The Al Hilal Bank Emirati World MasterCard is your one-stop-shop for everything travel related – designed with a diverse selection of travel benefits, exceptional rewards and lifestyle privileges.
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
For more details on points earning and Joud Rewards program, visit joud.alhilalbank.ae
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|
|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|
*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
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 firstname.lastname@example.org