Core Benefits

• Enjoy greater travel and personal accident insurance coverage benefits for you (principal sum of USD 75,000) and your family. Simply buy your tickets with your Prime Gold Card for immediate enrollment.
• Enjoy automatic enrollment, free of cost when tickets are purchased with your Prime Gold Card.
• Your insurance plan covers Medical Expenses, Dental Care, Delayed Departure, Loss of Baggage, Personal Accident, Loss of Cash/Valuables and more.

Features

• 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 Dubai Islamic Bank account.
• Convenient and simple, access cash wherever you are in the world with high withdrawal limits on your Prime Gold Card, along with the card to account funds transfer option.
  

Core Benefits

• 24/7 concierge - Offering you a host of services all day, every day, the Visa Infinite Concierge makes the impossible, possible
• 0% instalment plan - Convert your transactions into manageable monthly payments and enjoy interest rates as low as 0% and flexible repayment options starting from three months. 
• 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
• EZ draft facility - Get access to additional funds to meet unexpected expenses and get up to 70% of your credit limit transferred into your account.
• Multi-trip travel insurance
• Visa PayWave security - Enjoy enhanced security and the convenience of a ‘tap to pay’ feature to speed up payment on small purchases. 
• Extended warranty
• Global customer assistance
• Mobile banking/SMS alert services

Features

• Cashback - For every dirham you spend on your NBF Visa Infinite Credit Card, you earn up to 3% cash back ; Any retail transaction that you do on your NBF credit card is eligible for cashback ; Earn unlimited cashback ; No minimum spend required.
• Cashback Rewards - For spending range of AED 0 to 9999, earn 1% domestic reward & 2% international reward ; For spending range of AED 10000 to 19999, earn 1.5% domestic reward & 2.5% international reward ; For spend of AED 20000 & above, earn 2% domestic reward & 3% international reward
• 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 two credit cards issued to family members who are over 15 years of age. 
• 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.
• Direct debit facility - Enjoy the convenience and flexibility of making minimum or full payments as specified on your monthly statements via your NBF account.

Core Benefits

• 0% instalment plan - Convert your transactions into manageable monthly payments and enjoy interest rates as low as 0% and flexible repayment options starting from three months.
• Balance transfer facility - Transfer your outstanding credit card balance from any card to NBF and avail of special promotional interest rates and repayment period options from three to 24 months.
• EZ draft facility - Get access to additional funds for any unexpected expenses and get up to 70% of your credit limit transferred into your account and flexible repayment options starting from three months.
• Mobile banking/SMS alert services - For your security and to keep you up to date with your finances, 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.
• 24/7 customer support via our call centre

Features

• 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.
• 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.
• Direct debit facility - Enjoy the convenience and flexibility of making minimum or 100% payments as specified on your monthly statements via your NBF account.
• Cashback programme - For every dirham you spend, you earn up to 2% cashback ; Any retail transaction that you do on your NBF credit card is eligible for cashback ; Earn unlimited cashback ; No minimum spend required
• Cashback Spending Range - For spend of AED 0 to 9999, earn 1% cashback ; For spend of AED 10000 to 19999, earn 1.5% cashback ; For spend of AED 20000 & above, earn 2% cashback. 

Core Benefits

• 0% instalment plan - Convert your transactions into manageable monthly payments and enjoy interest rates as low as 0% and flexible repayment options starting from three months.
• Balance transfer facility - Transfer your outstanding credit card balance from any card to NBF and avail of special promotional interest rate and repayment period options from three to 24 months.
• EZ draft facility - Get access to additional funds for any unexpected expenses and get up to 70% of your credit limit transferred into your account and flexible repayment options starting from three months. 
• Mobile banking/SMS alert services - For your security and to keep you up to date with your finances, you will receive free SMS alerts for: All your NBF credit card transactions ; Your payment due date reminders ; Payments made towards servicing your credit card ; Issued card statements
• Chip & PIN and Visa payWave - To enhance your safety, NBF’s credit cards are chip & PIN and Visa payWave enabled. 

