• Interest rate: 3.49% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

• Welcome Bonus: Get a welcome bonus of AED 500 when you spend AED 5,000 on the card in the first two months.
• Earn up to 20% back as noon credits on your spends across all noon platforms.
• 1-year free noon One membership and 50% off thereafter.
• Earn up to 1% on all other spends.

Key Benefits and Highlights

• Free insurance for big ticket purchases
• Plus Points
  • 1.5 Points for every AED 100 spend
  • 0.4% Points for supermarkets, groceries, insurance and car dealership spends
  • 0.2% Points for fuel, utility bill payments, real estate and education spends

  Plus Points earning cap per statement is applicable.

• Interest rate of 3.25% per month; minimum payment: 5% of the outstanding, or AED 100, whichever is higher
• Interest-free period up to 55 days on retail purchases and fees and charges

• Minimum Salary: 12,000
• Annual Fee: No
• Salary Transfer: No
• Complimentary Airport Lounge Access

The Card That Lives Up to Your Lifestyle

• Earn Plus Points on spends
  • Up to 1.5 points for every AED 100 spent
  • 0.4% points on supermarkets, grocery, insurance and car dealership spends
  • 0.2% points for fuel, utility, real estate and education spends

  Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

• Complimentary lounge access with Mastercard Travel Pass
• Up to 40% discount at over 100 golf courses worldwide
• Up to 8% discount when you book with Cleartrip
• Exclusive offers and deals on travel, lifestyle, shopping and more
• 0% Easy Payment Plans at select Merchant Outlets
• Utility bill payments facility

Emaar Card Benefits

• Free for lifetime
• Earn UPoints on spends
  • 1% for all spends
  • 5x extra on spends in Emaar
  • 25% base Upoints for spends in grocery and supermarkets
  • 10% base Upoints for spends in fuel, government services and telecommunication payments
  • 5% Upoints back on spends in Emaar malls and when you dine or stay at Emaar Hospitality Group hotels and restaurants
• Buy 1 get 1 free on movie tickets at Reel Cinemas
• Up to 30% discount on entertainment at Emaar Entertainment Group including The Dubai Underwater Zoo, Kidzania and Dubai Ice Rink
• Interest rate: 3.49% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

Shopping at LuLu Just Got More Exciting

• Free for lifetime
• Earn LuLu Points on spends
  • 3.5% on LuLu in-store and online spends
  • 2% on fuel spends
  • 1% on utility bill payments
  • 0.35% on other spends
• Welcome offer: 0% interest on balance transfers with no processing fees
• Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online and other discounts
• Complimentary lounge access with Mastercard Travel Pass
• Easily redeem LuLu Points at over 70 LuLu stores
• Interest rate: 3.49% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher

Effective 1st May 2025, Airport Lounge Access will be discontinued.

Your Lifestyle. Your Privileges. Your Card.

• Free for lifetime
• Complimentary Airport Lounge Access
• Earn Plus Points on spends
  • Up to 1 point for every AED 100 spent
  • 0.4% points for supermarkets, grocery, insurance and car dealership spends
  • 0.2% points for fuel, utility, real estate and education spends

  Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

• Exclusive offers and deals on travel, lifestyle, shopping and more
• 0% Easy Payment Plans at select Merchant Outlets
• Utility bill payments facility

Exclusive for Abu Dhabi Residents

Good things come in pairs.

• Earn Plus Points on spends
  • 5% Plus Points on grocery, electronics, utilities, education and fuel*
  • 0.5% Plus Points on other spends including travel, dining, hotels and online
• You'll get two cards - a Diners Club and a Mastercard credit card, so you can benefit from the offers from both
• Buy 1 get 1 movie ticket free offer on Royal Cinemas
• Complimentary airport lounge access across the world
• Concierge services to take care of your time-consuming errands
• Complimentary access to top golf courses across the UAE
• 0% Easy Payment Plans at select Merchant Outlets
• Utility bill payments facility

Effective 5th April 2025:

• A minimum monthly spend of AED 5,000 is required to earn 5% Plus Points on Grocery, Electronics, Utilities, Education and Fuel categories. If the minimum monthly spend is not met, you will earn 1.5% Plus Points.
• For all other categories, 0.5% Plus Points will continue to remain applicable.
• Maximum Plus Points per statement will be capped at 500.
• Airport transfers and Valet Parking will be discontinued.

Key Benefits and Highlights

• Free insurance for big purchases
• Plus Points
  • 1.5 points for every AED 100 spend
  • 0.4% points for supermarkets, groceries, insurance and car dealership spends
  • 0.2% points for fuel, utility bill payments, real estate and education spends

  Plus Points earning cap per statement is applicable.

• Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher
• Interest-free period up to 55 days for retail purchases related fees and charges

Diners Club Credit Card Benefits

• Free insurance on big purchases
• Earn Plus Points on spends
  • 5% on Duty Free
  • 2.5% on dining
  • 0.5% on all other spends

  Plus Points earning cap per statement is applicable. Instant Plus points redemptions at key merchant outlets.

• Get unlimited complimentary airport lounge access to over 1000 lounges worldwide
• Exclusive savings on travel, dining, entertainment and much more across the globe
• Emergency & security services, free roadside assistance and more benefits
• 0% Easy Payment Plans at select Merchant Outlets
• Utility bill payments facility

• Exclusively for online shopping,
• Exclusively for online shopping
• 1 Plus Point for every AED 200 spent
• Interest rate of 3.25% per month
• Interest-free period up to 55 days for retail purchases

Customer Needs

• Complimentary flights and upgrades with Etihad Airways

Rewards

• USD 1 = 3.5 Miles (Etihad Airways)
• USD 1 = Up to 3 Miles (International)
• USD 1 = 2.5 Miles (Two chosen categories)
• USD 1 = Up to 2 Miles (Domestic)

Top Selling Features

• Fast-track to Etihad Guest Gold Tier Status
• Choice of two category spends to earn more Miles
• Unlimited 50% Miles back on flight redemptions & upgrades
• Complimentary airport transfers to or from Abu Dhabi airport
• 50% Cashback on Cinema tickets any day of the week (Capped @AED 100 per month)
• 4 complimentary inflight Wi-Fi Vouchers per membership year
• Earn 1 Etihad Tier Mile for every 1 USD or equivalent spent internationally on non-AED currency, max 20,000 Tier Miles per membership year
• 0% Easy Payment Plans on Etihad Purchases up to 6 months
• Unlimited complimentary golf on weekdays and weekends
• Unlimited complimentary lounge access at over 1,000 airports around the world for the Card member and 1 guest
• 2 complimentary valet parking services per month at select locations across UAE

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge - 24X7
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convert your big-ticket transactions into small monthly Installments for up to 12 months
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands CashbackSouk.ae

Customer Needs

• Complimentary flights and upgrades with Etihad Airways

Rewards

• USD 1 = 3 Miles (Etihad Airways)
• USD 1 = Up to 2 Miles (International)
• USD 1 = 2.5 Miles (Two chosen categories)
• USD 1 = Up to 1.5 Miles (Domestic)

Top Selling Features

• Fast-track to Etihad Guest Silver Tier Status
• Choice of two category spends to earn more Miles
• Unlimited 20% Miles back on flight redemptions & upgrades
• Complimentary airport transfers to or from Abu Dhabi airport
• 50% Cashback on Cinema tickets any day of the week (Capped @AED 75 per month)
• 2 complimentary inflight Wi-Fi Vouchers per membership year
• Earn 1 Etihad Tier Mile for every 1 USD or equivalent spent internationally on non-AED currency (max 15,000 Tier Miles per membership year)
• 0% Easy Payment Plans on Etihad Purchases up to 6 months
• Unlimited complimentary lounge access at over 1,000 airports around the world for the Card member
• 2 rounds of complimentary golf per month
• 1 complimentary valet parking service per month at select locations across UAE

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge - 24X7
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @CashbackSouk.ae

Customer Needs

• Complimentary flights and upgrades with Etihad Airways

Rewards

• USD 1=3 Miles (Etihad Airways)
• USD 1=Up to 2 Miles (International)
• USD 1=2.5 Miles (Two chosen categories)
• USD 1=Up to 1.5 Miles (Domestic)

Top Selling Features

• Fast-track to Etihad Guest Silver Tier Status
• Choice of two category spends to earn more Miles
• Unlimited 20% Miles back on flight redemptions & upgrades
• Complimentary airport transfers to or from Abu Dhabi airport
• 50% Cashback on Cinema tickets any day of the week. Capped @AED 75 per month
• 2 complimentary inflight Wi-Fi Vouchers per membership year
• Earn 1 Etihad Tier Mile for every 1 USD or equivalent spent internationally on non-AED currency; max 15,000 Tier Miles per membership year
• 0% Easy Payment Plans on Etihad Purchases up to 6 months
• Unlimited complimentary lounge access at over 1,000 airports around the world for the Card member
• 2 rounds of complimentary golf per month
• 1 complimentary valet parking service per month at select locations across UAE

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge - 24X7
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Transfer your other credit card balances to
• Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands CashbackSouk.ae

Customer Needs

• Complimentary flights and upgrades with Etihad Airways

Rewards

• USD 1=2 Miles (Etihad Airways)
• USD 1=Up to 1.5 Miles (International)
• USD 1=2 Miles (On Mobile Wallets & Online Transactions)
• USD 1=Up to 1 Mile (Domestic)

Top Selling Features

• Unlimited 10% Miles back on flight redemptions & upgrades
• Discounts on dining, travel, hotels and shopping
• 50% Cashback on Cinema tickets any day of the week. Capped @AED 50 per month
• 2 complimentary inflight Wi-Fi Vouchers per membership year
• 0% Easy Payment Plans on Etihad Purchases up to 6 months

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @CashbackSouk.ae

Customer Needs

• Complimentary flights and upgrades with Emirates and flydubai

Rewards

• USD 1=2 Skywards Miles (Emirates & flydubai)
• USD 1=Up to 1.5 Skywards Miles (International)
• USD 1=Up to 1 Skywards Miles (Domestic)

Top Selling Features

• Automatic upgrade to Emirates Skywards Silver Membership
• Unlimited complimentary lounge access at over 1,000 airports around over 1.00 the world for the Card member and 1 guest
• Up to 3 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• Unlimited complimentary golf on weekdays and weekends
• 2 complimentary valet parking services per month at select locations across UAE
• 0% Easy Payment Plan for 3 months when you purchase your ticket from Emirates to any destination around the world
• Redeem Miles for complimentary flights and upgrades on Emirates & flydubai
• 2 additional Skywards Miles for every USD 1 spent with ExtraMiles App for hotel bookings, flight ticket bookings & car rentals through the app

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge - 24X7
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Secure online shopping with 3D Secure feature
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @ CashbackSouk.ae

Customer Needs

• Complimentary flights and upgrades with Emirates and flydubai

Rewards

• USD 1-2 Skywards Miles (Emirates & flydubai)
• USD 1-Up to 1.5 Skywards Miles (International)
• USD 1-Up to 1 Skywards Miles (Domestic)

Top Selling Features

• Automatic upgrade to Emirates Skywards Silver Membership
• Unlimited complimentary lounge access at over 1,000 airports around over 1.00 the world for the Card member and 1 guest
• Up to 3 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• Unlimited complimentary golf on weekdays and weekends
• 2 complimentary valet parking services per month at select locations across UAE
• 0% Easy Payment Plan for 3 months when you purchase your ticket from Emirates to any destination around the world
• Redeem Miles for complimentary flights and upgrades on Emirates & flydubai
• 2 additional Skywards Miles for every USD 1 spent with ExtraMiles App for hotel bookings, flight ticket bookings & car rentals through the app

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge - 24X7
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Secure online shopping with 3D Secure feature
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @ CashbackSouk.ae

Customer Needs

• Rewards flexibility
• Instant redemption
• Choice of redeeming rewards for any retail transaction

Rewards

• Up to 2.25 El SmartMiles per AED 1 spend Internationally
• Up to 1.25 El SmartMiles per AED 1 spend domestically

Top Selling Features

• Up to 2 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• El SmartMiles - The best rewards programme in UAE
• First time in UAE, redeem El SmartMiles for any retall transaction-local or international through feature without any blackout dates
• Choice to exchange El SmartMiles with U By Emaar, Emirates Skywards, Etihad Guest and Intermiles
• Redemption options also include 300 airlines, 180,000 hotels worldwide and gift vouchers
• Purchase Protection for lost, stolen or damaged goods
• Extended Warranty benefit that automatically doubles the warranty for an item purchased with your card
• Redeem El SmartMiles through online redemption portal www.eirewards.ae or through El Rewards Mobile App

