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Credit Cards Al Hilal Bank Emirati World MasterCard


For those who love life’s luxuries

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.

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

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

Digital Ready
  • Add your Al Hilal Bank Emirati World 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 Mastercard holders enjoy over 850 Buy One, Get One Free offers on hotels, fine dining, premium spas and more across the Middle East and Africa. Please click here for more offers.

  • 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
  • Hertz Gold Plus Rewards Five Star membership, giving you up to15% off the best publicly available rates, complimentary one-car-class upgrades (subject to availability), faster reservations on rentals and returns, plus priority service at rental queues in many of the world’s busiest airports. Please visit for more details.
  • One free night for every two nights you book in a Marriott Bonvoy Hotel and pay using your card. Please visit to book your stay and secure your complimentary nights.
  • With Fulfill visa assistance, World Mastercard holders can apply and 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 also receive document checklists for all your travel visa submissions (when you are required to submit travel visa applications personally). Visit to access the Fulfill website and apply for your travel visa.
  • Up to 10% off the price of selected properties bookings, when you book a stay using the Discount. Simply visit and apply the promo code MASTERCARDMEA upon checkout with your Mastercard.
  • 10% discount on any international roundtrip airfare. Simply go to, select your flights, and enter promo code MCWORLD, making sure to pay with your World Mastercard.
  • Discounted Chauffeur Rides with Careem, with 20% off three rides every month. To enable this discount, enter the promo code MASTERCARD when making your bookings.

  • Download the ‘Mastercard for You’ App to discover the full range of privileges and benefits
  • 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 cardholders. Simply visit to register.

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

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 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

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 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

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