Features

• Free for life time.
• 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.
• 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 four credit cards issued to family members who are over 18 years of age.
• Direct debit facility - Enjoy the convenience and flexibility of making minimum or 100% payments as specified on your monthly statements via your NBF account

Core Benefits

• Ability to transfer your balance from other banks to your NBQ Gold Card & repay your purchases in easy instalment payment plan (EPP).
• Credit Card Payment options of (5%, 10%, and 100%)

Features

• No annual subscription fees
• Higher credit limits with cash withdrawals allowed up to 90% of your credit limit
• Free credit for up to 55 days
• 1 Free additional supplementary card for your family member

Core Benefits

Features

• Enjoy dining offers - Enjoy 25% discount on online orders made through Zomato across the UAE. Use promo code DIBEK at checkout to avail discount.
• 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.

Core Benefits

• Balance transfer facility - Use the Emirates Skywards DIB Signature Credit Card to clear your outstanding on any other banks' credit cards and save more on unnecessary charges with no documentation required.
• Medical and Legal Referral - Travel the world carefree and safe, knowing that you have the medical help you need wherever you go.  
• 365 Days Purchase Protection - The Emirates Skywards DIB Signature Credit Card protects your purchase against theft and damage for a period of 365 days.
• Extended Warranty - The Emirates Skywards DIB Signature Credit Card entitles you to an extended warranty on your purchases, which is an automatic doubling of the manufacturer’s warranty for up to 1 year against mechanical breakdown on new electrical household products, purchased with your Emirates Skywards DIB Signature Credit Card.
• Visa payWave - Shopping is now easy, fun and secure with Emirates Skywards DIB Signature Credit Card enabled with Visa payWave technology.
• Chip and PIN Security

Features

• Enjoy dining offers - Enjoy 25% discount on online orders made through Zomato across the UAE. Use promo code DIBEK at checkout to avail discount
• 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.
• Free Valet Parking Area Listing - With this card you can enjoy 3 free valet parking services per month at selected locations across the UAE.

Core Benefits

• Balance transfer facility - Use the Emirates Skywards DIB Infinite Credit Card to clear your outstanding on any other banks' credit cards and save more on unnecessary charges with no documentation required.
• Medical and Legal Referral - Travel the world carefree and safe, knowing that you have the medical help you need wherever you go.
• 365 Days Purchase Protection - The Emirates Skywards DIB Infinite Credit Card protects your purchase against theft and damage for a period of 365 days.
• Extended Warranty - The Emirates Skywards DIB Infinite Credit Card entitles you to an extended warranty on your purchases, which is an automatic doubling of the manufacturer’s warranty for up to 1 year against mechanical breakdown on new electrical household products, purchased with the Emirates Skywards DIB Infinite Credit Card.   

Features

• Enjoy dining offers - Enjoy 25% discount on online orders made through Zomato across the UAE. Use promo code DIBEK at checkout to avail discount.
• Health club privileges - With the Emirates Skywards DIB Infinite Credit Card you can access the Emirates Towers Health Club and use its facilities at any time on any day.
• 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.
• Free Valet Parking Area Listing - With this card you can enjoy 4 free valet parking services per month at selected locations across the UAE.

Core Benefits

• Extended warranty and protection - We cover you in the event of your purchases being lost, stolen or damaged
• 0% interest on balance transfers for the first 6 months
• Credit Shield
• SMS alerts on all credit card transactions 
• Low reducing balance interest rate of just 1.99% per month

Features

• 100% cash back on up to 4 free movie tickets every month, any day, any cinema in the UAE
• Cash transfer to CBI accounts or any other accounts within the UAE at 1% p.m with repayment terms up to 36 months and a processing fee of just 1%.
• Free supplementary cards for family members

Core Benefits

• Balance Transfer Now you can really save big time with your Platinum Credit Card balance transfer facility. You have the opportunity to pay off balances you owe to other banks through your Platinum Credit Card, with no profit charged on the balance transferred.

Features

• Get mouth-watering discounts of up to 30% at restaurants across the UAE with your Emirates Islamic Card.
• Get fabulous discounts at partner outlets across UAE when you shop using your Emirates Islamic Card.
• Enjoy travel benefits with our exclusive travel season offers.

Core Benefits

• Balance Transfer your outstanding balance from your other bank’s Credit Card to your Etihad Guest Above Credit Card and save with amazingly low interest rates.
• Benefits Your Etihad Guest Above Card offers you protection in case of permanent disability, critical illness, involuntary loss of employment or death. To benefit, simply enroll in the Credit Shield programme by paying a nominal monthly fee. The programme also insures the card member against risk of death by any cause for up to AED 100,000.
  

