The AL Hilal Bank Emirati World Mastercard Credit Card – with its diverse selection of travel benefits, exceptional rewards and lifestyle privileges – is the essential card for everything travel related.
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
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
A bonus of 100,000 Joud Reward points when you sign-up for the Emirati World Mastercard
1.75 Joud Reward points earned for every AED of international spend and 1.25 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 Reward program, visit joud.alhilalbank.ae.
The Emirati World Mastercard includes a range of travel and medical insurances covering baggage loss or delay, trip cancellation or 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|
|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||2.99%|
|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 achievement of minimum spend of AED 60,000. If the minimum spend is not achieved Annual fee of AED 787.50 will be applicable.
Above stated fees and charges is inclusive of 5% VAT wherever applicable
Al Hilal Bank gives you the choice to pay in a way that’s easy, secure and suits the way you live. Learn more
As an Al Hilal Bank Emirati World 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 email@example.com