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @CashbackSouk.ae

Customer Needs

• Rewards flexibility
• Instant redemption
• Choice of redeeming rewards for any retail transaction

Rewards

• Up to 3.75 El SmartMiles per AED 1 spend internationally
• Up to 2.50 El SmartMiles per AED 1 spend domestically

Top Selling Features

• Unlimited complimentary golf on weekdays and weekends
• Up to 3 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• Unlimited complimentary lounge access at over 1,000 airports around the world for the Card member and 1 guest
• 2 complimentary valet parking services per month at select locations across UAE
• El SmartMiles - The best rewards programme in UAE
• First time in UAE, redeem El SmartMiles for any retail transaction - local or international through feature without any blackout dates
• Choice to exchange El SmartMiles with U By Emaar, Emirates Skywards, Etihad Guest and Intermiles
• Redemption options also include 300 airlines, 180,000 hotels worldwide and gift vouchers
• Redeem El SmartMiles through online redemption portal www.eirewards.ae or through El Rewards Mobile App

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge 24X7
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convert your big-ticket transactions into small monthly installments for up to 12 months
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @CashbackSouk.ae

Customer Needs

• Rewards flexibility
• Instant redemption
• Choice of redeeming rewards for any retail transaction

Rewards

• Up to 3.75 El SmartMiles per AED 1 spend internationally
• Up to 2.50 El SmartMiles per AED 1 spend domestically

Top Selling Features

• A metal card with cutting-edge design
• Exclusive for UAE nationals
• Unlimited complimentary lounge access at over 1,000 airports around the world
• Up to 2 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• 2 complimentary valet parking services per month at select locations across UAE
• El SmartMiles - The best rewards programme in UAE
• First time in UAE, redeem El SmartMiles for any retail transaction - local or international through feature without any blackout dates
• Choice to exchange El SmartMiles with U By Emaar, Emirates Skywards, Etihad Guest and Intermiles
• Redemption options also include 300 airlines, 180,000 hotels worldwide and gift vouchers
• Redeem El SmartMiles through online redemption portal www.eirewards.ae or through El Rewards Mobile App

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge - 24X7
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @CashbackSouk.ae

Customer Needs

• Cashback on all your spends

Rewards

• 5% cashback on Etisalat and du spends (up to AED 100 per month)
• 5% cashback on electronics stores purchases (up to AED 100 per month)
• Up to 1% on all other transactions

Top Selling Features

• No minimum spends thresholds to earn cash back
• No blackout dates for redemption of cashback
• Cashback amount can be used for paying outstanding balance
• Purchase Protection for lost, stolen or damaged goods
• Extended Warranty benefit that automatically doubles the warranty for an item purchased with your card
• Up to 2 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands CashbackSouk.ae

Note: No AMF subject to a minimum annual spend of AED 5000

Customer Needs

• Up to 10% cashback on daily spend categories
• Dual purpose credit and a NOL card with rewards

Rewards

• Up to 10% cashback on groceries
• Up to 10% cashback on dining
• Up to 10% cashback on education
• Up to 10% cashback on telecommunication

Top Selling Feature

• An embedded RTA NOL chip that allows you to make payments on the RTA transport network
• Auto top-up facility for Salik and NOL accounts
• Gold class cabin access on Dubai Metro
• Unlimited complimentary access to over 1,000 airport lounges worldwide
• Up to 2 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• 2 rounds of complimentary golf per month

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• Complimentary travel insurance of up to USD 500,000 (Insurance is required to apply for Schengen/other countries Visa)
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Complimentary global concierge -24X7
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @ CashbackSouk.ae

Customer Needs

• Dual purpose credit and a NOL Card with rewards

Rewards

• 10% cashback on fuel spends (up to AED 100 per month)
• 10% cashback on RTA Transport payments (up to AED 100 per. month)
• Up to 2.25% cash back on International spends
• Up to 1.25% cashback on all other spends

Top Selling Features

• Auto top-up of your Salik and NOL
• No need to carry two different Cards
• One single card for NOL and credit transactions
• No blackout dates for redemption of cashback
• Up to 2 "Buy 1 Get 1" complimentary Reel movie tickets each month, any day of the week.
• Cashback amount can be used for paying outstanding balance
• Access to regular class and regular class fare deduction from Nol Tag ID

Benefits and Privileges

• Up to 4 complimentary Supplementary Cards with no AMF
• USD 25 food or beverages credit at 900+ hotels worldwide with Visa Luxury Hotel Collection
• Transfer your other credit card balances to Emirates Islamic and lower your monthly payments
• Secure online shopping with 3D Secure feature
• Convert your big-ticket transactions into small monthly installments with our Easy Payment Plans
• Convenience, security and easy payments with Apple Pay, Samsung Pay and Google Pay
• Up to 25% cashback on 1,500+ brands @ CashbackSouk.ae

Welcome Offer

• Get AED 500 Cashback points on spends of AED 15,000 within 60 days of Card approval.
• Earn up to 8% cashback by switching between Lifestyle and Travel categories via EI Rewards.
• Enjoy exclusive offers and rewarding benefits.

Lifestyle Spends (Cashback % and Monthly Limit in AED)

• Supermarkets (Local spends in UAE): 4% – Limit 200
• Dining (Including online orders): 4% – Limit 200
• Fuel (Local spends in UAE): 8% – Limit 100
• Education: 4% – Limit 200
• Telecom, Utilities, Real Estate & Government Spends: 0.5% – Unlimited
• Other Spends: 1% – Unlimited

Important Information

• You may switch between Lifestyle or Travel categories anytime. Cashback is calculated monthly based on the latest selection.
• Cashback eligibility requires minimum retail spends of AED 2,500 in a calendar month. Credited within 3 business days of the following month.
• No membership fee for the first year. From the second year onward, the fee is waived if annual spends exceed AED 30,000.

Redeem Your Cashback (via EI Rewards)

• Pay your credit card outstanding balance with cashback as a statement credit.
• Redeem instantly at 300+ airlines, 180,000+ hotels, car rentals, and more.
• Exchange with partner loyalty programs: Avios (Qatar Airways), Upoints (Emaar), Emirates Skywards, Marriott Bonvoy, Etisalat Smiles, Etihad Guest, AirRewards (Air Arabia).
• Shop online at EI Rewards Market Place (fashion, electronics, etc.).
• Choose e-vouchers for flexible gifting.

Extra Benefits

• Earn unlimited cashback up to 1% on local & international spends.
• Buy 1 Get 1 on movie tickets.
• Access to 900+ airport lounges.
• Valet parking.
• Airport Meet & Greet services.
• Golf rounds.

Membership Fee Information

• No membership fee for the first year & in the subsequent years the annual membership fee will be waived if spends in last 12 months exceed AED 30,000.

Discover a whole new level of savings through ULTRACASH Credit Card

• Get up to 10% Cash Back on your everyday purchases, ranging from FUEL, ONLINE SHOPPING, SUPERMARKETS, AND SCHOOL FEES. Save up to AED 8,000 annually.
• Complimentary valet parking and access to airport lounges world-wide
• 0% Balance Transfer for 3 or 6 months

Enjoy great savings through Cash Back Rewards Program:

• Get up to 10% Cash Back on your everyday purchases
• Select 2 of 4 everyday spending categories and get up to 10% Cashback (UAE Nationals) and 5% Cashback (Expatriates).
• Choose from FUEL, ONLINE SHOPPING, SUPERMARKETS, AND SCHOOL FEES.
• 1% Cash back on all other retail spend
• Instant Cash back redemption from Ajman Bank Connect Digital Application

Card Features:

• Worlds first MasterCard Touch Card
• Manage your cards on the go from Ajman Bank Connect Digital Application
• Enjoy a seamless & secure payment experience through mobile using Apple Pay, Google Pay, Samsung Pay Wallet
• Contactless Card purchase for faster & convenient transactions for smaller day to day shopping

Lifestyle Benefits

Valet Parking
Complimentary valet parking across 24+ locations

Airport Lounge Access
Complimentary access to over 1,200+ airport lounges

Balance Transfer
Save on your other bank's credit card high fees and charges through 0% Balance Transfer on Ajman Bank Credit Card for 3 or 6 months.

Instant Easy Cash
Transfer cash instantly to your account from Ajman Bank Connect Digital Application at low profit rates.

Instant Easy Payment Plan
Convert your retail spends instantly from Ajman Bank Connect Digital Application at low profit rates.

Free Supplementary cards
Free Supplementary cards.

Other Benefits:

• Enjoy 20% off on 2 food or grocery per month with Talabat
• Enjoy up to 20% off on 3 rides with Careem
• Enjoy up to 8% on your next flight or hotel stay with Cleartrip
• Get 10% money back on your next stay on booking.com
• Buy One Get One Free deals at restaurant, hotels, leisure attractions, Spa, accommodation by downloading Priceless special app from App store or Google Play
• Get 10% off merchandise, apparel and action figures on Geekay one of the largest gaming retailer in Middle East www.geekay.com/mastercard
• Get up to 4 complimentary food and/or drink items in Costa Coffee Outlets in Dubai's airports
• Enjoy 10% discount when you rent a car with rentalcars.com
• Enjoy 20% off on your next rent a car with avisworld.com/mastercardmea

• Travel Rewards like no other card! 0% Foreign Currency Fee, Earn up to 2.5% return on your spends through BRright Rewards program with no caps.
• Unlimited Redemption Options for FREE Flights, FREE Hotels, FREE Shopping and much more!
• Complimentary valet parking and access to airport lounges world-wide.
• 0% Balance Transfer for 3 or 6 months.

Travel Rewards:

• Earn up to 2.5 BRight Rewards for every AED 10 spend.
• 2.5% return on your spends through BRight Rewards program with no caps.
• 0% Foreign Currency Fee.
• Instant BRight rewards redemption from Ajman Bank Connect Digital Application.

Lifestyle Benefits:

• Valet Parking: Complimentary valet parking across 32+ locations.
• Airport Lounge Access: Complimentary access to over 1,200+ airport lounges.
• Balance Transfer: Save on your other bank's credit card high fees and charges through 0% Balance Transfer on Ajman Bank Credit Card for 3 or 6 months.
• Instant Easy Cash: Transfer cash instantly to your account from Ajman Bank Connect Digital Application at low profit rates.
• Instant Easy Payment Plan: Convert your retail spends instantly from Ajman Bank Connect Digital Application at low profit rates.
• Free Supplementary cards: Free Supplementary cards.

Card Features:

• Manage your cards on the go from Ajman Bank Connect Digital Application.
• Enjoy a seamless & secure payment experience through mobile using Apple Pay, Google Pay, Samsung Pay Wallet.
• Contactless Card purchase for faster & convenient transactions for smaller day to day shopping.

Other Benefits:

• Enjoy 20% off on 2 food or grocery per month with Talabat.
• Enjoy AED40 off on your next purchase at Carrefour.
• Enjoy 2 complimentary Airport transfer with Careem.
• Enjoy up to 20% off on 3 rides with Careem.
• Travel with peace of mind with Travel medical and inconvenience takaful (Insurance).
• Enjoy 10% off on selected brands with Farfetch.
• Enjoy up to 10% on your next flight or hotel stay with Cleartrip.
• Get 10% money back on your next stay on booking.com.
• Buy One Get One Free deals at restaurant, hotels, leisure attractions, Spa, accommodation by downloading Priceless special app from App store or Google Play.
• Get 10% off merchandise, apparel and action figures on Geekay one of the largest gaming retailer in Middle East www.geekay.com/mastercard.
• Get up to 4 complimentary food and/or drink items in Costa Coffee Outlets in Dubai's airports.
• Enjoy 10% discount when you rent a car with rentalcards.com.
• Enjoy 20% off on your next rent a car with avisworld.com/mastercardmea.

• Travel Rewards like no other card! 0% Foreign Currency Fee, earn up to 1.5% return on your spends through BRight Rewards program with no caps.
• Unlimited Redemption Options for FREE Flights, FREE Hotels, FREE Shopping and much more!
• Complimentary valet parking and access to airport lounges world-wide.
• 0% Balance Transfer for 3 or 6 months.

Travel Rewards:

• Earn up to 1.5 BRight Rewards for every AED 10 spend.
• 1.5% return on your spends through BRight Rewards program with no caps.
• 0% Foreign Currency Fee.
• Instant BRight rewards redemption from Ajman Bank Connect Digital Application.