Features

• Utility Bill Payments : You can use your Etihad Guest Above Credit Card to pay your utility bills (Etisalat, ADDC, DEWA, AADC, and SEWA) effortlessly through ADCB Personal Internet Banking or through ADCB Mobile, anytime, anywhere.
• Personal Payment Plan : Split your everyday purchase transactions made on your Etihad Guest Above Credit Card at low interest rates and pay in easy instalments of 6, 9, 12, 18 or 24 months.
• Credit Card Loan : Benefit from a low interest rate and repay in easy instalments of 6, 9, 12, 18 or 24 months.

Core Benefits

• Protection on your outstanding balance in the event of unforeseen circumstances
• Your ADCB Credit Card gives you to the convenience to pay as little as 5% of your outstanding balance each month, and carry forward the balance to the next billing cycle
• An affordable global life insurance plan that covers natural death, accidental death, disability and in-patient medical expenses for as little as 50 fils per day
• ADCB Credit Card includes added security when you shop online. The 3D Secure feature adds an extra layer of verification, so buying online is even more safe.

Features

• With your ADCB LuLu MasterCard, you can enjoy the best deals from many ongoing special promotions and exclusive spot discount offers at Lulu, Emirates General Market and Al Falah stores in the UAE.
• Enjoy a cash loan against your available credit limit at low interest rates and repay in easy monthly installments.
• Convert your purchases into easy installments from 6 to 24 months at low interest rates.
• Pay your utility bills 24 hours a day without having to wait in long queues.

Core Benefits

• Free Purchase Protection Cover – insuring purchases made with your eligible card against theft / accidental damage occurring within 365 days from the date of purchase, as stated on the store receipt.
• Free Extended Warranty Cover – providing an additional warranty on top of any manufacturers’ warranty.
• Access to 24 hours Customer Contact Center.
• Quick credit card application processing time.
• Extensive national and worldwide acceptance.

Features

• The annual fee applicable on this card is AED 500.
• Personalized credit limit to meet your evolving financial requirements.
• Flexible repayment instructions including : 5%, 25%, 50%, or 100% of the balance.
• Free supplementary credit cards.
• Grace period of interest free credit up to 52 days , in case of full repayment at payment due date , Credit Shield insurance which covers 100% of the outstanding balance, in the event of the death or permanent total disability of the primary cardholder.
• You require a minimum salary 20000 AED per month to be eligible for this card.

Core Benefits

• Convenient Easy Payment Plans starting from as low as 1%.
• Settle your credit card payments conveniently through our Direct Banking Services (Internet Banking, Phone BankingComplimentaryand ATMs).
• Manage your credit card account through the Internet and Phone Banking Services for free.
• Access to 24 hours Customer Contact Center.
• Quick credit card application processing time.
• Extensive national and worldwide acceptance.

Features

• Personalized credit limit to meet your evolving financial requirements.
• Competitive interest rates.
• Flexible repayment instructions including: 5%, 25%, 50%, or 100% of the balance.
• Grace period of interest free credit up to 52 days.
• Repayment security with Arab Bank Credit Shield Insurance.
• Free supplementary credit cards.
• Transfer the outstanding balance(s) from your Credit Cards of other banks to your Arab Bank Visa Credit Card through Balance Transfer Service.

Core Benefits

• More secure online shopping with “Arab bank Verified by Visa/ MasterCard Secure Code Service”.
• Settle your credit card payments conveniently through our Direct Banking Services (Internet Banking, Phone Banking and ATMs).
• Manage your credit card account through the Internet and Phone Banking Services for free.
• Access to 24 hours Customer Contact Center.
• Quick credit card application processing time.
• Extensive national and worldwide acceptance.

Features

• Personalized credit limit to meet your evolving financial requirements.
• Competitive interest rates
• High cash advance limit of up to 75%.
• Flexible repayment instructions including: 5%, 25%, 50%, or 100% of the balance.
• Grace period of interest free credit up to 52 days.
• Repayment security with Arab Bank Credit Shield Insurance.
• Free supplementary credit cards.
• Transfer the outstanding balance(s) from your Credit Cards of other banks to your Arab Bank Visa Credit Card through Balance Transfer Service.

