Al Hilal Bank | Emirati World Elite Exclusive MasterCard

A card for life’s luxuries

With a unique metal body, the Emirati World Elite Exclusive Card is a statement that is as unique as it is bold and uncompromising. Use it to imagine life with no limits, and access benefits as grand as your ambition. It unlocks a diverse selection of travel benefits, lifestyle perks, shopping frills, insurance covers and endless luxuries.

Free Card

for the first year and renewal fees for subsequent years

also waived subject to spends on the card

Unlimited

VIP Terminal access

1 million Over

Hotspot locations around the world

Complimentary access to Wi-Fi

Features & Benefits

Rewards

Earn 2 Joud Reward points for every AED 1 of international retail spend and 1.5 Joud Reward Points for every AED 1 of local retail spend
For more details on points earning and Joud Rewards program, visit joud.alhilalbank.ae/

Discounts & Offers

Over 900 unlimited Buy 1 Get 1 offers on hotels, fine dining, premium spas and much more across the Middle East & Africa with the Al Hilal Bank Emirati World Elite Exclusive MasterCard. Please click here for more offers.

Travel Benefits

Free VIP terminal access (self + 4 guests) at Abu Dhabi International Airport – Get the VIP treatment with priority check-in, luggage collection services, meet and greet services, access to the VIP Terminal lounge as well as other optional services*
Complimentary access to Wi-Fi at over 1 million hotspot locations around the world including in-flight on select airlines via the world’s leading Wi-Fi provider, Boingo – including on Etihad Airways’ flights
Unlimited access to over 850 airport lounges in more than 400 cities across the globe completely free of charge – for you and your guest
Hertz President Circle membership –get discounts on the best publicly available rates, guaranteed complimentary one-car-class upgrade, faster reservations on rentals, and returns, as well as priority at rental queue at many of the world’s busiest airports
Complimentary nights when you book a Marriott Bonvoy Hotels using your Al Hilal Bank Emirati World Elite Exclusive MasterCard – complimentary nights
Black membership to the Global Hotel Alliance (GHA) – giving you access to double room upgrades, guaranteed room availability, early check-in at 9:00am, and late check-out until 6:00pm at over 33 GHA hotel brands across 76 countries
World Elite Luxury Hotels Collection with premium access to over 1,000 hotels globally – giving you access to room upgrades, early check-in, late check-out and complimentary breakfast for 2
40% off on travel visa services to Schengen countries, UK, Saudi Arabia, Australia, New Zealand, Singapore, & Canada – you can get priority appointment scheduling, form filling and typing and document collection services

Lifestyle Benefits

World Elite Concierge for your every whim and need. The dedicated Concierge Service is available 24/7 and provides support in both Arabic and English
The ‘Mastercard for You’ App is available to view all the privileges and benefits you have access to on the Al Hilal Bank Emirati World Elite Exclusive MasterCard

Protection Benefits

Wide range of travel and medical insurances covering loss/ delay of baggage, trip cancellation/ curtailment, missed connections, trip delays, and emergency medical expenses

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	Coverage
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

	Coverage
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

*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

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 contactus@alhilalbank.ae

A superior banking experience awaits you.

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^{Credit Cards} Al Hilal Bank Emirati World Elite Exclusive MasterCard