Lifestyle Benefits:

• Valet Parking: Complimentary valet parking across 24+ locations.
• Airport Lounge Access: Complimentary access to over 25+ airport lounges.
• Balance Transfer: Save on your other bank's credit card high fees and charges through 0% Balance Transfer on Ajman Bank Credit Card for 3 or 6 months.
• Instant Easy Cash: Transfer cash instantly to your account from Ajman Bank Connect Digital Application at low profit rates.
• Convert your retail spends instantly from Ajman Bank Connect Digital Application at low profit rates.

Card Features:

• Manage your cards on the go from Ajman Bank Connect Digital Application.
• Enjoy a seamless & secure payment experience through mobile using Apple Pay. Google Pay, Samsung Pay Wallet.
• Contactless Card purchase for faster & convenient transactions for smaller day to day shopping.

Other Benefits:

• Enjoy 20% off on 2 food or grocery per month with Talabat.
• Enjoy up to 20% off on 3 rides with Careem.
• Enjoy up to 8% on your next flight or hotel stay with Cleartrip.
• Get 10% money back on your next stay on booking.com.
• Buy One Get One Free deals at restaurant, hotels, leisure attractions, Spa, accommodation by downloading Priceless special app from App store or Google Play.
• Get 10% off merchandise, apparel and action figures on Geekay one of the largest gaming retailer in Middle East www.geekay.com/mastercard.
• Get up to 4 complimentary food and/or drink items in Costa Coffee Outlets in Dubai's airports.
• Enjoy 10% discount when you rent a car with rentalcards.com.
• Enjoy 20% off on your next rent a car with avisworld.com/mastercardmea.

• Free for Life with no Annual Membership Fee.
• Earn up to 1% return on your spends through BRight Rewards program with no caps.
• Unlimited Redemption Options for FREE Flights, FREE Hotels, FREE Shopping and much more!
• Complimentary valet parking and access to airport lounges world-wide.
• 0% Balance Transfer for 3 or 6 months.

Travel Rewards:

• Earn up to 1 BRight Rewards for every AED 10 spend.
• 1% return on your spends through BRight Rewards program with no caps.
• Instant BRight rewards redemption from Ajman Bank Connect Digital Application.

Lifestyle Benefits:

• Valet Parking: Complimentary valet parking across 24+ locations.
• Airport Lounge Access: Complimentary access to over 25+ airport lounges.
• Balance Transfer: Save on your other bank's credit card high fees and charges through 0% Balance Transfer on Ajman Bank Credit Card for 3 or 6 months.
• Instant Easy Cash: Transfer cash instantly to your account from Ajman Bank Connect Digital Application at low profit rates.
• Instant Easy Payment Plan: Convert your retail spends instantly from Ajman Bank Connect Digital Application at low profit rates.
• Free Supplementary cards.

Card Features:

• Manage your cards on the go from Ajman Bank Connect Digital Application.
• Enjoy a seamless & secure payment experience through mobile using Apple Pay, Google Pay, Samsung Pay Wallet.
• Contactless Card purchase for faster & convenient transactions for smaller day to day shopping.

Other Benefits:

• Enjoy 20% off on 1 food or grocery per month with Talabat.
• Enjoy up to 20% off on 3 rides with Careem.
• Enjoy up to 8% on your next flight or hotel stay with Cleartrip.
• Get 10% money back on your next stay on booking.com.
• Buy One Get One Free deals at restaurant, hotels, leisure attractions, Spa, accommodation by downloading Priceless special app from App store or Google Play.
• Get 10% off merchandise, apparel and action figures on Geekay one of the largest gaming retailer in Middle East www.geekay.com/mastercard.
• Get up to 4 complimentary food and/or drink items in Costa Coffee Outlets in Dubai's airports.
• Enjoy 10% discount when you rent a car with rentalcars.com.
• Enjoy 20% off on your next rent a car with avisworld.com/mastercardmea.

• Choose your reward: Earn up to 50,000 Joy Points/month on lifestyle or travel, OR enter a draw to WIN AED 250,000 every 6 months.
• Earn up to AED 700 Welcome Bonus.
• First Year Free annual fee.
• Buy 1 Get 1 Free movie tickets at VOX & REEL cinemas.
• 20% off at Emaar Entertainment spots like KidZania and Dubai Ice Rink.

• Choose your reward: Earn up to 75,000 Joy Points/month on lifestyle or travel, OR enter a draw to WIN AED 250,000 every 6 months.
• Earn up to AED 700 Welcome Bonus.
• Free for life (limited time offer).
• Buy 1 Get 1 Free movie tickets at VOX & REEL cinemas.
• 20% off at Emaar Entertainment spots like KidZania and Dubai Ice Rink.

• Choose your reward: Earn up to 100,000 Joy Points/month on lifestyle or travel, OR enter a draw to WIN AED 250,000 every 6 months.
• Earn up to AED 700 Welcome Bonus.
• Free for life (limited time offer).
• Buy 1 Get 1 Free movie tickets at VOX & REEL cinemas.
• 20% off at Emaar Entertainment spots like KidZania and Dubai Ice Rink.

Benefits:

• Enjoy zero annual fees.
• Eam 2 Miles Plus rewards for every RED 1 spend internationally and 1 MilesPlus reward for domestic spend.
• Redeem reward points for Flight & Hotel booking. Shopping vouchers.
• Cashback & more through Aafaq Digital app.
• Balance Transfer, Easy Payment Plans and Finance on Phone facility for up to 48 months at competitive profit rate.
• Convenient, contactless payments on the go with Samsung Pay and Google Pay.

Lifestyle and other Benefits:

• Valet parking facility within the URE at selected locations twice a month.
• Unlimited complimentary airport lounge access at 25+ locations.
• Discount on Shahid VIP monthly plan an Arabic content streaming platform.
• 1000+ exciting Buy one Get one offers year long with priceless Specials.
• Discounts on Gym memberships, Careem rides, food and grocery and much more.

*BT/FOP/EPP for tenure 18 to 48 months are offered at the discretion of Aafaq for credit card issued after 10Feb2024.Warning: if only the minimum repayment payment is made each statement period you will pay more in profit fees and it will take longer to pay off your outstanding balance.

Benefits:

• Exciting Buy 1 Get 1 offer across Middle East with priceless specials.
• Balance Transfer, Easy Payment Plans and Finance on Phone facility for up to 48 months at competitive profit rate.
• Convenient, contactless payments on the go with Samsung Pay and Google Pay.
• Annual Fee reversal on spends of AED 5,000 in 12 months.

Lifestyle and other Benefits:

• Complimentary airport Lounge access at 10. lounges.
• Discount on Shahid VIP monthly plan - an Arabic content streaming platform.
• Hotels discounts and other benefits.
• Discounts on Gym memberships, Careem rides, food and grocery and much more.

• *BT/FOP/EPP for tenure 18 to 48 months are offered at the discretion of Aafaq for credit card issued after 10Feb2024.
• *Please be informed that on annual fee of AED 200+ VAT applies. which will be reversed if a total spend of AED 5000 is made within 12 months from the card issuance.
• *Warning: if only the minimum repayment/payment is made each statement period you will pay more in profit fees and it will take longer to pay off your outstanding balance.
• Aafaq Islamic Finance Key Facts Statement

Airport Services:

• Flight Delay Benefit access via Travel Pass.
• Priceless Cities.

Hotels & Stays:

• Booking.com discount.
• Exclusive offers on IHG Hotels & Resorts.

Transport & Shopping:

• Rentalcars.com Discount.
• Avis Car Rental.
• Budget Truck & Car Rental.
• Heathrow Express discounts.
• Medical Tourism Concierge.

Experiences & Lifestyle:

• Mastercard Gamer Pass with Go Gamers.
• Food & Groceries.
• Talabat food & grocery discounts.

Memberships & Apps:

• MyUS premium membership.
• Fiit fitness app discounts.
• Lingokids discount.
• Zee5 subscription.
• Shahid monthly VIP package.
• Midasbuy PUBG UCs discount points.
• ExpressVPN subscription discount.

Airport Services:

• lounge access via Travel Pass.
• Priceless Cities.

Hotels & Stays:

• Booking.com discount.
• Exclusive offers on IHG Hotels & Resorts.
• Trip.com discounts.

Transport & Shopping:

• Rentalcars.com Discount.
• Avis Car Rental.
• Budget Truck & Car Rental.
• Costa Coffee offer.
• Heathrow Express discounts.
• Medical Tourism Concierge.

Experiences & Lifestyle:

• Mastercard Gamer Pass with Go Gamers.
• Bicester Village Shopping Collection.

Food & Groceries:

• Talabat food & grocery discounts.

Memberships & Apps:

• MyUS premium membership.
• Fiit fitness app discounts.
• Lingokids discount.
• Zee5 subscription.
• Shahid monthly VIP package.
• Midasbuy PUBG UCs discount points.
• ExpressVPN subscription discount.

Insurance Coverage:

• Purchase Protection.

Airport Services:

• Airport lounge access via Travel Pass.
• Complimentary airport transfers with Careem.
• Global data roaming package.
• Priceless Cities.

Hotels & Stays:

• Booking.com discount.
• Exclusive offers on IHG Hotels & Resorts.
• Trip.com discounts.

Transport & Shopping:

• Rentalcars.com Discount.
• Avis Car Rental.
• Budget Truck & Car Rental.
• Hertz Gold Plus Rewards Five Star Membership.
• Medical Tourism Concierge.
• Global Blue VIP services.
• Costa Coffee offer.
• Heathrow Express discounts.

Experiences & Lifestyle:

• Mastercard Gamer Pass with Go Gamers.
• Bicester Village Shopping Collection.

Food & Groceries:

• Talabat food & grocery discounts.
• Carrefour online grocery delivery discounts.

Memberships & Apps:

• MyUS premium membership.
• Fiit fitness app discounts.
• Lingokids discount.
• Zee5 subscription.
• Shahid monthly VIP package.
• Midasbuy PUBG UCs discount points.
• ExpressVPN subscription discount.

Insurance Coverage:

• Travel inconvenience insurance.
• Travel medical insurance.
• Travel insurance confirmation letter.

Airport Services:

• Airport lounge access via Travel Pass.
• Complimentary airport transfers with Careem.
• Airport fast-track security services.
• Global data roaming package.
• Priceless Cities.

Hotels & Stays:

• GHA Discovery Titanium Membership.
• Booking.com discount.
• Exclusive offers on IHG Hotels & Resorts.
• Trip.com discounts.

Transport & Shopping:

• Rentalcars.com Discount.
• Avis Car Rental.
• Budget Truck & Car Rental.
• Hertz Gold Plus Rewards Five Star Membership.
• Medical Tourism Concierge.
• Global Blue VIP services.
• Costa Coffee offer.
• Heathrow Express discounts.

Experiences & Lifestyle:

• Mastercard Travel & Lifestyle Concierge.
• Thriwe discount or complimentary guest.
• Mastercard Gamer Pass with Go Gamers.
• Bicester Village Shopping Collection.

Food & Groceries:

• Talabat food & grocery discounts.
• Carrefour online grocery delivery discounts.

Memberships & Apps:

• MyUS premium membership.
• Fiit fitness app discounts.
• Lingokids discount.
• Zee5 subscription.
• Shahid monthly VIP package.
• Midasbuy PUBG UCs discount points.
• ExpressVPN subscription discount.

Insurance Coverage:

• Travel inconvenience insurance.
• Travel medical insurance.
• Collision damage waiver.
• Travel insurance confirmation letter.

NBF Rewards:

• Easily accumulate points through various banking activities and conveniently redeem them for a wide selection of rewards using the NBF Mobile Banking App.

Movie & Entertainment:

• Buy 1 Get 1 FREE at VOX Cinemas and Reel Cinemas, with up to a maximum of 4 free movie tickets monthly.

Airport Services:

• Experience luxury airport lounge access with the new Visa Airport Companion (VAC) app! Enjoy over 1,200 lounges and personalized benefits.

Financial Services:

• 0% Instalment Plan: Convert transactions into manageable monthly payments with 0% interest rates on Easy Payment Plans.
• Balance Transfer: Transfer outstanding credit card balance from any card to NBF and enjoy special promotional interest rates for three to 24 months (up to 90% of your credit limit).
• EZ draft / Cash on Call: Get up to 70% of your available credit limit transferred into your account with flexible repayment options.
• Direct Debit Facility: Enjoy the convenience of making minimum or full payments from your NBF account.