Core Benefits

• Balance Transfer - Benefit more by transferring your outstanding balance from other banks credit cards to your Platinum Life and enjoy special low interest rates, and with a choice to repay in 3 to 36 equal monthly instalments.
• Loan on Phone - An instant, low interest loan on your credit card is available to you. You can pay the loan in equal monthly instalments over 3 to 36 months.
• Easy Purchase Plan - Any purchase greater than AED 1,000 can be converted into Easy Payment Plan and conveniently paid in 3 to 36 monthly instalments at special interest rates starting from 0%.
• Fraud Protection - This insurance covers you in case of fraudulent transactions using your credit card information. You are covered up to AED 2,386 per occurrence and cumulative amount of AED 6,239 annually.
• Accident Insurance - You are automatically enrolled in the personal accident insurance scheme worth AED 150,000 to cater to unforeseen eventualities like Death or Permanent Total Disability arising from an accident.

Features

• No annual fee for first year, AED 550 from 2nd year onwards.
• Use your Platinum Life card to buy a movie ticket at select cinemas in the UAE, and get the second one absolutely FREE
• Every time you use your Platinum Life card for retail purchases, you earn 1 Dubai Dinar per Dirham spent. You can redeem your rewards against Gift Vouchers from leading brands, shopping malls, utilities and online transactions.
• Earn 1% cash back every time you top-up your NOL Card on a minimum spend of AED 100 at RTA per calendar month.

Core Benefits

• Enjoy flexible financial benefits including Balance Transfer, Easy Purchase Plan and Loan-on-Phone payment plans at special low interest rate.
• Stay protected with your Al Himaaya Insurance that covers you and your family in the unfortunate event that you cannot meet your financial commitments.
• Protect your local & international purchases in case of loss, theft or accidental damage, up to AED 40,000 per year.

Features

• No annual fee for first year. AED 750 from 2nd year onwards.
• Receive a cash reward of up to 2.5% for every dirham you spend using your Emirati card. Enjoy higher rewards for higher spend with bonus rewards on overseas purchases.
• Complimentary airport lounge access across MENA
• Access to premium health clubs

Core Benefits

• Protection - For the unforeseen circumstances that may prevent you or your family from meeting your financial commitments, Dubai First introduces Credit Shield - a comprehensive credit card insurance cover that offers you complete protection against life's adversities.
• 24/7 Utility Bill Payment
• Instant Cash Advances at over 1 Million ATMs around the world
• Balance Transfer - Benefit more by transferring your outstanding balance from other banks credit cards to the Dubai First Cash Back Card and enjoy special low interest rates. With a choice to repay the amount in 3 to 36 equal monthly instalments… your finances will be even easier to manage.

Features

• Up to 2.5% Cash Back on every day spends in the UAE and abroad
• 5% Cash Back on all dining and entertainment spends in the UAE and abroad
• Complimentary airport lounge access across MENA
• Access to premium health clubs
• Through its innovative cash back program, the Dubai First Cash Back Card offers you cash reward of up to AED 12,000 per year. Enjoy higher rewards for higher spends. 
• Up to 4 free Supplementary cards
  

Core Benefits

• Loan on phone - An instant, low interest loan is available to you via the phone. You can pay the loan in equal monthly instalments over 3 to 36 months.
• Balance Transfer - Benefit more by transferring your outstanding balance from other banks credit cards to Mastercard Gold card and enjoy special low interest rates. With a choice to repay the amount in 3 to 36 equal monthly instalments your finances will be even easier to manage.
• Easy Purchase Plans - Purchase any item greater than AED 1000 and nominate the same for our Easy Payment Plan with convenient monthly instalments of 3 to 36 months at a special interest rate.

Features

• CashBack Benefits - Get Cash Back of up to 2.5% on your transactions.
• Travel Benefits - Phone Dubai First Travel Assist to book your flights with 5% discount on the airfare and have the tickets conveniently delivered to your doorstep. Enjoy up to 7% discounts on Holiday Packages.
• PayPassTM Technology - Your Dubai First Cash Back Gold Mastercard is equipped with PayPass™ technology. Simply tap your card on a PayPass™ reader to save time and enjoy convenience at select outlets for purchases of up to AED 100. 

