Credit Cards 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
VIP Terminal access
1 million Over
Hotspot locations around the world
Complimentary access to Wi-Fi
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

  • 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

  • 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.

  • 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

  • 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

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
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

*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

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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600 522 229

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