Concierge & Support:

• 24/7 Concierge: The Visa Infinite Concierge is available 24/7 to assist with services like concert tickets, travel arrangements, and restaurant reservations.
• Global Customer Assistance: Visa's Global Customer Assistance Services will help you 24/7 if you lose your card.

Card Features:

• Chip & PIN and Visa payWave: Enjoy enhanced security and the convenience of 'tap to pay' on transactions up to AED 300.
• Extended Warranty: Receive double the warranty on purchases made with your card.
• Multi-trip Travel Insurance: Get free comprehensive domestic and international travel insurance for you and your immediate family for up to 90 days.
• Global Acceptability: Withdraw instant cash at over 840,000 ATMs worldwide and at over 28 million establishments.
• Supplementary Card: Give up to two supplementary cards to family members over 15.
• Foreign Transactions: All transactions are converted from the transaction currency to US Dollars and then back to AED for payment.
• Mobile Banking/SMS Alert Services: Receive free SMS alerts for all your credit card transactions and payments.

Important Notes:

• *Fees apply for card blocking, card replacement, and emergency cash withdrawal.

Financial Services:

• 0% Instalment Plan: Convert your transactions into manageable monthly payments and enjoy 0% interest rates on Easy Payment Plans.
• Balance Transfer Facility: Transfer your outstanding credit card balance from any card to NBF and enjoy special promotional interest rates and repayment period options from three to 24 months. You can transfer up to 90% of your available credit limit.
• Terms and Conditions:
  • *Maximum of 90% available Limit can be transferred
  • *A foreclosure fee of AED 50 per BT plan will apply.
• EZ draft / Cash on Call Facility: Get access to additional funds to meet unexpected expenses and get up to 70% of your available credit limit transferred into your account. Flexible repayment options start from three months.

Global Acceptability & Cash Advance:

• Shop when and where you want with an NBF platinum exclusive credit card.
• Withdraw instant cash at over 840,000 ATMs worldwide.
• Withdraw cash over the counter at any NBF branch.
• Worldwide card acceptance at over 20 million establishments.
• Cash Advance Facility: You can withdraw up to 40% of your available credit limit at any ATM across the globe that accepts Visa. Cash can also be withdrawn over the counter at other banks worldwide.

Card Features:

• Supplementary Card: Give your family members NBF supplementary credit cards. You can have up to five credit cards issued to family members who are over 15 years of age.
• Foreign Transactions: When you use your NBF credit card abroad, the transaction amount is converted from the transaction currency to US dollars, based on the prevailing international exchange rate on that date. All transactions are then converted back to AED for payment.
• Direct Debit Facility: Enjoy the convenience and flexibility of making minimum or 100% payments as specified on your monthly statements via your NBF account.
• Mobile Banking/SMS Alert Services: For your security and to keep you up to date, you will receive free SMS alerts for all your NBF credit card transactions, payment due date reminders, and any card statements issued.
• Chip & PIN and Visa payWave: To enhance your safety, NBF's credit cards are chip & PIN and Visa payWave enabled. Enjoy enhanced security and the convenience of a 'tap to pay' feature to speed up payment on transactions up to AED 300.
• Other Features:
  • 24/7 customer support via call centre 600-565551.
  • Interest-free credit for up to 50 days.
  • Flexible payment options with a minimum of 5% of the outstanding balance.
  • Low finance charges.
  • Exciting monthly promotions.

Rewards & Promotions:

• NBF Rewards: Easily accumulate points through various banking activities and redeem them for a wide selection of rewards using the NBF Mobile Banking App.
• Free Movie Tickets: Buy 1 Get 1 FREE* at VOX Cinemas and Reel Cinemas! Enjoy up to a maximum of 4 free movie tickets monthly.
• Other Exclusive Promotions: Your NBF credit card entitles you to a whole host of discounts on dining, travel and entertainment options worldwide.

Financial Services:

• 0% Instalment Plan: Convert your transactions into manageable monthly payments and enjoy 0% interest rates on Easy Payment Plans.
• Balance Transfer Facility: Transfer your outstanding credit card balance from any card to NBF and enjoy special promotional interest rates and repayment period options from three to 24 months. You can transfer up to 90% of your available credit limit.
• Terms and Conditions:
  • *Maximum of 90% available Limit can be transferred
  • *A foreclosure fee of AED 50 per BT plan will apply.
• EZ draft / Cash on Call Facility: Get access to additional funds to meet unexpected expenses and get up to 70% of your available credit limit transferred into your account. Flexible repayment options start from three months.

Global Acceptability & Cash Advance:

• Shop when and where you want with an NBF platinum exclusive credit card.
• Withdraw instant cash at over 840,000 ATMs worldwide.
• Withdraw cash over the counter at any NBF branch.
• Worldwide card acceptance at over 20 million establishments.
• Cash Advance Facility: You can withdraw up to 40% of your available credit limit at any ATM across the globe that accepts Visa. Cash can also be withdrawn over the counter at other banks worldwide.

Card Features:

• Supplementary Card: Give your family members NBF supplementary credit cards and let them enjoy all the benefits of our exclusive rewards programme. You can have up to five credit cards issued to family members who are over 15 years of age.
• Foreign Transactions: When you use your NBF credit card abroad, the transaction amount is converted from the transaction currency to US dollars, based on the prevailing international exchange rate on that date. All transactions are then converted back to AED for payment.
• Direct Debit Facility: Enjoy the convenience and flexibility of making minimum or 100% payments as specified on your monthly statements via your NBF account.
• Mobile Banking/SMS Alert Services: For your security and to keep you up to date, you will receive free SMS alerts for:
  • All your NBF credit card transactions.
  • Your payment due date reminders.
  • Any payments made towards servicing your credit card.
  • Any card statements issued.
• Chip & PIN and Visa payWave: To enhance your safety, NBF's credit cards are chip & PIN and Visa payWave enabled. Enjoy enhanced security and the convenience of a 'tap to pay' feature to speed up payment on transactions up to AED 300.
• Other Features:
  • 24/7 customer support via our call centre 600-565551.
  • Interest-free credit for up to 50 days.
  • Flexible payment options with a minimum of 5% of the outstanding balance paid by you every month.
  • Low finance charges.
  • Exciting monthly promotions.

Rewards & Promotions:

• NBF Rewards: Experience a world of exclusive benefits with NBF Rewards. Easily accumulate points through various banking activities and conveniently redeem them for a wide selection of rewards using the NBF Mobile Banking App. Start unlocking the rewards you deserve today.
• Free Movie Tickets: Buy 1 Get 1 FREE* at VOX Cinemas and Reel Cinemas! Enjoy up to a maximum of 4 free movie tickets monthly.
• Other Exclusive Promotions: Your NBF credit card entitles you to a whole host of discounts on dining, travel and entertainment options worldwide.

• No Annual membership fee, late fee, cash advance fee, or over limit fee.
• 0% interest on balance transfers for 6 months.
• Enjoy a 20% discount (up to AED 14) once a month on Talabat.

Exclusive Credit Card Benefits

• Instant cash access at a special rate starting from 15% per annum in your bank account anywhere within UAE
• Get a higher credit limit, up to 6X of your monthly income or up to AED 175,000, whichever is lower
• Repay as per the monthly repayment schedule or repay all at once without any early loan settlement fee
• No annual fee in year 1. From year 2 onwards the card is free unless a min annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies
• Talabat: 20% discount (up to AED 14) once a month

Exclusive Credit Card Benefits

• AED 150 Joining bonus statement credit upon meeting minimum spend criteria of AED 7,500 in 90 days
• Automatic cashback with:
  • 3% on non-AED
  • 2% on grocery
  • 1% on all other spend
• Access to 1,200 airport lounges with the MasterCard Travel Pass app
• Talabat: 20% discount (up to AED 14) once a month
• 1 airport transfer per year via Careem app
• Carrefour App: AED 40 discount once a month
• No minimum spends, no retail purchases excluded and no caps (up to monthly credit limit)

Exclusive Credit Card Benefits

• AED 500 cashback subject to minimum spend criteria of AED 15,000 in 90 days
• Transfer points to 11 partner airlines including Etihad, Qatar and Turkish Airlines or redeem points for cash rebate
• Access to 1,200 airport lounges with the MasterCard Travel Pass app
• Talabat: 20% discount (up to AED 14) once a month
• 4 airport transfers per year via Careem app
• Carrefour App: AED 60 discount once a month
• Flat 30% off 4 movie tickets at VOX Cinemas every month
• Complimentary golf once a month at some of the finest courses in the UAE

Exclusive Credit Card Benefits

• AED 150 cashback subject to minimum spend criteria of AED 7,500 in 90 days
• No annual fee in year 1. From year 2 onwards the card is free unless a minimum annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies
• Redeem points for cash rebate or travel related spend
• Access to 1,200 airport lounges with the MasterCard Travel Pass app
• Talabat: 20% discount (up to AED 14) once a month
• 1 airport transfer per year via Careem app
• Carrefour App: AED 40 discount once a month
• Flat 30% off 2 movie tickets at VOX Cinemas every month

Exclusive Credit Card Benefits

• AED 1,250 cashback subject to minimum spend criteria of AED 25,000 in 90 days
• 50% off airline tickets (up to AED 2,000) once a year
• 3rd night free at any hotel worldwide (unlimited)
• Free Home check-in (4 per year)
• Redeem Citi Miles for flights with any airline, class or destination
• Transfer miles to 11 partner airlines, including Etihad, Turkish, Qatar, & British Airways
• 4 airport transfers per year via Careem app
• Global airport lounge – up to 14 visits per year

Exclusive Credit Card Benefits

• AED 750 cashback (subject to AED 20,000 spend in 90 days)
• 4th hotel night free worldwide (unlimited)
• Redeem points for flights with any airline with 1 click
• Transfer points to 11 partner airlines or convert for cash back
• 4 airport transfers per year via Careem app
• Global airport lounge – up to 14 visits per year
• Talabat: 20% discount (up to AED 14) once a month
• Carrefour App: AED 60 discount once a month

Features and Benefits:

• Just Tap & Go, with your new Contactless Card.
• Use your card without PIN up to AED 500/-.
• Free Credit up to 55 days.
• Priority Pass Lounge access at over 1300 lounges in various airports around the world.
• Facility to convert purchases into Easy Instalments and avail Easy Loan.
• Facility to transfer your balance from other banks.
• Cash withdrawals allowed up to available credit limit.
• 1 Free supplementary card for your family member.
• Pay Minimum amount Due every month.
• Many other valuable promotions and discounts offered from time to time.

Features and Benefits:

• Just Tap & Go, with your new Contactless Card.
• Use your card without PIN up to AED 500/-.
• 1 Free supplementary card for your family member.
• Free Credit up to 55 days.
• Facility to convert purchases into Easy Instalments and avail Easy Loan.
• Facility to transfer your balance from other banks.
• Free Worldwide Travel Insurance.
• Cash withdrawals allowed up to available credit limit.
• Pay Minimum amount Due every month.
• Priority Pass Lounge access at over 1300 lounges in Various airports around the world.
• Many other valuable promotions and discounts offered from time to time.

Travel Insurance Benefits:

• Medical and Travel Assistance Services.
• Medical Expenses.
• Evacuation and Repatriation expenses/ Transportation of Mortal Remains /Return of Dependent Children.
• Personal Accident Full Trip.
• Hospital Daily Benefit.
• Personal Liability.
• Loss of Baggage.
• Loss of Money.
• Cancellation.
• Travel Delay.
• Baggage Delay.
• Document Replacement.
• Hijack.
• Legal Expenses.

Features and Benefits:

• Just Tap & Go, with your new Contactless Card.
• Use your card without PIN up to AED 500/-.
• Free credit for up to 55 days.
• 1 Free supplementary card for your family member.
• Facility to convert purchases into Easy Instalments and avail Easy Loan.
• Facility to transfer your balance from other banks.
• Free Worldwide Travel Insurance.
• Cash withdrawals allowed up to available credit limit.
• Pay Minimum amount due every month.
• Many other valuable promotions and discounts offered from time to time.

Travel Insurance Benefits:

• Buy your travel tickets using your NBQ Gold Credit Card, and you can relax and enjoy your trip, knowing you're covered for any unexpected events. Cover includes:
• Medical and Travel Assistance Services.
• Medical Expenses.
• Evacuation and Repatriation expenses/ Transportation of Mortal Remains /Return of Dependent Children.
• Personal Accident Full Trip.
• Hospital Daily Benefit.
• Personal Liability.
• Loss of Baggage.
• Loss of Money.
• Cancellation.
• Travel Delay.
• Baggage Delay.
• Document Replacement.
• Hijack.
• Legal Expenses.