Core Benefits

Features

• No annual fee
• 50% movie cashback, up to AED 125 per month
• Free online and mobile banking
• Free SMS notifications & e-statements, so you can track all your transactions
• 24/7 access to our Call Centre

Core Benefits

• Sign up Offer - AED 3,000 equivalent UNB miles on payment of Annual Fee & min. AED 100,000 retail spend during 1st 12 months of card issuance, OR 1st year free
• 0% Installment on Education giving flexibility to convert education spend into 0% installment for 3 months with no processing fee
  
• Transfer your credit card outstanding balance from other bank’s card to UNB World Card within 6 months of UNB World Card issuance date and enjoy installment for up to 6 months at 0% interest, with a 2% processing fee
• 10% discount with Cleartrip on any international roundtrip airfare.
• 0% interest for 3 months on all travel purchases.

Features

• Welcome bonus of AED 3,000 worth of UNBmiles.
• Up to 10 UNBmiles for every AED of retail spend, which can be redeemed via online portal for booking flights, hotels & rent-a-car worldwide, transferring UNBmiles to travel & retail loyalty programs, mobile recharge at 200+ Telco's globally, and getting e-vouchers for renowned malls and brands across GCC..
• Complimentary multi-trip travel insurance including medical benefits. Travel insurance letter can be generated instantly online for visa application needs.
  
• 50% value back on cinema spend anytime, anywhere in UAE.
• Free auto registration or renewal service once a year & free emergency roadside assistance anytime, anywhere in UAE.
• Exciting discounts of up to 40% across renowned shopping, leisure & entertainment partners & 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets.
• Up to 2 complimentary nights with Starwood Hotels and Resorts

Core Benefits

• Balance Transfer - Up to 0.69% per month For tenors up to 36 months for expatriates For tenors up to 48 months for UAE Nationals (UAE Nationals should not be over 65 years old at tenor maturity; expats should not be over 60 years old) Minimum balance transfer amount: AED 2,000
• 0% Installment on Education, giving flexibility to convert education spend into 0% installment for 3 months with no processing fee
• Free emergency auto assistance.
• Free annual auto registration or renewal.
• Free online and mobile banking.
• Free SMS notifications & e-statements, so you can track all your transactions.

Features

• 50% movie cashback as UNB miles.
• Up to 3 UNBmiles for every AED of retail spend, which can be redeemed via online portal for booking flights, hotels & rent-a-car worldwide, transferring UNBmiles to travel & retail loyalty programs, mobile recharge at 200+ Telco's globally, and getting e-vouchers for renowned malls and brands across GCC.
• 0% interest for 3 months on travel purchases-no processing fee
• Joining bonus of upto AED 500 as UNBmiles:
  -AED 200 on a minimum retail spend of AED 2,000 within first 60 days from card issuance date
  -AED 400 on a minimum retail spend of AED 4,000 within first 60 days from card issuance date
  -Extra AED 100 for any utility bill payment through UNInet within first 60 days from card issuance date

Core Benefits

• Balance Transfer (Up to 0.69% per month) - For tenors up to 36 months for expatriates ; For tenors up to 48 months for UAE Nationals.  NOTE (UAE Nationals should not be over 65 years old at tenor maturity; expats should not be over 60 years old) Minimum balance transfer amount: AED 2,000

Features

• No annual fee.
• 0% interest for up to 6 months on Egypt Air tickets.
• Free emergency medical services in Egypt.
• Free online and mobile banking.
• Free SMS notifications & e-statements, so you can track all your transactions.
• 24/7 access to our Call Centre.

Core Benefits

• Credit Shield insurance against personal accident and loss of employment
• 24/7 access to our Call Centre
• Balance Transfer (New and existing UNB customers) - Up to 0.69% per month ; For tenors up to 36 months for expatriates ; For tenors up to 48 months for UAE Nationals. NOTE : (UAE Nationals should not be over the age of 65 at tenor maturity; expats should be no older than 60). Minimum balance transfer amount: AED 2,000

Features

• No annual fee
• 50% movie cashback as UNB miles
• Interest-free grace period of up to 50 days
• Free online and mobile banking
• Free SMS notifications & e-statements, so you can track all your transactions

Core Benefits

• 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.funds transfer option.

