Credit Cards Al Hilal Bank Emirati World Elite Exclusive MasterCard


For those who love life without limits

With its unique metal body, the Al Hilal Bank Emirati World Elite Exclusive Mastercard Credit Card makes an uncompromising statement, conferring the freedom to imagine life with no limits and bestowing benefits as grand as your ambitions.

for the first year
subsequent fees can be waived subject to your spend
1 million Over
Complimentary access to Wi-Fi
hotspot locations worldwide


  • If you do not make the payments of your minimum due amount on credit cards, you will pay a Late Payment Amount applicable as per the schedule of fees available on our website. This may affect your credit rating, which may limit your ability to access financing or credit products in the future.
Features & Benefits

Pay the outstanding balance on your other UAE credit cards with your Al Hilal Bank Card with our Balance Transfer facility at a 0% profit rate and a flexible repayment term.

Terms & Conditions

  • Up to 90% of your available credit limit can be accessed
  • Minimum amount for Balance Transfer is AED 1000
  • To know more about our updated pricing and utilise the benefit, please contact us on 600522229

Get cash against your available credit limit transferred into an account anywhere in the UAE and benefit from 0% profit rate and a flexible repayment term.

Terms & Conditions

  • Up to 80% of your available credit limit can be accessed
  • The minimum amount for Instant Cash is AED 5000
  • Funds will be transferred to the beneficiary’s account anywhere in the UAE in AED currency
  • To know more about our updated pricing and utilise the benefit, please contact us on 600522229

  • 2 Joud Reward points earned for every AED of international spend and 1.5 Joud Reward points for every AED of local retail spend

Joud Reward Points can be redeemed for an array of benefits For more details on point earning and the Joud Rewards program, visit

Digital Ready

Add your Al Hilal Bank Emirati World Elite Exclusive Mastercard Credit Card to your digital wallet and simply tap your device to make payment for your purchases. Pay with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Emirati World Elite Exclusive Mastercard holders enjoy over 900 Buy One, Get One Free offers on hotels, fine dining, premium spas and more across the Middle East and Africa.

  • Complimentary Wi-Fi at over 1 million hotspot locations around the world, including in-flight on Etihad Airways and other selected carriers, via Boingo – the world’s leading Wi-Fi provider
  • Unlimited free access to over 1,000 airport lounges in more than 450 cities across the globe for you and a guest
  • Hertz Gold Plus Rewards®, giving discounts on the best publicly available rates, guaranteed complimentary one-car-class upgrades, faster reservations on rentals and returns, plus priority service at rental queues at many of the world’s busiest airports. Simply visit to register.
  • Complimentary nights when you book a Marriott Bonvoy Hotel stay using your card
  • Black Membership to the Global Hotel Alliance (GHA), giving you access to double room upgrades, guaranteed room availability, early check-in (from 9:00 am) and late check-out (until 6:00 pm) at over 33 GHA hotel brands across 76 countries
  • Access to room upgrades at the World Elite Luxury Hotels Collection with premium access to over 1,000 hotels globally, plus early check-in, late check-out, and complimentary breakfast for two
  • With Fulfill visa assistance, World Mastercard holders can book appointments for a flat fee of USD 15, reduce the time spent applying for travel visas, avoid having to fill out complicated forms, and receive document checklists for your travel visa submissions (when you are required to personally submit a travel visa application). Visit to access the Fulfill website and apply for your travel visas.
  • Up to 25% off your car rental and 10% off the Premium Chauffeur Drive service with Avis Car Rental. Visit and use your card for bookings and payments.
  • Stay for three nights and pay for only two at any of the 16 participating Oberoi properties in India, Indonesia and the UAE when you book and pay with your card. Visit for details.
  • Complimentary nights from Soneva
  • Discounts on luxury serviced apartments from Onefinestay
  • Up to 10% off the price of your booking for selected properties when you book a stay using Discount. Simply visit and apply the promo code MASTERCARDMEA upon checkout with your World Mastercard.
  • 10% discount on any international roundtrip airfare booked through Cleartrip. Simply go to, select your flights, and enter promo code MCWORLD, making sure to pay with your World Mastercard.
  • Discounted Chauffeur Rides with Careem, including 20% off 3 rides every month. To enable the discount, simply enter the promo code MASTERCARD when booking.

  • Download the ‘Mastercard for You’ App to discover the full range of privileges and benefits
  • World Elite Concierge for your every need – a dedicated concierge service available 24/7, with support provided in both Arabic and English
  • Offers and discounts with the Bicester Village Shopping Collection – please visit
  • Enjoy 10% off website-wide products at, which features over 700 boutiques and brands from around the world. Farfetch ships to customers in almost 190 countries. Explore the marketplace at
  • MyUSPremium shipping discounts for World Mastercard holders. Simply visit to register.

The Emirati World Elite Exclusive Mastercard includes a range of travel and medical insurances covering baggage loss or delay, trip cancellation or curtailment, missed connections, trip delays, collision damage waiver and emergency medical expenses. Simply visit

Travel Inconvenience Insurances Coverage
Loss of Baggage Up to $ 3,000
Delay of Baggage $ 500
Trip Cancellation/Curtailment Up to $ 7,500
Trip Delays / missed connections $ 500

Travel Medical Insurance Coverage
Travel Accident Insurance Up to $ 500,000
Emergency medical evacuation / repatriation Up to $ 500,000
Medical emergency expenses Up to $ 50,000
Daily in-hospital cash benefit $ 100 per day

Rental Car and loss damage waiver insurance
covering loss or damage of your rental car
Physical damage or loss of use Up to $ 50,000
Towing of vehicle Up to $ 100
Vehicle drop-off charges Up to $ 100

Fees and Charges

Annual Fee – 1st Year Free
Annual Fee – 2nd Year Onwards Waived*
Supplementary Card Fee (upto 3) Free (upto 3)
Additional Supplementary Card (4th onwards) 105
Profit Rate (Murabaha) Credit Card 1.99%
Fee for Non AED Transactions (Exchange Markup) 3.14%
Cash Withdrawal Fee 3.15%
Cash Withdrawal Percentage 60%
Over Limit Charges Nil
Late Payment Amount (to be paid to charity) 241.5
Card Replacement Fee Nil
Card Re-Issuance Fee Nil
Duplicate Statement - up to 3 months 26.25
Duplicate Statement - over 3 months 52.5
Temporary Credit Limit Enhancement Fee 105
Returned cheque Handling Charges 105
Copy of Sales Voucher 42
Hotel (T & E) Sales Copy Request 105
Outstation Cheque Processing fee 31.5
Liability letter/ certificate AED 63

*Subject to minimum spend of AED 240,000 in the previous year. If the minimum spend criteria is not achieved, Annual fee of AED 5,250 will be applicable.

Above stated fees and charges is inclusive of 5% VAT wherever applicable

Digital Payment Solutions

Al Hilal Bank gives you the choice to pay in a way that’s easy, secure and suits the way you live. Learn more

Contact us

As an Al Hilal Bank Emirati World Elite Exclusive MasterCard Cardholder, you will enjoy exclusive access to a diverse selection of travel privileges, promotions and benefits that make your life easier and better.

Should you have more questions, please feel free to call the call center on 600522229 or email us on

A superior banking experience awaits you.

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