• Access to over 1,300 airport lounges.
• Emergency cash advance and card replacement.
• Global, 24/7 Emergency Assistance.
• Withdrawal at 1.9 million ATMs in over 200 countries.
• Cash withdrawal fee of 3.15%.

• Up to 12% off on hotels and vacations on agoda.com.
• Access to over 1,300 airport lounges worldwide.
• 8% off bookings on www.hotels.com.
• Global ATM Network for withdrawals.
• Cash withdrawal fee of 3.15%.

• Up to 12% off on hotels and vacations on agoda.com.
• Access to the DragonPass 'Dine and Fly' airport dining program.
• 8% off bookings on www.hotels.com.
• Global Emergency Assistance.
• Cash withdrawal fee of 3.15%.

Cashback & Loyalty:

• Enjoy up to 10% cashback on School Fees, Fashion and Fuel.
• Earn 100% cashback on Video Streaming.

The ENTERTAINER:

• Ultimate Welcome Gift: Get ready to enjoy The ENTERTAINER–The mobile app that gives you Buy One Get One Free on all the things you love! Activate your new UAB World Mastercard Credit Card today and start unlocking the savings and unforgettable experience with the ENTERTAINER.
• Why You Will Love It: More than just savings - experience the best your city has to offer with 1,000s of unbeatable Buy One Get One Free offers for dining, attractions, leisure, kids activities, theme parks, spas, salons, fitness centers, hotel stays and much more!
• Eligibility: Offer available only to the UAB World Mastercard Credit Card primary Cardholders who availed the card from 15/03/2025 onwards. Customers who have taken the card before this date are not eligible for the welcome gift. To be eligible for the welcome gift, the Primary Cardholder must complete both of the following within 30 days of receiving their UAB World Mastercard Credit Card:
  • Make at least one transaction using a mobile wallet (Apple Pay, Google Pay, or Samsung Pay) with the UAB Credit Card.
  • Make at least one transaction on any major taxi or food delivery apps (such as Talabat, Deliveroo, Instashop, Careem, Uber, UberEats, Noon, Zomato) using the UAB Credit Card.
• To claim the offer:
  • Visit the activation link page https://www.theentertainerme.com/vipkey/uab
  • Add the unique code mentioned in the SMS
  • Follow the activation instructions
• T&Cs apply.

Travel & Lifestyle:

• When privileges extend beyond geographies. As a privileged UAB World Mastercard Credit Card member, get to enjoy the following offers:
• Upgrade your travel experience with a digital and contactless experience from Mastercard Travel Pass, that gives you access to a network of 1,200+ airport lounges in over 135 countries around the world.
• Travel by Careem with a 20% off 3 rides every month by paying with your UAB World Mastercard Credit Card.
• Enjoy Complimentary upgrade and discount on best rates with your Hertz Gold Plus Rewards® Five Star Membership. You can enroll for the membership here: www.hertz.com/mcworld.
• Make every trip count with exclusive benefits of the Avis Car Rental. Use your World Mastercard for a 25% off on your next car rental across Europe, Middle East, Africa and Asia. Enjoy amazing cashbacks on your credit card no matter where you go.

Luxury Serviced Apartments & Hotels:

• Stay in the lap of luxury. As a World Mastercard Credit Card member you can enjoy 10% discount on bookings at over 2,500 Onefinestay luxury service apartments across London, Paris, Rome, Milan, New York, Los Angeles, San Francisco, Miami, and Boston.
• Earn up to 10% cashback on booking.com on www.booking.com/mastercardmea.
• Get a 10% discount on your international round trip booking at cleartrip.com with the promo code: MCWORLD.

Insurance:

• Enjoy a World of Assurance. Avail Travel Inconvenience Insurance and Travel Medical Insurance (Up to $500K) when you buy tickets with your World Mastercard Credit Card.

Exclusive Privileges (Financial Plans):

• Flexible Financial plans to match your needs.
• EASY PAYMENT PLANS at 0% Interest for 6 months followed by 1% per month for 3, 9 and 12 months.
• BALANCE TRANSFER at 0% interest for 6 months with a processing fee of 3%.
• LOAN ON PHONE at 0% interest for 6 months followed by 1.90% for 3 months, 1.29% for 9 months and 0.99% for 12 months.

Important Notes:

• T&C apply.
• *Mastercard Terms and Conditions apply. Subject offer(s) may change without prior notice. Visit www.mastercard.ae for the latest information.
• AED 1050 will be annual fee from 2nd year onwards but will be waived off subject to spend of AED 60000 in the previous year.

Cashback & Loyalty:

• Maximize your cashback with UAB Titanium Mastercard Credit Card.
• Earn generous cashback on Groceries/Supermarkets, Fuel and Video Streaming.
• Enjoy exclusive dining and lifestyle privileges, making every spend more rewarding!
• CASHBACK LOYALTY: Earn up to 5% cashback on Groceries/Supermarkets, and Fuel, plus an incredible 100% cashback on Video Streaming subscriptions.
• Terms and Conditions apply. Click here to know more.

The ENTERTAINER:

• Unlock amazing experiences with The Entertainer – Your Ultimate Welcome Gift!
• Get ready to enjoy The ENTERTAINER–The mobile app that gives you Buy One Get One Free on all the things you love! Activate your new UAB Titanium Mastercard Credit Card today and start unlocking the savings and unforgettable experience with the ENTERTAINER.
• Why You Will Love It: More than just savings - experience the best your city has to offer with 1,000s of unbeatable Buy One Get One Free offers for dining, attractions, leisure, kids activities, theme parks, spas, salons, fitness centres, hotel stays and much more!
• Eligibility: Offer available only to the UAB Titanium Mastercard Credit Card primary Cardholders who availed the card from 15/03/2025 onwards. Customers who have taken the card before this date are not eligible for the welcome gift.
• To be eligible for the welcome gift, the Primary Cardholder must complete both of the following within 30 days of receiving their UAB Titanium Mastercard Credit Card:
  • Make at least one transaction using a mobile wallet (Apple Pay, Google Pay, or Samsung Pay) with the UAB Credit Card.
  • Make at least one transaction on any major taxi or food delivery apps (such as Talabat, Deliveroo, Instashop, Careem, Uber, UberEats, Noon, Zomato) using the UAB Credit Card.
• Upon qualification, the Primary Cardholder will receive a VIP Key via SMS within 45 days. Each Primary Cardholder will receive one ENTERTAINER membership key, regardless of the number of accounts or cards held with UAB.
• To claim the offer:
  • Visit the activation link page https://www.theentertainerme.com/vipkey/uab
  • Add the unique code mentioned in the SMS.
  • Follow the activation instructions.
  • T&Cs apply. For Terms and Conditions, click here.

Travel & Lifestyle:

• AIRPORT LOUNGE ACCESS: Travel should always be experienced like a privilege. Get exclusive access to regional airport lounges for a one-of-a-kind experience.
• With the Titanium Mastercard you will receive: Upgrade your travel experience with a digital and contactless experience from Mastercard Travel Pass, that gives you access to a network of 1,200+ airport lounges in over 135 countries around the world.
• Careem: Travel by Careem with a 20% off 3 rides every month by paying with your UAB Titanium Mastercard Credit Card.
• BOOKING.COM: Get up to 10% cashback on booking.com simply by registering on www.booking.com/mastercardmea and paying with your Mastercard.

Privileges:

• EASY PAYMENT PLANS: 0% interest for 6 months.
• BALANCE TRANSFER: 0% interest for 6 months. Minimum BT of AED 2,500 with up to 80% of UAB Credit Card limit.
• LOAN ON PHONE: 0% interest for 6 months followed by 1.90% for 3 months, 1.29% for 9 months and 0.99% for 12 months.
• For Loan On Phone Terms and Conditions, click here.
• For Loan On Phone FAQs, click here.
• To know more, visit www.mastercard.ae.

Credit Card Features:

• Chip & PIN enabled card for your safety and security.
• Create a PIN of your choice at any of UAB's 65+ ATMs in UAE. To know more click here.
• Card Fraud Protection. Know more here.

Important Notes:

• To apply for a Titanium credit card, SMS "CC" to 6900.
• Terms & conditions apply.

Cashback & Loyalty:

• Get more cashback with UAB Platinum Mastercard Credit Card.
• Enjoy high cashback rewards on Groceries/Supermarkets, Fuel and Video Streaming, making every day spend more rewarding.
• Earn up to 5% cashback on Groceries/Supermarkets, and Fuel, plus an incredible 100% cashback on Video Streaming subscriptions.
• Terms and Conditions apply. Click here to know more.

Travel*:

• Go places with Platinum. As a privileged UAB Platinum Mastercard Credit Card member, you enjoy:
• Upgrade your travel experience with a digital and contactless experience from Mastercard Travel Pass, that gives you access to a network of 1,200+ airport lounges in over 135 countries around the world.
• Travel by Careem with a 20% off 3 rides every month by paying with your UAB Platinum Mastercard Credit Card.
• Earn up to 10% cashback on booking.com. Simply register on www.booking.com/mastercardmea and making the payment with your Mastercard.
• Earnup to 30% discount on your booking price at cleartrip.com with the promo code: MASTERCARD.

Lifestyle:

• Some things are Just Priceless. Download our Priceless Specials App and enjoy BOGOand a range of Platinum card offers on dining, fitness, beauty, hotel stays and attractions by simply using your UAB Platinum Mastercard.

Exclusive Privileges:

• Financial flexibility when you need it.
• EASY PAYMENT PLANS at 0% interest for 6 months followed by 1% per month for 3, 9 and 12 months.
• BALANCE TRANSFER on your credit card at 0% interest for 6 months with a 3% processing fee.
• LOAN ON PHONE at 0% interest for 6 months followed by 1.90% for 3 months, 1.29% for 9 months and 0.99% for 12 months.
• For Loan On Phone Terms and Conditions, click here.
• For Loan On Phone FAQs, click here.

Important Notes:

• To apply, SMS "CC" to 6900.
• T&Cs apply.
• *Mastercard Terms and Conditions apply. Subject offer(s) may change without prior notice. Stay updated at www.mastercard.ae.
• AED 787.50 will be annual fee from 2nd year onwards but will be waived off subject to spend of AED 60000 in the previous year.

Key Facts Statement:

• https://www.uab.ae/-/media/Project/UAB/PDF/2025/jan/KFS-Retail-Credit-Card_En_R4.pdf?la=en&hash=E4777A3549E06B4C8FD90C84E7D1FC9E

• Up to AED 1,200 welcome bonus as Shukrans.
• 10% back at Shukran brands.
• Hotel discounts, purchase protection, and extended warranty.
• Card loan and 0% interest plans.

• 10% cashback on airline tickets and hotel stays.
• Zero foreign currency fees.
• Complimentary hotel stays and lounge access.
• Travel insurance and international concierge.

• High cashback on daily spend
• Up to 6% cashback on everyday spends.
• AED 365 welcome bonus and up to AED 1,000 monthly cashback.
• Hotel discounts, purchase protection, and extended warranty.
• Card loan and 0% interest plans.

• 35% back on talabat orders and unlimited free delivery.
• Up to AED 750 welcome bonus.
• Personalized card design.
• Lounge access, hotel discounts, card loan, and 0% installments.

• Complimentary gym access and travel insurance.
• Buy 1 Get 1 Free at VOX Cinemas and 2 for 1 at Caribou coffee.
• Lounge access, talabat discounts, and international concierge.

• Earn up to 8 LuLu Points per AED spent.
• Complimentary airport lounge access.
• Buy 1 Get 1 Free movie tickets.
• Dining and car ride discounts.
• 0% interest plans and card loan.

• Earn up to 3.5 LuLu Points per AED spent.
• Complimentary airport lounge access.
• Dining and car ride discounts.
• 0% interest plans and card loan.

• AED 1,200 welcome voucher and 15,000 monthly bonus TouchPoints.
• Buy 1 Get 1 Free movie tickets at VOX Cinemas.
• Lounge access, complimentary golf, and international concierge.
• Hotel discounts and travel insurance.

• 10,000 TouchPoints monthly bonus.
• Buy 1 Get 1 Free movie tickets at VOX Cinemas.
• 20% off on talabat orders.
• Complimentary golf, 0% interest plans, and card loan.

• 5,000 TouchPoints monthly bonus.
• Buy 1 Get 1 Free movie tickets at VOX Cinemas.
• Lounge access, dining discounts, and hotel discounts.
• Card loan and 0% interest plans.