Features

• 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 Dubai Islamic Bank account.
• Convenient and simple, access cash wherever you are in the world with high withdrawal limits on your Prime Classic Card, along with the card to account 

Core Benefits

• Preferential rates on Balance Transfer - Transfer your non-Al Masraf Credit Card balances to your Al Masraf Credit Card and enjoy low preferential rates on your transferred balance.
• 0% Easy Payment Plan (EPP) - 0% Easy Payment Plan (EPP) offers you the comfort of shopping for all the things you love, with the convenience of paying for it later at no extra cost.
• Cash is so easy with Al Masraf Easy Cash - Easy Cash offers you up to 75% of your Credit Card limit as cash directly to your banking account within the UAE.
• SMS Alerting service - Each time a transaction is made on your Al Masraf World Elite Credit Card, you’ll receive an instant SMS message, letting you know exactly how much you’ve just spent.

Features

• Worldwide Acceptance - Al Masraf World Elite MasterCard Credit Card has access to over 27,000 retail outlets in the UAE and over 36 million retail outlets around the world.
• Al Masraf Points - Al Masraf Points is a revolutionary new banking program that earns you points every time you spend on your Credit Card at home or abroad.
• Supplementary cards for your family - Get free Supplementary Cards for your family members. As a Primary Cardholder, you can even set spending limits for each of your Supplementary Cards, thereby giving your family greater convenience whilst still controlling spending.
• Control your card limit - Al Masraf puts you in control to manage your credit limit.
• Interest Free Credit - Get up to 55 days of interest free credit on your purchases, on payment of your current billing statement in full.

Core Benefits

• Preferential rates on Balance Transfer - Transfer your non-Al Masraf Credit Card balances to your Al Masraf Credit Card and enjoy low preferential rates on your transferred balance.
• 0% Easy Payment Plan (EPP) - 0% Easy Payment Plan (EPP) offers you the comfort of shopping for all the things you love, with the convenience of paying for it later at no extra cost.
• Cash is so easy with Al Masraf Easy Cash - Easy Cash offers you up to 75% of your Credit Card limit as cash directly to your bank account within the UAE.
• Purchase Protection - With World MasterCard, you will be insured for loss of a covered purchase due to accidental damage or theft occurring within ninety days from the date of purchase as indicated on the store receipt. 
• Extended warranty - The Extended Warranty benefit doubles the original manufacturers or store-brand warranty for up to 12 months. It is yours for no additional cost, and there is no need to register your purchases.

Features

• Worldwide Acceptance - Al Masraf World MasterCard Credit Card has access to over 27,000 retail outlets in the UAE and over 36 million retail outlets around the world.
• Al Masraf Points - Al Masraf Points is a revolutionary new banking program that earns you points every time you spend on your Credit Card at home or abroad.Whether you’re looking for flights, hotel stays, shopping, or even just straightforward cash back, Al Masraf Points gives it all – using just one credit card.
• Supplementary cards for your family - As a Primary Cardholder, you can even set spending limits for each of your Supplementary Cards, thereby giving your family greater convenience whilst still controlling spending.
• Control your card limit - Al Masraf puts you in control to manage your credit limit.
• Interest Free Credit - Get up to 55 days of interest free credit on your purchases, on payment of your current billing statement in full.

Core Benefits

• Card Fraud Protection - If the credit card is lost, or is the object of a theft, customers will be reimbursed for unauthorized charges on the payment card, up to 24 hours prior to first reporting of the event.
• Purchase Protection - With MasterCard, cardholders will be insured for loss of a covered purchase due to accidental damage or theft occurring within ninety days from the date of purchase as indicated on the store receipt.
• Credit Shield - Al Masraf Credit Card outstanding is now protected & covered against incidents like involuntary loss of employment, death or permanent total disability at a nominal monthly charge. 

Features

• Worldwide Acceptance - Al Masraf Platinum MasterCard Credit Card has access to over 27,000 retail outlets in the UAE and over 36 million retail outlets around the world.
• Supplementary cards for your family - Set spending limits for each Supplementary Card, thereby giving your family greater convenience whilst still controlling spending.
• Control your card limit - Al Masraf puts you in control to manage your credit limit.
• Interest Free Credit - Get up to 55 days of interest free credit on your purchases, on payment of your current billing Statement in full.
• Cash is so easy with Al Masraf Easy Cash - Easy Cash offers you up to 75% of your Credit Card limit as cash directly to your banking account within the UAE.

