Credit Cards Al Hilal Bank Emirati World MasterCard


A card for life’s luxuries

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.

Free Card
first year and renewal fees for subsequent years
also waived subject to spends on the card
VIP Terminal access vouchers
1 million Over
Hotspot locations around the world
Complimentary access to Wi-Fi
Joud Bonus Points on sign up
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

  • Get 100,000 Bonus Joud Reward Points when you sign-up for the Al Hilal Bank Emirati World MasterCard.
  • Earn 1.75 Joud Reward points for every AED on International spend and 1.25 Joud Reward Points for every AED of local retail spends.

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 MasterCard. Please click here for more offers.

  • Complimentary access to global Wi-Fi hotspots 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
  • Hertz Gold Plus Rewards Five Star membership – you will get 15% off on the best publicly available rates, complimentary one-car-class upgrades (subject to availability), faster reservations on rentals, and returns, as well as the priority at the rental queue, at many of the world’s busiest airports.
  • Complimentary nights when you book a SPG hotel using your Al Hilal Bank Emirati World MasterCard – 1 free night for every 2 nights that you book
  • 40% off on travel visa services to Schengen countries, UK, Saudi Arabia, Australia, New Zealand,– you can get priority appointment scheduling, form filling and typing and document collection services
  • 2 complimentary vouchers for access to the VIP terminal at Abu Dhabi International Airport – Get 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.

  • 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 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

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

*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

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

A superior banking experience awaits you.

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600 522 229

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