• 1% cashback on all purchases.
• Up to AED 1,000 cashback per month.
• Lounge access, dining, and shopping discounts.
• Purchase protection, card loan, and 0% interest plans.

• 60,000 Etihad Guest Miles welcome bonus and 5,000 monthly bonus Miles.
• Fast-track to Etihad Guest Gold Tier.
• Lounge access, complimentary golf, and travel insurance.
• Hotel discounts and Tier Miles on spends.

• 35,000 Etihad Guest Miles welcome bonus and 2,000 monthly bonus Miles.
• Fast-track to Etihad Guest Silver Tier.
• Lounge access, complimentary golf, and travel insurance.
• Hotel discounts and Tier Miles on spends.

• 12,000 Etihad Guest Miles welcome bonus and 1,000 monthly bonus Miles.
• Earn up to 1.25 Etihad Guest Miles on spends.
• Hotel discounts, purchase protection, and extended warranty.
• Card loan and 0% interest plans.

Overview & Introductory Offer:

• One card with the power of many! 5% back on dining, 5% back on travel, complimentary airport transfers, airport lounge access, valet parking, rounds of golf, access to Fitness First, buy-one-get-one on coffee at Costa and much more.
• Get your Card free for life: No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 60,000.
• Introductory offer: Get up to 200,000 Bonus Wala'a rewards [Worth up to AED 1,000] for New to Card customers Only.
• Get 20% cashback on Amazon, Deliveroo, Dubai Now, Noon, Talabat and more.

Rewards & Redemption:

• Rewards with every bite! Enjoy 5% back on dining with your SHAMS Card.
  • Earn 10 Wala'a rewards for every AED 1 spent on dining.
  • Maximum 20,000 Wala'a rewards per month.
  • Value credited as Wala'a rewards.
• Travel is more rewarding now! Enjoy 5% back on travel (flights/hotels) bookings with your SHAMS Card.
  • Earn 10 Wala'a rewards for every AED 1 spent on travel.
  • Maximum 20,000 Wala'a rewards per month.
  • Value credited as Wala'a rewards.
• A bounty of ways to redeem your Wala'a Rewards: Choose your reward, live your experience with travel, cashback, Etihad Miles, Avios by Qatar Airways Privilege Club and more.
• Redeem your Wala'a Rewards instantly through the alt Online Banking:
  • Book Any Airline Anywhere Any Time.
  • Book Any Hotel Anywhere Across the World.
  • Cashback.
  • Shopping.
  • Rewards exchange.
  • Pay with Rewards.
  • Bill Payments.

Complimentary Benefits:

• Complimentary Rounds of Golf***: Master your game and enhance your golfing experience at 6 golf courses across the U.A.E., 4 times per month.
• Complimentary access to Fitness First ***: Elevate your wellness journey with complimentary access to Fitness First Platinum and Titanium Club across the U.A.E.
• Complimentary Valet Parking ***: Take away the hassle of parking with 4 complimentary valet parking services per month at 20 key locations across the UAE.
• Savor twice the delight at Costa Coffee ***: Enjoy 'Buy One Get One' on beverages at Costa Coffee outlets across UAE.
• Complimentary Airport Transfers ***: Enjoy stress-free travel with 4 complimentary airport transfers per annum from Abu Dhabi, Dubai and Sharjah.
• Complimentary Airport Lounge Access: Enjoy complimentary access to over 1,200 airport lounges 12 times per year with a guest.
  • First visit to the airport lounge in a calendar year is complimentary.
  • To utilize subsequent complimentary visits, spend a foreign currency equivalent of USD 1 on a merchant located outside UAE, at least 15 days prior to the visit.
• Enjoy 15% off on Zofeur Services: Avail the offer on Personal Chauffeur, Vehicle inspection, and Garage pick up & drop off using promocode "DIB15", 4 times per month.
• Complimentary Roadside Assistance: Never be stranded on the road without support with our complimentary roadside assistance up to 3 times per year.
• Complimentary Travel Coverage: Enjoy travel and medical coverage of up to US$500,000 on your trips while booking your tickets with your card.

Financial Services:

• Balance transfer facility: Clear your outstanding on any other banks' credit cards and save more on unnecessary charges.
  • 90% of the Card Limit or 100% of the available cash limit can be used.
  • You are entitled to multiple balance transfer transactions.
  • No documentation required.
  • Instant transfer directly to the other bank's credit card.
  • Minimum transfer amount - AED 1,000.
  • Flexible Payment plan for 12 months.

Overview & Introductory Offer:

• Get your Card free for life: No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 30,000.
• Introductory offer: Get up to 100,000 Bonus Wala'a rewards [Worth up to AED 500] for New to Card customers Only.

Rewards & Redemption:

• Rewards with every bite! Enjoy 5% back on dining with your SHAMS Card.
  • Earn 10 Wala'a rewards for every AED 1 spent on dining.
  • Maximum 10,000 Wala'a rewards per month.
  • Value credited as Wala'a rewards.
• Travel is more rewarding now! Enjoy 5% back on travel (flights/hotels) bookings with your SHAMS Card.
  • Earn 10 Wala'a rewards for every AED 1 spent on travel.
  • Maximum 15,000 Wala'a rewards per month.
  • Value credited as Wala'a rewards.
• A bounty of ways to redeem your Wala'a Rewards: Choose your reward, live your experience with travel, cashback, Etihad Miles, Avios by Qatar Airways Privilege Club and more.
• Redeem your Wala'a Rewards instantly through the alt Online Banking:
  • Book Any Airline Anywhere Any Time.
  • Book Any Hotel Anywhere Across the World.
  • Cashback.
  • Shopping.
  • Rewards Exchange.
  • Pay with Rewards.
  • Bill Payments.

Complimentary Benefits:

• Complimentary Valet Parking ***: Take away the hassle of parking with 2 complimentary valet parking services per month at 20 key locations across the UAE.
• Complimentary Airport Transfers ***: Enjoy stress-free travel with 2 complimentary airport transfers per annum from Abu Dhabi, Dubai and Sharjah.
• Complimentary Airport Lounge Access: Enjoy complimentary access to over 1,200 airport lounges 8 times per year.
  • 1st visit to the airport lounge in a calendar year is complimentary.
  • To utilize subsequent complimentary visits, spend a foreign currency equivalent of USD 1 on a merchant located outside UAE, at least 15 days prior to the visit.
• Enjoy 15% off on Zofeur Services:
  • Offer can be availed on Personal Chauffeur, Vehicle inspection, and Garage pick up & drop off through Zofeur app.
  • Use "DIB15" promocode to avail the offer.
  • Maximum discount is capped at AED 15 per transaction.
  • Prior booking can be done maximum 30 days in advance.
  • Offer can be used 4 times per month per Covered Card.
  • Offer is applicable on inter-emirate transfers.
  • Offer is not valid in conjunction with any other promotion or special offer.
  • Offer is valid till 31/12/2025.
• Complimentary Roadside Assistance: Never be stranded on the road without support with our complimentary roadside assistance up to 2 times per year.
• Complimentary Travel Coverage: Enjoy travel and medical coverage of up to US$500,000 on your trips while booking your tickets with your card.

Financial Services:

• Balance transfer facility: Clear your outstanding on any other banks' credit cards and save more on unnecessary charges.
  • 90% of the Card Limit or 100% of the available cash limit can be used.
  • You are entitled to multiple balance transfer transactions.
  • No documentation required.
  • Instant transfer directly to the other bank's credit card (takes from 1 to 3 business days).
  • Minimum transfer amount - AED 1,000.
  • Flexible Payment plan for 12 months.

Important to note:

• ***The offers are complimentary subject to maintaining minimum monthly spends of AED 5,000 per month. If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account subsequently.

Overview & Introductory Offer:

• Get your Card free for life: No annual fee for the first year and fee waived for subsequent years on a minimum annual spend of AED 15,000.
• Introductory offer: Get up to 50,000 Bonus Wala'a rewards [Worth up to AED 250] for New to Card customers Only.

Rewards & Redemption:

• Rewards with every bite! Enjoy 5% back on dining with your SHAMS Card.
  • Earn 10 Wala'a rewards for every AED 1 spent on dining.
  • Maximum 5,000 Wala'a rewards per month.
  • Value credited as Wala'a rewards.
• Travel is more rewarding now! Enjoy 5% back on travel (flights/hotels) bookings with your SHAMS Card.
  • Earn 10 Wala'a rewards for every AED 1 spent on travel.
  • Maximum 10,000 Wala'a rewards per month.
  • Value credited as Wala'a rewards.
• A bounty of ways to redeem your Wala'a Rewards: Choose your reward, live your experience with travel, cashback, Etihad Miles, Avios by Qatar Airways Privilege Club and more.
• Redeem your Wala'a Rewards instantly through the alt Online Banking:
  • Book Any Airline Anywhere Any Time.
  • Book Any Hotel Anywhere Across the World.
  • Cashback.
  • Shopping.
  • Rewards Exchange.
  • Pay with Rewards.
  • Bill Payments.

Complimentary Benefits:

• Complimentary Travel Coverage: Enjoy travel and medical coverage of up to US$100,000 on your trips when you book your flight tickets using your eligible DIB Card. The coverage is applicable to you, your spouse and children (up to 4, under the age of 18).
  • Personal Accident Benefits.
  • Emergency Medical Expenses.
  • Cancelled/ Delayed Departure.
  • Loss of Personal Belongings.
  • Baggage Delay/ Loss.
• Enjoy 15% off on Zofeur Services:
  • Offer can be availed on Personal Chauffeur, Vehicle inspection, and Garage pick up & drop off through Zofeur app.
  • Use "DIB15" promocode to avail the offer.
  • Maximum discount is capped at AED 15 per transaction.
  • Prior booking can be done maximum 30 days in advance.
  • Offer can be used 4 times per month per Covered Card.
  • Offer is applicable on inter-emirate transfers.
  • Offer is not valid in conjunction with any other promotion or special offer.
  • Offer is valid till 31/12/2025.
• Complimentary Roadside Assistance: Never be stranded on the road without support with our complimentary roadside assistance up to 1 time per year.

Financial Services:

• Balance transfer facility: Clear your outstanding on any other banks' credit cards and save more on unnecessary charges.
  • 90% of the Card Limit or 100% of the available cash limit can be used.
  • You are entitled to multiple balance transfer transactions.
  • No documentation required.
  • Instant transfer directly to the other bank's credit card (takes from 1 to 3 business days).
  • Minimum transfer amount - AED 1,000.
  • Flexible Payment plan for 12 months.

Important to note:

• The Card is issued for the Cardholder's personal use only and the Cardholder is not authorised to use the Card for business or corporate purposes and/or activities. The Bank may, in its discretion, restrict, cancel the Card and/or not award Wala'a Rewards. The Bank may debit any Wala'a Rewards, if the Bank determines in its sole discretion that the Card has been used for non-personal use, fraudulent or illegal Card Transactions.

Overview:

• With the Emirates Skywards DIB Infinite Covered Card you will earn Skywards Miles on all local and foreign currency spends. You can then spend the Miles with Emirates and a wide selection of partners, and enjoy enhanced travel experience with benefits and services that make every trip more rewarding.

Bonus Skywards Miles:

• Limited time offer: Earn up to 120,000 bonus Skywards Miles* with the Emirates Skywards DIB Infinite Covered Card.

Travel in Style:

• Airport lounge access: The card entitles you and a guest to enjoy unlimited complimentary access to over 1200 airport lounges worldwide.
  • First Visit to the airport lounge in a calendar year is complimentary.
  • To utilize the subsequent complimentary visits in the same calendar year, spend criteria of foreign currency spend of USD 1 equivalent must be met on a merchant that is located outside UAE, on both primary & supplementary cards minimum 15 days prior to the lounge visit. If the spend criteria is not met, a charge of US $32 per usage will be levied to the card used for the lounge visit.
• New Update! Say goodbye to showing your Card. Say Hello to Visa Airport Companion!
  • Starting October 1, 2024, you just need to use the Visa Airport Companion App for complimentary access to airport lounges. The app will replace the process of showing your Card for lounge access.

Overview & Bonus Miles:

• With the Emirates Skywards DIB Signature Covered Card you will earn Skywards Miles on all local and foreign currency spends.
• You can then spend the Miles with Emirates and a wide selection of partners, and enjoy enhanced travel experience with benefits and services that make every trip more rewarding.
• Limited time offer: Earn up to 50,000 bonus Skywards Miles with the Emirates Skywards DIB Signature Covered Card.