Core Benefits

• Balance Transfer - Benefit more by transferring your outstanding balance from other banks credit cards to MasterCard Gold card and enjoy special low interest rates. With a choice to repay the amount in 3 to 36 equal monthly instalments,your finances will be even easier to manage.
• Easy Purchase Plan - Purchase any item, anywhere in the world and pay for it in convenient monthly installments of 6, 12, 18, 24 or 36 at a special low interest rate.
  

Features

• Loan on Phone - Get an instant loan of up to 50% of your available credit limit. Pay in low interest, equal monthly installments
• Life Insurance - Get free life insurance up to AED 50,000
• Free Supplementary Card
• Withdraw up to 25% of your credit limit in cash from ATMs worldwide
• Free insurance up to AED 25,000 for household effects against accidental loss due to fire, burglary, or natural causes.

Core Benefits

• Balance Transfer - Benefit more by transferring your outstanding balance from other banks credit cards to your Platinum Rewards and enjoy special low interest rates, and with a choice to repay in 3 to 36 equal monthly instalments.
• Easy Purchase Plan - Any purchase greater than AED 1,000 can be converted into Easy Payment Plan and can be paid in 3 to 36 monthly instalments at special interest rate starting from 0%.

Features

• Buy-1-Get-1 Free at Cinemas : Use your Platinum Rewards card to buy a movie ticket at selected Cinemas in the UAE,and get second one absolutely FREE.
• Enjoy Valet Parking at participating locations in Dubai and Abu Dhabi.
• Complementary access to over 25 regional and international lounges across UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore, etc.
• Instant Cash Advances at over 1 Million ATMs around the world.
  

Core Benefits

• Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card.Balance transfer fee is up to 5%
• Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
• Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo

Features

Core Benefits

• Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card.
• Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
• Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo

Features

• Get up to 5 Supplementary Cards for your family.
• The 24/7 Visa Concierge Services help you save valuable time and makes your life easy. From organizing a flight, to recommending a restaurant, arranging for opera tickets, or any services away from home - all it takes is a call to Visa Concierge.
• Enjoy Buy One Get One Free on tickets and popcorn at VOX Cinemas for up to 2 free tickets each month.
• Enjoy 30% off on dining, shopping, travel and entertainment experience at some of the UAE's finest destinations from over 450 partner merchants with Najm Lifestyle. 

Core Benefits

• Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card
• Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
• Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus log

Features

• 3% cashback every Tuesday at Carrefour
• 1.5% cashback every day at Carrefour
• 0.5% cashback everywhere Visa is accepted
• Up to AED 200 monthly savings
• Enjoy your cashback on a minimum spend of AED 2000 in a billing cycle. 
• Dedicated Najm check-out counters at Carrefour
• Free unlimited Valet Trolley at Carrefour with a minimum spend of AED 250. 
• Exclusive offers at Carrefour
• 0% EPP up to 12 months at Carrefour

Core Benefits

Features

• Get 10% cash back on groceries, utilities, school fees, dining, fashion, fuel, online shopping, travel, international spends, and everything else you can think of
• Cash back is directly credited back to your credit card account every month
• Earn cash back of up to AED 500 every month. The more you use your card, the faster you reach AED 500 monthly savings
• Get up to 5 Supplementary Cards for your family.

Core Benefits

• Balance Transfer - Simply transfer outstanding balances from other credit cards to your Najm Credit Card. 
• Loan On Phone - Get up to 70% of your available Najm Credit Card limit transferred to your bank account and take care of school fees, rent, or any other expenditure.
• Cash Advance - You can withdraw cash from ATMs worldwide that have the Cirrus logo

Features

• 10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer
• 6% cashback every Tuesday at Carrefour
• 3% cashback everyday at Carrefour.
• 1.5% cashback everywhere Visa is accepted
• Up to AED 500 savings every month
• Enjoy your cashback on a minimum spend of AED 2000 in a billing cycle. 
• 6% Cashback every Tuesday at Carrefour (All Carrefour stores, Carrefour Webstore, Carrefour Mobile app)
• 3% Cashback everyday at Carrefour
• Dedicated Najm check-out counters at Carrefour.
• Free unlimited Valet Trolley at Carrefour with a minimum spend of AED 250. 
• Exclusive offers at Carrefour
• 0% EPP up to 12 months at Carrefour

Core Benefits

• Up to 55 days to make the payment.
• Free Purchase Protection.
• Free Travel Accident Takaful.
• Cash Advance of up to 80% of your Credit Limit.
• Lowest minimum monthly payment of just 3%.