Travel in Style:

• Airport lounge access: Enjoy complimentary access to over 1,200 airport lounges 8 times per year.
  • 1st Visit to the airport lounge in a calendar year is complimentary.
  • To utilize subsequent complimentary visits, spend a foreign currency equivalent of USD 1 on a merchant located outside UAE, at least 15 days prior to the lounge visit. If the spend criteria is not met, a charge of US $32 per usage will be levied to the card.
• New Update! Say goodbye to showing your Card. Say Hello to Visa Airport Companion!
  • Starting October 1, 2024, you just need to use the Visa Airport Companion App for complimentary access to airport lounges. The app will replace the process of showing your Card for lounge access. Click here for more details.
• Earn additional Skyward Miles with ExtraMiles App: Now, for a limited period only, earn 2 additional Skywards Miles for every USD 1 spent with ExtraMiles App when you make purchases for hotel bookings & car rentals through the app. Click here to learn more.
• Download the ExtraMiles app now: https://app.earnextramiles.com

Lifestyle Benefits:

• Experience Luxury Hotel Collection from Visa: Enjoy exclusive member privileges at over 900 luxury hotel properties around the world with preferential prices, room upgrades, free internet and breakfast, VIP guest status, late check-outs and complimentary food and beverage vouchers worth US$ 25.

Complimentary Roadside Assistance:

• Never be stranded on the road without support with our complimentary roadside assistance up to 3 times per year.
• Services that can be availed are as follows:
  • Complimentary vehicle registration: Vehicle pick up and drop off (once a year). Towing process only, excluding passing result and associated costs.
  • Vehicle servicing- pick up and drop off (once a year): Round trip from your home to the nearest dealer workshop for routine car servicing.
  • Towing: Tow accident/damaged vehicles from the scene to the nearest workshop. Request available only if the vehicle is immobile.
  • Fuel assistance: For vehicles out of fuel, 10 litres of petrol 92 is provided. Petrol cost to be paid separately by the customer.
  • Battery Boost: If the battery voltage is low, battery boosting services will be provided.
  • Flat tyre fixing: Flat tyres will be replaced with used ones, ensuring the spare tyre is in good condition.
  • Lock-out service: Open door lock in case of forgetting car key inside locked car.
  • Off-road pull out: Rescue of vehicles stuck in sand, extracting them from desert environments.
  • Free international driving license: Complimentary International Driving license for cardholders after collecting the needed documentation.

Balance Transfer Facility:

• Use the Emirates Skywards DIB Signature Covered Card to clear your outstanding on any other banks' Covered cards and save more on unnecessary charges with no documentation required. You can apply for the facility through Online Banking (https://online.dib.ae).

Medical and Legal Referral:

• Travel the world carefree and safe, knowing that you have the medical help you need wherever you go. Your card covers you with these services:
  • Medical advice over the telephone.
  • Medical service provider referral.
  • Monitoring medical condition pre and post hospitalization.
  • Essential medicine and equipment delivery.
  • Dispatch of physician to your location.
  • Medical evacuation and repatriation.
  • Legal referral.
  • Interpreter referral.

Important to note:

• **The offers are complimentary subject to maintaining minimum monthly spends of AED 5,000 per month. If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account subsequently.
• The Card is issued for the Cardholder's personal use only and the Cardholder is not authorized to use the Card for business or corporate purposes and/or activities. The Bank may, in its discretion, restrict, cancel the Card and/or not award Skywards Miles. The Bank may debit any Skywards Miles, if the Bank determines in its sole discretion that the Card has been used for non-personal use, fraudulent or illegal Card Transactions.

Overview:

• With the Emirates Skywards DIB Platinum Covered Card you will earn Skywards Miles on all local and foreign currency spends. You can then spend the Miles with Emirates and a wide selection of partners, and enjoy enhanced travel experience with benefits and services that make every trip more rewarding.

Bonus Skywards Miles:

• Earn up to 5,000 bonus Skywards Miles with the Emirates Skywards DIB Platinum Covered Card.
• 5,000 bonus Miles on card activation.

Travel in Style:

• Easy Payment Plan with Emirates: Enjoy 0% Easy Payment Plan when you purchase Emirates tickets to any destination on emirates.com.
• To take advantage of this payment option, simply purchase Emirates tickets on emirates.com, pay with the Emirates Skywards DIB Platinum Covered Card, and apply for the payment via the link provided on the Emirates booking confirmation page.

We've Got You Covered:

• Travel and Medical Coverage: Enjoy travel and medical coverage of up to US$100,000 on your trips when you book your flight tickets using your eligible DIB Card. The coverage is applicable to you, your spouse and children (up to 4, under the age of 18).
  • Personal Accident Benefits
  • Emergency Medical Expenses
  • Cancelled/ Delayed Departure
  • Loss of Personal Belongings
  • Baggage Delay/ Loss

Lifestyle Benefits:

• Experience Luxury Hotel Collection from Visa: Enjoy exclusive member privileges at over 900 luxury hotel properties around the world with preferential prices, room upgrades, free internet and breakfast, VIP guest status, late check-outs and complimentary food and beverage vouchers worth US$25.
• Earn additional Skyward Miles with ExtraMiles App: Now, for a limited period only, earn 2 additional Skywards Miles for every USD 1 spent with ExtraMiles App when you make purchases for hotel bookings & car rentals through the app.

Complimentary Roadside Assistance:

• Never be stranded on the road without support with our complimentary roadside assistance up to 2 times per year.
• The services that can be availed are as follows:
  • Complimentary vehicle registration: Vehicle pick up and drop off (once a year). Towing process only, excluding passing result and associated costs.
  • Vehicle servicing- pick up and drop off (once a year): Customers enjoy a round trip from their home to the nearest dealer workshop for routine car servicing.
  • Towing: Tow accident/damaged vehicles from the scene to the nearest workshop. Request available only if the vehicle is immobile.
  • Fuel assistance: For vehicles out of fuel, 10 litres of petrol 92 is provided. Petrol cost to be paid separately by the customer.
  • Battery Boost: If the battery voltage is low, battery boosting services will be provided.
  • Flat tyre fixing: Flat tyres will be replaced with used ones, ensuring the spare tyre is in good condition.
  • Lock-out service: Open door lock in case of forgetting car key inside locked car. The service is provided only if the customer proves ownership of the car.
  • Off-road pull out: Rescue of vehicles stuck in sand, extracting them from desert environments.
  • Free international driving license: Complimentary International Driving license for cardholders after collecting the needed documentation.

Balance Transfer Facility:

• Use the Emirates Skywards DIB Platinum Covered Card to clear your outstanding on any other banks' Covered cards and save more on unnecessary charges with no documentation required. You can apply for the facility through Online Banking (https://online.dib.ae).

Medical and Legal Referral:

• Travel the world carefree and safe, knowing that you have the medical help you need wherever you go. Your card covers you with these services:
  • Medical advice over the telephone.
  • Medical service provider referral.
  • Monitoring medical condition pre and post hospitalization.
  • Essential medicine and equipment delivery.
  • Dispatch of physician to your location.
  • Medical evacuation and repatriation.
  • Legal referral.
  • Interpreter referral.

Important Note:

• The Card is issued for the Cardholder's personal use only and the Cardholder is not authorised to use the Card for business or corporate purposes and/or activities. The Bank may, in its discretion, restrict, cancel the Card and/or not award Skywards Miles. The Bank may debit any Skywards Miles, if the Bank determines in its sole discretion that the Card has been used for non-personal use, fraudulent or illegal Card Transactions.

Overview & Cashback:

• Earn cashback on everyday spending across supermarkets, fuel, bills, and more.
• Guaranteed cashback of up to 4% on qualifying categories.
• No minimum cashback cap; start saving from day one.

Cashback Rates:

• 4% cashback on Supermarket & Hypermarket Purchases (up to AED 400 monthly)
• 4% cashback on Automobile Servicing (up to AED 400 monthly)
• 4% cashback on Etisalat & Du Bill Payments (up to AED 150 monthly)
• 4% cashback on Fuel Spends (up to AED 150 monthly)
• 4% cashback on Utility Bills (up to AED 150 monthly)
• 4% cashback on Salik and Nol recharges (up to AED 50 monthly)
• 4% cashback on School Fees (up to AED 400 monthly)
• Maximum total monthly cashback cap is AED 1,000 per Billing Cycle.
• Minimum monthly retail spend of AED 4,000 required to be eligible for cashback.

Travel and Medical Coverage:

• Enjoy travel and medical coverage of up to US$100,000 on your trips when you book flight tickets using this DIB Card.
• Personal Accident Benefits
• Emergency Medical Expenses
• Cancelled/ Delayed Departure
• Loss of Personal Belongings
• Baggage Delay/ Loss

Complimentary Roadside Assistance:

• Complimentary roadside assistance up to 2 times per year.
• Available services:
  • Vehicle registration pick-up/drop-off once per year.
  • Vehicle servicing pick-up/drop-off once per year.
  • Towing of immobilized vehicles.
  • Fuel assistance: 10 litres petrol 92 provided.
  • Battery Boost
  • Flat tyre fixing
  • Lock-out service
  • Off-road pull out
  • Free international driving license after documentation collection.

Balance Transfer Facility:

• Use this card to clear outstanding balances on other banks' cards. No documentation required.

Important Note:

• The Card is issued for personal use only. The Bank may restrict, cancel the Card and/or not award cashback if the Card is used for non-personal, fraudulent or illegal transactions.

Overview & Cashback:

• For supermarkets & hypermarkets purchases, bills, fuel and more, it's everyday convenience combined with everyday savings.
• Brought to you in collaboration with the Department of Economic Development, save more every time you spend with guaranteed cashback of up to 3%.
• Earn Guaranteed Cashback: Whether you're shopping for groceries, paying bills at home, or refueling your car, you earn cashback wherever you are.
• Start Saving Instantly: No minimum saving cap, simply use your Card at qualified merchants and start saving from day one to maximise your monthly cashback.
• Effective from 1st December 2019, cashback will not be earned on Utility & Government bills transactions made through DIB platforms.

We've Got You Covered:

• Travel and Medical Coverage: Enjoy travel and medical coverage of up to US$100,000 on your trips when booking flight tickets with your DIB Card. Coverage applies to you, your spouse, and up to 4 children under 18 years.
  • Personal Accident Benefits
  • Emergency Medical Expenses
  • Cancelled/ Delayed Departure
  • Loss of Personal Belongings
  • Baggage Delay/ Loss

Complimentary Roadside Assistance:

• Complimentary roadside assistance up to 2 times per year.
• Services include:
  1. Vehicle registration pick up & drop off (once a year)
  2. Vehicle servicing pick up & drop off (once a year)
  3. Towing for immobile vehicles
  4. Fuel assistance (10 litres of petrol 92)
  5. Battery Boost for low voltage
  6. Flat tyre fixing using spare tyre
  7. Lock-out service if key is locked inside
  8. Off-road pull out for stuck vehicles
  9. Free International Driving License for cardholders

Overview:

• Travel, Lounge Access, EPP, Roadside Assistance

• DIB Prime Infinite Card: Premium card with exclusive privileges for frequent travelers and lifestyle benefits.

Lifestyle Benefits:

• Enjoy privileges ranging from free valet parking and roadside assistance to entertainment, fine dining, and retail offers.
• Travel In Style: Lounge access, personalized concierge services, multi-trip travel insurance, dedicated VISA Infinite website, and exclusive privileges at luxury hotels worldwide.
• We've Got You Covered: Extended Warranty benefits, Purchase Protection features, and other services designed for peace of mind when shopping on your Prime Infinite Card.

Complimentary Roadside Assistance:

• Complimentary roadside assistance up to 5 times per year.
• The services that can be availed are as follows:
  1. Vehicle registration pick-up and drop-off (once a year).
  2. Vehicle servicing pick-up and drop-off (once a year).
  3. Towing for accident/damaged vehicles.
  4. Fuel assistance: 10 litres of petrol 92.
  5. Battery boost for low voltage batteries.
  6. Flat tyre fixing with good spare tyre.
  7. Lock-out service if keys are locked inside the vehicle.
  8. Off-road pull out from sand or desert environments.
  9. Complimentary International Driving License upon document collection.

Financial Services & Protection:

• Credit Shield Takaful: Covers death, total disability, or loss of employment. Maximum coverage:
  1. Involuntary loss of employment - AED 30,000
  2. Permanent Total Disability - AED 200,000
  3. Death - AED 200,000
• Balance transfer facility: Online, Mobile Banking, or Banking Express Terminals. Features:
  • Up to 80% of Card Limit or 100% of available cash limit.
  • Multiple balance transfers allowed.
  • No documentation required.
  • Instant transfer (1–3 business days) to other bank's credit card.
  • Minimum AED 100, maximum AED 250,000.
• Cash withdrawals: Up to 80% of card limit, including cash transfers between your card and DIB account.

Important to note:

• The offers are complimentary subject to maintaining minimum monthly spends of AED 8,000 per month. If the spend criteria is not met, an applicable fee will be billed to the card account.
• The Card is issued for personal use only. The Bank may restrict, cancel, or not award Wala'a Rewards if used for non-personal, fraudulent, or illegal transactions.

Whether you're travelling for business or pleasure, the Prime Signature Card comes packed with all the benefits you need to make every journey a memorable one.

Wala'a Rewards

• Get immediate access to the DIB loyalty program - Wala'a Rewards and start saving from day one! Earn 2.5 Wala'a Rewards for every AED 1 & 3.0 Wala'a Rewards for every AED equivalent foreign currency on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.
• With effect from 1st Dec 2019, retail spends originating in "European Union (EU) countries", will not earn wala'a rewards. Applicable to covered and debit card spends.
• With effect from 1st Jan 2024, retail covered card spends made under the categories Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) will earn 0.2 wala'a rewards for every 1 AED spent.
• Wala'a Rewards will not be earned on Utility & Government bills transactions made through DIB platforms.

Lifestyle Benefits

• Enjoy a host of privileges ranging from free valet parking and road-side assistance to entertainment, fine dining and retail privileges along with exclusive access and tickets to events around the world.

Travel In Style

• Enjoy every journey with lounge access, personalised concierge services, multi-trip travel insurance, a dedicated VISA Signature website and exclusive privileges at luxury hotels around the world.

We've Got You Covered

• Celebrate stress-free shopping with a series of services designed for your peace of mind - Extended Warranty benefits, Purchase Protection features and more when you shop on your Prime Signature Card.

Roadside assistance

• Never be stranded on the road without support with our complimentary roadside assistance up to 3 times per year.
• The services that can be availed are as follows:
  1. Complimentary vehicle registration: Vehicle pick up and drop off (once a year) : Customers receive one round trip from their home to the nearest passing center for car registration purposes. Towing process only, excluding passing result and associated costs.
  2. Vehicle servicing- pick up and drop off (once a year): Customers enjoy a round trip from their home to the nearest dealer workshop for routine car servicing.
  3. Towing: Tow accident/damaged vehicles from the scene to the nearest workshop. Request available only if the vehicle is immobile.
  4. Fuel assistance: For vehicles out of fuel, 10 litres of petrol 92 is provided. Petrol cost to be paid separately by the customer.
  5. Battery Boost: If the battery voltage is low, battery boosting services will be provided.
  6. Flat tyre fixing: Flat tyres will be replaced with used ones, ensuring the spare tyre is in good condition.
  7. Lock-out service: Open door lock in case of forgetting car key inside locked car. The service is provided only if the customer proves ownership of the car.
  8. Off-road pull out: Rescue of vehicles stuck in sand, extracting them from desert environments.
  9. Free international driving license: Complimentary International Driving license for cardholders after collecting the needed documentation.

Credit Shield Takaful

• For a fee of 0.94% of the card outstanding, the Credit Shield Takaful feature covers the unfortunate events of death, total disability or loss of employment, taking care of your card outstanding at such a time. Maximum coverage is as follows:
  1. Involuntary loss of employment - AED 30,000
  2. Permanent Total Disability - AED 200,000
  3. Death - AED 200,000.
• Card Protection Plus
• An optional facility that allows you to set security preferences on your card, determining the type of transactions your card can be used for along with financial limits and location restrictions.

Balance transfer facility

• Avail through Online or Mobile Banking as well as through Banking Express Terminals. Key features:
  • 80% of the Card Limit or 100% of the available cash limit can be used.
  • You are entitled to multiple balance transfer transactions.
  • No documentation required.
  • Instant transfer directly to the other bank's credit card (takes from 1 to 3 business days).
  • Minimum transfer amount - AED 100, maximum amount - AED 250,000.

Important to note:

• The offers are complimentary subject to maintaining minimum monthly spends of AED 5,000 per month. If the spend criteria is not met, an applicable fee on the service provided will be billed to the card account subsequently.
• The Card is issued for the Cardholder's personal use only and the Cardholder is not authorised to use the Card for business or corporate purposes and/or activities. The Bank may, in its discretion, restrict, cancel the Card and/or not award Wala'a Rewards. The Bank may debit any Wala'a Rewards, if the Bank determines in its sole discretion that the Card has been used for non-personal use, fraudulent or illegal Card Transactions.

From extensive travel and insurance benefits to a safer and more rewarding shopping experience, the Prime Platinum card focuses on providing you with the services you need.

Visa Luxury Hotels

• Exclusive benefits like best rates, upgrades, late check-out and more at luxury hotels worldwide.

Wala’a Rewards

• Earn 2.0 Wala’a Rewards per AED 1 & 2.2 Wala’a Rewards per AED equivalent foreign currency. Redeem for flights, hotels, retail, bills, and more.
• Retail spends in EU countries (from 1 Dec 2019) do not earn Wala’a Rewards.
• From 1 Jan 2024, spends in Supermarkets, Telecom, Education, Petroleum, Government Services earn 0.2 Wala’a Rewards per AED 1 spent.
• Wala’a Rewards not earned on Utility & Government bills via DIB platforms.

Purchase Protection

• The card includes theft and damage protection (up to USD 3,000 per occurrence) locally and globally.

Travel & Medical Coverage

• Coverage up to US$100,000 on trips booked using the card (applies to cardholder, spouse, and children up to 4 under 18).
• Personal Accident Benefits
• Emergency Medical Expenses
• Cancelled/Delayed Departure
• Loss of Personal Belongings
• Baggage Delay/Loss

Roadside Assistance

• Complimentary roadside assistance up to 2 times per year.
• Services include:
  1. Vehicle registration pick-up/drop-off (once a year).
  2. Vehicle servicing pick-up/drop-off (once a year).
  3. Towing for accident/damaged vehicles.
  4. Fuel assistance: 10 litres petrol 92.
  5. Battery Boost
  6. Flat tyre fixing
  7. Lock-out service
  8. Off-road pull out
  9. Complimentary International Driving License

Credit Shield Takaful

• Fee 0.94% covers death, total disability, or loss of employment. Maximum coverage:
  1. Loss of employment - AED 30,000
  2. Total Disability - AED 200,000
  3. Death - AED 200,000

Card Protection Plus

• Optional security preferences for card transactions, limits, and location restrictions.

Balance Transfer Facility

• Via Online/Mobile Banking or Banking Express Terminals:
  1. 80% of Card Limit or 100% of available cash limit.
  2. Multiple balance transfer transactions allowed.
  3. No documentation required.
  4. Instant transfer to other bank cards (1–3 business days).
  5. Minimum AED 100, maximum AED 250,000.

Cash Withdrawals

• High withdrawal limits up to 80% of total card limit with cash transfer facility to DIB account.

Important to Note

• Card issued for personal use only. Bank may restrict, cancel, or not award Wala’a Rewards for non-personal, fraudulent, or illegal usage.

Enjoy a more rewarding banking experience with your Prime Gold Card, packed with benefits and features designed to go hand-in-hand with your lifestyle.

Wala’a Rewards

Get immediate access to the DIB loyalty program – Wala’a Rewards and start saving from day one! Earn 0.6 Wala’a Rewards for every AED 1 & 1 Wala'a Rewards for every AED equivalent foreign currency on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and more.

• Retail spends originating in EU countries (from 1 Dec 2019) will not earn Wala’a Rewards.
• From 1 Jan 2024, retail covered card spends in Supermarkets, Telecom, Education, Petroleum, Government Services earn 0.2 Wala’a Rewards per AED 1.
• Wala’a Rewards not earned on Utility & Government bills via DIB platforms.

Travel & Medical Coverage

• Coverage up to US$75,000 on trips booked using the card (applies to cardholder, spouse, and children up to 4 under 18).
• Personal Accident Benefits
• Emergency Medical Expenses
• Cancelled/Delayed Departure
• Loss of Personal Belongings
• Baggage Delay/Loss

Cash Flexibility

Easy cash access with high cash withdrawal limits up to 80% of the card limit along with cash transfer to your DIB account.

Roadside Assistance

• Complimentary roadside assistance up to 2 times per year.
• Services include:
  1. Vehicle registration pick-up/drop-off (once a year)
  2. Vehicle servicing pick-up/drop-off (once a year)
  3. Towing for accident/damaged vehicles
  4. Fuel assistance: 10 litres petrol 92
  5. Battery Boost
  6. Flat tyre fixing
  7. Lock-out service
  8. Off-road pull out
  9. Discounted International Driving License (75%)

Credit Shield Takaful

• Fee 0.94% covers death, total disability, or loss of employment. Maximum coverage:
  1. Loss of employment - AED 30,000
  2. Total Disability - AED 200,000
  3. Death - AED 200,000

Card Protection Plus

Optional facility to set security preferences on your card, including transaction types, limits, and location restrictions.

Balance Transfer Facility

• Via Online/Mobile Banking or Banking Express Terminals:
  1. 80% of Card Limit or 100% of available cash limit.
  2. Multiple transactions allowed
  3. No documentation required
  4. Instant transfer to other bank cards (1–3 business days)
  5. Min AED 100, Max AED 250,000

Important to Note

Card issued for personal use only. Bank may restrict, cancel, or not award Wala’a Rewards for non-personal, fraudulent, or illegal usage.

Wala’a Rewards

Get immediate access to the DIB loyalty program – Wala’a Rewards and start saving from day one! Earn 0.5 Wala’a Rewards for every AED 1 & 0.8 Wala'a Rewards for every AED equivalent foreign currency on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and more.

• Retail spends originating in “European Union (EU) countries” will not earn Wala’a Rewards (Applicable to covered and debit card spends).
• From 1st Jan 2024, retail covered card spends in Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) earn 0.2 Wala’a Rewards per 1 AED spent.
• Wala’a Rewards will not be earned on Utility & Government bills through DIB platforms.

Cash Flexibility

Enjoy easy cash access with high cash withdrawal limits of up to 80% (of total card limit) along with a cash transfer facility from your card to your DIB account.

Balance Transfer Facility

Consolidate your other card balances onto your Prime Classic Card for easier management (up to 80% of card limit or 100% of available cash limit).

• Multiple balance transfer transactions allowed.
• No documentation required.
• Instant transfer to the other bank's credit card (1-3 business days).
• Minimum transfer amount: AED 100, Maximum: AED 250,000.

Travel & Medical Coverage

Enjoy travel and medical coverage of up to US$ 50,000 on trips booked with your eligible DIB Card. Coverage applies to you, your spouse, and up to 4 children under 18.

• Personal Accident Benefits
• Emergency Medical Expenses
• Cancelled/Delayed Departure
• Loss of Personal Belongings
• Baggage Delay/Loss

Roadside Assistance

Complimentary roadside assistance up to 2 times per year. Services include:

1. Complimentary vehicle registration: Pick up & drop off (once a year) – one round trip to nearest passing center for car registration; towing only.
2. Vehicle servicing: Pick up & drop off (once a year) for routine car servicing.
3. Towing: Tow accident/damaged vehicles to nearest workshop if immobile.
4. Fuel assistance: 10 litres petrol 92 provided; petrol cost separate.
5. Battery Boost: Provided if battery voltage is low.
6. Flat tyre fixing: Replaced with used tyres; spare tyre must be in good condition.
7. Lock-out service: Open car door if key is locked inside (ownership verification required).
8. Off-road pull out: Rescue of vehicles stuck in sand/desert.
9. Discounted International Driving License: 50% discount for cardholders after documentation.

Credit Shield Takaful

Covers unfortunate events of death, total disability, or loss of employment for a fee of 0.94% of card outstanding. Maximum coverage:

• Involuntary loss of employment – AED 30,000
• Permanent Total Disability – AED 200,000
• Death – AED 200,000

Card Protection Plus

Optional facility to set security preferences, transaction types, financial limits, and location restrictions for your Prime Classic Card.

Important to Note

The Card is issued for personal use only. The Bank may restrict or cancel the Card and/or Wala’a Rewards if used for non-personal, fraudulent, or illegal transactions.