Features

• No annual fee EVER.
• Exclusive offers on electronics, jewellery, holidays, dining, furnishing.
• Free Supplementary Cards.
• Privileged discounts on dining and shopping.
• Travel in style, Exclusive global discounts and privileges on premium brands and hotels on your Credit Card.
• Enjoy hundreds of complimentary Buy 1 Get 1 offers throughtout Middle East & Africa across dining, cafes, entertainment and attractions  powered by the Buy 1, Get 1 Mastercard for You app.
• With RAKfoodie you can enjoy up to 30% Discount at over 2,000 restaurants using your RAKislamic Cards.

Core Benefits

• Free Purchase Protection.
• Free Travel Accident Insurance.
• Cash Advance of up to 80% of your Credit Limit.
• Lowest minimum monthly payment of just 3%.
• 0% Easy Payment Plan is offered on www.airarabia.com for 12 months with NO processing fee.
• Convert your purchase into a 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants.

Features

• Low interest rate on outstanding Retail PurchasesExclusive offers on electronics, jewellery, holidays, dining, furnishing.
• Annual Fee will be waived from the second year onwards, if the retail spend criteria of AED 20,000 is achieved in the previous year. 
• Privileged discounts on dining and shopping.
• Enjoy hundreds of complimentary Buy 1 Get 1 offers throughout Middle East & Africa across dining, cafes, entertainment and attractions powered by the Buy 1, Get 1 Mastercard for You app.
• With RAKfoodie you can enjoy up to 30% Discount at over 2,000 restaurants using your RAKBANK Cards.

Core Benefits

• Up to 55 days interest-free credit.
• Cash Advance of up to 80% of your Credit Limit.
• Lowest minimum monthly payment of just 3%.
• Free Purchase Protection.
• Free Travel Accident Insurance.
• Convert your purchase into a 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants.

Features

• With RAKfoodie you can enjoy up to 30% Discount at over 2,000 restaurants using your RAKBANK Cards.
• Discount on travel bookings with Cleartrip.
• Discounts on rides with Careem.
• Discounts on car rentals with Avis.
• Complimentary Buy 1 Get 1 offers.

Core Benefits

• Up to 55 days interest free credit.
• Free Purchase Protection.
• Free Travel Accident Insurance.
• Cash Advance of up to 80% of your Credit Limit.
• Lowest minimum monthly payment of just 3%.
• Convert your purchase into a 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants. 

Features

• No annual fee EVER.
• Low interest rate on outstanding Retail Purchases.
• Exclusive offers on electronics, jewellery, holidays, dining, furnishing.
• Free Supplementary Cards.
• Privileged discounts on dining and shopping.
• Enjoy hundreds of complimentary Buy 1 Get 1 offers throughtout Middle East & Africa across dining, cafes, entertainment and attractions  powered by the Buy 1, Get 1 Mastercard for You app.
• With RAKfoodie you can enjoy up to 30% Discount at over 2,000 restaurants using your RAKBANK Cards.

Core Benefits

• Low interest rate.
• Balance Transfer at attractive rates.
• 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants.
• Cash advance of up to 80% of your credit limit.
• Up to 55 days interest free Credit.
• 3D Secure - Secure online transactions.
• Chip and PIN - Additional security for your transactions.
• Make utility payments easily through our Online or Mobile Banking service.

Features

• Exclusive dining offers at leading restaurants across a wide range of cuisines.
• Get access to a collection of over 600 exclusive offers and experiences in 27 destinations, enjoy discounted dining and VIP treatments at world-class hotels, or indulgent shopping experiences.
• MasterCard Buy 1 Get 1 Offers.
• Bicester Village Shopping Collection Benefits offer savings of up to 60% on the recommended retail price, in their own luxuriously appointed boutiques, all year round.
• Avis Car Rental discount of up to 25% and 10% off Premium Chauffeur Drive services.
• Discounted Chauffeur Rides with Careem.
• Travel Accident & Medical cover.
• Free Supplementary Card.